DIY fund property investing gets a body blow

Higher rates and tighter lending terms may be just the beginning…banks are now banning lending to off-the-plan purchases completely.

Summary: AMP Bank has stepped up restrictions on lending to SMSFs for property purchases – it will no longer lend for new properties, including off the plan developments, and has dropped the maximum loan to valuation ratio to 70 per cent.

Key take out: SMSF trustees in the market for an investment property will need to shop harder to get a loan – be aware that even though the government is happy to continue with LRBAs for now, the regulations could change with different leadership.



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