Buy Investment Property Through Your Super
Put your superannuation to work in property, with a team that handles the strategy, the structure, the lending, and the purchase. No money out of your own pocket.
What is SMSF Property Investment?
.png)
A SMSF, or self-managed super fund, is a super fund you control. Instead of leaving your retirement savings with a big industry or retail fund, you decide where the money goes. For a growing number of Australians, that means property.
Your fund can buy an investment property directly, and if it needs to borrow, it does so through a special arrangement designed for super, with the property held in a separate trust until the loan is repaid. There are more rules and moving parts than a standard purchase, which is what puts most people off doing it alone. With the right team, it's a well-worn path.
WT Group sets up the structure, sources the property, arranges the lending, and handles the legal work, so the moving parts actually move together.
Why Use Your Super to Buy Property?
Lower tax on the way through
Investment earnings inside super are generally taxed at 15%, below most people's marginal rate.
Potentially tax-free in retirement
Once your fund moves to pension phase, eligible earnings and capital gains can be taxed at 0%.
A capital gains discount
Assets held longer than 12 months in accumulation phase receive a CGT discount, leaving more growth inside your fund.
Leverage through an LRBA
Your fund can borrow to buy, so a deposit-sized balance can control a much larger asset.
Diversification beyond shares
Most super sits in shares and managed funds. Property spreads your savings across a different asset class.
What SMSF Lending Looks Like
Borrowing inside super is different from a standard commercial loan, and it's worth knowing before you start.
Expect a larger deposit, usually around 30% of the property's value.
Interest rates are typically higher than a standard commercial loan, and the pool of lenders willing to write SMSF loans is much smaller.
Lenders also run liquidity tests, wanting to see your fund holds a cash buffer after the purchase rather than every dollar tied up in the property.
The Rules You Need to Know
SMSF property comes with strict rules, and breaking them is expensive. The big ones
Your fund exists to provide retirement benefits, full stop. Every property decision has to serve that purpose, not a lifestyle one.
Market rent only. Your own business can lease a commercial property from your fund, but only at market rent and under a proper lease.
No personal use. Your fund's property can't be used for personal purposes by you or any related party, only for a documented commercial purpose.
Related-party purchases are tightly restricted. Your fund generally can't buy assets from a related party, with limited exceptions such as business real property, and only at market value.
One asset per loan. An LRBA can only fund a single acquirable asset, so you can't bundle several properties under one borrowing.
Get any of these wrong and the penalties are serious. Getting them right is exactly what we manage for you.
How an SMSF Property Purchase Works
1
Set up or review your SMSF
Establish the fund, or check your existing one is set up for property, with the right deed and structure.
2
Confirm strategy and budget
We work out borrowing capacity, deposit, and the kind of property that fits your fund.
3
Arrange the LRBA and bare trust
We line up SMSF lending and put the bare trust in place so the fund can borrow compliantly.
4
Source and secure the property
Our buyer's agents find and negotiate the right property against hard data.
5
Settle
The legal team settles the purchase into the bare trust structure.
6
Ongoing compliance
We help keep the fund compliant year to year, from the loan to the annual audit.
Join 780+ people who trust WT Group
The Honest Pros and Cons
SMSF property isn't right for everyone. We'll tell you honestly if it isn't right for you.
The upside
We review the contract before you sign, explain the terms in plain English, and guide your purchase through to settlement without the surprises.
Leverage to control a larger asset.
Diversification away from shares.
An asset you can actually understand and see.
The trade-offs
A higher deposit and interest rate than standard loans.
More complexity and compliance cost to run the fund.
Money locked in super until you meet a condition of release.
Less liquidity than shares if you ever need to sell in a hurry.
Hundreds of reviews from people just like you
Name Surname
Name Surname
Name Surname
Name Surname
Name Surname
They take all the stress and unknowns out and go out of their way to ensure you're comfortable and informed from start to finish.
I will definitely be recommending them to family and friends in the future and look forward to working with them again myself.
They are with you for the entire process and beyond. They are transparent, quick to follow up and extremely easy to deal with.
I’m glad I took the step and have begun my journey as an investor!
Carl Mullen
Aroha Pohatu
Really was a pain free experience and everyone was so patient with no pressure at every stage of the process.
Can’t recommend enough we will definitely continue to use them and I have already recommended WT cap to several of my friends and fam.
Blake Ebsworth
Jess Osullivan
Gabbi de Mamiel
Start Your SMSF Property Journey
Not sure if an SMSF is right for you? That's what the first conversation is for. Book a free strategy call and we'll walk you through your options. No pressure, no obligation.