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Buying residential property through super

Discover how savvy property investors use their self-managed
super funds to purchase residential property and build lasting
tax-free wealth!
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Property through super

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Location, Location, Location

When it comes to your superannuation, most funds are invested in shares, fixed interest, and cash. But there’s another asset
that has the potential to measurably outperform them all in the long run – residential property. Though not for everyone,
quality residential property purchased using the right strategy can deliver a sizable payoff.

Why should you consider residential property acquisition through your super?

1 You only need a fraction of the purchase price

Using an SMSF, you won’t need to buy property outright. All you’ll need is a 20 percent deposit plus costs (e.g. stamp duty, legal fees, etc.). Your SMSF can borrow the rest from the bank, and you simply invest the remainder of those funds in alternative assets.

2 You can achieve exponential capital growth

When you borrow to buy property through your super, your fund will have significantly more capital working for you. A larger capital value compounding over time could mean tremendous growth and a higher super balance in the future.

3 All expenses are paid by your super fund

Your super contributions, tax benefits, and rental income should be sufficient enough to pay all loan repayments and ongoing property expenses, such as body corporate fees, rates, and landlord’s insurance.

4 You could reap significant tax advantages

Investing in property over time in a tax-advantaged SMSF can eliminate contributions and income taxes each year – saving tens or even hundreds of thousands in capital gains tax. This can have a tremendous effect on your future wealth.

5 You can reduce debts faster using pre-tax dollars

A SMSF is the only structure that lets you pay off your SMSF loan using pre-tax dollars. This translates into faster loan pay-off and potential savings of thousands of dollars in interest each year.

6 You can build a solid portfolio of property

There’s absolutely no limit to the amount of properties you could purchase through your SMSF. With expert guidance, you could build a highly profitable multi-property investment portfolio that delivers tax-free income and capital for your retirement.



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We provide Accounting, Audit, Tax (Company, Individual & SMSF) and Advisory Services specialising primarily with but not exclusively to the travel industry. We believe we provide our Travel Agent and small business clients with the best advice and service. Our Travel agency clients benefit from our long standing experience in the Travel Industry and knowledge of the compliances associated with IATA.

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