Strategy Before Property
Your SMSF just lost a lever.
Here’s what’s still open.
From 10 August 2026, new SMSF loans for residential property are gone. Three questions tell you which path is still available to your fund — and which one fits it best.
How much can your fund put toward this in cash, without borrowing?
Does the property need to be residential, or is your fund open to commercial?
Would your fund consider owning a share of a property, rather than the whole thing?
Your fund’s strongest path
The Pathfinder gives a general starting point based on your answers — it isn’t personal financial advice and doesn’t account for your fund’s full circumstances. Speak with your accountant or financial adviser before acting on any SMSF property strategy.
Three Paths, One Fund
Since 10 August 2026, new SMSF loans for residential property are no longer available. Here’s what’s still open, and where to read more about each.
Residential — Cash Purchase
Buy outright with fund capital. No borrowing, no bare trust, no LRBA compliance overhead.
Read more →Commercial Property
One of the few asset types your SMSF can still borrow to acquire, with a 30–35% deposit.
Read more →Fractional Investment
Own a share of a property with no borrowing needed, from a lower entry point.
Read more →