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#071 - SMSF Property Is Not Dead (Here's What Changed)
Take control of your retirement savings today 👉 https://www.bcsmsf.com.au/contact-us/
In this new episode, Troy breaks down the legislation that now bans SMSFs from borrowing to buy residential property, a deal struck between the Government and the Greens that takes effect on 10 August 2026. Most people don’t realise there are major exceptions, and if property is part of your SMSF strategy, you need to understand exactly what still is and isn’t allowed.
What you’ll learn:◼️ what the residential borrowing ban actually covers
◼️ which SMSF property strategies remain fully intact
◼️ how to navigate the new rules without derailing your plan
Timestamps:
0:00:00 - Introduction
00:00:06 – Ban On Borrowing For Residential Property 0
0:01:17 – LRBA Ban Explained
00:01:31 – Ban Effective 10 August 2026
00:02:02 – Existing Loans Are Safe
00:02:31 – 45‑Day Transitional Window
00:02:57 – Residential Property Not Dead For SMSFs
00:03:08 – You Can Still Buy Residential Property Outright
00:03:31 – Commercial Property Borrowing Still Allowed
00:04:39 – What You Should Do Now
00:04:58 – Pivoting Your Strategy
Follow Blue Chip SMSF:
https://www.instagram.com/bluechipsmsf/
https://www.bcsmsf.com.au
DISCLAIMER
This content is for educational and coaching purposes only. This is not personal financial or legal advice. SMSF rules are complex and individual circumstances vary significantly. Before making any investment or structural decisions, consult with a qualified financial advisor and SMSF accountant tailored to your specific situation. Improper SMSF management can result in significant penalties and loss of concessional tax treatment.
View all episodes
By Troy RabaudTake control of your retirement savings today 👉 https://www.bcsmsf.com.au/contact-us/
In this new episode, Troy breaks down the legislation that now bans SMSFs from borrowing to buy residential property, a deal struck between the Government and the Greens that takes effect on 10 August 2026. Most people don’t realise there are major exceptions, and if property is part of your SMSF strategy, you need to understand exactly what still is and isn’t allowed.
What you’ll learn:◼️ what the residential borrowing ban actually covers
◼️ which SMSF property strategies remain fully intact
◼️ how to navigate the new rules without derailing your plan
Timestamps:
0:00:00 - Introduction
00:00:06 – Ban On Borrowing For Residential Property 0
0:01:17 – LRBA Ban Explained
00:01:31 – Ban Effective 10 August 2026
00:02:02 – Existing Loans Are Safe
00:02:31 – 45‑Day Transitional Window
00:02:57 – Residential Property Not Dead For SMSFs
00:03:08 – You Can Still Buy Residential Property Outright
00:03:31 – Commercial Property Borrowing Still Allowed
00:04:39 – What You Should Do Now
00:04:58 – Pivoting Your Strategy
Follow Blue Chip SMSF:
https://www.instagram.com/bluechipsmsf/
https://www.bcsmsf.com.au
DISCLAIMER
This content is for educational and coaching purposes only. This is not personal financial or legal advice. SMSF rules are complex and individual circumstances vary significantly. Before making any investment or structural decisions, consult with a qualified financial advisor and SMSF accountant tailored to your specific situation. Improper SMSF management can result in significant penalties and loss of concessional tax treatment.