Maximise Your Superannuation with Investments in SMSF

Unlock the potential of your super with strategic property investment.

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Turn your Superannuation into a powerful property portfolio

Control Your Investments

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Use leverage to your advantage. 3-4 x your asset base, poised for long-term growth

Maximise Leverage

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Unlock benefits available to SMSF property investors, in a low tax environment

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Utilise Tax Advantages

Property within your SMSF is a proven path to sustainable wealth creation

Build Long Term Wealth

Take full control of your super with direct property ownership through your SMSF

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Turn your Superannuation into a powerful property portfolio

Take full control of your super with direct property ownership through your SMSF

Icon of a document with a checkmark inside a box, over a teal circle.

Control Your Investments

Use leverage to your advantage. 3-4 x your asset base, poised for long-term growth

Line graph with an upward trend, overlaid on a turquoise circle.

Maximise Leverage

Unlock benefits available to SMSF property investors, in a low tax environment

An icon of a document with lines of text, partially covered by a magnifying glass.

Utilise Tax Advantages

Property within your SMSF is a proven path to sustainable wealth creation

Icon of a house with a dollar sign inside, representing real estate or mortgage.

Build Long Term Wealth

Grow smarter - see how leverage multiplies results

By leveraging your capital, you can control a larger asset and benefit from its full growth potential.

Line graph comparing growth of industry super fund and leveraged property investments over 15 years. The leveraged property line, shown in teal, increases faster than the industry super fund line, shown in gray.

Disclaimer: This graph is for general information purposes only and does not constitute financial advice. Past performance is not a reliable indicator of future results. You should seek independent professional advice before making any investment decisions.

Investing in property through your SMSF gives you greater control, flexibility, and potential for higher returns. Unlike traditional super, you can directly own tangible assets, use strategic leverage, and build long-term wealth within a tax-effective structure.

The SMSF Property Advantage

Traditional Super

Limited investment choices

No direct control

Standard market returns

Limited opportunity for leverage

Standard 6-8% returns*

SMSF Property Investment

Direct property ownership

Full investment control

Rental income + capital growth

Boost portfolio with leverage

*Indicative returns based on historical performance. Past performance is not indicative of future results.

Leveraged up to 30% returns*

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  1. Strategy Session
    (with Advisor)

We work with your accountant to confirm alignment with your SMSF investment strategy.

Simple steps to SMSF property investment

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2. Research & SMSF-Compliant Shortlist

Source high-growth, ATO-compliant investment properties presented for adviser review.

5. Ongoing
Support

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3. Acquisition & LRBA Structuring

Manage negotiations and coordinate LRBA requirements with lenders and your adviser to ensure compliance.

Provide ongoing support for refinancing, portfolio growth, and strategy updates as your SMSF evolves.

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4. Settlement & SMSF Setup

Oversee documentation, bare trust setup, loan structure, and settlement to ensure correct SMSF ownership.

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Invest smarter. Build faster. Achieve more.

Speak with a property expert and uncover the smartest path to achieving your investment goals - before the market moves again.

Simple steps to SMSF property investment

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2. Research &
SMSF-Compliant Shortlist

1. Free Strategy
Session

We work with your accountant to confirm alignment with your SMSF investment strategy.

Icon of interconnected dots representing a network or graph.

Source high-growth, ATO-compliant investment properties presented for adviser review.

Clipboard icon on a black background.

4. Settlement &
SMSF Setup

Oversee documentation, bare trust setup, loan structure, and settlement to ensure correct SMSF ownership.

3. Acquisition &
LRBA Structuring

Manage negotiations and coordinate LRBA requirements with lenders and your adviser to ensure compliance.

Line drawing of a house icon with a door, surrounded by three overlapping pages or documents.
Recycling or refresh icon with two arrows forming a circle, one pointing left and the other pointing right, on a white background.

5. Ongoing
Support

Provide ongoing support for refinancing, portfolio growth, and strategy updates as your SMSF evolves.

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Invest smarter. Build faster.
Achieve more.

Speak with a property expert and uncover the smartest path to achieving your investment goals - before the market moves again.

  • Navigate complex SMSF regulations with confidence. We ensure every property meets compliance requirements.

  • Access exclusive off-market properties and negotiate under-market purchases through our extensive network.

  • Every recommendation is based on investment fundamentals - rental yield, growth potential, and market dynamics.

  • From initial strategy to ongoing portfolio management, we're with you every step of your investment journey.

We specialise in finding compliant, under-market properties that deliver strong returns for SMSF investors. Here's why investors choose Properly.

Your SMSF Property Experts

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See how Properly has helped SMSF investors turn their super into powerful property portfolios with measurable results.

Real Investors, Real Results

Financial summary for James & Emma's SMSF property investment, showing initial balance of $280,000, property value of $650,000, under market saving of $45,000, 12-month growth of 19.9%, equity growth of $129,000 over 12 months, with the outcome of long-term wealth creation for retirement.
Financial overview for Oliver B, SMSF Property Investment: initial balance $190,000, property value $572,000, under market saving $28,000, 12-month growth 23.3%, equity growth $133,000 over 12 months, goal of long-term wealth creation for retirement.

SMSF Property Investment: Common Questions

  • An SMSF property investment involves using your Self-Managed Super Fund to purchase property as part of your retirement strategy. The property is owned by the fund, and any income or capital growth goes back into your super for long-term wealth creation.

  • Yes — under a structure called a Limited Recourse Borrowing Arrangement (LRBA), your SMSF can borrow to purchase property. The loan is secured only against the property, protecting the rest of your fund’s assets.

  • An SMSF can buy residential or commercial investment properties, as long as the purchase complies with superannuation laws. The property must be solely for investment purposes — not for personal use or related parties.

  • No. SMSF investment properties must meet the ‘sole purpose test’ — they can’t be used by you, your business, or your relatives. All rental arrangements must be at arm’s length and on commercial terms.

  • SMSF property investment offers control, leverage, and potential tax advantages. It allows you to directly choose assets, use super savings to invest in real property, and benefit from concessional tax rates on income and capital gains.

  • Like any investment, there are risks — including property market fluctuations, liquidity constraints, and strict compliance rules. It’s important to seek professional advice before proceeding to ensure it aligns with your fund’s strategy.

  • While there's no legal minimum, we typically recommend at least $200,000 in your SMSF to make property investment viable. This allows for a deposit, associated costs (stamp duty, legal fees, etc.), and maintaining adequate cash reserves for ongoing expenses and compliance requirements.

  • Typical costs include setup and ongoing SMSF fees, loan establishment costs, legal and accounting fees, stamp duty, and property management expenses. A clear cost breakdown helps ensure your investment remains financially sound.

  • All rental income and future capital gains go directly back into your SMSF, taxed at concessional rates. Over time, this can significantly boost your retirement savings through compounding growth.

  • A buyers agent helps you identify compliant, high-performing properties that suit your SMSF strategy. We handle research, sourcing, and negotiation — ensuring your fund invests strategically and confidently.

Ready to invest smarter with your super?

Get in touch.