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Finding High-Performance SMSF Properties That Actually Deliver
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.
6 min read
Buying Property Through Your SMSF? Can you BARE to trust it? (Bare Trust Deed)
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.
3 min read
Case Study – The Impact of Noting the Incorrect Entity on a Contract of Sale
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.
3 min read
SMSF Commercial Property Investing Pros and Cons
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.
6 min read
SMSF Property Valuation Challenges: What Every Trustee Needs to Know
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.
5 min read
Structuring SMSFs to Buy Property
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.
4 min read
Single Acquirable Asset: SMSF Property Investment Rules
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.
3 min read
Sole Purpose Test in SMSFs Explained: What Trustees Need to Know
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.
2 min read
Understanding the First Home Super Saver Scheme (FHSSS)
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.
3 min read
SMSF Property Investment Structures Explained
Investing in property through an SMSF requires the right structure. Corporate trustees offer flexibility when members join or leave, while individual trustees may create administrative challenges. Both require a bare trust for borrowing, but lenders often prefer corporate trustee setups. Understanding SMSF trustee structures is key to compliant and effective property investment.
2 min read
The Journey of Buying Property in an SMSF
Buying property with your SMSF is a unique journey that involves specific legal structures and specialist finance. With major banks no longer offering SMSF loans, trustees must navigate niche lenders, varying loan policies, and strict compliance rules. This guide explains each step — from structuring your SMSF and setting up a bare trust, to applying for a loan, drafting contracts, and managing the investment property long term.
4 min read
Rules for Unlocking Equity in SMSF Property
SMSF members cannot release equity from fund properties for personal use or use SMSF property as security for other loans. Repairs and maintenance are allowed, but renovations or improvements must follow strict superannuation rules. Understanding these restrictions is critical to keeping your SMSF compliant and safeguarding retirement savings.
2 min read
Commercial Property in SMSFs: Why It Could Make Sense
Acquiring commercial property through an SMSF offers small business owners rental income, asset growth, and operational control. Related-party leasing on arm’s-length terms boosts super fund income while overcoming borrowing limits through LRBAs. Compounded rent increases highlight the financial advantage of ownership. With compliance and expert advice, SMSF commercial property investment can be a cornerstone of retirement planning.
4 min read
Residential Property in SMSF
Discover the unique rules for owning residential investment property in an SMSF. Trustees cannot live in or rent the property to friends or family, cannot acquire residential property from related parties under most conditions, and must use an LRBA structure for borrowing. Learn what it takes to stay compliant with these property rules.
3 min read
Commercial Properties in SMSFs: Overview
Commercial property in an SMSF offers unique advantages, including the ability to lease to related businesses on market terms. Learn the rules for buying, leasing, managing, and selling commercial property within an SMSF, and see how it differs from residential property.
3 min read
What Information is Required to Set Up a Bare Trust for Your SMSF?
See what information is required to set up a bare trust for your SMSF, including property details, lender information, and loan specifics. Discover why professional guidance is essential to ensure compliance with LRBA rules and safeguard your SMSF property investment.
2 min read
Understanding Limited Recourse Borrowing Arrangements (LRBA) in SMSFs
A Limited Recourse Borrowing Arrangement (LRBA) enables an SMSF to borrow to acquire an asset while restricting lender recourse to that asset. Trustees should understand LRBA mechanics, borrowing risks, and that lenders may require personal guarantees which can reintroduce personal liability. Professional legal and financial advice is recommended before entering into LRBA lending arrangements.
3 min read
Can I Buy an Overseas Property in my SMSF?
Can you buy overseas property in your SMSF? The ATO allows it, but strict rules apply. Overseas property cannot be used as a holiday home, and borrowing against it is almost impossible with Australian banks. Trustees must meet complex compliance requirements, manage audits, and navigate foreign ownership laws. Discover the risks, challenges, and professional help needed before your SMSF invests abroad.
3 min read
SMSF Lease Agreements for Residential and Commercial Properties
Leasing property within a Self-Managed Super Fund (SMSF) requires strict adherence to ATO rules. Residential and commercial leases have different regulations, and trustees must ensure leases reflect market terms, comply with the SIS Act, and avoid related party breaches. This guide explains key compliance considerations and best practices for SMSF lease agreements.
2 min read
What Can an SMSF Invest In? Rules Explained
SMSFs can invest in shares, property, term deposits, and more, but strict rules apply. Investments must meet the sole purpose test, align with an SMSF investment strategy, and avoid prohibited use by members. Understanding SMSF investment rules helps trustees stay compliant while building a portfolio designed to provide retirement benefits.
2 min read
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