So in the near future we’ll be making changes to published rates on the Scene Fin website.

While we await these updates, there have been some recent policy enhancements across our Vibe products which hopefully gives you some cool advantages out there in the field.

Want to know more then read on below for the snapshot:

Easier Documentation Requirements | April One 2026
From 1 April 2026, all borrowers to provide only the most recent financials in line with standard documentation requirements, across all products including SMSF.

Please note that 2024 tax returns and financial statements will no longer be accepted after 31 March 2026.

New SMSF’s | Accountant’s Letter Not Required
For newly established SMSFs, an Accountant’s Letters confirming annual running costs are no longer required.

Instead, we will apply a standard servicing allowance of $2,500 per annum.

For established funds, the actual running costs will be used, based on the latest financials and tax returns.

Proposed Superannuation Declaration | New Policy
Downloadable form the Scene Fin Vibe SMSF spec site, the Proposed Superannuation Declaration Form will now be required on all applications where proposed or additional contributions are used for servicing.

This requirement does not apply to historical or actual contributions supported by evidence such as payslips, income statements, or industry fund statements.

What you need to know:
-> a 0.25% loading will apply to all SMSF variable deals using proposed contributions.
-> a 0.20% loading will apply to SMSF 1, 2, and 3 Year Fixed Rate Specials using proposed contributions.

SMSF Fixed Rate | Specials Available
Scene Fin has available an SMSF 1, 2 & 3 Year Fixed Rate Special (although that’ll probably get reviewed very soon too).

What you should know:
-> Rates from 6.79%
-> Maximum loan size of $3.5m
-> Maximum LVR of 80%
-> Available for both Residential and Commercial SMSF securities

For applications using proposed contributions there is a 0.20% loading applicable for this fixed rate product.

Please note that with standard purchase or standard refinance a 0.25% loading applied to SMSF variable loans if using proposed contributions.

Let’s Settle Faster | Try Rapid Refinance
Scene Fin’s Rapid Refinance function is now available on all refinance settlements if opted for at loan lodgement.

Using Rapid Refinance leaves little room for the outgoing lender’s retention activities to kick in.

Hot tip….when using this process, the loan amount must include a buffer calculated as per below:
=> One monthly repayment, plus;
=> Three months’ interest, plus;
=> OFI discharge fee ($1,500 if unknown), plus;
=> Additional $1,500 buffer (just to be sure)

Alright, the news is what it is & we have what we have to sell & make a difference out there.

If you have any questions or want to run new scenarios then please email or give me a call.

Cheers,

CW

The post Post-RBA Indecision Edition – So You Think You Can Finance… appeared first on Scene Finance.

There is no time to be salty about the Governments agenda, our priority (and I’m sure among Brokers as well), is arranging approvals for SMSF Borrowers to comply with the recent legislative changes for these residential loan strategies.

We’re here to assist you with 4 diverse & different SMSF funding options available through our platform of lenders. 

We’ll let you know if anything changes but for now the urgency of insurgency is on assisting your Borrowers meet the deadlines imposed by the legislation. 

Cheers

CW

The post New Financial Year – Time to HUSTLE appeared first on Scene Finance.

We’ve chopped the rates on our most popular  SMSF Program, Vibe SMSF, for both Residential and Commercial lending.

Effective immediately for new residential purchases of up to 80% LVR, a flat variable rate of just 6.99% for Residential and 7.59% for Commercial SMSF submissions is applicable for new lending until 31st August 2026.

But Wait….There’s More!

The usual Interest Only loading of 0.40% is also waived (if needed) for Residential Purchases AND Full Refinances until the 31st of August 2026.

With the Government inspired deadline approaching, we’re all hands-on deck  to get every application assessed for approval. 

Recap | What happens before 10th August 2026

– Residential LRBA allowed.

– Must exchange contract before 10 August 2026, which is the date the legislation comes into effect. This is 45 days after Royal Assent was granted by the Governor General on 26 June 2026.

Recap | What happens on and after 10 August 2026

– Only “business real property” allowed for funding of property purchasing within SMSF.

– Must be wholly and exclusively used in one or more businesses.

It appears some residential properties may be allowed, but only where it meets the “business real property” rule. That means it must be:

– 100% business use.

– No residential or private use component.

– Some commercial properties may not be allowed, for example mixed use cases.

Ok, that’s enough for now, you guys have work to do, but if you have any questions please contact us via hello@scenefin.au or call your BDM for a quicker response.

Cheers

Chris W

The post Vibe SMSF Rate Reduction – Time to Bust Out! appeared first on Scene Finance.

The Flip Side (our other stuff)

Easy Refi for Owner Occupied or Investment, rates from 5.69% >
Commercial Easy Refi rates from just 7.49% >
NDIS lending including construction up to 80% LVR >
Co-Living lending including construction up to 80% LVR >
Owner Occupied lending up to 95% >
Investment lending up to 95% >
Lo Doc for residential or commercial securities >
Rural securities with large acreage >

Scenario Central…What is it? Where is it?

In a rush…don’t feel like reading, researching or maybe you just wanna chat and bounce ideas for your deals? 

Hit us up on our scenarios hotline… call 0414 494 444 …or alternatively hit the link below and tell us what you need in writing.

The post July Rate Update | SMSF, NDIS & Co-Living Options appeared first on Scene Finance.

The Flip Side (our other stuff)

Easy Refi for Owner Occupied or Investment, rates from 5.69% >
Commercial Easy Refi rates from just 7.49% >
NDIS lending including construction up to 80% LVR >
Co-Living lending including construction up to 80% LVR >
Owner Occupied lending up to 95% >
Investment lending up to 95% >
Lo Doc for residential or commercial securities >
Rural securities with large acreage >

Scenario Central…What is it? Where is it?

In a rush…don’t feel like reading, researching or maybe you just wanna chat and bounce ideas for your deals? 

Hit us up on our scenarios hotline… call 0414 494 444 …or alternatively hit the link below and tell us what you need in writing.

The post June Rate Update | SMSF, NDIS & Co-Living Options appeared first on Scene Finance.