SMSF Property.

Can I purchase property through my SMSF? Yes, as long as you comply with the rules and have sufficient funds. We assess if it aligns with your strategy and goals before recommending it.

We simplify the process by providing end-to-end service, including strategic financial planning, fund establishment, compliance, and coordination with brokers, banks, and settlement agents for property purchase.

How are we different?

At Empire, we never receive or request commissions from developers or sales agents. Our advice is driven by strategy, not a sales agenda. We prioritise long-term, strategic planning and consider property purchases within the context of your overall goals.

Smsf Property Img

Frequently Asked Questions
About SMSF Property.

Do I have enough money to buy property in my super?

To justify an SMSF switch, it’s generally accepted that you need over $300,000 in your super (jointly with your partner, if applicable). If you don’t meet this threshold, our strategic planning approach will help you work towards it.

What type of property should I buy?

We don’t provide specific property recommendations, but we prioritise long-term capital growth. While high rental yields are less important with healthy deposits, we emphasise the land component over the building. We also consider supply and demand dynamics and potential value-added opportunities.

Who can help me?

Consult experienced advisors with an Australian Financial Services License. Seek strategic advice first, rather than relying on property sales campaigns. You’ll also need a finance broker and accountant to manage the fund’s finances, and we can connect you with trusted service providers or work with your existing relationships.

Beware of Property Spruikers

We are not property mentors or unregulated spruikers disguised as advisors. Unlike licensed real estate agents, we don’t need to sell properties to operate. Our focus is on goals, objectives, and strategies rather than commissions.

SMSF Property Pros and Cons.


  • Business premises purchase with market rent to your SMSF

  • Limited Recourse Borrowing Arrangements (LRBA) protect the entire fund if loan defaults

  • Lower tax rate of 15% for super funds compared to personal tax rates

  • Capital gains tax calculated at a discounted rate if property sold during accumulation phase

  • No capital gains tax if property sold during the pension phase (subject to current $1.9m cap on tax free pensions)


  • Residential property cannot be used by fund members or relatives

  • Tax deductions for negatively geared property are only at 15%

  • Property is an illiquid asset and may not meet minimum income drawdowns in retirement

Speak to One of Our Financial Advisors Today!