Note: SMSF residential borrowing rules changed 10 August 2026. Existing LRBAs grandfathered, commercial LRBA still available. See the full update →
Worked Examples

See what your super could actually buy.

Real property packages, structured through SMSF/Unit Trust, with every number broken down against typical Australian households. Then find out where you fit in 3 minutes.

SMSF/Unit Trust structure · LRBA banned for residential from 10 Aug 2026 · Residential brand new property only
The Structure

How buying property through your SMSF actually works.

Three moving parts. Once they're set up right on day one, the rest is execution. The full detail lives on the pillar page.

1

Set up the structure

SMSF or unit trust, a bare trust that holds the property, and a corporate trustee. All setup handled by licensed specialists and funded from your super.

2

Super funds deposit + costs

Your super balance provides the deposit, stamp duty, and setup cost. The bank lends the rest against the property. No cash from your personal savings.

3

Rent + super pays it down

Rental income and ongoing super contributions cover repayments. The property sits inside super and grows tax-preferentially over time.

Typical Client Profiles

Every example below is calculated against these two households.

The Mum & Dad profile is a working couple in their mid-40s with one existing mortgage and moderate super. The Higher-Income profile is two established professionals with a bigger super balance. Your own numbers will differ, so every example has a button to run against your actual situation.

Profile 1

Mum & Dad

Established household, one existing home loan, mid-range super.

Household income$170,000 / yr
Dependents1
Existing home / loan$850,000 / $450,000
Home loan repayment$2,800 / mo
Super combined$300,000
Living expenses$6,500 / mo
SMSF loan rate7.1% + 3% buffer
LVR / Term80% / 30 yrs
Profile 2

Higher-income earners

Two established professionals, larger super base, larger existing home loan.

Household income$300,000 / yr
Dependents2
Existing home / loan$1,500,000 / $700,000
Home loan repayment$4,500 / mo
Super combined$600,000
Living expenses$9,000 / mo
SMSF loan rate7.1% + 3% buffer
LVR / Term80% / 30 yrs
Real Examples

Property you can actually buy through SMSF structures.

These are standard house-and-land packages at normal market pricing. Same builders, same prices, same estates that any Australian buyer can purchase. There's no SMSF markup, no exclusive-lot premium, no inflated valuation. What changes is the ownership structure and how you fund the deposit, not what you pay for the property.

Every card shows the numbers against both client profiles. When you're ready to see what your own numbers say, click "Can I afford this?" and answer a short fact-find.

3 examples
House & Land Titled

House & Land

Diggers Rest, VIC
$638,367
$465/wk rental estimate
🛏 3 🛁 2 🚗 1 Land 230m² House 118m²
Numbers against each profile
Mum & Dad ✓ Super covers it
Deposit (from super)$127,673 Loan required$510,694 Weekly rent$465/wk Remaining super balance after costs$98,777
Higher-income earners ✓ Super covers it
Deposit (from super)$127,673 Loan required$510,694 Weekly rent$465/wk Remaining super balance after costs$398,777
Can I afford this? →
Duplex Expected Titled · Q1 2027

Duplex

Bellbird, NSW
$1,432,855
$1,200/wk rental estimate
🛏 4+4 🛁 2+2 🚗 1+1 Land 709m² House 308m²
Numbers against each profile
Mum & Dad ✗ Super short
Deposit (from super)$286,571 Loan required$1,146,284 Weekly rent$1200/wk Remaining super balance after costs$-65,331
Higher-income earners ✓ Super covers it
Deposit (from super)$286,571 Loan required$1,146,284 Weekly rent$1200/wk Remaining super balance after costs$234,669
Can I afford this? →
House & Land Expected Titled

House & Land

Yarrabilba, QLD
$885,400
$700/wk rental estimate
🛏 4 🛁 2 🚗 2 Land 313m² House 165m²
Numbers against each profile
Mum & Dad ✓ Super covers it
Deposit (from super)$177,080 Loan required$708,320 Weekly rent$700/wk Remaining super balance after costs$48,530
Higher-income earners ✓ Super covers it
Deposit (from super)$177,080 Loan required$708,320 Weekly rent$700/wk Remaining super balance after costs$348,530
Can I afford this? →
Next Step

Ready to see what your super can actually do?

A 30-minute strategy call is the fastest way to know whether an SMSF property strategy fits your situation, and if it does, which of the structures above suits you best.

Book a strategy call
General information only. These figures are indicative estimates for illustration and do not constitute personal financial, tax, or credit advice. Your actual numbers depend on your specific situation. Book a strategy call to see how the numbers apply to you, structured against your verified income, super and lender requirements with licensed brokers and SMSF specialists.