Lower tax on rent.
Rental income inside an SMSF is taxed at 15% during accumulation, and 0% once members are in pension phase. Outside super, you'd typically pay 32.5% to 45%.
SMSF Property Investment
Use your super to buy property, the right way.
A Self-Managed Super Fund (SMSF) can borrow to acquire residential or commercial investment property under a Limited Recourse Borrowing Arrangement (LRBA). Done correctly, it's one of the most tax-effective ways an Australian can build retirement income.
Schedule a Strategy CallWhy investors choose it
Six reasons SMSF property changes the maths.
Lower tax on capital gains.
After 12 months of ownership, capital gains receive a one-third discount. Effective rate 10% in accumulation, 0% in pension. A seven-figure gain is taxed very differently inside super.
Leverage.
Through an LRBA, your SMSF can borrow typically 60 to 80% of the property value. Your super buys a larger asset than the cash inside it could afford outright.
Direct control.
You choose the property, the strategy, and the timing. No more handing your retirement savings to a fund manager and hoping their asset allocation matches your goals.
Diversification.
Property held inside super is a real-asset hedge against share market volatility. Different return drivers, different timing, an income that doesn't depend on dividend policy.
Estate planning.
SMSF property can be transferred to beneficiaries with structured tax outcomes. With the right strategy, it becomes part of the wealth that passes to the next generation.
How it works
The path from super balance to investment property.
- 01
Discovery call.
30 minutes. We look at your existing super balance, contribution capacity, retirement timeline, and whether SMSF property is realistically the right move for you. No charge, no obligation.
- 02
SMSF setup & structure.
We work with specialist SMSF accountants and lawyers to set up the fund (or audit your existing one), establish the bare trust required for an LRBA, and prepare investment strategy documentation that satisfies ATO requirements.
- 03
Finance pre-approval.
SMSF lending is a specialist product. We connect you with brokers who actually understand SMSF finance and can secure pre-approval at competitive rates before you commit.
- 04
Property selection.
You browse our off-market property portfolio and we walk through cash-flow models on the ones that fit your strategy. Single dwellings, dual-key, duplex, NDIS/SDA, or commercial.
- 05
Settlement & ongoing.
Conveyancing, depreciation schedule, property management handover, and annual reviews. Once the asset is in place, we stay involved to keep the structure and strategy aligned.
Eligibility
Is SMSF property right for you?
Good fit
You'll likely benefit if
- Combined super balance of $150,000 or more across members
- 10+ years until preservation age (room for growth)
- Stable employment with capacity for ongoing contributions
- Comfortable with direct decision-making
- Want a tangible, income-producing asset in your super
Probably not
SMSF property isn't ideal if
- Super balance under $100,000 (cost of running an SMSF eats returns)
- Need to draw down on your super within 2 to 3 years
- Want fully passive, no-input investment management
- Already heavily concentrated in residential property outside super
- Uncomfortable with trustee responsibilities of an SMSF
Have specific questions?
Book a 30-minute call and walk away with a clear answer on whether SMSF property fits your retirement plan.
Schedule a Call