The Australian Government has passed a new law. From 10 August 2026, a self-managed super fund (SMSF) can no longer take out a new loan to buy residential property. Purchases where contracts are signed before that date can still go ahead under today's rules.
until the new rules start · 10 August 2026 (AEST)
Just your name and number — our team calls you back within one business day. Free, no obligation.
Our team will call you back within one business day.
No jargon. Here's exactly what the Australian Government changed, and the dates that matter.
On 26 June 2026, the Australian Parliament passed a law that changes how self-managed super funds (SMSFs) can buy property. It was part of a wider package of tax changes.
From 10 August 2026, an SMSF can no longer take out a new loan to buy a residential property — a house, townhouse or unit. The formal name for this kind of loan is a "limited recourse borrowing arrangement" (LRBA).
If contracts are exchanged before 10 August 2026, the purchase can still go ahead under today's rules — even if settlement and the loan happen later. Loans already in place also continue as normal.
Whatever you decide, deciding with good information beats missing the date and wondering.
Register your name and number and our team will call you back with a plain-English rundown of the change and how the timeline works — free and without obligation.
Whether buying property inside super is right for you is a personal financial decision. That call belongs with a licensed financial adviser who knows your circumstances.
If, with advice, you decide to go ahead, contracts must be exchanged before 10 August 2026. Property purchases take time — the earlier you start the conversation, the more options you have.
An SMSF (self-managed super fund) is a private superannuation fund that you manage yourself, rather than leaving your super with a large fund. SMSFs are regulated by the Australian Taxation Office and can invest in assets including shares and property.
From that date, self-managed super funds can no longer take out a new loan (formally called a limited recourse borrowing arrangement, or LRBA) to buy residential property. The law passed the Australian Parliament in June 2026.
No. Loans that are already in place continue under the existing rules. The change only stops new borrowing arrangements for residential property from 10 August 2026.
Purchases where contracts are exchanged before the rules commence are protected under the legislation, even if settlement and the loan happen after that date.
Yes. The change only ends new borrowing for residential property. An SMSF with enough money in the fund can still purchase property outright, and commercial property borrowing is not affected.
No. This page is general information only and does not consider your personal circumstances. Decisions about superannuation and SMSFs should be made with advice from a licensed financial adviser.
Leave your name and number and our team will call you back — a plain-English rundown of the 10 August change, and a look at current off-market opportunities across Melbourne and Regional Victoria. No call centre, no pressure.
We typically respond within one business day.
Our team will call you back within one business day.