Supercharge Your Retirement with SMSF Property Investing
Why invest in property through an SMSF?
How Prop Moves helps
you invest through an SMSF
Expert SMSF Guidance
We connect you with our trusted network of accountants, mortgage brokers, and legal experts to ensure your SMSF is set up correctly and compliant with regulations.
Property Selection & Due Diligence
Not every property is SMSF-compliant or investment-grade. We identify properties that meet strict performance and compliance criteria, ensuring you make a smart, ATO-approved investment.
Navigating Lending & Finance
SMSF loans have unique lending restrictions. We connect you with specialist lenders and finance professionals to help you structure your loan for success.
Full Compliance Support
SMSF property investing comes with strict ATO regulations. We ensure you have expert guidance every step of the way, so your investment is legally sound and tax-efficient.
End-to-End Support
From strategy to settlement, we help you navigate the entire process—making SMSF property investing simple, stress-free, and effective.
What You Need to Know Before Buying Property Through an SMSF
You Must Set Up an SMSF First
Strict Borrowing Rules Apply
SMSFs can use Limited Recourse Borrowing Arrangements (LRBA), but lenders have stricter criteria & lower borrowing limits.
You Can’t Live in the Property
SMSF investments must be strictly for investment purposes—you or your family can’t live in the property.
Property Must Meet Compliance Rules
Not all properties are suitable for SMSF investment. We help ensure your purchase is ATO-compliant and financially sound.
Take Control of Your Retirement – Invest in Property with Confidence
Not sure where to start with your SMSF property investment?
Buyers Agent FAQs: Buying
Property in Australia Made Simple
Client Experience & Results
Can I use my superannuation to buy investment property?
Yes, but you’ll need a Self-Managed Super Fund (SMSF). While an SMSF lets you purchase property using your super, strict rules apply. At Prop Moves, we simplify the process and connect you with trusted experts—because when it comes to your retirement future, expert guidance is critical
Can I live in my SMSF property?
No, SMSF properties must be strictly for investment purposes. You or your family cannot live in the property, even as tenants.
What are the tax benefits of SMSF property investing?
SMSFs pay just 15% tax on rental income during the accumulation phase. If the property is held for more than 12 months, capital gains tax is reduced to 10%. Once the SMSF moves into retirement phase and the property supports a pension, rental income and capital gains can become tax-free, subject to current superannuation rules. This makes SMSF property a tax-effective strategy for building long-term wealth.
Can I access equity from my SMSF property?
No — SMSF properties purchased with a Limited Recourse Borrowing Arrangement (LRBA) generally cannot be refinanced or redrawn to access equity, unlike properties held outside super. That said, your SMSF still offers flexibility: you can sell the property and reinvest the proceeds within the fund, or use rental income and cash reserves to build your investment portfolio — all while keeping funds securely inside your SMSF until retirement.
How do I get started with SMSF property investment?
Contact us for a no-obligation discussion, where we break down the jargon into easy-to-understand language. We’ll walk you through the process and connect you with our trusted network of experts to guide you through every step with confidence.
