SMSF Property Purchases
The SMSF property rules changed in 2026, and one wrong step can cost your fund thousands. Residential or commercial, we find, check and secure the right property for your fund, working alongside your accountant and adviser.
Book Your Free Consultation$170M+
Property secured
73%
Off / below market
21 Days
Avg. engagement to contract
100%
Client satisfaction
Who we help
Your fund buys a quality house or unit outright, for long-term growth. We make sure it's the right asset at the right price.
A quality property leased to an established tenant, producing income for your fund. It's also where SMSF borrowing still works.
Your fund can buy your premises and lease it to your business at market rent, so the rent builds your super.
Your options
The 2026 changes reshaped SMSF property. Here's how residential and commercial now compare, so you can choose with your adviser.
Path 1
Houses, townhouses and units, held for long-term growth.
Path 2
Offices, warehouses, retail and industrial, held for income.
General information only. Every fund, property and lease is different. Your accountant or licensed financial adviser should confirm what's right for yours.
Your fund isn't tied to your postcode. We track the data, get in before a market moves, then shift to the next one.
Brisbane. Perth. Melbourne. Sunshine Coast. Toowoomba. We've bought in all five for past clients, and the results speak for themselves.
Capital growth market
Bought for clients 2021 – 2024
Capital growth market
Bought for clients 2020 – 2024
Capital growth market
Bought for clients 2020 – 2024
Capital growth market
Bought for clients 2020 – 2024
Capital growth market
Bought for clients 2025
Markets shown reflect where we've bought for clients. Past performance doesn't guarantee future results.
Know before you buy
We buy within these rules every time, so your purchase stays compliant and works for your retirement.
You can't live in it, holiday in it or rent it to family or anyone related to you. It has to be for your retirement only.
Your fund can lease it to an unrelated tenant, or to your own business, as long as it's at market rent on proper terms.
Since 10 August 2026, SMSFs can't take out new loans to buy residential property. Borrowing is still allowed for commercial property used wholly in a business, held in a separate holding trust.
Your fund still has to cover loan repayments, costs and vacancies. A property that drains cash can hurt your whole fund, so we model it before you buy.
General information only. Every fund is different. Your accountant or licensed financial adviser should confirm what's right for yours.
Avoid these
We see these all the time. Each one can cost your fund money, or its compliance.
A weak lease, a shaky tenant or hidden outgoings can turn a good-looking yield into a cash drain.
Sign in the wrong entity and you can face extra stamp duty or a purchase your fund can't hold.
Tax settings don't fix a poor asset. Growth, quality and the right location still come first.
Underestimating repayments, costs and vacancy can leave your fund short of cash.
New SMSF loans for residential property were banned from 10 August 2026. A lot of online advice still hasn't caught up.
Product pushed by developers and spruikers, often with commissions built into the price. Independent advice stops that.
How we buy for your SMSF
Every step in the right order, with your accountant, adviser, lender and solicitor in the loop.
Your adviser or accountant confirms property suits your fund. We build the brief around it.
We confirm what your fund can spend. If you're borrowing for commercial property, we work with your SMSF lender first.
The right entity, and any holding trust, is in place before you sign, so the contract goes in the correct name.
We find and inspect residential and commercial property Australia wide, with cashflow estimates. For commercial, we review the lease too.
We negotiate the best price and terms, and coordinate inspections and your solicitor.
We manage settlement, hand over to a trusted property manager and keep supporting you after.
Our SMSF package
Residential, a commercial investment or your own premises. One process, done properly.
SMSF
The right property for your fund, residential or commercial, bought the right way.
For you if your SMSF is ready to buy, whether that's residential with cash, a commercial investment or your own business premises.
You never have to
Wade through spruiker stock
Worry about the name on the contract
Chase lenders, accountants and solicitors
What's included
We don't sell property and we don't take commissions from developers or selling agents. You pay us, so our advice is on your side.
We coordinate with the professionals your fund relies on, and can introduce trusted specialists if you need them.
Every fund and brief is different. Your fee depends on what you're buying, how wide we search and how hard it is to find. You'll know exactly what your fee is before you commit.
FAQs
Not for residential. From 10 August 2026, SMSFs can't enter new limited recourse borrowing arrangements to buy residential property, so new residential purchases need to be bought with cash. Loans already in place, and contracts exchanged before that date, are protected. SMSFs can still borrow for commercial property used wholly and exclusively in a business. Your adviser and lender will confirm what your fund can do.
Generally, yes. Commercial property used in a business can be bought by your fund and leased back to your business, as long as it's at market value and market rent on proper terms. Your accountant should confirm this for your situation.
No. The negative gearing restrictions on established residential property announced in the May 2026 Budget, starting 1 July 2027, apply to individual investors. Super funds, including SMSFs, are excluded. And because SMSFs can no longer borrow to buy residential property, most new residential purchases in super are bought outright anyway.
Not if it's residential. Members and anyone related to them can't live in, holiday in or rent a residential property owned by the fund.
Repairs and maintenance are fine. If the property is held under an SMSF loan, improvements can't be paid for with the borrowed money and the property can't be changed into a different kind of asset. Talk to your adviser before planning any work.
For residential property, your fund now needs to cover the full price plus costs, with a buffer left over for ongoing expenses. For commercial property, it depends on your lender's requirements, and SMSF lenders often want a bigger deposit than standard loans. Your adviser and lender will work this out with you.
No. Whether an SMSF is right for you is a decision for your licensed financial adviser or accountant. We come in once the strategy is confirmed, and make sure the property side is done properly.
Never. We're paid by you only. We don't sell property and we don't take commissions, so our advice is always on your side.
Ready when you are
Book a free consultation. We'll look at your goals, your fund's position and your options, with no pressure and no hidden agenda.
Book Your Free ConsultationThe information on this page is general in nature and does not consider your personal objectives, financial situation or needs. It is not financial, tax or legal advice. Monopoly Wealth Property Buyers does not provide advice on whether to establish an SMSF or invest through one. Please seek advice from a licensed financial adviser, registered tax agent or SMSF specialist before making any decision.
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