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earlier retirement potential
reduced off mortgage for our average client
Yea – thousands of Australians already hold property inside their super as part of their retirement savings portfolio.
Rental income is generally taxed at only 15 % (and 0 % once your fund moves to retirement phase), and any growth sits inside your low-fee super environment. You also keep the asset separate from personal finances, adding diversification away from share-market swings.
Many couples begin exploring the option once their combined super sits around $200 k. Exact figures vary, but everyday PAYG earners often qualify once contributions and savings reach that level.
In general, a super balance provides the deposit; the SMSF then takes out a limited-recourse loan for the rest. The property and its rental income stay inside the fund, helping to service the loan under concessional tax rates.
Start with our 60-second quiz. If you meet the basic ATO and lender criteria, you’ll have the chance to book a free, no-obligation call where a consultant maps out your potential next steps.
General information only; seek licensed advice before acting.