Property in your SMSF, under the 2026 rules
Set up your fund, buy the right property the right way and keep it compliant every year. Fixed fees from $990 setup and $1,190 a year.
Which one describes you?
Buying commercial property
Offices, shops, warehouses, or your own business premises. Borrowing through an LRBA is still available.
- Bare trust and loan structure
- Leaseback to your business
- Referral to a lender or broker
Buying residential with cash
Your SMSF can still own houses and units outright. Combine balances with your partner to reach a purchase price.
- No bare trust or loan needed
- Rent paid straight to the fund
- Depreciation schedule setup
Already own property in an SMSF
Move your admin to us. We look after existing LRBAs, refinances and annual compliance at a fixed fee.
- Transfer from $220
- Loan and rent reconciliations
- Audit and tax return included
Commercial property is now the SMSF borrowing play
Offices, shops and your own business premises can still be bought with an LRBA. Residential property is cash only for new purchases from 10 August 2026.
From first call to settlement
The commercial path, with borrowing. Cash purchases skip the bare trust and lender steps.
Free eligibility call
15 minutes on the property, its use, your balance and your timing.
SMSF and corporate trustee setup
Deed, ABN, TFN, ASIC company and bank account. $990, usually done in 1–2 weeks.
Roll over your super
We handle the rollover paperwork from your existing funds.
Bare trust (if borrowing)
A separate holding trust and trustee, set up before you sign the contract. $1,770.
Lender and loan approval
We refer you to SMSF commercial lenders or brokers who suit the property and the lease. We may receive a referral fee.
Contract, settlement and insurance
Your solicitor and our team make sure the contract names the right buyer.
Ongoing admin and compliance
Accounts, tax return, audit and ASIC and ATO lodgements from $1,190 a year.
How property income is taxed in an SMSF
Rent and capital gains inside super are taxed far lower than in your own name.
Personal top marginal rate 45% plus 2% Medicare levy. In super, income is taxed at 15% in accumulation, capital gains on assets held over 12 months at an effective 10% and 0% in retirement phase within the transfer balance cap. General information only.
One simple annual fee
GST inclusive. Includes accounts, tax return, audit coordination and regulator lodgements.
Bronze
Cash, shares and listed investments. 24-month minimum.
- Annual accounts, tax and audit
- Chat and email support
Silver
Property with or without an LRBA, plus crypto.
- Everything in Bronze
- LRBA and rent reconciliation
- Phone, email and chat
Gold
Full service for complex funds.
- Everything in Silver
- All asset types
- Priority support
SMSF property questions
Can my SMSF still buy a residential property?
Yes, with cash. What changed is borrowing: a new LRBA can’t be used to buy residential property from 10 August 2026.
How much do I need in super to buy property?
For a cash purchase, enough to cover the price, stamp duty and costs, while leaving a buffer for expenses. For commercial property with a loan, lenders commonly lend 60–70% of the value and want to see liquidity left in the fund. Try the SMSF borrowing calculator.
Can I or my family live in or rent the property?
Not residential property. It must meet the sole purpose test and it can’t be lived in or rented by members or related parties. Business real property can be leased to a related business at market rent.
How much stamp duty will my SMSF pay?
SMSFs pay the general rate in each state, with no first home concessions. SA charges no duty on most commercial property and the ACT charges none on commercial property up to $2.1 million. See stamp duty by state.
Can my SMSF buy my business premises?
Yes. Business real property can be bought from, or transferred in by, a member at market value, then leased back on commercial terms.
Ready to buy property in your SMSF?
A free call to check the property, your balance and the right structure.
1300 545 516General information only, current as at 24 September 2026. It does not consider your personal circumstances and is not financial advice.