Concierge: Ask, and Get Grounded Answers
Plain-English answers on business and property finance, trust and company structures, and super, with the source behind every answer. General information, never personal advice.
Key takeaways (updated September 2026)
- From 10 August 2026 a self-managed super fund can’t take out a new loan to buy residential property. Loans already in place carry on.
- A fund can still buy residential property with its own cash, and can still borrow to buy commercial property that is used in a business.
- A fund with part of a property’s price in cash can own that part alongside a family trust. How that works.
- 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 concierge answers questions like these as general information, cited to source. For your own situation, book a call with Juan.
Ask it about property, business finance and super
The concierge answers general questions in plain English and shows you the source behind every answer. People ask it things like:
- What changed for SMSF borrowing on 10 August 2026?
- Can a super fund and a family trust buy one property together?
- How does a dual-key (dual-income) property work inside an SMSF?
- Can my super fund still borrow to buy business premises?
- Why do investors use new-build property inside a self-managed super fund?
- How do I set up the books so a lender can read my business?
- How is borrowing arranged across a family’s trusts and companies?
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 business and commercial finance, property held in trusts and companies, super funds and property, dual-key and dual-income property, new-build strategy, and borrowing across entities. It stays within that scope and tells you when a question is outside it.
Frequently asked questions
What is the Concierge?
It is an automated assistant that answers general questions about business and property finance, structures and super, drawing 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. For your own circumstances, book a call with Juan.
Can an SMSF still borrow to buy property?
For commercial property used in a business, yes. For residential property, no new loans from 10 August 2026, though loans already in place continue. A fund can still buy residential property with its own cash, including a share owned alongside a family trust. How that works. Whether an SMSF suits you is a question for a licensed financial adviser.
Can a super fund and a family trust own one property?
Yes, it can be done, with the fund paying its own cash for its share. The rules around it are strict, so it has to be designed for your family with your accountant, an SMSF lawyer and a licensed financial adviser. Book a call to talk it through.
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,