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

Your SMSF and a unit trust are established, with a corporate trustee. The unit trust owns the property and your SMSF holds units in it. All setup handled by licensed specialists and funded from your super.

2

Super funds deposit + costs

Your super balance provides the deposit (typically 20 to 30%), stamp duty, and setup cost. The loan sits in the unit trust, not your fund, and covers the rest. No cash from your personal savings.

3

Rent + super pays it down

Rental income and ongoing super contributions cover the principal-and-interest repayments. The property sits inside the structure 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.

14 examples
Rooming House Titled

Rooming House

Winter Valley, VIC
$805,500
$1,250/wk rental estimate
🛏 5 🛁 5 🚗 2 Land 480m² House 205m²
Numbers against each profile
Mum & Dad
✓ Within reach
Deposit (from super)$161,100 Loan required$644,400 Weekly rent$1250/wk Remaining super balance after costs$67,330
Higher-income earners
✓ Within reach
Deposit (from super)$161,100 Loan required$644,400 Weekly rent$1250/wk Remaining super balance after costs$367,330
Can I afford this? →
Rooming House Titled

Rooming House

Legana, TAS
$943,421
$1,125/wk rental estimate
🛏 1+1+1+1+1 🛁 1+1+1+1+1 🚗 0+0+0+0+0 Land 710m² House 240m²
Numbers against each profile
Mum & Dad
✓ Within reach
Deposit (from super)$188,684 Loan required$754,737 Weekly rent$1125/wk Remaining super balance after costs$44,281
Higher-income earners
✓ Within reach
Deposit (from super)$188,684 Loan required$754,737 Weekly rent$1125/wk Remaining super balance after costs$344,281
Can I afford this? →
Townhouse Expected Titled

Townhouse

Pallara, QLD
$981,000
$850/wk rental estimate
🛏 4 🛁 3 🚗 2 Land 178m² House 186m²
Numbers against each profile
Mum & Dad
✓ Within reach
Deposit (from super)$196,200 Loan required$784,800 Weekly rent$850/wk Remaining super balance after costs$8,130
Higher-income earners
✓ Within reach
Deposit (from super)$196,200 Loan required$784,800 Weekly rent$850/wk Remaining super balance after costs$308,130
Can I afford this? →
House & Land Titled

House and Land

Gagebrook, TAS
$642,379
$550/wk rental estimate
🛏 3 🛁 2 🚗 2 Land 530m² House 119m²
Numbers against each profile
Mum & Dad
✓ Within reach
Deposit (from super)$128,476 Loan required$513,903 Weekly rent$550/wk Remaining super balance after costs$107,614
Higher-income earners
✓ Within reach
Deposit (from super)$128,476 Loan required$513,903 Weekly rent$550/wk Remaining super balance after costs$407,614
Can I afford this? →
House & Land Expected Titled · Late 2026

House & Land

Murray Bridge, SA
$704,900
$550/wk rental estimate
🛏 4 🛁 2 🚗 2 Land 489m² House 175m²
Numbers against each profile
Mum & Dad
✓ Within reach
Deposit (from super)$140,980 Loan required$563,920 Weekly rent$550/wk Remaining super balance after costs$91,565
Higher-income earners
✓ Within reach
Deposit (from super)$140,980 Loan required$563,920 Weekly rent$550/wk Remaining super balance after costs$391,565
Can I afford this? →
House & Land Completed

Completed Home

Manor Lakes, VIC
$677,350
$500/wk rental estimate
🛏 3 🛁 1 🚗 2 Land 206m² House 134m²
Numbers against each profile
Mum & Dad
✓ Within reach
Deposit (from super)$135,470 Loan required$541,880 Weekly rent$500/wk Remaining super balance after costs$70,319
Higher-income earners
✓ Within reach
Deposit (from super)$135,470 Loan required$541,880 Weekly rent$500/wk Remaining super balance after costs$370,319
Can I afford this? →
House & Land Expected Titled

House & Land

Coral Cove, QLD
$866,630
$750/wk rental estimate
🛏 4 🛁 2 🚗 2 Land 604m² House 188m²
Numbers against each profile
Mum & Dad
✓ Within reach
Deposit (from super)$173,326 Loan required$693,304 Weekly rent$750/wk Remaining super balance after costs$57,954
Higher-income earners
✓ Within reach
Deposit (from super)$173,326 Loan required$693,304 Weekly rent$750/wk Remaining super balance after costs$357,954
Can I afford this? →
House & Land Expected Titled · Q2 2027

House and Land

Suttontown, SA · Limestone
$610,000
$550/wk rental estimate
🛏 3 🛁 2 🚗 1 Land 460m² House 128m²
Numbers against each profile
Mum & Dad
✓ Within reach
Deposit (from super)$122,000 Loan required$488,000 Weekly rent$550/wk Remaining super balance after costs$92,120
Higher-income earners
✓ Within reach
Deposit (from super)$122,000 Loan required$488,000 Weekly rent$550/wk Remaining super balance after costs$392,120
Can I afford this? →
Duplex Titled

Duplex

Delacombe, VIC
$1,103,000
$1,200/wk rental estimate
🛏 3+3 🛁 3+3 🚗 1+1 Land 400m² House 291m²
Numbers against each profile
Mum & Dad
✓ Within reach
Deposit (from super)$220,600 Loan required$882,400 Weekly rent$1200/wk Remaining super balance after costs$7,830
Higher-income earners
✓ Within reach
Deposit (from super)$220,600 Loan required$882,400 Weekly rent$1200/wk Remaining super balance after costs$307,830
Can I afford this? →
Duplex Expected Titled · 31/03/2027

Duplex

Goulburn, NSW
$1,275,480
$1,200/wk rental estimate
🛏 3+3 🛁 2+2 🚗 1+1 Land 719m² House 298m²
Numbers against each profile
Mum & Dad
✗ Out of reach
Deposit (from super)$255,096 Loan required$1,020,384 Weekly rent$1200/wk Remaining super balance after costs$-27,583
Higher-income earners
✓ Within reach
Deposit (from super)$255,096 Loan required$1,020,384 Weekly rent$1200/wk Remaining super balance after costs$272,417
Can I afford this? →
Townhouse Expected Titled

Townhouse

Melton, VIC
$679,900
$540/wk rental estimate
🛏 3 🛁 2 🚗 1 House 165m²
Numbers against each profile
Mum & Dad
✓ Within reach
Deposit (from super)$135,980 Loan required$543,920 Weekly rent$540/wk Remaining super balance after costs$69,656
Higher-income earners
✓ Within reach
Deposit (from super)$135,980 Loan required$543,920 Weekly rent$540/wk Remaining super balance after costs$369,656
Can I afford this? →
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
✓ Within reach
Deposit (from super)$127,673 Loan required$510,694 Weekly rent$465/wk Remaining super balance after costs$98,777
Higher-income earners
✓ Within reach
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
✗ Out of reach
Deposit (from super)$286,571 Loan required$1,146,284 Weekly rent$1200/wk Remaining super balance after costs$-65,331
Higher-income earners
✓ Within reach
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
✓ Within reach
Deposit (from super)$177,080 Loan required$708,320 Weekly rent$700/wk Remaining super balance after costs$48,530
Higher-income earners
✓ Within reach
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.