Single Contract Property to suit your SMSF

Single Contract SMSF Compliant Property

When wanting to invest in a property using your SMSF and use borrowings – one may not enter into a two part contract where you buy the land and improve on the residential property. Meaning your choice of what to invest in using your SMSF have always been limited.

In steps “One Contract Property” (OCP), who sign the contracts with the land provider and the builder and enter into a single contract with you / your SMSF to provide you with a completed single contract property once built.

This is an amazing initiative allowing us to offer you the investor an incredible choice of what to invest in that could maximise your ROI for the SMSF.

Previously we would have to source a builder who was prepared to do this, and if we were lucky to find one they usually charged around $30k or so for the privilege.

 Today we have the likes of a professional and reputable firm called One Contract Property which eliminates the need to find that rare builder who might do this if they had capacity. Builders today are exceptionally busy and avoid doing this for clients as it impacts their cash flow dramatically.

OCP deserve every cent they charge your SMSF and more, for coming up with this incredible initiative which also is compliant and acceptable under SMSF rules.

If you are wanting to secure a new build whilst having an incredible choice of location, reach out to us for further discussion and if you qualify we will comfortably refer you onto OCP.

By the way, they also have access to a lender who does not have the onerous hoops a bank makes you jump through when trying to secure finance for your SMSF. And they understand the value of the property and will tend not to under value it as banks tend to do.

We can even help you access SDA Property under the NDIS for your SMSF. Incredibly high yields, ideally suited to super, outperform any other residential property yield wise, allowing you to amass more wealth in your super than you could achieve through other property. See more here and ask us here for more info.

Steps and Process

Investor requests single contract investment for SMSF

  • Require 35% deposit on hand
  • Have the SMSF and Bare Trust established
  • Have funds in SMSF
  • And be qualified to invest in the property

Selection of the Investment Grade Property

  • Find the opportunity
  • Price it to include Single Contract pricing from calculator
    • Entering both Land and Build Price into calculator
  • Client selects any upgrades or variations where required
    • Enter these added fees into calculator
  • Establish final single contract price
  • On agreeing, client proceeds to next step

Introduction to One Contract Property

  • Client referred directly to OCP
  • Client agrees to work with OCP and submits their $5k and Expression of Interest
  • OCP then pays the EOI for the land
  • Receives land Contract
  • Receives Build Contract
  • Issues a Single Part Contract to client


  • Enters into an unconditional single part contract with OCP
  • Pays balance of 35% deposit to OCP
  • Supplies confirmation from external financier for 65% balance of funds to complete

One Contract Property

  • Settles purchase of the land
  • Enters Build Contract and pays 5% build deposit to builder
  • Normal build process commences
  • Progress payments made to builder as per building terms of the contract


  • Call for Final Inspection and Handover
  • One Contract Property pays final draw down to Builder
  • Clients external finance releases balance of 65% of funds to OCP
  • Standard warranties transferred to client from the Builder

OCP initiates a program to ensure you the investor has a wider choice of property to invest in using your SMSF by turning any house and land opportunity into a Single Contract which remains compliant in terms of SMSF investment rules around residential property.

They achieve this by stepping in between your SMSF and the House and Land Contracts.

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