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financial@xin.com.au|502 / 80 Mount St. North Sydney NSW 2060
1800 417 740

We’re a specialist
non-bank lender

Fast, Reliable & Tailored Solutions

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SMSF Special Offer

6.89%
Interest Rate
7.29% p.a. Comparison rate
LOAN

XIN Financial

Home Loan Product

SMSF Lending

A full-feature SMSF loan product designed for those looking to build wealth through property within a Self-Managed Super Fund.

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Expats Loan

For Australian Citizens or Permanent Residents living overseas, as well as temporary residents earning Australian income

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Non-Residents

Tailored for overseas borrowers, our Non-Resident Loan allows you to purchase, refinance, or access equity in Australian residential property

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Alt/ Low Doc

A flexible low-doc option with generous features and no fuss on documentation.

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Full Doc

It offering flexible features. ideal for both PAYG and self-employed borrowers.

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Easy Refinance

Our Easy Refinance home loan switching process makes it easier than ever.

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Our Impact at a Glance

Let’s start the journey towards success and enhance revenue for your business. Take your company to the next level.

1000M

Annual Settlement

5799

Happy Clients

Case Study

XIN Financial

Success Stories

Couple moving into their new home

Professional couple secures $480k SMSF loan—fast, even with a loss-making start-up

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Café owner serving coffee

Successful Café Owner Secures Dream Home with Alt Doc Loan Product

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International student with books

International student David’s purchasing journey with XIN Financial

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FAQs

XIN Financial

Frequently Asked Questions

What is an SMSF loan?
A Self-Managed Super Fund is a private superannuation fund that allows you to manage your own superannuation investments for your retirement. Not everyone can set up their own super, so understanding the basics is crucial before getting started. We always suggest you speak to your accountant or financial advisor for any questions on setting up your SMSF.
How do SMSF loans work?

An SMSF loan allows the trustees of the SMSF to borrow money to buy an investment property as part of the SMSF portfolio. The property can be either residential or commercial.

Once purchased, the property is held in a separate custodian trust (bare trust) and any income generated is re-invested into the fund to repay the SMSF loan. When the loan is repaid, the SMSF acquires the deed title. The diagram below shows how this works.

SMSF Loan Structure
SMSF loan structure diagram
Who Can Apply for an Expat Home Loan?
Our Expat Home Loans are designed for Australian citizens or permanent residents living overseas who want to purchase, refinance, or release equity in Australian property. Eligible applicants can choose between the Expat Full Doc Loan or the Expat Lite Loan, depending on their documentation and income situation. Temporary Residents working in Australia are also eligible to apply, allowing them to secure property even while on a TR visa. Both Australian and certain overseas incomes may be considered, providing flexibility for those earning offshore. In short, Expat Home Loans make it easier for Australians abroad and TRs in Australia to invest in property with tailored lending solutions.
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