#1 rated buyers agency

SMSF Property Buyers

Buying property through your SMSF takes careful planning, strict compliance and the right property strategy. At You&Me Personalised Property Services, we act exclusively on the buyer’s behalf, helping SMSF investors find, assess and secure residential or commercial property across Perth, Brisbane, Melbourne and Sydney with confidence.

You Can Expect:

Exclusive off-market property access.

Fierce, buyer-focused negotiation.

Stress-free, end-to-end service.

Data-driven market analytics and customised reports.

 

SMSF

Buy Investment Property With Super

Want more control over your retirement savings? Using a self-managed super fund (SMSF) 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 an SMSF and build a future through smart investing. Whether you’re focused on commercial premises property investment 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 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 an 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.

Ready to explore whether SMSF property investment is right for you? Speak with our team today.

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 them 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.

Alkimos-WA Property Acquisition

Residential Property:

Ideal for long-term capital growth and rental yield. You cannot live in it or rent it to a related party; for example, your children can’t rent the house from you. However, it can deliver strong financial outcomes when correctly structured.

Springfield could be the next Australian Silicon Valley

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.

Springfield real estate opportunity-Buyers agent Brisbane

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 an SMSF for income, asset growth, or diversification, we help ensure your decisions meet both the ATO's 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 risks, you can take full advantage of the 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.

Start planning your SMSF property purchase with support from experienced buyer’s agents.

Simon-Deering-on-the-left-and-Heath-Bassett-on-the-right-Co-founders-at-YouandMe-Personalised-Property-Services
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Nick Bendel profile picture
Nick Bendel
8 August 2026
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I had a really positive experience with You&Me Personalised Property Services. They understand the long-term fundamentals and are able to give you real insights, not just fluff.
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Annette Rolt profile picture
Annette Rolt
27 July 2026
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Heath was great to work with during the sale of one of our residential property listings that he introduced his buyer to. The buyers brief was quite unique & needed to accomodate generational living & have high access storage solutions. During the sale to settlement process communication was excellant & I look forward to working with Heath in the future. Annette at Aqwasun Estate Agents
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Nicole Collins
22 July 2026
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Heath's energy and enthusiasm are his superpower! From our very first chat, he made buying my first home feel exciting rather than daunting, and that energy never dropped off throughout the whole process. Heath kept me in the loop with every new opportunity and development, and made me feel like a priority, even with how much he juggles. He always had time to send a quick voicenote or give me a call (and maybe call a second time to catch me when I'd missed the first...) That energy and attention translated into results. He tracked down an off-market property for me, priced below market value, that I never would have found on my own, and had the whole thing wrapped up in around 4 months. What really stuck with me is that Heath listens, and then actually follows through. He told me in our first meeting that he loves winning for his clients and now post-settlement, I can see he really meant it. He was there every step of the way, through inspections, negotiations, and all the way to settlement, making sure I always felt supported and never out of my depth. My only bit of constructive feedback relates to the video walkthroughs handled by another member of the You&Me team. While Heath focused on a property's underlying potential, the walkthroughs tended to prioritise cosmetic problems, like paintwork or state of the garden, which weren't a huge concern for me as a first home buyer. That said, being able to skip attending home opens myself was such a win, especially as someone with little time to spare for property viewings. Overall I'd highly recommend Heath and his team to to anyone looking for someone who actually cares about getting it right :D
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Ariarne Selosa
9 July 2026
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We couldn’t recommend You & Me Property Services enough! This was our first time purchasing an interstate investment property, so we knew we needed the right people around us to help navigate the process. From the very beginning, Simon and Ish went above and beyond to ensure everything was taken care of, keeping us informed and supported every step of the way. Buying a property can be a stressful experience, especially from a distance, but they made the entire process feel incredibly smooth and stress-free. Their guidance, communication and reassurance gave us complete confidence that we were in good hands. A special thank you to Simon for all the pep talks along the way. There were definitely moments where we felt nervous, but you always took the time to reassure us, answer our questions and give us the confidence to keep moving forward. Thank you also to Ish for all your support throughout the journey. You were always approachable, responsive and willing to help with every update and question, and we really appreciated the care you put into making sure everything was handled. We’re so grateful for everything you’ve both done to help us reach this milestone. We truly couldn’t have asked for a better team to guide us through our first interstate purchase. – Ari & Jessin
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Gail Nicholson
28 June 2026
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My hubby and I discovered You&Me by chance and we're so happy we did!! After navigating buying a home in this competitive market between January and March 2026, travelling backwards and forwards each weekend viewing homes and placing offers on potential properties with no luck, we contacted You&Me Personalised Property Services and were put in touch with Heath Bassett (one of the Directors). From the moment we met Heath in our first 'discovery' meeting we knew he was the man for the job! He thoroughly delved into exactly what we were looking for in a home and his communication and work he put into finding us the right one was second to none. Not only did he secure us our dream home in a short space of time, but the price also negotiated was very much in our favour. We can't thank Heath enough and are truly grateful for his commitment and dedication, very personalised service and time he engaged to the mission!! Everything was handled by him including building/termite inspections and the settlement procedure we just sat back while he did all of the work for us. We thoroughly recommend Heath and his team if you are in the market for the best buyer's agent in Perth who will undoubtedly find you your next home without the stress of searching yourself - 11/10 stars!!
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Bec Vidot
26 June 2026
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Heath was a real professional to work with, great communicator and offered a wonderful service, anyone looking for a great Buyers Agent who will look after you during the process of purchasing a home , Heath is the best. Thanks Again
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Alex Barko
10 June 2026
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+0
The 5 stars speak for themselves. A brief recap of my successful journey with You&Me. I initially reached out to numerous buyer's agents in Perth. Heath, my You&Me agent, was on the phone within hours to tell me what was on offer. A no BS policy from the get-go, no pressure or promises. We had our introductory session soon thereafter. A quick and informative pow wow. Heath had answers to all of my questions. I felt very confident signing up with You&Me. Contract signed, Deep Dive performed. The searching began. From the very start Heath's communication was second to none. A group chat was formed where I was consistently provided with properties that met my criteria. Heath loves a voice note - each one an easter egg containing priceless guidance in finding value in each property. A share-folder was created where I could view property reports, and videos and photos taken by Heath's team, like my own personal walkthrough guide. This was important to me as a FIFO worker, where I was rarely afforded the time to make property inspection dates. There came a point in this journey where Heath and I struggled to come to agreeance on several properties. I let emotions get in the way of making offers on some great buys. Instead of letting this silent frustration impede any other opportunities, Heath decided it best to catch up over a coffee and revisit our gameplan. This was the winning move, and what puts Heath above the rest of other real estate professionals in Perth. I was given a chance to get inside the mind of Heath and understand what he was trying to do - purchase me a winning investment. Heath doesn't beat around the bush, and I needed this brutal honesty. When dealing with such large sums of money it can be hard to not let emotions run wild. It just so happened, as we were taking our last sips of coffee, Heath informed me of a property he wanted me to consider. 8 weeks later and I have the keys. I barely lifted a finger during this entire process. Everything was arranged from start to finish. That included all of the additional services outside of You&Me's requirements. A one-stop shop. I gave Heath my trust and it has paid off. Not only did I secure a great deal in this challenging market, I learned so much a long the way. Cheers Heath mate, I look forward to having this dance again sometime. Also a huge thank you to the whole You&Me team. Down to earth, honest, trustworthy. These are words you don't always associate with agents. You will after working with Heath.
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Scott Langley
3 June 2026
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It was a pleasure working alongside Heath and his team. They were professional, responsive and great to deal with throughout the transaction.
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Becky Kuang profile picture
Becky Kuang
30 May 2026
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Buying my first investment property felt quite overwhelming at times, but Heath made the process much easier to navigate. We started looking in March and successfully secured a property within two months. I was working with a fairly tight finance approval deadline, so timing was important. I appreciated Heath's effort and persistence that went into helping me find and secure a suitable property within that timeframe. As I am based in Sydney and was purchasing a property in Perth, having someone local whom I could trust was extremely important. Heath handled the process professionally, kept me informed throughout, and gave me confidence that everything was being taken care of on the ground. Highly recommended to anyone looking to purchase a property in Perth, especially interstate buyers who need a knowledgeable and reliable buyer's agent to help make the process seamless.
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Sally Ackerley
28 May 2026
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Working with Heath was a pleasure. Heath works in a professional manner for his clients and his communication throughout the process is exceptional.

Ready to Buy Property Through Your SMSF?

We help Australians across Melbourne, Brisbane, Perth, Sydney, and surrounding cities and regions unlock the power of their super through smart, compliant and well-structured property investing.

If you're ready to buy property with an SMSF, we’ll walk you through every step.

FAQs About SMSF Property Investment

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