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Using SMSF to Buy Property
Want more control over your retirement savings? Using a self-managed super fund to purchase property is one of the smartest ways to convert your super into a long-term asset with the potential to generate consistent rental income, strong capital gains, and genuine financial security in retirement.
At You&Me Personalised Property Services, we specialise in helping Australians buy property with SMSF and build a future through smart investing. Whether you’re focused on commercial premises or residential growth, our team, with the help of specialists, will guide you through every step of the SMSF investment strategy, from planning and structuring to settlement and beyond.
Why Use a Self-Managed Super Fund?
A self-managed super fund (SMSF) is a private superannuation fund that you manage yourself, using specialised help to set it up. Unlike traditional managed super funds, SMSFs offer greater control and flexibility over your investment decisions. That includes the option to buy property with SMSF, under strict rules set by the Australian Taxation Office (ATO).
Using a self-managed superannuation fund to purchase property lets you:
- Build wealth for retirement while enjoying potential tax advantages
- Leverage borrowed money to increase your investment capacity
- Access capital gains tax concessions in the pension phase
- Earn rental income that contributes to your super balance
- Gain full oversight of your fund’s strategy and performance
Many Australians are now using super to buy investment property as part of a long-term strategy to grow their retirement savings and reduce reliance on the pension.
Let us help you join them!
Why use Self-Managed Super Funds?
Why? Simple, we are all living longer. The government-funded retiree program was introduced at the start of the 20th century when the average life expectancy was around 55. In the 21st Century, human beings in Australia are living on average for 85 years and relying on the government to look after you in old age is becoming more and more of a threat.
Your SMSF Investment Strategy
The success of any SMSF investment strategy depends on proper planning and expert advice. We take the time to understand your goals, fund balance and retirement plans before recommending the right approach for you.
Residential Property:
Ideal for long-term capital growth and rental yield. You cannot live in or rent it to a related party, for example, your children can’t rent the house from you, but it can deliver strong financial outcomes when correctly structured.
Commercial Property (Business Real Property):
Popular with business owners, this allows you to buy a commercial space through your SMSF and lease it back to your business at market rates.
New or Existing Property:
We assess market value, potential tax benefits and cash flow before presenting suitable opportunities.
Whether you’re planning to buy property with SMSF for income, asset growth or diversification, we help ensure your decisions meet both ATO rules and your fund’s long-term objectives.
Structuring a Self-Managed Super Fund Property Loan
Buying self-managed super fund property often involves borrowing through a limited recourse borrowing arrangement (LRBA). The property is purchased through a separate trust, and the loan is secured only against that asset, not your entire fund.
Our team will put you in touch with a specialist who will help you understand:
- SMSF borrowing structures and lender requirements
- Interest payments, loan costs and legal fees
- Meeting compliance rules around the sole purpose test, related party use and fund liquidity
- Managing cash flow, repayments and higher costs associated with SMSF loans
- Understanding the tax consequences, including what's deductible and what isn't
The Benefits Of Buying Property Through SMSF
Using SMSF to buy property offers more than just asset growth: it gives you control over your financial future.
With the right SMSF investment strategy in place, you can benefit from:
- Rental income that supports super growth
- Tax advantages, including reduced capital gains tax and tax-free income in retirement
- Increased financial security and reduced reliance on managed super funds
- Full ownership in your superfund of the asset, once the loan is paid out
- Potential intergenerational wealth transfer through SMSF estate planning
By working with experienced Buyer's Agents who understand the rules and the risks, you can take advantage of the full potential of self-managed super fund property.
What You Get with You&Me Personalised Property Services
We specialise in property services made for you, the investor. Our expert Buyer's Agents work with fund members to support every stage of the property purchase, helping you stay compliant while getting the most out of your fund.
Here’s what’s included:
- Qualified and experienced advice tailored to your financial situation
- Property sourcing across Australia in both residential and commercial markets
- Cash flow analysis and market value assessments
- Guidance on fund structure, borrowing, stamp duty and legal setup (with our specialist partnerships)
- End-to-end Buyer's Agent support from search to settlement
- Ongoing mentoring long after you’ve secured the property
We only represent you, the buyer.
Ready to Buy Property Through Your SMSF?
FAQs About SMSF Property Investment
A self-managed super fund (SMSF) is a private superannuation structure where the members are also the trustees. It allows you to take full control of your superannuation fund, including choosing to invest in residential or commercial property.
Yes, stamp duty is payable on property purchased through an SMSF, just like any other property purchase. However, your individual structure and location can affect the amount. We can help you navigate stamp duty implications.
It can be, if done properly. Many Australians use their SMSF to purchase property as a way to grow their super, generate passive income and access capital gains tax concessions in retirement. However, SMSF property comes with specific rules and costs, and professional advice is essential.
There’s no fixed percentage, but your fund must have enough capital to cover the deposit, legal fees, loan costs and property expenses, and still meet ATO liquidity requirements. If borrowing, you'll also need to meet lender conditions.
No. You cannot live in, rent or use any residential property purchased through your SMSF. The property must be an investment and must meet the sole purpose test of providing retirement benefits.