Unlock Property Investment with Your SMSF

Investing in property through your Self-Managed Super Fund (SMSF) can be a powerful strategy to grow your retirement savings. With the right structure and compliance in place, residential and commercial real estate can deliver long-term, tax-effective returns within your fund.

We simplify the process, from setup to ATO rules and lending support.

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SMSF members reviewing investment strategy

Is Property Right for Your SMSF?

Property in super is best suited for:

  • Investors seeking long-term growth with control over assets
  • SMSFs with balances of $200,000+ to allow for diversification
  • Members planning to lease business premises via SMSF (commercial only)
  • Funds with a well-documented investment strategy

What’s Included in Our Property in Super Service

Compliance check

SMSF Structuring

  • Trustee setup (corporate or individual)
  • Compliance with SMSF borrowing rules
  • LRBA setup and custodian structures
  • ATO and SIS Act alignment

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Legal & Lending Support

  • Liaison with lenders and brokers
  • Support for SMSF loan applications
  • Custodian trust deed review

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Optional Add-ons

  • Ongoing SMSF admin & accounting
  • Annual audit of fund assets
  • Property management advice
  • Tax minimisation strategies

How Property in Super Works

We help you understand how to:

  • Use your SMSF to purchase residential or commercial property
  • Structure your fund correctly (individual or corporate trustee)
  • Meet the strict ATO and SIS Act conditions
  • Navigate Limited Recourse Borrowing Arrangements (LRBAs)
  • Avoid common traps around in-house asset and arm’s-length rules
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Frequently Asked Questions

Yes, but it must be for investment purposes only. You or related parties cannot live in or rent the property.

Yes, and unlike residential property you or related parties (i.e. your business) can rent the property from the SMSF provided the rental income and conditions are at market rates.

Yes, through a Limited Recourse Borrowing Arrangement (LRBA). We guide you through structuring and lender compliance.

Ready to Invest in Property with Your Super?

Book a free consultation today.

We’ll help you structure your SMSF for property investment.

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Liability limited by a scheme approved under Professional Standards Legislation.

The information on this website is provided for general informational purposes only and does not constitute financial, legal, tax, or investment advice. It should not be relied upon as a substitute for professional advice tailored to your specific circumstances. SMSF Setups Australia Pty Ltd (or its affiliates) makes no representations or warranties regarding the accuracy, completeness, or suitability of the content and accepts no liability for any loss or damage (including indirect or consequential loss) arising from its use or reliance on the materials presented here. We strongly recommend consulting a qualified financial advisor, accountant, or lawyer before establishing or managing a self-managed superannuation fund (SMSF) or making any related decisions.

© 2025 SMSF Setups Australia. All rights reserved. | Privacy Policy | Terms of Use | Disclaimer: This site provides general information only and is not financial advice. No liability is accepted for reliance on its content. Seek professional advice.