money money money 837b buying a property with your super + SMSF Q&A
Sep 17, 2025
Explore the ins and outs of managing a self-managed super fund (SMSF) to buy property. Discover when it's suitable to set one up, from complex fees to ongoing management. Glen shares his personal journey buying a commercial unit, covering costs and cash flow. Learn about trustee duties, compliance, and the critical investment strategies needed to keep your SMSF on track. Plus, get insights into transitioning to a retail fund during retirement and the pitfalls to avoid!
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Glen Bought A Commercial Unit In SMSF
- Glen set up his SMSF to buy a commercial unit that his company now rents from the fund.
- He emphasises he wouldn’t have created the SMSF if he wasn’t a business owner with that commercial need.
Follow Property Rules And Expect Higher Costs
- You cannot live in an SMSF-owned residential property or sell existing residential property into your SMSF.
- Plan for higher interest rates, larger deposits and limited lenders when borrowing inside super (LRBA rules).
Budget For Upfronts And Ongoing Shortfalls
- Budget for stamp duty, lender valuation fees and a 20–30% deposit when buying property with super.
- Ensure rent covers repayments or accept ongoing contributions will be eaten by holding costs.
