Self Managed Super
Property Investment
Imagine a retirement where your super works harder than ever – with rental income, capital growth, and generous tax advantages working in your favour.
Build Wealth Inside Super
One Property at a Time
Your super doesn’t have to sit in average-performing funds.
With an SMSF, you can use it to buy property, build equity, and reduce tax — all with control.
It’s a smarter way to grow your retirement wealth.
Why SMSF Property Investment
Makes Sense
Keep More of Your Rental Income
Your SMSF pays a flat 15% tax on rental earnings — far less than personal income tax rates.
Grow, Then Sell - With Just 10% Tax
Hold the property for 12+ months and your SMSF pays only 10% capital gains tax on the profit.
Pay Zero Tax in Retirement
Sell the property during pension phase and your SMSF pays no capital gains tax at all.
Claim Every Eligible Expense
Your loan interest, maintenance, insurance and more — all claimable by your SMSF to reduce its tax bill.
Use Every Contribution to Cover Costs
Super payments you’re already receiving can help fund the investment — without dipping into your own savings.
Client Spotlight
How John & Christina Grew $580k in Super
In just 6 years, John and Christina used their SMSF to purchase two well-located Adelaide townhouses — now generating $62,000 in passive rental income each year. With Silvertail’s end-to-end strategy and support, they’ve grown over half a million in equity and built a hands-off portfolio for retirement.
Frequently Ask Questions
What’s the minimum I need in my super to invest in property?
Most lenders require your SMSF to have at least $200,000–$250,000 in total funds to qualify for property investment. This includes your existing super balance and any employer contributions.
What’s the realistic total cost of ownership—including compliance over the first five years?
Beyond purchase and loan costs, budget roughly $3,000 – $4,000 per year for SMSF audit, tax return, bare-trust fees and landlord insurance. Our five-year projection spreadsheet helps you understand the cost and if this is the right option for you.
How do you decide which properties suit an SMSF?
We start with a data-driven shortlist of suburbs showing resilient rental demand, tight vacancy, and infrastructure-led growth. From there we filter for dwellings that meet lender requirements (new or near-new, strata-free, $450 k–$950 k sweet-spot) and deliver a minimum 4.5 % gross yield.
Can you secure off-market or pre-release stock for SMSF buyers?
Yes. Our developer and agent network gives us first access to turnkey properties and small infill projects that never hit the portals, often with rental guarantees that support loan serviceability.
Can you secure off-market or pre-release stock for SMSF buyers?
Yes. Our developer and agent network gives us first access to turnkey properties and small infill projects that never hit the portals, often with rental guarantees that support loan serviceability.
How often do you review performance and recommend hold vs sell?
We run an annual portfolio review covering rent, expenses, equity growth, and comparable sales. If a property under-performs our benchmarks for two consecutive years, we’ll flag a divest or value-add strategy.
What rental yield do you regard as ‘safe’ for an SMSF loan?
A minimum 4.5 % gross yield. Below that we find loan serviceability starts relying too heavily on future contributions and growth. Our current purchases are averaging 4.8 %–5.4 %.
Is it hard to stay compliant with the ATO?
Not when you have the right support. We work with your accountant (or connect you with a specialist) to keep your SMSF compliant, audited, and up to date — year after year.
Make Your Super
Work Harder
Discover how to use your existing super to invest in real property with strong rental returns, tax efficiency, and long-term growth — all backed by a proven process.