SMSF Concierge — Ask, and Get Grounded Answers
Instant, source-backed answers on SMSF property, borrowing, tax and credit structuring — drawn from Healthy Wealthy Investor’s published education. General information, cited, never personal advice.
Key takeaways (updated July 2026)
- Yes — a self-managed super fund can still borrow to buy property using a Limited Recourse Borrowing Arrangement (LRBA); the recent government changes did not remove SMSF borrowing.
- Division 296 changes the tax on very large super balances (broadly above $3 million) — it affects tax on earnings for those balances, not the ability of an SMSF to borrow.
- A dual-key (dual-income) property has two self-contained dwellings on one title, producing two rental streams from a single purchase, which can improve yield.
- The HWI SMSF Concierge answers questions like these as general information, cited to source. Personal advice is provided by Juan Jeffery — SMSF Credit Structuring Specialist (Australian Credit Representative 464548; ACL 384704, Finsure) — on a call.
Ask it anything about SMSF property and finance
The concierge answers general questions in plain English and shows you the source behind every answer. People ask it things like:
- Can you still borrow inside an SMSF after the recent government changes?
- What is Division 296 and whose super balances does it affect?
- How does a dual-key (dual-income) property work inside an SMSF?
- What is a Limited Recourse Borrowing Arrangement (LRBA)?
- Why do investors use new-build property inside a self-managed super fund?
- What lenders and structures are involved in an SMSF property purchase?
- How is credit structured across entities for an SMSF new-build?
What the concierge covers
It draws only on Healthy Wealthy Investor’s published material — legislation, guides, the Structure Beats Prediction book, newsletters and articles — across SMSF borrowing and Limited Recourse Borrowing Arrangements, Division 296 and tax inside super, dual-key and dual-income property, new-build strategy, credit structuring across entities, and the general rules that shape an SMSF property purchase in Australia. It stays within that scope and tells you when a question is outside it.
Frequently asked questions
What is the SMSF Concierge?
It is an automated assistant that answers general questions about SMSF property, borrowing, tax and credit structuring, drawing only on Healthy Wealthy Investor’s published education and citing its sources. It provides general information — it does not give personal financial or credit advice.
Is this personal financial or credit advice?
No. The concierge gives general information only and does not consider your objectives, situation or needs, and is not a credit representative. For advice on your own circumstances, you can book a call with Juan, who can assess your situation.
Can you still borrow to buy property inside an SMSF?
Generally, yes — a self-managed super fund can borrow to buy property using a Limited Recourse Borrowing Arrangement (LRBA). Whether it suits your fund and circumstances is a personal question best answered on a call.
What is Division 296?
Division 296 is a measure affecting the tax treatment of very large superannuation balances (broadly, above $3 million). It changes the tax on earnings attributable to those balances; it does not remove the ability of an SMSF to borrow to buy property.
How does a dual-key property work in an SMSF?
A dual-key (dual-income) property contains two self-contained dwellings under one title, producing two rental streams from a single purchase — which can improve yield. How it fits a particular SMSF strategy is a matter for personal advice.
How do I get advice for my own situation?
Book a discovery call with Juan. The concierge is there for general understanding; a call is where your specific circumstances are reviewed.
General information only — not personal financial or credit advice. The HWI assistant does not consider your objectives, situation or needs, and is not a credit representative.