"Qualified Chartered Accountants and SMSF Specialists — guiding every decision."
Take direct control of your retirement by investing your superannuation into residential or commercial property. Qualified Chartered Accountants and SMSF Specialists handle setup, compliance, and ongoing administration — you focus on building wealth.
An SMSF gives you real assets, tax advantages, and direct control — the three pillars of a property-led retirement strategy.
Choose the property, the strategy, the timing and the tenants. Your fund, your decisions — with professional support keeping every step ATO-compliant.
Rental profits taxed at just 15% in accumulation. Capital gains reduced to 10% after 12 months, and potentially 0% in pension phase.
A tangible asset that generates rental income and capital growth — held inside the superannuation environment where it's taxed more efficiently than personally.
One partner for the whole journey — from fund establishment through to property settlement and ongoing compliance.
Trust deed, trustee declarations, ABN/TFN, ATO registration, and opening of the SMSF bank and broker accounts.
Custodian trustee company and bare trust deed prepared per property, aligned with your lender's requirements.
Coordination with your existing fund to roll balances into the SMSF — plus setup of ongoing employer and personal contributions.
Annual accounts, SMSF tax return and independent audit — keeping your fund compliant year after year.
No hourly billing surprises. Our SMSF setup package is fully scoped and fully digital.
Modern deed with borrowing provisions and support for all allowable asset classes.
Registered trustee company with ASIC, plus director consents and resolutions.
ABN, TFN, GST registration (where applicable) and fund registration with the ATO.
SMSF-specific bank account and broker account opening, ready for contributions and trades.
Trustee declarations, member applications and binding death benefit nominations.
Compliant written strategy aligned to your goals, risk profile and property plans.
Coordination with your existing super funds to transfer balances — no cost to you.
Custodian trustee and bare trust deed prepared per property when you're ready to buy.
Three mechanics every trustee should understand before buying property through their fund.
Under an LRBA, the loan is secured only against the single property held in the bare trust — protecting all other SMSF assets if the loan ever defaults.
A custodian trustee holds the property title while the SMSF pays the loan. Once the loan is repaid, the title transfers to the fund without triggering stamp duty.
SMSF property must exist solely to provide retirement benefits to members — residential property cannot be lived in or rented to related parties.
Advanced tactics that qualified trustees use once the fund is established.
Own your business premises inside the SMSF and lease it back at market rates. The rent your business pays becomes a deductible expense, received by the fund at 15% tax.
Combine employer contributions, personal concessional and non-concessional contributions to pay down SMSF loans faster — or build capital for the next property.
Hold property alongside shares, ETFs, term deposits and even cryptocurrency within one SMSF — reducing concentration risk while keeping everything under one tax structure.
Four clear phases. Fully digital, fully supported.
We review your super balance, goals and property plans to confirm an SMSF fits your situation.
Trust deed, trustee, ATO registration and bank accounts — all coordinated and signed online.
Existing super balances transferred into the fund, ready to deploy into your first property.
Bare trust prepared, lender coordinated, property settled under the correct trustee arrangement.
Book a free call with an SMSF specialist. We'll assess your super balance, borrowing capacity and property goals — and map out the fastest compliant path forward.
Schedule a Call →The things most people want to understand before starting an SMSF — answered plainly.
A new SMSF with a corporate trustee is typically established within 5 to 10 business days once we have your ID, member details and signed documents. Rollovers from existing super funds usually take a further 1 to 3 weeks depending on the releasing fund.
There is no legal minimum, but most specialists suggest a combined balance of around $200,000 before setup becomes cost-effective against ongoing administration fees. Below that, the running costs can erode returns. We're happy to run the numbers with you during the discovery call.
When an SMSF borrows to buy property under a Limited Recourse Borrowing Arrangement (LRBA), the property title must be held by a separate bare trustee rather than the SMSF itself. This protects every other asset in the fund if the loan ever defaults — the lender can only recover from that single property.
We prepare the bare trust deed and register the custodian trustee company as part of the LRBA package.
No — not if it's residential. A residential property held by your SMSF cannot be lived in or rented by you, your family, or any related party. Doing so breaches the sole purpose test and triggers serious ATO penalties.
Commercial property is different: you can lease SMSF-owned business premises to your own business, provided rent is paid at market rates and documented properly.
Annual costs typically include the ATO SMSF supervisory levy, SMSF accounting and tax return, independent audit, and ASIC fees for any corporate trustee and custodian companies. We provide a clear fee schedule before setup so there are no surprises.
Yes. SMSFs can hold residential, commercial, or industrial property — though different rules apply to each. Residential must be acquired at arm's length from an unrelated party. Commercial can be purchased from a related party at market value and leased back to that related business.
Yes. We can take over administration of your current fund, review the trust deed for LRBA compatibility, and update it if borrowing provisions aren't in place. Just let us know on the enquiry form and we'll coordinate the handover with your previous administrator.
You'll receive an immediate confirmation, and one of our SMSF specialists will be in touch within one business day to book a free 15-minute discovery call. In that call we confirm suitability, map out the structure, and outline the fixed fee for your setup.
No. SMSF Supa provides SMSF establishment, administration, and compliance services. We do not hold an AFSL and we do not provide personal financial product advice. For advice on whether an SMSF is right for you, we'll refer you to a licensed financial adviser.
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