SMSF Property Advice

Create your dream financial future with your team of SMSF advisors at your side.

When it comes to SMSF investment options, property has consistently been the most popular.

When it became possible to use a self-managed super fund – also known as an SMSF – to invest in property, it made sense that this continued to be a popular option.

An SMSF allows you greater control over which assets your superannuation is being invested into when compared to a traditional retail or industry fund.

While some choose to invest in riskier assets like gold or vintage cars, a property is one investment that will generally provide the returns required to ensure your financial future is secure.

Like many other aspects of creating and running an SMSF, investing in property through an SMSF can be complicated.

To ensure that your investment property will continue to help create your dream financial future, there are a number of rules governing what type of property you can buy and how it can be used.

And that’s all before you get to the fees and tax implications that can result from using your SMSF to purchase a property.

With all of these restrictions to consider, it can be easy to feel like you need professional help.

That’s where we come in.

Our team of expert SMSF advisors are here to help you navigate every step of the process with the confidence that comes from knowing your financial future is secure.

Whether you’re considering commercial or residential property is the right investment for you or just want to know more about the risks and benefits that come with establishing an SMSF, we can help.

All you have to do to get started is get in touch.

Let Us Know How We Can Help

The Benefits & Limitations of using an SMSF to buy property.

Purchasing property through your SMSF ensures that you have direct control over a diverse portfolio of assets that will usually have consistent capital growth.

But like establishing an SMSF itself, investing in property also comes with a few limitations.

In order to be eligible for the same tax benefits as a traditional retail or industry super fund, your SMSF has to pass the sole purpose test. In order to pass this test, all investments purchased using your super fund have to be for the sole purpose of providing retirement benefits to the members of your SMSF.

Some of the benefits

Using your SMSF to invest in property can also help you:

  • Reduce your capital gains tax
  • Gain full control over where your super funds are being invested
  • Create a tax-effective way of purchasing commercial property
  • Achieve a secure financial future by directly managing your super
  • Secure better asset growth than traditional super funds

Some of the limitations.

Investing in property through an SMSF includes limitations such as being:

  • Unable to purchase a property that belonged to a family member, friend or associate
  • Restricted from renovating your property in any way that dramatically alters it
  • Prevented from purchasing a property with the sole aim to redevelop and resell it
  • Unable to have yourself or a loved one live in the property

More About Using Your SMSF To Invest In Property

  • Should I invest in commercial or residential property?

    When deciding on what type of property would best suit your SMSF investment needs, the first choice you may encounter is choosing between commercial or residential property.

    Both commercial and residential property have benefits and downsides when it comes to investing through your SMSF.

    Residential properties have a number of restrictions preventing you or your relatives from living in the property.

    That’s why, in our experience, commercial property may serve as a more suitable option for your unique financial needs, wants and goals.

    In particular, small business owners may benefit from investing in commercial property. Through an SMSF, it is possible to purchase your business premises and then rent it from yourself by paying your rent money directly into your super fund.

    So, how do you decide which type of property is right for you?

    Everyone’s financial world is different. That means deciding on whether commercial or residential property is right for you will depend on your unique financial goals, needs and wants.

    Your team of financial advisors takes into account every aspect of your financial world and can help you make your decision with the confidence of knowing your financial future is taken care of.

Want to invest in property through an SMSF?

We understand that knowing exactly how an SMSF investment property can help create your dream financial future can be tricky.

That’s why your team of financial advisors aim to make the process as simple as possible by working with you directly to decide whether an SMSF investment property is the right option for you.

Your team of financial advisors can help you:

  • Decide which type of property will best suit your financial needs
  • Understand how an SMSF will affect your financial plan
  • Learn all the requirements involved in an SMSF property
  • Decide whether an SMSF property is the right option for you
  • Get answers to any and all of your questions
  • Relax knowing your financial future is secure

Using your SMSF to purchase an investment property is a serious commitment that be challenging to do well on your own.

We work with you to ensure you’re doing just that while working to grow your wealth and secure your financial future.

Let us help you make sure that an SMSF investment property is the right option to create your dream financial future.

Let Us Know How We Can Help

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We'll be with you every step when it comes to navigating the world of super funds.

We understand finding the right super fund for you can be a challenge.