You can still borrow inside super to buy property.
For now.
Recent budget announcements put a clock on residential property investing through self-managed super. In this masterclass, Rasti Vaibhav sits down with an accountant and two finance specialists to explain what was announced, what it means for you, and how the window actually works.
Watch the teaser. The full recording is emailed after you request it.
“Very informative session on SMSF, and every question was answered clearly.”Sashi C.
“Breaks down complex economic and political jargon into language anyone can apply.”Deepak S.
“Really useful on the budget's impact, and the alternatives still available to invest efficiently.”BK
The headlines were noisy.
Here is what was actually announced.
A quick, plain-English summary of what the session covered, so you can separate the signal from the scaremongering before you decide anything.
Borrowing in super, residential
The government signalled an intention to restrict borrowing inside an SMSF to buy residential investment property (the limited recourse borrowing arrangement many investors use). At the time of recording this was flagged and not yet law. If it proceeds, new residential borrowing inside super would close.
Commercial stays available
The proposed restriction discussed in the session applied to residential property. Borrowing inside super to buy commercial property was described as remaining available. Rules differ by property type and can change, so the current position is worth checking.
The wider budget picture
The session also walked through budget measures affecting investors more broadly: changes to negative gearing (described as deferred rather than removed) and the capital gains tax discount on newly purchased property. Treatment depends on timing and your circumstances.
Status check: measures discussed here were announced or proposed and may not be law, and rules change. This is general information from the session, not advice. Confirm the current position with the ATO and a licensed adviser before acting.
If the change proceeds, the practical window to act is short.
The catch is that the usual steps run end to end over roughly five to six months, longer than the window itself. The session's key point: they don't have to run one after another. Set up, finance and search can run in parallel, which is what makes a tight timeframe workable.
Set up the SMSF
Establish the fund and trustee structure with a licensed SMSF adviser.
Arrange pre-approval
Get finance pre-approval moving with your broker while the fund is being set up.
Find & research
Shortlist and assess the right property with your buyer's agent at the same time.
Find & exchange
Run together, the aim is to find and exchange within about 45 days. Exchange, not settlement.
Timelines are indicative only and depend on your circumstances, your providers and the lender. They are not a commitment, a guarantee, or advice.
An hour that turns a confusing policy change into a clear decision.
No hype and no jargon, just four specialists walking through the change and the options still on the table, so you can decide what is right for your situation.
The closing window
Why borrowing in super for residential property is on borrowed time, and what is actually proposed.
Reading the budget
Negative gearing, the CGT discount and what genuinely changed for investors, with Manpreet Singh.
Shares versus property
More than a century of data, and why leverage and knowledge is the real difference between the two.
How the structure works
Members, the bare trust, asset protection and how a fund can help preserve your borrowing power.
Residential versus commercial
What you can and cannot borrow for inside super, and where the door stays open beyond residential.
Setting up your fund
The step-by-step setup, from engagement through to rollover, walked through by an SMSF specialist.
Four specialists, one honest conversation.
The reason it works is the room: a strategist, an accountant and two finance specialists who do this every day, in plain English.
Rasti Vaibhav
Founder of Get RARE Properties. A former fund manager with a background in architecture, data science and finance, and a member of PIPA, REINSW and REIA.
Manpreet Singh
Of Acebiz. Almost two decades advising business owners and property investors on tax and structuring.
Gayle Campbell
Of Loan Edge. Lends across the SMSF space and brings an accounting background to every structuring conversation.
Sid Malhotra
An SMSF lending specialist known for fast, careful approvals when timing matters and the window is tight.
Would you rather talk it through?
If you want to understand what the changes mean for your situation, book a no-pressure strategy call and we will walk through your options together.
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A few quick answers.
How do I get the recording? +
Request it with the short form above. You'll see it instantly on the next page. And, we will also email the full recording to you shortly after, so you can watch it whenever suits you.
Is this financial advice? +
No. The masterclass and recording are general educational content only. They are not financial, tax, credit or legal advice. Please speak with a licensed adviser about your own situation before acting.
What does it cover? +
The proposed super borrowing changes, the wider budget backdrop, how an SMSF structure works, residential versus commercial, and the fund setup process, with an accountant and two finance specialists alongside Rasti.
Is there a cost? +
No. The recording is free. If you would like guidance tailored to your circumstances, you can book a strategy call at any time.