SJ Mortgage Solutions

15/03/2026

Ten property markets identified as future growth hotspots in 2026

Ten property markets across four states have been identified as offering strong long-term capital growth potential. According to a new report from property research firm Hotspotting, the list includes locations in Queensland, New South Wales, Victoria, and Tasmania.

Ten property markets across four states have been identified as offering strong long-term capital growth potential. According to a new report from property research firm Hotspotting, the list includes locations in Queensland, New South Wales, Victoria, and Tasmania. Inner Brisbane and the Sunshin

28/11/2025

From 5 December 2025, the Australian Government Help to Buy Scheme will be open for applications. The Australian Government Help to Buy Scheme is a new initiative designed to support more Australians to buy a home.
www.sjmortgagesolutions.com.au/blog/governments-help-to-buy-scheme-set-to-begin-8dxpx

03/07/2025

What are the new schemes to support Australian residents buying their frist home from July, 2025?

19/05/2025

സൂപ്പർ ഫണ്ട് ഉപയോഗിച്ച് പ്രോപ്പർട്ടി മേടിക്കുന്നവർ അറിയേണ്ട ആറു കാര്യങ്ങൾ

സൂപ്പർ ഫണ്ടുകൾ (SMSF) ഓസ്ട്രേലിയൻ  പ്രവാസികളായ നമ്മളെ സംബന്ധിച്ചടത്തോളം  നമ്മുടെ retirement സമയത്തു കൂടുതൽ സാമ്പത്തി...

18/05/2025

6 things to know about SMSFs and property

Self-Managed Super Funds (SMSFs) offer Australians greater control over their retirement savings, and property investment is one way people can take advantage of this flexibility. But before diving in, it's important to understand the key factors that come into play.

Here are six considerations when exploring SMSF with property.

1. You can borrow, but there are restrictions
SMSFs can use loans to purchase property through a Limited Recourse Borrowing Arrangement (LRBA). However, lending criteria is stricter than standard home loans, and not all banks offer SMSF loans. Borrowing capacity is assessed based on the SMSF's income, not personal income, which may limit loan options.

2. Rental income and tax benefits can help
Rental income from SMSF-owned properties is taxed at a concessional rate of 15%, which is lower than most individual income tax rates. If the SMSF is in the pension phase, rental income may even be tax-free. Capital gains tax (CGT) is also reduced if the property is held for more than 12 months.

3. Your super fund must meet compliance rules
SMSF trustees must follow strict rules, including ensuring the investment aligns with the fund’s documented investment strategy. The Australian Taxation Office (ATO) also requires annual audits and compliance with superannuation laws. Failing to meet these obligations can result in financial penalties.

4. You can't live in the property
One of the main rules for SMSF property investment is that the property must be for investment purposes only. It cannot be lived in by the SMSF members or their relatives. This applies to both residential and commercial properties, making sure the asset is used solely as an investment.

5. Commercial property can be used for business
SMSFs can purchase commercial properties and lease them to a related business, provided it is done at market rates. This strategy can be particularly beneficial for business owners, allowing them to pay rent directly to their SMSF rather than a third-party landlord.

6. Liquidity and diversification are important
Property is an illiquid asset, meaning it can be difficult to sell quickly if the SMSF needs cash. It’s important to make sure you balance property investments with other assets such as shares, cash, or managed funds to ensure the fund has enough liquidity to meet expenses; for instance, pension payments for retired members.

Investing in property through a SMSF can be a great wealth-building strategy, but it’s not for everyone. It requires planning, and compliance with regulations. Speaking to an experienced mortgage broker and financial adviser can help determine whether it will be a fit with your personal and retirement goals.

If you need a free consultation to discuss further, please contact SJ Mortgage Solutions - 0401227514 .com.au

18/05/2025

https://www.sjmortgagesolutions.com.au/blog/government-expands-help-to-buy-scheme-with-higher-caps

‘Help to Buy’ shared equity housing scheme: The federal government is significantly expanding its ‘Help to Buy’ shared equity housing scheme by raising income and property price caps to make homeownership more accessible to Australians.

The federal government is significantly expanding its ‘Help to Buy’ shared equity housing scheme by raising income and property price caps to make homeownership more accessible to Australians. Under the expanded program, income thresholds will increase from $90,000 to $100,000 for singles and fr...

03/05/2025

24/01/2025

6 tips for grabbing a New Year car bargain

The start of a new year presents one of the best opportunities to secure a bargain on both new and used vehicles.  While many people are off on holiday, you can use this opportunity to grab a great deal on a car in 2025.  Here’s how to navigate the car-buying process and secure a

24/01/2025

‘Help to Buy’ scheme: The Australian Federal Government has unveiled its ambitious ‘Help to Buy’ scheme, designed to make homeownership more accessible for low and middle-income Australians.

The Australian Federal Government has unveiled its ambitious ‘Help to Buy’ scheme, designed to make homeownership more accessible for low and middle-income Australians through a co-purchasing model.  The initiative, set up to support 40,000 buyers over the next four years, aims to address

29/10/2024

Refinancing your home loan can be a great way to save money, but it’s important to avoid common pitfalls. Understanding what your goals are and how refinancing can help is important, so you don’t fall into the trap of refinancing for no reason. Here are six traps to watch out for:

Refinancing your home loan can be a great way to save money, but it’s important to avoid common pitfalls. Understanding what your goals are and how refinancing can help is important, so you don’t fall into the trap of refinancing for no reason. Here are six traps to watch out for: Falling for th...

16/08/2024

Six key factors to consider when choosing an investment property this Spring

With Spring selling season just around the corner, it can be a great time for buyers to find an investment property. However, selecting the right investment property requires careful consideration of several factors. Here are six things to look out for when choosing an investment property: Capit