06/10/2026
π SMSFs can no longer borrow to buy residential property (from 10 Aug 2026).
π Coβownership is possible β but strict rules apply.
βοΈ Expenses, rent & gains must be split proportionately.
π« You or relatives cannot live in the property.
π‘ Business premises may qualify under βbusiness real propertyβ rules.
π’ SMSF & Property β What You Need to Know
Since 10 August 2026, SMSFs canβt use borrowing arrangements to acquire residential property. Coβownership with your SMSF may be an option, but beware:
β οΈ Key rules:
πΉ Rent, expenses & gains must match ownership shares.
πΉ Fundβs share of rent must go into its own account.
πΉ You or relatives cannot live in the property.
πΉ Must buy from unrelated sellers (unless business real property).
π‘ Coβownership can work, especially for business premises, but the risks are high. Get expert advice before entering these arrangements.
Read more: https://mavinadvisors.com.au/can-my-smsf-and-i-co-invest-in-a-property/