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Let’s Talk About Your SMSF Property Strategy
Straightforward answers, real experience, no pressure.
Whether you’re exploring your first SMSF property, weighing up residential against commercial or fractional investment, or want a second opinion on a strategy already in motion, we’re happy to talk it through — no obligation, no hard sell, and with the aim of leaving you better informed than when you started.
Not sure where to start? Take the 30-second SMSF Pathfinder.
Three Ways to Get in Touch
Call or Email
Talk to Stephen directly on 0413 108 125, or email steve@propertnetwork.com.au.
Send an emailSend a Message
Use the form below and we’ll come back to you, usually within one business day.
Go to the formWhat Happens When You Reach Out
Send Your Details
Book a time, call, or fill in the form below and tell us when’s best to reach you.
We Talk It Through
A relaxed conversation about your goals, your fund, your timeframe and your budget.
Weigh Up Your Options
We help you understand what’s possible and what’s feasible — you decide what’s next.
Helpful to Have Handy
You don’t need any of this to get in touch — but if you have it, the first conversation goes further:
- A rough idea of your fund’s balance and what it’s currently invested in
- Whether your fund already owns property, or has a loan in place
- What you want the investment to do — income, growth, or a mix of both
- Your timeframe to retirement, and who else is a member of the fund
- Your accountant’s or financial adviser’s details, if you have one
Not sure about any of it? That’s fine — working it out together is part of the conversation.
Send Us Your Details
Tell us a little about what you’re looking for and we’ll be in touch — we usually respond within one business day.
Frequently Asked Questions
Does it cost anything to talk to you?
No. The first strategy session is free and there’s no obligation. It’s a chance to understand your fund and your goals, and for you to decide whether our approach suits you.
Can my SMSF still buy residential property?
Yes, but not with a new residential loan. New residential Limited Recourse Borrowing Arrangements (LRBAs) are no longer available, so residential property is now bought with the fund’s own capital, or through a unit trust structure. Our Residential page explains the options.
Can my SMSF still borrow to buy commercial property?
Yes. An SMSF can still use an LRBA to buy commercial (business real) property, provided the fund’s trust deed allows borrowing and the purchase meets the ATO’s “single acquirable asset” rules. Lenders generally look for a deposit of around 30–35%, depending on the fund’s balance and the property’s rental income. See our Commercial Property page for more.
Can my SMSF lease a commercial property to my own business?
Yes. Unlike residential property, an SMSF can lease business real property to a related party, including a member’s own business, provided the lease is a formal, arm’s-length agreement at market rent. The ATO’s guide to SMSF investment restrictions sets out the conditions.
What if my fund can’t afford a whole property?
Fractional investment lets an SMSF own a share of a property through a unit trust structure, at a lower entry point and without borrowing. Our Fractional Investment page explains how it works.
How is property taxed inside an SMSF?
Rental income is generally taxed at up to 15% in accumulation phase, and a one-third capital gains discount can apply to property held for more than 12 months. Earnings supporting a retirement-phase pension can be tax-free, subject to the transfer balance cap. Full detail is in the ATO’s guide to how SMSFs are taxed.
Should I involve my accountant or financial adviser?
Yes, and we encourage it. We work alongside your existing advisers. They confirm your fund’s investment strategy and compliance, and we help you assess whether property fits and which property suits your fund.
Explore the properT network Family of Sites
SMSF property is one part of a bigger picture. Our other sites cover investment property more broadly, by location and by strategy:
- properT network — our main site, covering property investment strategy across personal name, trust and SMSF ownership structures.
- Investment Property Queensland — investment property opportunities across Brisbane, South East Queensland and regional QLD.
- Investment Property Melbourne — investment property opportunities across Melbourne and Victoria.
- Downsizing for Retirement — downsizing and super contribution strategies for retirees.
This is general information only and does not take into account your personal objectives, financial situation or needs. It is not financial, legal or tax advice. Speak with your accountant or financial adviser before making any decision about your SMSF.
Prefer to Just Pick a Time?
Book a free, no-obligation strategy session directly into Stephen’s calendar.