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Everything You Need to Know About SMSF Property Investment
We’ve answered some of the most common questions Australians have before setting up an SMSF and investing in property through their super.
1. What is an SMSF and how does it work?
A Self-Managed Super Fund (SMSF) is a private super fund that you control. Instead of relying on a large fund manager, you and up to five members make investment decisions — including buying property, shares, or other assets — with the goal of growing your retirement savings.
2. Can I buy property with my super?
Yes, you can — provided your SMSF is set up correctly and meets all Australian Taxation Office (ATO) regulations. The property must be purchased for investment purposes and cannot be lived in or rented by you or your family members. Our partner advisers can assess whether your circumstances meet the necessary criteria.
3. Do I need a large super balance to get started?
Typically, a combined super balance of around $150,000 or more is recommended to make an SMSF property investment viable. However, suitability depends on multiple factors such as borrowing capacity, income, and overall fund structure. A licensed professional can review your situation and confirm if this strategy fits your goals.
4. What does Pillar SMSF actually do?
Pillar SMSF is not a financial adviser. We operate as a referral and information service, connecting Australians who are interested in SMSF property strategies with trusted, licensed professionals who can assist. We make it simple and transparent to explore your options without obligation or cost.
5. Is this service free to use?
Yes. There’s no cost to submit your enquiry or check your eligibility. If you choose to proceed, any fees or advice costs will be clearly disclosed by the licensed professional you’re referred to. Pillar SMSF does not charge you directly or provide financial advice.
1. What is an SMSF and how does it work?
A Self-Managed Super Fund (SMSF) is a private super fund that you control. Instead of relying on a large fund manager, you and up to five members make investment decisions — including buying property, shares, or other assets — with the goal of growing your retirement savings.
2. Can I buy property with my super?
Yes, you can — provided your SMSF is set up correctly and meets all Australian Taxation Office (ATO) regulations. The property must be purchased for investment purposes and cannot be lived in or rented by you or your family members. Our partner advisers can assess whether your circumstances meet the necessary criteria.
3. Do I need a large super balance to get started?
Typically, a combined super balance of around $150,000 or more is recommended to make an SMSF property investment viable. However, suitability depends on multiple factors such as borrowing capacity, income, and overall fund structure. A licensed professional can review your situation and confirm if this strategy fits your goals.
4. What does Pillar SMSF actually do?
Pillar SMSF is not a financial adviser. We operate as a referral and information service, connecting Australians who are interested in SMSF property strategies with trusted, licensed professionals who can assist. We make it simple and transparent to explore your options without obligation or cost.
5. Is this service free to use?
Yes. There’s no cost to submit your enquiry or check your eligibility. If you choose to proceed, any fees or advice costs will be clearly disclosed by the licensed professional you’re referred to. Pillar SMSF does not charge you directly or provide financial advice.