A Self-Managed Superannuation Fund (SMSF) allows eligible individuals to take greater control of their retirement savings, including the opportunity to invest in property.
At Nu Wealth, we specialise in researching and sourcing investment property opportunities across Australia. Our experienced team assists clients in exploring commercial property investments, providing market insights and property acquisition support.
From 10 August 2026, changes to Australian superannuation legislation introduced new restrictions on SMSF borrowing for residential property.
Under the Treasury Laws Amendment (Tax Reform No. 1) Act 2026, new Limited Recourse Borrowing Arrangements (LRBAs) used to acquire real property must generally relate to qualifying business real property.
Commercial Property: SMSFs can continue purchasing qualifying commercial and business premises using available funds or compliant borrowing arrangements.
Residential Property: New SMSF borrowing arrangements to purchase residential investment property are generally prohibited.
Existing Residential SMSF Loans: Eligible arrangements established before 10 August 2026 may continue, including certain refinancing arrangements.
Cash Purchases: SMSFs can still purchase residential investment properties outright using available funds, provided all SMSF regulations are satisfied.
Commercial property remains an investment option for SMSF trustees, offering opportunities to diversify their retirement investment portfolio.
Eligible properties may include offices, retail premises, warehouses, industrial properties and other qualifying business premises.
Potential benefits include:
Portfolio Diversification: Broaden your SMSF investments through exposure to commercial property.
Rental Income: Generate potential ongoing rental returns to support the fund’s long-term investment objectives.
Capital Growth: Benefit from potential long-term property appreciation.
Tax Advantages: Complying SMSFs may benefit from concessional tax treatment on rental income and capital gains, depending on the fund’s circumstances.
Business Premises Ownership: Eligible business owners may be able to purchase qualifying commercial premises through their SMSF and lease the property to their business at market rates.
SMSFs may also be permitted to borrow to purchase qualifying business real property through a compliant Limited Recourse Borrowing Arrangement (LRBA).
All SMSF property investments must comply with applicable superannuation legislation, the fund’s investment strategy and trustee obligations.
Key considerations include:
Property eligibility and related-party transaction restrictions
Commercial lease arrangements and market-rate rental requirements
SMSF borrowing and financing regulations
Ongoing property expenses, liquidity and cash flow
Taxation, administration and compliance obligations
SMSF trustees are responsible for ensuring their investments comply with the fund’s legal and regulatory requirements. Independent professional advice should be obtained before making investment decisions.
Nu Wealth understands that if this is new to you, it may be a lot to take in and be quite overwhelming , we specialise in property investment and we suggests investors get specific advice from a qualified accountant before embarking on an SMSF journey, that will allow you to gain insight to the key benefits of building a property portfolio through a super fund. There are many further considerations when it comes to buying a property with your SMSF the amount of tax you pay on rental income from the property and capital gains tax can change over time, and it is vital to be across laws such as these. Therefore, engaging a SMSF compliant accountant will be game-changer. The goal of your SMSF is to maximise your retirement funds and secure your future.
At Nu Wealth, our approach combines property market research, industry knowledge and personalised property acquisition assistance.
Our services include:
Researching and sourcing commercial investment property opportunities across Australia
Identifying properties based on your investment requirements
Providing property market information and research
Assisting with property negotiations and acquisitions
Working alongside relevant professionals throughout the purchasing process
We understand that navigating SMSF property investment can involve complex requirements. Our team is here to assist with the property acquisition process while working alongside appropriately qualified professionals.
Suite 1, 133 Burswood Rd,
Burswood, WA 6100
