Buying Investment Property with Superannuation
Take control of your retirement with strategic SMSF property investing.
Use Your Super to Build a Brand-New Investment Home
Buy Property With Your Superannuation
SMSF-Ready New House and Land Packages
We help Australians invest in new residential property using their SMSF by providing access to already packaged, single part contract properties that are structured correctly and ready for purchase by your super fund.
If you want to buy property with super but keep running into compliance barriers, you are in the right place.
The Problem With SMSF Property Purchases
Buying property through an SMSF is not the same as buying property personally.
When an SMSF is borrowing, Australian superannuation law requires the fund to purchase a single acquirable asset. This means two-part contracts (one for land and one for construction) are not allowed.
Because of this, many SMSF investors have historically been limited to:
Existing houses
Apartments and townhouses
A small number of builders willing to sell under a single contract
As a result, most investors have been locked out of new house and land builds inside their SMSF.
Our Solution: Single Part Contract SMSF Property
Property With Superannuation solves this problem by offering access to a wide range of SMSF-compliant new house and land packages that are already structured under a single part contract.
These properties are:
Packaged correctly for SMSF purchase
Treated as a single acquirable asset
Ready to be purchased using your superannuation
This opens the door to new residential property investment within your SMSF, without breaching super rules.
What We Offer
SMSF-Ready New House and Land Packages
We provide access to new residential properties that have already been structured under a single part contract, making them suitable for SMSF borrowing and purchase.
SMSF Property Structuring & Facilitation
We work with specialist facilitators who convert traditional two-part builds into compliant single part contract solutions, ready for sale to your SMSF.
Education & Guidance for SMSF Investors
We help you understand:
How SMSF property purchases work
Why single part contracts are required
What is needed to invest in property using superannuation
Who This Is For
Property With Superannuation is designed for Australians who want to:
Buy a house using their superannuation
Invest in new residential property through an SMSF
Avoid compliance issues and costly mistakes
Access a broader range of SMSF-compatible properties
Why Choose Property With Superannuation
SMSF-specific property expertise
Access to compliant, single part contract builds
Clear education around SMSF property rules
A structured pathway from enquiry to purchase
We focus on doing it right the first time, so your SMSF property investment is compliant, structured, and ready to proceed.
Take the Next Step
If you are considering buying property with your superannuation, the next step is understanding what is possible and what structure is required.
Property With Superannuation makes SMSF property investment simpler by providing access to property solutions that are already structured correctly.
Using your superannuation to buy investment property is a growing strategy among Australians seeking to build wealth for retirement. With the right structure—particularly through a Self-Managed Super Fund (SMSF)—you can invest in residential or commercial property while enjoying tax advantages and long-term growth potential.
Can You Buy an Investment Property with Super?
Yes, you can—but only through an SMSF.
Retail and industry super funds don’t allow direct property purchases. With an SMSF, you manage your super and can buy residential or commercial property, provided it complies with ATO regulations.
Key ATO Rules:
- Property must meet the sole purpose test: benefit your retirement only.
- It cannot be lived in or rented by you or your family.
- Transactions must be at arm’s length (market value).
What Is Superannuation and How Does It Work?
Superannuation, or “super,” is a long-term savings system designed to fund your retirement. Employers contribute a percentage of your salary into a super fund, which is typically invested in shares, bonds, and other assets.
But with a Self-Managed Super Fund (SMSF), you can take direct control and invest in alternative assets like property—offering greater flexibility and potential rewards.
What Types of Property Can a SMSF Buy?
| Property Type | Rules & Use |
|---|---|
| Residential | Must be bought from an unrelated party. Cannot be used by fund members or relatives. |
| Commercial | Can be leased to your own business at market rates. |
Benefits of Buying Property with Super
| Key Benefits of SMSF Property Investment |
|---|
| Greater control over investment strategy |
| Long-term capital growth potential |
| Tax-efficient structure (15% tax rate, 0% in pension phase) |
| Option to lease commercial property to your own business |
Helping You With Wise Property Investments
We have a proven track record of helping Australians build wealth through property investment using their superannuation. Our results reflect a dominant position in the SMSF property market and a deep commitment to strategic, compliant outcomes for our clients.
SMSF Property Portfolio
A curated selection of residential and commercial properties acquired through Self-Managed Super Funds, showcasing the scale and sophistication of our investment strategies.
ATO-Compliant Transactions
From setup to settlement, we’ve facilitated high-value purchases aligned with SMSF regulations—consistently delivering strong capital growth and rental yields.
Trusted By SMSF Investors Nationwide
Our clients include professionals, business owners, and high-net-worth individuals who trust us to maximise their super’s potential through property.
Get in touch with our SMSF Agents
Frequently Asked Questions
Can you buy an investment property with superannuation?
Yes—but only via an SMSF. You must follow strict ATO guidelines.
Can my SMSF borrow money to buy property?
Yes, through an LRBA, but you’ll need a substantial deposit and a compliant structure.
Can I live in the property?
No. SMSF property must serve the sole purpose of retirement benefits and cannot be used by fund members or relatives.
Is it worth buying property through super?
For many, yes. It combines long-term capital growth, rental income, and tax benefits—but it’s complex. Get professional advice before proceeding.