Lending and Finance

Zannettou Wealth Group work closely with a trusted network of licensed professionals offering a service that brings together accounting, lending and finance. With an understanding of financial markets and Western suburbs circumstances, our expertise in lending gives you options that will suit your personal circumstances.

HOW LENDING WORKS

  • APPLY

    Enquire with us.

  • ASSESS

    We will assess the borrowers’ situation and give an interest rate based on the individual circumstances.

  • INVEST

    We will calculate your repayments and find the right loan for you.

  • REPAY

    The borrowers will pay a weekly, fortnightly or monthly fixed payment.

LENDING FOR INDIVIDUALS AND BUSINESSES

Businesses from time to time require funding for their business or personal wealth creation. Whether that is purchasing a motor vehicle or refinancing their mortgage. Having your accountant and mortgage broker working together can be beneficial to your own individual situation by maximising your borrowing capacity while keeping an eye on your future goals.

For individuals and small business, it is all about creating a team of advisors around you that are working together to ensure the best possible outcome is achieved for you. Whether you are a first home buyer, purchasing an investment property or are looking for a personal loan we will be able to provide guidance and a plan that caters to you. We pride ourselves on being able to match the best possible lending product with an individual’s personal circumstances, offering the lowest interest rate and payments together, with premium service.

SELF-MANAGED SUPER FUND BORROWING: INVESTMENT IN ASSETS

Self-managed super fund allows investment in real property such as residential, commercial and industrial property, as well as shares and managed funds. There are rules that apply when purchasing assets from a related party through superannuation, this means that any lender can provide the loan as long as the loan is genuine.

SHOULD I BORROW THROUGH SELF-MANAGED SUPER FUND?

Self-managed super funds have been used predominantly to acquire investment properties, and other investments in assets such as shares. This is beneficial for self-managed super fund trustees when it comes to wealth maximisation and higher income growth and fund increases.

When purchasing an investment property through self-managed super fund, the superfund will be responsible for making loan repayments which means that your superfund contributions and/or investment earnings made through your superfund will be used to make the loan repayments.

KEY RULES WHEN BORROWING THROUGH SELF-MANAGED SUPER FUNDS 

Self-managed super fund borrowing can only be used to buy one property or shares (acquired at the same time) defined by superannuation law under single acquirable asset. Self-managed super fund borrowing to purchase a property cannot facilitate a property development or allow any improvement or replacement of the property while the loan is still outstanding. With purchasing assets, it cannot be replaced and the share investments cannot be actively traded. These are some of the things to consider when planning to borrow through self-managed super fund.