SMSF Financial Solutions

Think the super property ban shuts you out?

Not if it is a farm.

From 10 August 2026, self-managed super funds can no longer borrow to buy residential property. However, the ban leaves one big door open.

A genuine working farm counts as business real property, and funds can still borrow to buy it. No countdown to the 7 August contract deadline.

Even better, farms come with advantages residential property never gets. A fund can acquire the farm from family at market value.
It can be leased back to the family farming business. And believe it or not, a member and their family can live in the farmhouse, as long as the private area stays within 2 hectares, farming stays the main use, and market rent is paid under a proper lease.

The ATO's own ruling backs this in. It even runs through a couple who move their vineyard and home into their fund and lease it back.

The catch is that it has to be a real farm. Hobby farms and lifestyle blocks miss out, and the detail has to be right.

If a farm is part of your family's plans, it is worth a conversation before the window closes. Get in touch and we will walk you through it.

General information only, not personal advice. Jason Bibby (AR 321506), SMSF Financial Solutions Pty Ltd (CAR 1267673), CAR of Finexia Wealth Pty Ltd (AFSL 522661).

Can an SMSF Still Buy a Farm After the 2026 Borrowing Ban? Learn why genuine farm property remains eligible for SMSF borrowing after the 2026 residential property ban and how business real property rules apply.

It is now law. New borrowing inside super to buy residential property is being banned, and the window to act is closing.

The key dates: the ban commences 10 August 2026, and to be locked in under the current rules a contract needs to be signed by Friday 7 August. It is the contract that counts, not the settlement, so it is more achievable than it sounds.

Existing arrangements are protected. Commercial property is not affected. This applies to new residential arrangements only.

A new fund takes three to four weeks to set up, so if buying property through super has been on your radar, NOW is the time to look at it. We have put together a short video explaining it all.

Watch it here: https://youtu.be/z5bahntB5bM?si=-fV2rkvBo8ES7bsY

General advice only. Does not consider your objectives, financial situation or needs. SMSF Financial Solutions Pty Ltd (CAR 1267673), CAR of Finexia Wealth Pty Ltd (AFSL 522661).

SMSF Property Borrowing Ban Confirmed: Key Dates Explained The changes to SMSF residential property borrowing are now law. Thi...

Everyone's talking about the 2026-27 Budget tax changes being wound back. A lot of what's being said does not tell the full story.

In this short update, Jason Bibby from SMSF Financial Solutions cuts through the noise. There is one detail shaping whether these changes actually pass, and one structure barely anyone is mentioning that matters more than most people realise.

Watch to find out what's actually likely to change, what's locked in, and the part most people are missing.

If you are holding assets outside super, it is worth a few minutes. Get in touch at www.smsffinancial.com.au

General advice only. This information does not take into account your personal objectives, financial situation or needs. The measures discussed are not yet law and remain subject to change. Consider whether the information is appropriate for your circumstances and seek advice before acting.



https://youtu.be/r1-KljQUOr0?si=Ek0u-r9cmBf6CHzF

What the Budget Headlines Aren't Telling You | 2026-27 SMSF and CGT ChangesDescription: We originally shared this with our clients, and it's worth a wider ...