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The government has just moved to ban SMSF lending for residential property, with a cut-off around the middle of August 2026. If you run a self-managed super fund and you have ever thought about using it to buy an investment property, this is the change that closes that door.
In this episode we walk through the policy itself, who it hits, and the exact steps and timing involved if an SMSF purchase is something you are looking into. We also dig into why this one is hard to make sense of as policy, given SMSF buyers tend to sit at the lower-risk, longer-hold end of the market.
What we cover:
📌 What the ban actually does - no new SMSF loans for residential property, while commercial property and other assets are untouched
📌 Why new and off-the-plan residential is caught too, and what that means for developers relying on presales
📌 The real timeline - roughly 45 days after royal assent, landing around mid August (exact date still to be confirmed)
📌 The boxes you need ticked before the cut-off - SMSF set up, cash moved in, bare trust in place, and the contract signed in the bare trust's name
📌 Why moving your super across is usually the slowest part of the process
📌 Roughly where SMSF lending rates and LVRs sit right now, and why this lending is slower and more paperwork-heavy than a personal loan
📌 The step-by-step if you want to explore it - speak to a broker, speak to an accountant, and start the property search at the same time
This is general information about a policy change, not a recommendation to buy. Whether an SMSF purchase suits your situation is a question for a licensed adviser and your accountant - the adviser handles the structure, we handle the asset.
Subscribe for calm, evidence-led breakdowns of the policy and market changes that actually move Australian property.
#AustralianProperty #SMSF #Superannuation #PropertyInvesting #MelbourneProperty
Chapters
00:00 The ban nobody saw coming
00:35 Another shocking announcement
01:48 Curtis on why this was a total surprise
02:52 The pension argument it ignores
04:24 What has actually changed
06:07 Are SMSF loans really riskier?
07:20 Why this one goes too far
08:07 The hit to buyers agents and brokers
09:54 The compounding example
11:48 A safe unit vs a shiny office
13:35 You have 6 weeks - the call to action
14:49 Why Alaya's team has pivoted to SMSF
16:31 The exact dates and what you need done
18:49 SMSF rates, LVRs and how the lending works
20:37 The step by step
22:09 Should you actually do this?
23:24 What to buy and the final word
This video is provided by Confidence Finance Pty Ltd (ACL 488313) & Flint Trademark Pty Ltd. This is general information only and not personal advice. Please seek credit advice from us directly and independent tax, legal or financial advice where appropriate.
Reach out to us at www.australianpropertytalk.com.au