Using your SMSF to invest in property: What you need to know.

If you’ve ever felt like your borrowing power has hit a wall, you’re not alone. With rising property prices and tighter lending rules, many Australians are looking for smarter ways to grow their property portfolio. One strategy that’s gaining serious traction? Using a Self-Managed Super Fund (SMSF).

Curious about how it works for you? Book a free chat now with the FinancePath team and explore your options.

Let’s break down what that means and why more people are doing it.

What is an SMSF?

A Self-Managed Super Fund is a private superannuation fund that you manage yourself. Unlike traditional super funds, where your money is pooled with thousands of others, an SMSF gives you more control over how your super is invested, including the option to buy property.

Why use an SMSF to buy property?

Here’s where it gets interesting: with an SMSF, you can use your super savings to invest in property. That means you’re not relying solely on your personal income or savings to get into the market; you’re leveraging your super to boost your borrowing power.

This can be especially helpful if:

• You’ve already reached your personal borrowing limit
• You want to diversify your investments
• You’re thinking long-term about retirement wealth

It’s becoming more popular and for good reason.

More Australians are turning to SMSFs to take control of their financial future. With property still seen as a solid long-term investment, using super to buy real estate is becoming a go-to strategy for savvy investors.

And it’s not just for the wealthy. Everyday Aussies are realising that with the right advice and structure, an SMSF can be a powerful tool to grow their retirement savings while building a property portfolio.

What’s the catch?

Like any investment strategy, there are rules and responsibilities. SMSFs come with strict compliance requirements, and borrowing through your super must be done under a specific structure called a Limited Recourse Borrowing Arrangement (LRBA).

That’s why it’s important to get the right advice before jumping in.

Is it right for you?

If you’re curious about whether an SMSF could help you unlock more borrowing power and invest in property, the FinancePath team is here to help. We’ll walk you through the pros, cons, and whether it fits your financial goals.

Want to explore your options?

Let’s chat about how your super could work harder for you, without the jargon.