Episode 55: Should You Use Your SMSF to Buy Property?

In this episode of Finance This Property That, mortgage planner and finance strategist Dion Fernandez tackles one of the most common questions he receives: Should you use your SMSF (Self-Managed Super Fund) to buy property?

Dion dives into the pros, pitfalls, and prerequisites of SMSF property investing. Whether you're a business owner considering buying your own commercial premises through super or an investor exploring long-term tax-efficient strategies, this episode breaks down what’s allowed, what’s not, and when it truly makes sense.

Packed with strategic insights and real-world examples, this quick yet information-rich episode is a must-listen for anyone serious about building wealth through property — the smart way.

📋 Episode Breakdown:

00:00 – 01:00
Welcome & who this podcast is for — busy professionals, self-employed borrowers, and serious property investors seeking strategy over just low rates.

01:01 – 02:30
Introducing today’s topic: Using your SMSF to buy property — a growing interest but not for everyone. The risks of poor setup and rushed strategy.

02:31 – 04:15
What’s allowed and what’s not:

Residential and commercial properties are permitted inside SMSF.
Renovations must be arm’s length (third-party contractors only).
You cannot live in the residential property held by your SMSF.
04:16 – 06:15
Why SMSF lending is different:

Servicing comes from super contributions and rental income.
Requires setting up a bare trust per property.
More complex setup and annual auditing requirements.
06:16 – 08:15
When it makes sense:

Business owners can rent a commercial property from their SMSF — a powerful strategy.
SMSF investing typically makes sense once balances reach ~$350K–$500K.
08:16 – 10:00
Final thoughts:

SMSF lending requires expert advice — from a mortgage planner, accountant, and financial planner.
High-level overview only — seek tailored advice before proceeding.
Where to connect with Dion and his recommended professionals.
🎯 Key Takeaway:
SMSF property investment can be a powerful wealth-building tool — but only with the right setup, advice, and timing. Know the rules, build the right team, and proceed strategically.

📲 Follow Dion Fernandez:

Instagram: @dionfinancespecialist

LinkedIn: Dion Fernandez
Website: financethispropertythat.com.au

Available on: Apple Podcasts | Spotify | YouTube