If you’ve ever thought about using your self managed super fund to buy an investment property, there’s a new deadline you need to know about. From 10 August 2026, SMSFs will no longer be able to borrow money to buy residential property – houses, units, anything you’d live in or rent out. Your fund can still buy one after that date, just not with a loan. Loans will still be allowed for commercial property used in a business.
What matters is the date you sign the contract, not settlement. Sign before 10 August 2026 and you’re covered under the old rules. Sign after, and borrowing for a residential property isn’t an option anymore. If your SMSF already has a property loan, this doesn’t touch you – it keeps running as normal, and you can still refinance.
For anyone considering this option who hasn’t yet begun the process: establishing an SMSF, setting up a Bare Trust, securing finance, and signing a contract all need to occur before 10 August.
This article is general information only and does not take into account your individual circumstances. Please speak with BTMH team before entering into any arrangement.
