Invest in Property Using Your Super
Self-managed super funds allow you to invest directly in property using your retirement savings. Our SMSF experts help you set up the structure, identify compliant opportunities, and ensure full regulatory alignment.
Done correctly, SMSF property investment can offer powerful tax advantages and long-term growth potential.
Why choose us
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Expertise
We specialise in helping clients navigate the complexities of SMSF lending, compliance, and strategy.
Collaboration
We partner with accountants, financial planners, and SMSF administrators to give you a fully integrated solution.
Security
We help you meet ATO and ASIC requirements while protecting your super assets.
Client-Centric Focus
Our goal is to make SMSF property simple, safe, and effective for every investor.
Services offered
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SMSF Lending Advice:
Understand borrowing limits, loan structures, and lender requirements. -
Property Sourcing:
Access a portfolio of SMSF-compliant properties across Australia. -
Compliance Guidance:
Stay on top of ATO rules, contribution caps, and investment restrictions. -
Trust Deed & Setup Support:
We assist with setting up your SMSF and ensuring it’s correctly structured. -
Long-Term Strategy Planning:
Develop a clear roadmap for property growth within your super fund.
General SMSF FAQs
To help guide you on your property investment journey, we have answered the most common questions that our clients ask us below
Can I live in the property I buy with my SMSF?
No. SMSF properties must be purchased solely for investment purposes. You (or your relatives) cannot live in the property or use it as a holiday home.
What are the borrowing rules under SMSF?
SMSFs can borrow to purchase property using a Limited Recourse Borrowing Arrangement (LRBA). This means the lender’s rights are limited to the asset being financed. The loan must meet strict conditions, and we can guide you through the process.
How do I set up a self-managed super fund?
Setting up an SMSF involves creating a trust structure, establishing a bank account, appointing trustees, and lodging documentation with the ATO. We work with SMSF administrators and legal partners to ensure your fund is set up correctly and compliantly.
Are there tax benefits to SMSF property investment?
Yes. SMSFs enjoy concessional tax rates of 15% on rental income and 0% capital gains tax if the property is held until retirement in pension phase. These advantages can significantly enhance your retirement wealth.
Can I use my SMSF to buy off-plan property?
It is possible, but highly regulated. The property must be a single, completed title and cannot require significant alterations during construction. We can help you assess off-plan opportunities that meet SMSF criteria.
