Buying property through your SMSF
Since 10 August 2026, an SMSF cannot take out a new loan to buy residential property. It can still buy residential property with cash in the fund, use a new loan for eligible business real property and keep what it already holds. Your SMSF specialist confirms what suits your fund. We research, check and buy the property.
850+ five-star Google reviews. REB Buyer's Agency of the Year, winner 2023, 2024 and 2026.
As two busy executives who travel frequently for work, we knew we didn’t have the time to become SMSF property experts ourselves. Our philosophy was simple: find the experts, trust the process, and let them do what they do best. InvestorKit exceeded every expectation. They managed our entire SMSF property purchase from start to finish, including while we were overseas.
We'll reveal how you can save time, stress, and money through strategic property investing.
REB Buyer's Agency of the Year, winner 2023, 2024 and 2026.
Our customer success has been featured in 1000+ media and news outlet articles.
In the newsSound familiar?
Headlines about SMSF lending leave you unsure what your fund can still do, and what it means for property it already holds.
Your balance is growing, but you are not sure whether property still has a place alongside what the fund already holds.
A cash purchase puts more of the fund into one asset, so every property needs checking with extra care.
Your accountant, SMSF specialist, solicitor and the selling agent all need to line up, and you have a job as well.
What is really going on
Many SMSF property conversations used to start with the loan. Now a residential purchase needs cash in the fund, and new borrowing is limited to business real property (premises used in a business). That makes two questions matter more: whether property suits your fund at all, which is for your SMSF specialist, accountant or licensed adviser, and which property fits once it does. Keeping each question with the right professional makes everyone’s role clear.
Who does what
Research markets and properties that fit the brief agreed with you and your advisers
Run our 20-point due diligence on every shortlisted property
Negotiate the purchase and manage the contract timeline
Keep your accountant, solicitor and any lender updated through settlement
Your SMSF specialist or accountant: whether property suits the fund, its investment strategy, compliance and tax
Your licensed financial adviser: whether an SMSF suits your retirement at all
A lender or broker: any borrowing, which for new purchases is now limited to business real property
Your solicitor or conveyancer: the contract and title
InvestorKit does not provide financial, tax, legal or credit advice, or advice on whether an SMSF suits you.
How we help SMSF investors
Four steps, each one coordinated with the professionals who advise your fund.
A 15-minute conversation about your goals and where your advice is up to. If you have not yet spoken with your SMSF specialist, we will suggest that first.
Once your advisers confirm property suits the fund, we agree a brief that fits its cash, investment strategy and need to keep money available.
We research markets nationally and run our 20-point due diligence on every shortlisted property, with close attention to rental demand and holding costs.
We negotiate the purchase, then line up the contract and settlement with your solicitor, accountant and any lender, so you are not chasing updates.
Why a buyer’s agent and wealth partner
An SMSF purchase has to fit the fund’s rules and strategy as well as the market. Your SMSF specialist confirms what suits the fund. We research, check and negotiate the property.
It is a paid service, and it does not suit everyone. We confirm our fee with you upfront, and the free discovery call is where we check together that it fits your budget and your plan.
Suburb research, inspections, agent calls and paperwork can take months of evenings and weekends. We carry that work, and you make the decisions.
Our research team studies supply, demand, rents and local conditions nationally, so the shortlist is not limited to the suburbs you already know.
Every shortlisted property goes through our 20-point due diligence checklist, and we coordinate inspections before you are asked to commit.
The selling agent works for the vendor. We negotiate the price and terms for you, with the research behind every offer.
Around 70% of our recent purchases were off-market or pre-market, so the search reaches past what is listed online.
Your Portfolio Wealth Blueprint maps what comes next across residential and commercial property, and we connect you with selected finance, accounting and insurance professionals along the way.
The InvestorKit difference
A property purchase is one step. We help you build a portfolio around your goals, and keep reviewing the plan with you as it grows.
A purchase-only engagement centres on finding a property, negotiating the price and reaching settlement. Your wider portfolio strategy and what comes next sit outside that brief.
The InvestorKit Group works on every stage with you. Start with a plan for your whole portfolio, put it to work through residential and commercial investing, and keep reviewing the plan as your portfolio grows. We connect you with selected finance, accounting and insurance professionals along the way.
Here for one purchase? We can help with that too. Start with the support you need, with room to build a longer-term partnership.
Purchase-only scope shown. Services vary by agency and engagement.
Why InvestorKit
REB Buyer's Agency of the Year, winner 2023, 2024 and 2026.
Strategists, researchers and buyers’ agents work together on every brief. The research team studies markets nationally and publishes its thinking in whitepapers, reports and the book Driving the Data.
No developer commissions and no selling agent referral fees. We confirm our fee with you upfront, so our advice follows your plan.
$2B+ in property purchased for clients, and 850+ five-star Google reviews.
In the conversation
Forbes Australia BrandVoice partner content
On Today Extra
Author of Driving the DataExperience behind the approach
Meet our clientsReal clients
Google reviews from clients who bought property through their SMSF. Individual experiences, not promised or typical results.
They coordinated everything behind the scenes, handling communication between the broker, solicitor, and the various parties involved in the purchase. Instead of juggling multiple people and chasing updates, I had one team keeping everything moving.
A special shout‑out to Anthony for his outstanding support always returning my calls, keeping me updated, and giving me the reassurance I needed. After wanting to invest for two years, the Investorkit team finally made it happen with a fantastic outcome.
A fair question
Yes, within limits. Since 10 August 2026 an SMSF cannot use a new loan to buy residential property, but it can buy with cash in the fund, and it can still borrow for eligible business real property. Whether either suits your fund is a decision for your SMSF specialist or licensed adviser. Once you have that advice, we find, check and buy a property that fits the brief.
Your next step
Tell us where you are and what you want. We will explain how we work and whether we are the right fit. You do not need to be ready to buy.
The discovery call suits people with access to at least $100K in savings or equity, or guarantor support.
Free 15-minute call. No obligation.
850+ five-star Google reviews. REB Buyer's Agency of the Year, winner 2023, 2024 and 2026.
Rules and policy
Current at . General information, not financial, tax or legal advice. Check how any change applies to you with your accountant or adviser.
In forceFederalFrom
Since 10 August 2026, a self-managed super fund cannot enter a new limited recourse borrowing arrangement to buy residential property. New borrowing for real property must be for business real property. Existing arrangements continue, and SMSFs can still buy residential property with cash.
In forceFederalFrom
From 1 July 2026, people with a total super balance above $3 million pay an extra 15% tax on the share of their fund’s realised earnings linked to the balance above $3 million, and a further 10% above $10 million. Unrealised gains are not taxed.
Is this you?
The discovery call suits people with access to at least $100K in savings or equity, or guarantor support.
Your fund has the cash for a residential purchase, or you are weighing commercial property
Your advisers have confirmed property can suit your fund
You want every property selected and checked with extra care
You want one team coordinating the purchase with your professionals
You want your SMSF to take a new loan for a residential property. The law no longer allows it
You want to live in the property or rent it to family. Ask your SMSF specialist about the rules
You want a guaranteed return. Nobody can honestly offer one
Before you decide
Google review
