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Buy Property in an SMSF

In recent years, investing in property through a self-managed super fund (SMSF) has increased in popularity, as it is now possible for SMSFs to borrow money to pay for a direct property purchase.

There can be several benefits of purchasing property through a Self-Managed Superannuation Fund (SMSF), including:

  1. Tax benefits: SMSFs offer several tax benefits, including the ability to claim tax deductions on contributions made to the fund, as well as potentially lower tax rates on investment income and capital gains.
  2. Retirement savings: By purchasing property through an SMSF, you can potentially increase your retirement savings, as the property can provide a steady stream of rental income and potentially appreciate in value over time.
  3. Control and flexibility: As the trustee of an SMSF, you have more control and flexibility over your investments compared to traditional superannuation funds, as you can choose which assets to invest in, including property.
  4. Asset protection: By purchasing property through an SMSF, the property is protected from creditors in the event of bankruptcy or other financial difficulties.
  5. Diversification: Investing in property through an SMSF can help diversify your investment portfolio, as property can provide a different risk and return profile compared to other asset classes such as stocks and bonds.

It’s important to note that while there can be benefits to purchasing property through an SMSF, there are also rules and regulations that need to be followed, and it may not be the best option for everyone. It’s always a good idea to seek professional advice before making any investment decisions, including whether an SMSF is right for you.

Frequently Asked Questions

How much you can borrow depends on a variety of factors, like your income, existing debts, how much you have in savings.

To get an idea, try our:

Borrowing Power Calculator

It’s a good idea to have your loan assessed every 2-3 years to see if you could be getting a better deal with a different lender.

To get an idea, try our:

Loan Comparison Calculator

The first step to knowing where you could be saving money is to see where you’re spending it. Seeing all your expenses in one place can help give you an idea of where you could be making savings.

To get an idea, try our:

Budget Planner

How much your loan repayments will be depends on factors like how big your loan is, your interest rate, and the loan duration.

To get an idea, try our:

Loan Repayment Calculator

Making an extra repayment, or making repayments more freqently (for example, paying fortnightly instead of monthly) can give you massive savings on your loan in the long run and help you pay it off sooner.

To get an idea, try our:

Extra Repayment Calculator

It’s important to know how much stamp duty you’ll need to pay before you purchase a property.

How much you’ll pay depends on which state you’re purchasing in, whether you’re a first home buyer or not, the value of the property and more.

To get an idea, try our:

Stamp Duty Calculator

Learn MoreUseful Tools & Calculators

See how much you could borrow, work out some basic repayment calculations, how much stamp duty a property purchase will cost, and more.

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