Elevate your future with a SMSF Property
Want to grow your super while gaining the benefits of direct property ownership?
SMSF property investment allows Australians to take control of their retirement savings by investing in residential or commercial real estate through a self-managed super fund. At New Venture Wealth, we specialise in helping clients buy property with SMSF—legally, strategically, and with long-term wealth in mind.
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What is SMSF Property Investment?
Our Self Managed Super Fund accountants in Sydney take the stress out of setting up a self managed super fund and other asset investing by guiding you step by step through the process, whilst offering affordable application and running costs along the way.
Use super to buy investment propertyLimited Recourse Borrowing Arrangements (LRBA)Rental income & gains stay in your fund
Benefits of Buying a property with a SMSF
When managing a self-managed super fund (SMSF) that invests in cryptocurrency, there are several important things to keep in mind.
Concessional tax on rental income
When you own an investment property in your own name, the tax will be payable based on your personal rate of tax, which could be as high as 46.5%. However, due to the concessional tax rate that applies to superannuation investment earnings, rent received by your SMSF property will be taxed at a maximum rate of 15%!
Additionally, certain expenses related to the ownership of the property such as land rates, property maintenance etc will generally be tax deductible to the fund – resulting in the tax rate potentially coming down further.
Concessional tax on future capital gains
Special superannuation tax rates also apply to any capital gain made as a result of an increase in your SMSF property value. As a result, depending on when you decide to sell the property, any capital gain your SMSF property may be completely tax-free. To summarise:
If you sell the property while still in the “accumulation” phase, the fund will generally pay CGT of up to 10% on any growth in the property value assuming that the property has been owned for at least 12 months.
On the other hand, if you decide to sell the property after you have transferred it into the “pension” phase, within your SMSF, any capital gain will be exempt from tax altogether!
Increased superannuation opportunities with SMSF property
In addition to the above, where the property owned by your SMSF is the property from which you run our own business, superannuation rules require your business to pay a commercial rate of rent to the fund – providing you with a way to accelerate your superannuation savings. The rent that your business pays into your SMSF will be tax deductible to your business, but more importantly for superannuation purposes, it will not be treated as a superannuation contribution.
Because the tax benefits available on superannuation contributions are currently limited to $25,000 a year, or $35,000 if you are aged 59 and over , the ability to make tax deductible rent payments into your superannuation fund – without this rent counting towards these limits – enables you to build your retirement benefits quicker and tax efficiently.
Because the tax benefits available on superannuation contributions are currently limited to $25,000 a year, or $35,000 if you are aged 59 and over , the ability to make tax deductible rent payments into your superannuation fund – without this rent counting towards these limits – enables you to build your retirement benefits quicker and tax efficiently.
Using SMSF to buy property
When buying a property with your SMSF you must ensure you comply with the SMSF property rules set out by the ATO. The general SMSF property investments rules include:
The SMSF property must meet the ‘sole purpose test’ of solely providing retirement benefits to fund members.The SMSF property purchased must not be from a related party of a fund member.The property can not be lived in or rented by a fund member or any related parties of a fund member.If purchasing a commercial property, it can be leased to a fund member or related parties of a fund member for their business – as long as it is solely used for business purposes.It must be leased at the market rate and follow specific rules.
Keen to know more? Get started by booking a free 30 minute call.
Setting up a Self-managed super fund (SMSF) and investing in property is a great way to plan for your retirement. However, it can be tricky to know without the necessary knowledge or experience.
That’s why we’re here to help! Our team of experts and SMSF Accountants at New Venture Wealth are here to assist you in applying for your SMSF ,getting your SMSF up and running whilst ensuring your fund is adhering to ATO regulations.
Our services include setting up your SMSF set up, completion of all your annual tax requirements by our team of chartered accountants (inclusive of an independent audit) ensuring your SMSF property adheres to all ATO regulations.
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Frequently Asked Questions
How long does it take to set up the SMSF?
Getting a mortgage in Queensland mostly comes down to four key things:
- Your income and expenses – Lenders want to see that you earn enough to comfortably repay the loan. That includes your salary, any other income, and how much you spend each month.
- Your deposit – In most cases, you’ll need at least 5–20% of the property price saved as a deposit. A bigger deposit usually gives you better loan options.
- Your credit history – Lenders check your credit report to see if you’ve paid off debts reliably in the past. It doesn’t have to be perfect, but they want to know you’re consistent.
- Employment stability – Ideally, you’ve been in your current job for a while or have a steady income if you’re self-employed.
There are a few other factors, like any debts you have (like credit cards or personal loans), but those are the big ones.
If you’re not sure how your situation stacks up, we’re happy to have a chat. We’ll go through where you’re at and give you a clear picture of what’s possible.
How much a does new SMSF costs?
Do I need to close down my other superannuation account?
Do I need an accountant
Can I have multitple people involoved in my SMSF?
What is the tax rate for a SMSF?
Didn’t find your answer?
Book a Free Consultation
We provide a FREE 30 minute online SMSF consultation to help you discover how to set up a self managed super fund.
Book in a time for your free SMSF Consult with one of our account managers who will be happy to answer any queries you have about setting up your new SMSF
Phone Number1300 050 939
Email Addressinfo@newventurewealth.com.au