It’s no secret that property is one of the best investments you can make. But if you’ve got an SMSF, you need to be careful that the money in your super fund is being invested ethically and legally. 

This blog will cover every important point regarding buying property with super.

What is an SMSF?

A self-managed super fund (SMSF) is a type of superannuation fund where the trustees are responsible for making decisions about the investments and management of the fund. SMSFs can be set up by an individual, a couple, or a group of people with common interests and needs.

A superannuation fund is an arrangement that allows employees to contribute extra money from their pay packet into a retirement account that earns tax concessions until they retire when they can withdraw it all in one lump sum – and any earnings made on those funds during their working lives will also not be taxed at this time.

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How does SMSF buy or sell the property?

An SMSF is not limited to buying and selling properties. There are other ways that you can invest in real estate using your SMSF, including:

● Trust structure

● Direct property ownership

● Property management services

● A conveyancer

Types of super-invested property

When it comes to superannuation, there are a few types of property that can be bought through your fund.

● Residential: These are houses and units where you live.

● Commercial: This property generates income, such as a shop or office building.

● Development properties: If you’re planning on developing land for residential use (rather than building new houses), this is the option for you.

If you’re looking for an investment that will give your super balance a boost in the future, these three options are all great choices. The best part? You can buy these properties without having to pay any upfront—make sure it meets your needs first!

A key thing to know about investing in property with SMSFs

If you want to purchase or sell property through your SMSF, there are some rules that apply that are different from those of other types of investments, such as managed funds. This means that if you want to use your super for those purposes, it’s best to work with an investment firm so they can guide the process and ensure everything goes smoothly!

Where to get advice

If you’re planning to buy a property with super, you’ve likely got plenty of questions. Luckily, there are plenty of people who can help.

First things first: if you don’t already have one, it’s important to find an adviser who specialises in this area. 

They’ll be able to advise on how much money you need for your deposit and mortgage repayments, as well as the type of loan that will suit your situation best. They might also be able to help with ongoing financial planning after buying the property.

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If possible, ask friends or family members who own investment properties for recommendations on their respective advisers and accountants (if they’re not using the same ones). 

You could also search online through websites such as Smart Company or The Adviser List – both provide industry-specific directories where businesses can list themselves by specialisation – or head into your local branch and ask what options are available locally!

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Make sure you read all you can before you invest.

You should read up on the basics of investing in the property before you start your search.

● Find out what your SMSF can and can’t do. Take a look at the ATO website, or speak to an accountant or financial planner who specialises in advising self-managed super funds.

● Find out what your fund can and can’t invest in. Of course, this will depend on the rules of your fund and its investment strategy. Still, it’s important that you know which assets are eligible for investment because this could affect whether you buy an apartment block or an office block (or maybe even both).

● Find out about borrowing limits for self-managed super funds – including how much can be borrowed on any one asset if there’s more than one loan attached to it, as well as transaction costs such as stamp duty payable when buying real estate assets; insurance premiums paid during construction, etc. which could also affect how much money is left over after the purchase


That’s it. You now know everything you need to know about buying a property with super. And make sure that you have done your research.

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