Grow your retirement wealth by investing in property through your Self-Managed Super Fund.
Rental income and capital gains flow directly back into your super fund, compounding your retirement savings tax-effectively.
Finance investment homes, units, or commercial premises — your SMSF can hold either, each with its own set of rules.
SMSFs can access concessional tax rates on rental income and capital gains, with further savings once the fund is in pension phase.
Not all banks offer SMSF loans. We work with 10+ SMSF-specialist lenders to find terms that suit your fund's strategy.
We review your SMSF's balance, cash flow, and trust deed to confirm it meets lender requirements and super compliance rules.
A separate bare trust (holding trustee) must be established to hold the property — a legal requirement for SMSF borrowing.
Submit fund financials and personal details for pre-approval, so you know exactly what your SMSF can borrow before making an offer.
The bare trustee signs the contract. We coordinate with your lender, accountant, and solicitor through to exchange.
Funds are released at settlement. From there, rental income and expenses flow through your SMSF.
Established Self-Managed Super Fund with a compliant trust deed. A corporate trustee is generally recommended for SMSF borrowing.
Most lenders expect a minimum SMSF balance of $150,000-$200,000 so the fund can meet expenses and pass liquidity buffers.
Typically 20-30% deposit. Maximum LVR of 70-80% for residential property and 65-75% for commercial, depending on the lender.
A separate bare trust (custodian trustee) must be set up before contracts are exchanged. We coordinate this with your accountant.
SMSF Property Investment
No. Residential property bought through an SMSF cannot be lived in or rented by fund members, their relatives, or related parties. Commercial property can be leased to a fund member's business — but only at fair market rent.
Each has tradeoffs. Commercial usually offers higher yields and can be occupied by a related business at market rates. Residential is simpler but subject to stricter use restrictions. We'll help you and your accountant assess which fits your fund's strategy.
Most SMSF lenders require a 20-30% deposit plus costs. You'll also need to keep a cash liquidity buffer in the fund — typically around 10% of the property value — to cover loan repayments and ongoing fund expenses.
SMSF loans are non-recourse — if the fund defaults, the lender can only claim the property, not other SMSF assets. That reduced security plus specialist underwriting means rates and fees are typically 0.5-1% above standard investment loans.
SMSF borrowing involves complex legal, tax, and superannuation considerations. We recommend consulting a licensed financial adviser and an SMSF-specialist accountant before proceeding. The information on this page is general in nature and does not constitute financial, tax, or legal advice.
Let's review your fund's position and explore specialist lender options. Book a free consultation today.