SMSF Property Investment: Grow Your Wealth Through Real Estate

SMSF Property Investment: A Smart Strategy for Building Long-Term Wealth

Using your self-managed super fund (SMSF) to invest in residential property can be a smart way to grow your retirement savings — if done right.

If you have over $200,000 in super and want more control over where your money is going, SMSF property investment could be a strong strategy. It lets you leverage your super to invest in property while staying inside the rules set by the ATO.

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Why Clients Choose SMSF Property Investment

You gain more control over how your super is invested
Rental income and capital gains go back into your SMSF
You can buy now and hold until retirement to take full advantage of tax benefits
Your SMSF only pays 15% tax on rental income, and 0% in retirement phase

How We Help You Get It Right

We specialise in helping clients secure SMSF loans and match them with quality builders who deliver turnkey properties across Australia.

Our builder partners focus mainly in Victoria and have proven track records of delivering on time, to spec, and within the rules of SMSF lending.

We also work closely with trusted financial advisors who can guide you through fund setup, investment strategy, and compliance.

Real Client Example

We recently helped a client secure an SMSF loan to buy a brand new property through one of our builder partners.

They worked with our referral financial advisor to ensure everything from fund structure to borrowing strategy was correct. Their plan is to hold the property until retirement, when rental income and capital growth can be accessed tax-free.

Every step of the way was covered — from finance, to advice, to construction. That’s what we deliver.

Common Pitfalls (and How We Avoid Them)

SMSF property investment isn’t for everyone. But most issues come from poor planning or bad advice — both avoidable.

We help you steer clear of the most common mistakes:

Buying a non-compliant property
Failing to meet the “sole purpose test”
Using borrowed funds for renovations (which isn't allowed)
Getting loan structures wrong

These problems are rare when you work with the right people. We take every step to make sure your investment is compliant and structured for long-term success.

FAQs

Can I live in the property I buy through my SMSF?
No. The property must be for investment purposes only. Neither you nor anyone related to you can live in it.

Can I renovate the property?
Yes — but only using available SMSF funds. You can’t use borrowed funds to make improvements.

What happens to the property when I retire?
Once your SMSF enters the retirement phase, rental income and capital gains may be tax-free.

How much can I borrow?
It depends on your SMSF balance, income, and the lender’s criteria — we can give you a clear answer quickly after a short chat.