Whether you already own an investment property or you're ready to buy your first one — your super can help. SMSF property investment is simpler than you think.
Legislation passed in June 2026 bans self managed super funds from entering new limited recourse borrowing arrangements for residential property from Monday 10 August 2026. Three things are unchanged:
1. Contracts exchanged before 10 August are protected, even if settlement happens after that date. If a residential purchase inside your SMSF is on your plan, the contract date is what matters.
2. Existing SMSF loans are grandfathered, and so is refinancing them. If your fund already holds a geared residential property, you can still refinance to a sharper rate through us.
3. Commercial property is not affected. Business premises and other commercial security can still be purchased through an SMSF borrowing arrangement after the ban begins.
This is general information about a legislative change, not financial or tax advice. Whether an SMSF or any investment inside it suits you is a decision for you with a licensed financial adviser; our role is the lending.
You've worked hard for your super. But cash returns are low, and you're missing out on property wealth-building.
With interest rates low, your super isn't growing. Property investors know better returns are possible.
You own your home but haven't invested yet. Your super could be your ticket to property wealth.
You don't know where to start. The rules feel overwhelming. But it doesn't have to be.
That's potentially $217K+ more in your retirement wealth
Your super could be buying property right now. The question is: why isn't it?
Specialist SMSF accountants handle setup, compliance, tax returns, and ongoing administration.
Licensed financial planners structure your strategy to maximise returns and minimise risk.
Legal professionals set up trusts, contracts, and ensure full ATO compliance.
We partner with property specialists to find investment-grade properties that meet SMSF requirements.
One team. One goal — your property wealth.
"We had $200k in super doing nothing. Then Tanveer showed us how our SMSF could buy property. Now we're building real wealth for retirement."
Book 30 minutes. No obligation. We'll figure out if SMSF property works for you.
Or email info@xcelcorp.com.au
