Discover how strategic SMSF property investment can transform retirement outcomes. PRPTY360’s data-driven approach helps investors acquire high-performance properties that deliver real growth, stable income, and long-term results. Learn from real client case studies across NSW, QLD, and VIC showing how the right advice turns superannuation into a powerful wealth-building strategy.

Investing in property through your SMSF can be a powerful retirement strategy—but one paperwork mistake in your bare trust or LRBA documentation can lead to major tax and duty consequences. This article explains how SMSF bare trusts work, when your deed must be dated across different states and why synchronising your legal, accounting and lending team is vital for a compliant property purchase.

Incorrect entity details on an SMSF Contract of Sale can trigger double stamp duty, finance delays, and compliance breaches. This case study explains why precise entity naming is critical when purchasing property through an SMSF, the risks involved, and how reviewing Bare Trust and Holding Trust documents before signing can prevent costly settlement issues.

Self-Managed Super Funds (SMSFs) give you direct control over your retirement investments, from shares to property. This guide explains the key SMSF rules you must know — the Sole Purpose Test, tax treatment, in-house asset limits, and the trustee choices that affect borrowing. Learn why many Australians choose SMSFs and how partnering with SMSF specialists makes setup and compliance straightforward.

Establishing an SMSF involves more than setting up a fund — it requires making strategic decisions, choosing between a corporate or individual trustee structure, rolling over super, and maintaining compliance. This article walks you through the key steps to set up an SMSF, explains trustee responsibilities, and highlights the ongoing maintenance required to keep your fund operating smoothly and within Australia’s super rules.

Your credit score plays a vital role in your ability to secure SMSF finance, negotiate better rates, and support your investment strategy. Learn how common credit issues—defaults, late payments, and enquiries—impact loan eligibility, and discover proven steps to protect and repair your credit profile. Get expert tips for SMSF trustees to unlock better borrowing terms, safeguard fund growth, and strengthen your financial future.

Buying commercial property through your SMSF can deliver tax benefits, steady rental income, and long‑term growth — but it also comes with strict Australian Taxation Office rules and complex compliance steps. Learn how SMSF trustees can purchase and manage business real property, borrow through an LRBA, and structure investments correctly to build a stronger retirement strategy.

Valuing SMSF property correctly is critical for compliance, accuracy, and smooth audits. This article breaks down the ATO’s valuation rules, the most common trustee mistakes, and practical steps to avoid delays or costly errors. Learn how to achieve annual market valuations that meet SIS Act and ATO standards with confidence.

The Australian Government has proposed changes to Division 296, the so-called $3 million super tax. This article explains the latest updates, including how realised earnings will be taxed, the new $10 million threshold, and what it could mean for SMSF trustees and high-balance super accounts.

Reaching preservation age lets SMSF members start a Transition to Retirement Pension (TTR) while still working. TTR pensions are taxed differently from retirement phase pensions, regardless of age. If your SMSF is fully in pension phase, a Trust Income Schedule may not be required. Failure to meet minimum pension withdrawals risks losing tax exemptions. Trustees must understand these rules for compliant retirement planning.

Preservation age in SMSFs sets the earliest age for accessing superannuation benefits, shaped by birthdate and retirement status. This article explains preservation age, exceptions where it may not apply, its influence on SMSF retirement and investment strategies, and the role of advisors like financial planners, accountants, and lawyers in assisting trustees and mortgage brokers.

Buying investment property in your SMSF can diversify your retirement strategy, but strict rules apply. Learn how SMSF property investment works, from borrowing under an LRBA to trustee structures, compliance requirements, and risks. Discover why corporate trustees may offer more flexibility and why professional advice is essential before purchasing property in a self-managed super fund.

When buying property through your Self-Managed Super Fund (SMSF) under a Limited Recourse Borrowing Arrangement (LRBA), you must comply with strict rules around a “Single Acquirable Asset.” Learn what this means, what’s allowed, and how to stay compliant while investing in residential or commercial property within your SMSF.

Understand the SMSF Sole Purpose Test, which ensures all fund actions and investments are solely for retirement or death benefits. Learn how it impacts compliance, investments, and trustee responsibilities.

SMSFs in 2025 are taxed at 15% in accumulation, with retirement-phase income often tax-free. Concessional contributions are capped at $30,000 and non-concessional at $120,000. Additional concessional contributions can reduce personal taxable income, while excess contributions may trigger extra tax. Timing and compliance are essential for accurate reporting in both SMSF and personal tax returns.

Explore SMSF minimum balances and costs, including setup, administration, audits, and regulatory obligations. Learn how balance affects cost-effectiveness and whether an SMSF may suit your retirement strategy.

Explore the benefits of SMSF compared to retail super funds, including greater control, wider investment options, potential tax advantages, family pooling, and retirement flexibility. Learn why many Australians choose self-managed super funds to take charge of their financial future.

The First Home Super Saver Scheme (FHSSS) provides a tax-effective way for first home buyers to save a home deposit via voluntary super contributions. Learn about eligibility, contribution limits, ownership exclusions, withdrawal rules, and how to maximise your savings with this government-backed scheme.

Accessing SMSF benefits requires following preservation laws and SMSF trust deed rules carefully. Preservation age, conditions of release, and member-specific eligibility in multi-member SMSFs affect when you can withdraw. Trustees must verify conditions, ensure compliance, and maintain records to avoid tax penalties and protect the fund’s tax status while providing member benefits.

From 1 July 2023, all SMSFs are required to lodge Transfer Balance Account Reports (TBARs) quarterly within 28 days after each quarter’s end. The Transfer Balance Cap rises to $2 million in July 2025 with proportional indexation applied to individuals. Some reportable events, such as excess commutations, require faster reporting. Timely and accurate TBAR lodgement is critical to maintain SMSF compliance and pension phase tax exemptions.