Financial Planning, Lending & Investment Advice

SMSF Investment

SMSF Property

Considering Using Your Super to Buy an Investment Property?

Some super funds may be rolled over into a Self-Managed Super Fund to buy property.

Those with larger fund balances may end up with a loan small enough to be sustained by the rental from the investment property’s and compulsory employer super contributions. So, you could potentially acquire another property without affecting your out of pocket cash flow.

Australians have been using their super to buy investment properties since 2007. It’s important to establish your investment capacity prior to house hunting, so that you are aware of the potential returns, risks, costs and legal requirements to maintain a Self-Managed Super Fund property. We can assist you with that. Rules around types of real estate and lending within SMSF constantly changes, so get the right advice.

Do you qualify to buy property through a Self-managed Super Fund?

Take this quick quiz (individually or with your partner):

  • Are you over 18 years old?
  • Do you have a (combined) super balance of at least $180,000?
  • Do you have a (combined) income of at least $100,000?
  • Do you currently make the standard super contribution of at least 9.5%?
  • Are you a non-government employee?

* $180,000 isn’t a minimum super balance or $100,000 a minimum income you require to have an SMSF property.
They were suggested for median property prices in Melbourne today. Should you invest in certain regional areas with properties under $390,000, you will not need as high a super balance or income.


If you answered yes to each question then you qualify to set up a SMSF and take advantage of the financial benefits and security that property investment can provide for your retirement plans.

Everyday Australians who have already used their super to invest in real estate are:

  • Unlocking money already saved in super funds to use as a deposit for their first property and immediately enjoying the benefits and security that residential investment properties can provide.
  • Building long-term wealth through capital growth while enjoying the peace of mind that their investment is secure in bricks and mortar.
  • Creating a consistent income stream that is unaffected by global share market trends and being able to plan for the future without needing to check the papers every day to see what the share market is doing.
  • Minimising tax thus saving additional money for retirement by enjoying the lower capital gains tax that SMSF properties attract compared to properties owned outside of Superannuation.
  • Improving retirement income opportunities due to the tax-exemption on income from investments held within a SMSF. During the pension phase your rental income is tax free. Rental from properties held outside of Superannuation is taxable in the pension phase.

We understand that you may have some questions about how self-managed super works, and how you can use your hard-earned super to invest in property, so we would like to invite you to:

Book an Obligation Free “Self-managed Super Session”

Arrange a “SMSF Session” to ask all the questions you need to find out whether property investment within a SMSF is right for you.

To confirm a time for your “Self-managed Super Session” please complete the form at bottom or call 1300 784 351 / 03 8672 7821.

Our team has extensive knowledge on all aspects of SMSF property investment analysis, finance structuring for SMSF investing, and SMSF compliance. Sounds like a lot of areas to cover however we look after the whole process for you.

Next Step…

Call 1300 784 351 now and book your “Self-managed Super Session” to ask one of us all the questions you have about setting up a self-managed super fund, property investment using super, and how Australia’s favourite investment could be the key to a financially secure retirement.