Category: SMSF Strategy
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Where Leverage Goes Now: Borrowing for Property Outside Super After the 2026 LRBA Change
The 2026 change closed new SMSF residential borrowing. It did not remove your borrowing capacity – it moved it. Five ways leverage behaves differently outside the fund, and what you trade for it.
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The 10 August SMSF Borrowing Change: The Deadline Isn’t When You Think
From 10 August 2026 an SMSF can only borrow for property that is business real property. What the ATO guidance actually says, and the deadline that really matters.
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What SMSF Credit Structuring Actually Is (And Why It’s Not the Same as Getting an SMSF Loan)
SMSF credit structuring is the architecture behind the loan: the borrowing vehicle, buffer, sequence, and how it sits against Division 296. Why it is not the same as getting an SMSF loan.
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How Much Does an SMSF Property Really Cost – and How Much Super Do You Need?
There is no legislated minimum super to buy SMSF property. There is a practical floor set by the deposit, stacked costs, and a genuine buffer. Here is how the number is actually built.
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What Can Your SMSF Actually Do With an LRBA Property? The Rules, Plainly
What an SMSF can and cannot do with an LRBA property: one single acquirable asset, no related-party use, repair and maintain with borrowed money but never improve. The ATO rules, plainly.
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The SMSF LRBA Deadline: What Triggers Grandfathering, and Do You Still Have Time?
SMSF LRBA grandfathering turns on the contract exchange date, not settlement, and commencement is about 45 days after Royal Assent. If you are mid-purchase, the date on your contract decides everything.
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Can an SMSF Still Borrow to Buy Property After the 2026 LRBA Changes?
The 2026 change restricted new residential LRBA borrowing – it did not ban SMSF property. Four routes survived, grounded in Schedule 5 of the Act itself. Updated for the ATO’s 28 July guidance.
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3 Reasons Why Now May Be the Time to Consider a Commercial Loan
Discover three compelling reasons Australian business owners should consider commercial property loans now, including NAB survey insights and growth funding strategies.
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Why is Australia unique in private finance for property?
Explore why Australia’s private finance landscape is unique for property investment, from SMSF structures to small business lending and government incentives.
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Why I Believe Property Investment Through Super Funds Will Outperform Industry Funds
Why SMSF property investment can outperform industry super funds for Australian professionals seeking control, tax efficiency and tangible retirement assets.