Expert Buyer’s Agent for property investment through your super
Buying property with superannuation can be a fantastic way to diversify your investment portfolio and take care of your financial future. However, it’s not without its complexities. If you’re considering using super to buy an investment property, Search Property is here to guide you every step of the way.
We provide an end-to-end service, from referring you to partner accountants who can advise and set up your SMSF to purchase property. Whether your goal is to sustain additional retirement benefits or generate capital growth, Search Property does all the heavy lifting in bringing these ambitions to life. Explore our SMSF buyer’s agent service and book an assessment call with us today.
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Our SMSF buyer's agent service
Buying property with super is made possible with Search Property. Over the years, we’ve assisted many clients source, secure and purchase an investment property through their SMSF. To do this, we use our tried and true five-step SMSF buyer’s agent approach:
Start!
Our first step starts with an initial conversation about your goals with your SMSF to buy an investment property. If you think we're a fit, all we need you to do is sign an agreement and pay the retainer!
Strategy
We’ll discuss your property search goals and work within the investment strategy established by your SMSF trustees with their professional advisers. If you need assistance with SMSF structures or eligible finance, we can introduce you to relevant specialists. Residential property purchases using new SMSF borrowing arrangements are generally restricted under rules effective from 10 August 2026, subject to transitional exceptions.
Source
We'll search far and wide to find the right properties that align with your portfolio goals for buying an investment property with super. Our buyer’s agents have an extensive network of real estate professionals, providing clients with the best chance of success in finding a high-performing investment property through your super.
Secure
Once you’re happy with a property, we take over to seal the deal. We'll negotiate the property for you using your super to buy an investment property and provide a detailed report. We can help organise pest/build inspections and a conveyancer to move the process along.
Settlement
We'll guide you through to settlement of your investment property purchased through your super. We will check in after 6 months with an update on the performance of your property to keep you on track of achieving your goals.
How to Use Your Super
to Buy Investment Property
A self-managed super fund (SMSF) gives you greater control over your retirement investments, including the option to invest in property. However, property purchases must meet superannuation rules and align with your fund’s investment strategy. SMSFs also come with costs, risks and ongoing trustee responsibilities.
If you’re considering buying an investment property through an SMSF, we can introduce you to qualified financial, tax and legal professionals to help you understand the requirements and assess whether this approach suits your circumstances. Get in touch today to explore your options.
What is SMSF?
An SMSF, or self-managed super fund, is a type of private superannuation fund in Australia that you manage yourself, unlike other super funds that are managed by a fund manager. There are many reasons why people choose to set up an SMSF. Whether to hold greater control over their retirement savings to access tax benefits or explore a wider range of investment options, SMSFs help to support your financial future.
Buying property through an SMSF, offers benefits like capital growth and tax advantages, making SMSF property investment an attractive option for those seeking to diversify their retirement investments.
What are the benefits of buying investment properties through a self-managed super fund (SMSF)?
Thinking of adding property to your investment portfolio?
An SMSF can offer a unique pathway to property ownership, potentially unlocking significant benefits for your long-term financial strategy. Here are some of the benefits you can expect from this property investment approach:
Investment flexibility — Experience greater control over how you invest your super and enforced decision-making over how you use your retirement savings.
Alternative financial pathways — Secure finance with non-recourse borrowing options to buy an investment property with super.
Concessional tax rate — Net rental income is generally taxed at 15% within a complying SMSF during the accumulation phase.
Potential long-term returns — Potential to grow your super balance through rental income and long-term property capital growth.
What type of investment property can I buy using my super through SMSF?
An SMSF can purchase residential, commercial or industrial investment property, provided the purchase complies with superannuation rules and the fund’s investment strategy. Residential property generally cannot be purchased from, lived in by or rented to fund members or related parties. Different rules apply to eligible business real property.
SMSFs can still purchase residential property using available fund money. However, new limited recourse borrowing arrangements entered into from 10 August 2026 generally require business real property, subject to transitional exceptions.
At Search Property, we specialise in sourcing residential investment properties in regional areas, focusing on rental yields and long-term capital growth potential. Whether a property suits your SMSF depends on its investment strategy, cash flow and diversification needs.
FAQs
So what are you waiting for? Whether you're aiming for capital growth or diversification, Search Property can help you buy property with super. Our team of buyer’s agents are ready to help you make big moves within the Australian property market.
It’s not too late to start
Disclaimer: Search Property Pty Ltd (SP) does not provide financial or investment advice and does not hold a financial services license as defined in the Corporations Act 2001 (Cth). Any advice given by SP is general in nature and does not take into account your personal circumstances or objectives, financial situation or needs.
