Simply Wealth

02/09/2026

If you've been considering using your SMSF to invest in property, a major rule change from August 2026 makes commercial the strategy to understand now.

1. New SMSF residential property loans have been banned.
From 10 August 2026, an SMSF can no longer take out a new loan (an LRBA) to buy a residential investment property. Your fund can still buy residential property outright with cash — just not by borrowing.

2. Commercial property borrowing remains fully open.
SMSFs can still use an LRBA to borrow for business real property — commercial or industrial premises used wholly and exclusively in a business. This pathway wasn't touched by the reform.

3. It's a well-worn strategy for business owners.
A common approach is having your SMSF buy your business's own premises and lease it back to you at market rent — legal, common, and unaffected by the changes.

4. Existing arrangements are grandfathered.
If your fund already holds a residential property under an LRBA, nothing changes — you're not required to sell or unwind anything, and the concessional tax treatment continues as before.

5. Timing matters if you were mid-decision.
The date that counts is your contract date, not settlement — contracts exchanged before 10 August 2026 fall under the old rules. Anything after follows the new commercial-only framework.

💡 SMSF property investment hasn't closed — it's been redirected. Commercial property inside super, done properly, is very much still on the table.

Contact my team directly! We're here to help you find the right Melbourne property strategy.
WhatsApp us here: https://wa.me/61468175628
Learn more at www.simplywealthgroup.com.au

02/09/2026

02/09/2026

Fewer approvals today means fewer new-build options tomorrow. If a new home is part of your plan, this is worth knowing now.

New ABS data shows private house approvals just had their worst month since 2024, down 4.2% in July. The government's target of 1.2 million new homes by 2029 is looking increasingly out of reach — and that has a very direct flow-on effect for anyone hoping to buy new rather than compete for existing stock.

Here's why this matters if you're a first home buyer:

🏗️ Fewer approvals now means fewer house-and-land packages and new builds available in the next few years — less choice at exactly the entry level many first home buyers target
🏗️ Rising construction and labour costs are pushing up the price of what does get built, making new-build affordability tighter over time, not easier
🏗️ With the established market also facing investor pullback and price softness, the new-build lane — where government incentives like Help to Buy and negative gearing carve-outs still apply — is becoming a genuinely more competitive space to secure a spot in

The irony here is real: policy has made new-build ownership more attractive on paper, at the exact moment fewer new builds are actually entering the pipeline. That combination means the window to lock in a new-build purchase, land package, or off-the-plan contract before the options thin out further is narrower than it looks.

If building or buying new has been part of your plan, this is the moment to have that conversation — not after the shortage tightens further.

📲 WhatsApp us here: https://wa.me/61468175628
📞 1300 074 675
🌐 www.simplywealthgroup.com.au

Source: Australian Broker, ABS

02/09/2026

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📲 WhatsApp us here: https://wa.me/61468175628
📞 1300 074 675
🌐 www.simplywealthgroup.com.au

02/09/2026

Most Australians never touch their super until retirement — but a Self-Managed Super Fund (SMSF) puts you in the driver's seat, including the option to invest in property.

1. You control where your super is invested.
Instead of your fund sitting in a managed portfolio you don't choose, an SMSF lets you and your fellow trustees decide exactly what it invests in — including direct property.

2. Your super can buy property — the rules just changed on how.
Your fund can still buy residential or commercial property outright with cash. But as of 10 August 2026, new borrowing (an LRBA) inside an SMSF is only available for commercial property — new residential property loans through super are no longer possible.

3. It comes with real tax advantages.
Income earned within an SMSF is generally taxed at a maximum of 15%, and depending on how long it's held, capital gains can be taxed even lower once you're in retirement phase.

4. Commercial property has become the go-to strategy for many business owners.
A common approach: your SMSF buys your business's own premises and leases it back to you at market rent — a long-standing, unaffected strategy that's now even more relevant.

5. If you already hold residential property in your SMSF, nothing changes.
Existing arrangements are grandfathered under the old rules — this shift only affects new borrowing going forward.

6. It's not a DIY-it-alone strategy.
SMSFs come with compliance obligations, a required trust structure, and now a more important distinction between residential and commercial borrowing. Getting the setup right from the start matters more than ever.

💡 The question isn't "should my super just sit there?" — it's "could it be working harder for my retirement, on my terms, within the current rules?"

Contact my team directly! We're here to help you find the right Melbourne property strategy.
WhatsApp us here: https://wa.me/61468175628
Learn more at www.simplywealthgroup.com.au

01/09/2026

📘 Data Centres Are Reshaping Melbourne's Outer Suburbs — Here's What It Means for Property

You might not think a data centre has anything to do with your investment property. In parts of Melbourne, it increasingly does.

1. Melbourne is now Australia's fastest-growing data centre hub.
With a committed and under-construction pipeline of nearly 935MW, Melbourne accounts for close to three-quarters of all data centre developments currently being built across the country.

2. Most of it is concentrated in specific corridors.
Melbourne's western industrial precincts — areas like Truganina and Laverton — and the northern corridor around Campbellfield are seeing the heaviest activity, with billions of dollars in projects lodged or underway.

3. This kind of development tends to upgrade infrastructure around it.
Large-scale builds like these often drive improvements to roads, power, and telecommunications infrastructure — upgrades that also benefit surrounding residential areas, not just the site itself.

4. Jobs and economic activity follow the investment.
Victoria's tech sector already contributes over $34 billion to the state economy and supports 300,000+ workers — data centre construction and operation adds to that employment base in the surrounding region.

5. It's a factor to watch, not a guarantee.
Not every proposal gets built, and some — like the Campbellfield project — have faced local opposition over noise, environmental impact, and limited direct job creation. It's one signal among many, not a reason to buy on its own.

💡 Big infrastructure investment nearby doesn't automatically mean property growth — but it's exactly the kind of activity worth watching in suburbs you're already considering.

Contact my team directly! We're here to help you find the right Melbourne property strategy.
WhatsApp us here: https://wa.me/61468175628
Learn more at www.simplywealthgroup.com.au

01/09/2026

Approvals just fell again. Every month supply falls further behind, the case for waiting gets weaker, not stronger.

New ABS data confirms it: total dwelling approvals dropped 3.6% in July to 17,687 — with private house approvals down 4.2%, the largest monthly decline in that series since 2024, according to ANZ. The value of new residential building approved fell 4.9% to $11.26 billion.

Here's why this matters if you're deciding when to buy:

📉 The government's target of 1.2 million new homes by 2029 is looking "increasingly difficult to achieve" as fewer projects enter the construction pipeline
📉 Higher interest rates and inflation are pushing construction and labour costs up, making it harder for builders to bring new supply online
📉 Markets are speculating about further RBA hikes, after the latest inflation reading came in above target — meaning the pressure on construction costs isn't easing yet

This is the structural story that doesn't get fixed in a single news cycle. Approvals today become completed homes years from now — and every month they keep falling, the gap between how many homes Australia needs and how many are actually being built keeps widening.

Waiting for "more supply to bring prices down" isn't a strategy right now — it's a bet against a target the data itself says is slipping further away. The buyers who move while this shortage keeps building are the ones ahead of a supply problem that has no quick fix.

📲 WhatsApp us here: https://wa.me/61468175628
📞 1300 074 675
🌐 www.simplywealthgroup.com.au

Source: Australian Broker, ABS

01/09/2026

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🛏️ 4 Bedrooms
🛁 2 Bathrooms
🚗 2 Car Garage
📐 Land Size: 294m²
🏠 House Size: 178.39m²

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With the title in hand, this Donnybrook turnkey package is ready to move forward — perfect for families and investors who want certainty and a faster path to build.

📲 WhatsApp us here: https://wa.me/61468175628
📞 1300 074 675
🌐 www.simplywealthgroup.com.au

31/08/2026

🚨 TURNKEY PACKAGE — BEVERIDGE 🚨

Ready July 2027! 🏡

A spacious home with a private courtyard, alfresco, and family/meals living zones throughout.

🛏️ 4 Bedrooms
🛁 2 Bathrooms
🚗 2 Car Garage
📐 Land Size: 303m²
🏠 House Size: 18.69sq

💰 $679,400

This Beveridge turnkey package delivers a sleek kitchen, stylish bathroom, and a functional layout with alfresco living — perfect for families and investors alike.

📅 Locked in for July 2027 completion — enquire today to secure it.
📲 WhatsApp us here: https://wa.me/61468175628
📞 1300 074 675
🌐 www.simplywealthgroup.com.au