Buying Property in SMSF

Yes — you can buy property through your super. But only if you do it right.

Our Specialty

Buying property inside a Self-Managed Super Fund (SMSF) can be a powerful long-term wealth strategy — especially for business owners wanting to own their premises, or investors looking to build retirement assets in a protected, tax-effective environment. But the rules are complex, the penalties are harsh, and getting it wrong can be catastrophic.

That’s where we come in.

At Fairway Financial, we’ve helped clients confidently navigate the legal and tax landscape of SMSF property — whether it’s a commercial property for their business or residential property to build retirement wealth. We know the rules, the traps, the tax outcomes, and how to make the numbers stack up.

What We Help With:

Is SMSF property right for you?
We start with your goals — not just your balance. We assess your long-term strategy, risk profile and current structures to determine whether purchasing property inside super makes sense for you. If a better path exists, we’ll say so.

Structure & Setup
From SMSF establishment to bare trusts and corporate trustees, we handle all the necessary structuring to ensure your purchase is legally compliant and audit-ready.

Borrowing Within Super (LRBAs)
We guide you through Limited Recourse Borrowing Arrangements (LRBAs), work closely with lenders, and make sure your loan and structure meet ATO and SIS Act requirements.

Compliance & Tax
We handle:

  • Annual SMSF tax returns & financials
  • Audit coordination
  • CGT planning & deduction strategies
  • Contributions & pension considerations
  • Superannuation reforms and ongoing compliance advice

Ongoing Guidance
We stay close. When changes come up — a new tenant, a renovation, a sale — we’re your first call. We ensure every decision fits your fund’s purpose and meets compliance obligations.

Working as a Team
‍We collaborate with your financial planner, mortgage broker, and legal advisers to get the transaction across the line — without crossed wires or compliance delays. You stay focused on the opportunity while we bring the structure, strategy and execution together behind the scenes.

The Risks Are Real — But So Are the Rewards
‍With the right advice, SMSF property can deliver:

  • Tax-effective income and capital gains
  • Long-term asset protection
  • •Control over how and where your super is invested
  • Strategic ownership of business premises through your super fund

But this strategy isn’t for everyone — and it’s not a DIY job. You need a team that understands the regulations, plans ahead, and stays involved.

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It’s your super. Let’s make it work harder for you — the right way. Good developers don’t go it alone. They build with a team that understands the game.When you’re on the tools, we’re on the numbers.