05/03/2026
Finally settled this property today 🎉
Every property transaction comes with its own challenges and learning experiences. This time the buyer purchased the property through an SMSF (Self Managed Super Fund), which made the process more complex than a standard purchase.
Originally the buyer planned to complete the purchase with SMSF finance, however the loan process unfortunately did not go smoothly due to issues with the finance broker. The deal almost fell through during the process.
Fortunately, the buyer decided to proceed with a cash settlement, and we were able to complete the transaction successfully in the end.
SMSF property purchases are quite common in Australia, but they involve a much more complex structure compared to a standard residential purchase. It usually requires coordination between experienced brokers, accountants and lawyers to ensure everything runs smoothly.
A few important things to keep in mind when purchasing property through SMSF:
• The property must be purely for investment purposes (cannot be owner-occupied）
• Usually requires a Bare Trust / LRBA structure
• Loan-to-value ratio is typically lower than standard lending
• The SMSF must have sufficient cash flow to cover loan repayments and expenses
• Major renovations are generally not allowed during the loan period
Every transaction is a valuable learning experience. I’m glad we were able to navigate the challenges and successfully complete settlement.
If you‘re considering investing in Australian property through SMSF, feel free to reach out and have a chat.
