21/05/2026
Can I use my super to buy an investment property?
Yes, and once you understand the structure it's more straightforward than you'd expect.
An SMSF allows you to take control of where your retirement savings are invested and property is one of the strongest assets you can hold inside that structure.
Inside super: rental income is taxed at a concessional rate. Capital gains after holding for over a year are reduced significantly.
If you sell once the fund enters the pension phase, capital gains tax can drop to zero.
Outside super: the same rental income is taxed at your full marginal rate. Gains are taxed higher. There's no pension phase shelter available.
Your SMSF can borrow to purchase property through a specific lending arrangement. You don't need the full price sitting in cash, and the detail that shifts everything: the investment runs entirely inside the fund. Rental income and your existing super contributions handle the repayments. Nothing changes in your weekly pay.
If you've been curious about what your superannuation could do, give me a call to discuss options.
