SMSF Property Loans Explained: Interest Rates, LVRs, and Lender Behaviour
Self-Managed Super Funds (SMSFs) can legally borrow to invest in property using a Limited Recourse Borrowing Arrangement (LRBA), a structure that limits the lender’s claim to the specific asset held in a separate trust if the loan defaults However, SMSF property loans are fundamentally different from standard residential home loans. They typically carry higher interest […]
SMSF Property Exit Strategies Most Trustees Never Plan For
Most SMSF trustees spend years focused on acquisition such as suburb selection, rental yield, LVR, and long-term capital growth. Yet one of the biggest risks is not how you buy, but how you exit. Many trustees assume they will simply “sell at retirement.” In reality, market cycles, liquidity pressures, tax timing, and compliance obligations often […]
SMSF Property vs Residential Investing Personally: Long-Term Outcomes Compared
Property investing is often described as a long-game, but in Australia the structure you choose can matter as much as the property itself. Purchasing an investment property through a Self-Managed Super Fund (SMSF) and purchasing an investment property personally can both deliver exposure to rental income and capital growth, yet they operate under fundamentally different […]
What Happens to Your SMSF Property Strategy When Interest Rates Change
Interest rates shape investment outcomes for leveraged property strategies. When interest rates rise, SMSFs with loans may see higher repayments, reduced cash flows, and changing long‑term returns. Conversely, rate drops can improve servicing but won’t change fundamental risks. In an SMSF environment, interest rate movements can have a more pronounced effect than in personal property […]
Can you buy property through an SMSF in 2026? What’s actually allowed
Investing in property through a Self-Managed Super Fund (SMSF) remains one of the most discussed strategies among Australian investors aiming to take greater control of their retirement savings. As we enter 2026, the answer to “can you buy property through an SMSF?” remains yes, but it comes with strict rules, compliance obligations, and practical limits […]
When SMSF Property Stops Making Sense: What to Do Instead
Property has long been one of the most popular investment choices inside a Self-Managed Super Fund (SMSF). The appeal is understandable. Property is tangible, familiar to many investors, and often associated with long-term capital growth and rental income, all within the tax-advantaged environment of superannuation. However, SMSF property is not a universal solution. In certain […]
Limited Recourse Borrowing Arrangements (LRBAs): How They Work in Practice
SMSFs are generally prohibited from borrowing money under the Superannuation Industry (Supervision) Act 1993, but there is a key exception called a Limited Recourse Borrowing Arrangement (LRBA). An LRBA allows an SMSF trustee to borrow money to acquire an asset (like property) while limiting the lender’s recourse to that single asset. According to statistics released […]
SMSF Property Investing in Australia: Rules, Risks, and Real Data
Investing in direct property through a Self‑Managed Super Fund (SMSF) gives trustees control over retirement savings, but it is one of the most regulated and complex strategies permitted under Australian super law. You must comply with strict legal requirements to avoid penalties and ensure your investment stays compliant with tax and superannuation rules. Self-Managed Super […]
SMSF Property Investing for Couples vs Individuals
SMSF property investing remains a popular strategy for Australians seeking greater control over their retirement savings, particularly those who view property as a long-term, tangible asset. However, whether this strategy is better suited to couples or individuals depends on several structural and financial factors, including contribution capacity, borrowing strength, and risk tolerance. The Australian Taxation […]
Median Misfires: How to Read Australian Property Data Like an Analyst
Australian property stats are everywhere—every week there’s a new headline about median house prices, another chart on capital city values, or some hot take that a certain suburb is about to take off. If you’re an investor, it’s easy to feel buried under numbers but still have no real clue what to do next. It’s […]