Australia's property market has demonstrated consistent long-term growth, outperforming many other investment classes over decades. Property investment offers capital growth potential while generating reliable rental returns. Additionally, Australia's property market provides significant tax benefits through negative gearing and depreciation benefits that can optimise your financial position.
At Property Hub Sydney, we are investors ourselves, ranging from first-time buyers to seasoned investors. We offer personalised strategies tailored to your financial goals, timeframe, and risk appetite. Our team combines over 12 years of real estate experience with more than 18 years in the corporate sector, enabling us to provide trusted advice that balances capital growth with strong rental yields.
The key is having clarity on your investment goals, timeframe, and risk appetite. We recommend beginning with a free, no-obligation strategy session where we'll help you map a clear path to achieve your financial goals and build long-term wealth. This personalised approach ensures your investment strategy is aligned with your specific circumstances.
We take the guesswork out of finding investment properties through extensive research and thorough due diligence. Our data-driven approach identifies high-growth areas primed to outperform the market, and we select only the best opportunities within those suburbs that align with your long-term strategy and deliver strong returns.
We provide comprehensive services including personalised investment strategy development, property acquisition support with expert negotiation and transaction management, ongoing portfolio optimisation through regular reviews, and specialised SMSF property investment services. Each service is designed to help you build wealth and achieve your financial goals.
Through our personal, one-on-one strategy sessions, we help you map a clear path to achieve your financial goals. We design customised investment strategies aligned with your financial goals and timeline, balancing capital growth with strong rental yields. Our goal is to provide the right advice and insights to maximise your success.
While timelines vary based on individual circumstances and goals, our client performance metrics show an average portfolio growth of 42% over a 5-year period. For example, some clients have grown from one property to five properties in seven years, creating significant equity in the process.
Property investment offers several tax benefits in Australia. You can leverage negative gearing, which allows you to deduct investment losses against other income. Additionally, depreciation benefits on investment properties can be significant. Our team helps you optimise your financial position by structuring your portfolio to maximise these tax incentives.
An SMSF is a trust run by its members, subject to special regulations that govern Australia's superannuation system and provide retirement benefits to beneficiaries. With an SMSF, you gain direct control over how your retirement savings are invested, unlike traditional super funds. One of the most powerful strategies available to Australians is investing in property through an SMSF, which can provide consistent returns and potential tax advantages to support a comfortable retirement.
SMSF property investment allows you to maximise super returns by using your superannuation to invest in high-performing residential properties that deliver both capital growth and rental income. It provides increased transparency and control over your retirement savings and assets through leverage. You also gain flexibility in investment options, concessional super contributions, and significant tax effectiveness. Additionally, SMSF property investment can serve as an asset protection strategy.
Funds borrowed by an SMSF must be structured as Limited Recourse Borrowing Arrangements (LRBAs), which quarantine the loan and investment within a specific holding trust to protect other cash and investments in your SMSF. The borrowed funds can only be used to purchase the property or pay for repairs and maintenance—they cannot be used for substantial improvements or property development. Additionally, an SMSF cannot refinance to withdraw equity for other purposes, and lenders typically offer lower loan-to-value ratios due to these restrictions.
You can purchase residential properties through your SMSF. Commercial and industrial real estate can also be purchased according to the investment strategy you develop. However, not all types of properties are SMSF-compliant, so you can only purchase approved properties. An SMSF can only borrow to acquire a single asset, and no individual connected with the fund can use a residential property owned by the fund.
Setting up an SMSF involves several key steps: consulting with a financial planner or accountant, determining your fund's structure (individual or corporate trustees), establishing a trust deed, opening a dedicated bank account, registering with the Australian Taxation Office to receive an ABN and TFN, preparing a written investment strategy, obtaining loan pre-approval, and finally purchasing your property through the correct entity. Professional guidance at each stage is essential to ensure compliance.
Our SMSF property investment service is designed to help you maximise super returns through high-performing residential properties and provide step-by-step guidance from setting up your SMSF structure to identifying the right property. We work closely with financial planners, accountants, and lenders to make the process seamless, compliant, and rewarding.
As an SMSF trustee, your main responsibilities include accepting contributions from fund members, establishing a written investment strategy and investing the fund's assets in line with that strategy, keeping detailed records and ensuring compliance with all rules and regulations, deciding on life insurance coverage for members, organising the preparation of annual financial statements, tax returns and audits, and paying member benefits as required and appropriate.
No. One of the key restrictions on SMSF property investment is that no individual connected with the fund can use a residential property owned by the fund. This means you cannot live in, occupy, or have personal use of any residential property held within your SMSF. The property must be held exclusively as an investment to generate rental income and capital growth for your retirement.
A Self-Managed Super Fund (SMSF) is a trust run by its members, subject to special regulations that govern Australia's superannuation system and provide retirement benefits to beneficiaries. Whether you should have one depends on your personal circumstances, investment goals, and long-term objectives. An SMSF may be suitable if you want increased control over your superannuation investments, wish to invest in property for retirement, seek to diversify your asset portfolio, or want greater transparency in how your retirement savings are managed. However, setting up an SMSF requires significant preparation and ongoing compliance with regulations. We recommend seeking specialist advice from a financial planner or accountant to determine if an SMSF aligns with your specific situation.
SMSF property investment offers numerous advantages. You gain increased control over your retirement savings and can use accumulated savings and ongoing contributions to gear into property. Well-located, investment-grade properties typically produce solid returns through long-term capital growth and rental yields. Many investors feel they have more direct control over property than other investment types. You also benefit from flexibility in investment options, can consolidate super assets of up to four members in a single fund, and gain access to significant tax incentives and concessional super contributions. Additionally, SMSF property investment can serve as an asset protection strategy, and you can increase the value and rental income of your property through renovations. Creating a large asset base through property investment can be of significant benefit during later life phases, including retirement.
The documents do not specify a minimum superannuation amount required to purchase property in an SMSF. The amount you need will depend on various factors including the property price, your deposit requirements, loan serviceability, and lender criteria. Since SMSF loans are structured as Limited Recourse Borrowing Arrangements (LRBAs), lenders typically offer lower loan-to-value ratios, meaning you'll need a substantial deposit. For specific guidance on how much superannuation you need based on your individual circumstances and the property you wish to purchase, we recommend consulting with a financial planner, accountant, or SMSF specialist who can assess your situation and provide tailored advice.