What I wish more people knew about SMSF Property Investment

Anissa often explains that yes, you can buy property through your super, as long as you follow the rules and keep it strictly for investment purposes. It’s a simple reminder that with clear guidance, SMSF property investment can open the door to building real long-term wealth inside your super.

Why You Need It

What I wish more people knew about SMSF Property Investment

Investing in property through your Self-managed Super Fund is a significant financial decision, and without clear guidance, it’s easy to make mistakes that can affect your super and hold back your long-term goals.

Here’s how the right advice can help:

  • Understand SMSF rules in simple, practical language
  • Learn how lending inside super works and what to expect
  • Build a long-term strategy to strengthen your retirement wealth

Feel supported through education and straightforward guidance

Did You Know?

“Many Australians are surprised that SMSF property investment, when structured properly, can improve retirement outcomes by combining contributions, rental income and long-term growth.”

Real Estate Investor Vs Property Investor Table

What’s Included

What our SMSF property investment advice covers

Our guidance goes beyond just finding a property. We help you create a long-term roadmap for financial independence.

SMSF investment planning

Strategy aligned with your income and retirement goals.

Market research and property insights

Growth areas that meet SMSF rules.

SMSF lending guidanc

Clear support on borrowing within super.

Super and cash flow support

Start strong, even from scratch

Property finance coordination

Access to lenders who understand SMSFs.

Investor education and mentoring

Simple guidance at every step.

Retirement-focused coaching

Use your super to build long-term security.

Who We Work With

Tailored property advice for every stage of life

Every SMSF property investment journey is different, which is why we keep our guidance simple, personal and focused on your long-term goals. With the right support, you can build meaningful retirement wealth.

First-time SMSF investors

Start strong with simple guidance that builds your confidence.

Family-focused SMSF investors

Support your family’s future with strategies that grow with you.

Time-poor professionals

We handle the planning to keep your SMSF goals on track.

SMSF upsizers and downsizers

Adjust your strategy as your lifestyle and needs change.

Dedicated SMSF investors

Grow your retirement wealth with clear, compliant advice.

Regional and metro SMSF investors

Advice that suits your lifestyle, location and long-term goals.

Why You Need It

Why choose Eda Property?

We’ve guided thousands of Australians to successful outcomes and we’re just getting started. As your trusted property investment consultant, we offer:

Independent, commission-free advice

Personalised support at every stage

Transparent investment education

Led by experienced investor Anissa Cavallo

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Years of combined team experience in property investment
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Trusted by Australians across VIC, NSW and QLD
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FAQs

Your SMSF Questions Answered

SMSF property investment can suit people who want more control over how their super is invested and are comfortable managing the responsibilities that come with it. It can offer long-term growth opportunities, but it must be approached with clear planning and a strong understanding of the rules, especially around borrowing and related-party restrictions.

Yes, an SMSF can buy an investment property as long as the property meets the superannuation rules. It must be for investment purposes only, cannot be lived in by members or relatives, and must be managed in line with the SMSF’s investment strategy. There are also strict rules around loans, deposits and the type of property allowed.

There’s no set minimum, but many Australians find property only becomes realistic once the fund has enough to cover the deposit, loan costs, legal fees, ongoing expenses and liquidity requirements. The amount varies depending on the lender and the property price, so getting personalised advice is important.

The 5% rule refers to the limit on in-house assets within an SMSF. Your fund cannot have more than 5% of its total value invested in related-party assets, loans or arrangements. If the fund goes over this limit, trustees must prepare and carry out a written plan to reduce the percentage within the following year.

SMSFs give you more control but also come with responsibilities, including strict compliance rules, ongoing costs and the need to keep the fund’s assets separate from personal finances. Mistakes can lead to penalties, so trustees must be confident they can manage the workload or have professional support.

There’s no single “safest” investment, as it depends on risk tolerance, goals and time frames. Many SMSFs use a mix of assets such as shares, managed funds, cash and property to balance growth and stability. A well-considered strategy is more reliable than trying to find one perfect investment.

SMSFs can access concessional tax rates, and rental income and capital gains may be taxed at lower rates when the fund is compliant. Once the fund moves into the pension phase, certain gains or income may even be tax-free. These benefits depend on correct setup, management and adherence to all SMSF rules.

FAQs

Your SMSF Questions Answered

Purchasing property in an SMSF can offer significant benefits. Without getting too heavily into the finer details, there are major tax and income benefits and increased superannuation opportunities on offer when you make this investment.

Properties purchased through an SMSF are not under the name of the fund itself. Upon purchasing, the name of the fund’s trustee is put on the property, making it possible for you yourself to own it.

When you purchase a property through your SMSF, you will certainly be able to enjoy it and live there yourself. However, not so long as you’re still employed. This investment pays off in your retirement, and once you’ve finished up work, you will be able to settle down to relax in the property you set aside for yourself.

Generally speaking, absolutely! While purchasing a property in your SMSF can take some work, this is an excellent investment strategy. You can generate long-term wealth for your retirement whilst achieving your property goals. Working with a financial expert can help you figure out the best route forward.

Yes, it is possible to purchase property through SMSF funds. Managing this can be a little tricky, however, as it all depends on the specifics of your fund, its financial position, and your circumstances. For more thorough advice and guidance on what this process could look like for you, reach out to the Eda Property team today.

There are inherent risks involved with purchasing SMSF property. SMSF property loans can often run higher than other property loans, and there is a risk of higher costs associated. Your fund always needs to consistently have sufficient cash flow coming through, as well. Ensuring you’re making wise choices by investing in SMSF property all boils down to working with financial experts in order to protect yourself in the future. At Eda Property, we help clients maximise benefits and minimise risks!

Every client is different, and we take pride in offering advice tailored wholly to your circumstances, long-term goals, and current finances. Contact Eda Property today for a comprehensive assessment of your situation and personalised advice regarding your financial goals.

Purchasing a property within your SMSF has a multitude of benefits on offer, but it isn’t an easy feat, especially if it’s your first time doing so. By working with Eda Property, we can offer experienced advice and connections with industry-leading financial partners. We can help you create a strong foundation through your purchasing plan, finding the best deals with the greatest long-term benefits possible.

 

Client Testimonials

Property investors’ success stories

“Great service by Eda Property. They really spent the time and effort to help me find the ideal first investment property. Anissa is knowledgeable and personable. Would highly recommend their services.”
Mo – First-Time Investor
“What a fantastic experience! I was introduced to Anissa through a friend purchasing her first investment property, and she spoke highly of Anissa’s market knowledge. Now I see why. The best thing about Eda is their processes. Clear, supportive and well-structured.”
Jason – Referred and Reassured

“Amazing advice and an even more lovely team! I’d like to thank everyone, especially Anissa, for the help and understanding throughout my purchase of house and land packages.”

Harika – House and Land Support, First-Time Investor

Client Testimonials

Property investors’ success stories

“Great service by Eda Property. They really spent the time and effort to help me find the ideal first investment property. Anissa is knowledgeable and personable. Would highly recommend their services.”
Mo – First-Time Investor
“What a fantastic experience! I was introduced to Anissa through a friend purchasing her first investment property, and she spoke highly of Anissa’s market knowledge. Now I see why. The best thing about Eda is their processes. Clear, supportive and well-structured.”
Jason – Referred and Reassured

“Amazing advice and an even more lovely team! I’d like to thank everyone, especially Anissa, for the help and understanding throughout my purchase of house and land packages.”

Harika – House and Land Support, First-Time Investor

Get in touch with our property investment advisors today!

Life changes – your property strategy should too. We review your portfolio yearly and support you every step of the way.

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Contact Form

Get in touch with our property investment advisors today!

Life changes – your property strategy should too. We review your portfolio yearly and support you every step of the way.

We respect your privacy. View our Privacy Policy.

Contact Form

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