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- 36 Marine Parade, Southport QLD 4215
- 0414 646 513
- Free Of Charge Service!
- Free Of Charge Service!
A Self-Managed Super Fund (SMSF) is a super fund that you manage yourself instead of having a company do it for you. It can have up to six members, and everyone in the fund must also be a trustee. That means all members share the responsibility for running the fund and deciding how the money is invested, including whether to use it to buy property.
Australians are increasingly interested in SMSFs because:
By 2025, property remains one of the most popular SMSF investment choices.
Yes, SMSFs are allowed to buy residential or commercial property. But SMSF property comes with strict conditions.
These rules ensure the property remains a genuine retirement investment.
No, SMSFs cannot be used to buy your own home.
Even if you’re a first home buyer, the rules clearly state:
SMSFs are only for investment, not for getting into your personal home.
SMSFs can buy residential property, but it must be strictly for investment purposes.
Residential SMSF investment is especially popular in Queensland due to affordability and strong rental demand.
The property must only support your retirement, no personal benefit allowed.
Borrowing inside an SMSF must be done using a special structure called an LRBA (Limited Recourse Borrowing Arrangement).
You must have a written plan showing why property suits your retirement goals.
All deals must be at fair market value, this avoids conflicts of interest.
SMSFs must complete annual audits, tax returns, and keep detailed records.
Property inside an SMSF is only worthwhile if your fund has enough money.
You need at least $150,000–$250,000 in combined super to make SMSF property viable.
Why so much?
Because you need to pay for:
If your SMSF balance is too low, it can become risky or non-compliant.
Yes, first-time investors can use an SMSF to buy property in Queensland. It just can’t be your personal first home. Popular SMSF investment areas in QLD include:
These suburbs offer strong rental demand, growth, affordability, and ongoing development.
An LRBA (Limited Recourse Borrowing Arrangement) is the only legal way an SMSF can borrow money to buy property.
At Property Acquire, we can help you find the right lender to structure and service your SMSF loan properly. We work with trusted brokers who understand the unique lending rules, contribution limits, and borrowing requirements that come with SMSF property purchases. Whether you’re looking to expand your investment portfolio or secure a long-term growth asset, we’ll guide you through each step to make the process clear and stress-free.
SMSFs offer strong tax benefits for property investors. This makes SMSF property an attractive long-term wealth strategy.
Residential SMSF investment is especially popular in Queensland due to affordability and strong rental demand.
Using an SMSF to buy property can be a powerful retirement strategy. It offers tax benefits, long-term growth potential, and full investment control, making it a popular choice for many Australians.
However, SMSF property investing comes with strict rules and responsibilities. It’s not suitable for first home buyers, and it requires a strong super balance and long-term commitment.
For first-time investors, it can be a smart way to grow wealth.For first-time home buyers (Internal link), you should explore other options.