SMSF Property Coordination

There may be another way to grow your super.

Some Australians use their superannuation to purchase investment property through a Self-Managed Super Fund. We help coordinate that process — connecting you with the licensed specialists who assess whether it's right for you.

This website contains general information only and does not constitute personal financial advice. Whether this strategy is suitable for you can only be determined by a licensed financial planner who assesses your specific circumstances.
Book a call with Sam → See how it works
Illustrative example — assumed inputs only
Example property
$1.1M
At age 67 (projected)
$4.2M
Super used as deposit
$448K
Example weekly rent
$680/wk
Figures are illustrative only. Based on assumed growth rates and inputs. Not a forecast, projection or guarantee. Your situation will differ. A licensed financial planner must assess suitability before any action is taken.
Coordination service only — not financial advice
Licensed financial planner assesses every client
No obligation until you sign an engagement
All specialists licensed and regulated
The coordination process

How the process typically works

We coordinate the specialists involved in an SMSF property purchase so you're not managing multiple parties on your own. Timelines are indicative and will vary depending on individual circumstances.

Day 1
Letter of Engagement signed
You engage Second Nest as your coordination service. This does not constitute financial advice — it engages us to manage the process on your behalf.
Weeks 1–3
Licensed financial planner assessment
A licensed financial planner independently assesses your situation and produces a formal Statement of Advice. The SMSF is only established if the strategy is deemed suitable for you.
Weeks 4–5
Finance pre-approval
Our SMSF lending specialist assesses your borrowing capacity. Pre-approval confirms what the SMSF may be able to borrow — subject to lender conditions.
Weeks 6–10
Property research & selection
We present general property research to help inform your decision. You select the property. We do not provide property investment advice — the decision is yours.
Weeks 11–13
Contracts & settlement
Our property lawyer manages contracts, the bare trust deed and conveyancing. The property is purchased in the name of the bare trustee as required under LRBA rules.
Weeks 14–16
Property management arranged
We assist in appointing a property manager and getting the property tenanted. Timelines will vary by location and market conditions.
Illustrative example only
Projected asset value at age 67
$4.2M
Based on assumed inputs — not a guarantee or forecast
Example purchase price
$1,120,000
Super as deposit
$448K
SMSF loan (LRBA)
$672K
Example weekly rent
$680/wk
These figures are illustrative only. They are based on assumed growth rates, rental yields and loan terms and do not represent a forecast, projection or guarantee of any outcome. Your situation will differ. A licensed financial planner must assess suitability.
General information

How SMSF property generally works

The following is general information about how SMSF property investment works under Australian law. It is not advice about whether this strategy is suitable for you.

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Leverage through an LRBA
An SMSF can borrow to purchase property using a Limited Recourse Borrowing Arrangement. The super balance is used as a deposit and the fund borrows the remainder from a specialist lender.
Whether an LRBA is appropriate depends on your individual circumstances and must be assessed by a licensed financial planner.
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Tax treatment inside super
Under current Australian tax law, income earned inside a complying superannuation fund is generally taxed at 15% during accumulation phase. In pension phase, income on assets supporting a pension may be tax free.
Tax outcomes depend on individual circumstances. Always consult a licensed tax adviser.
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What the SMSF can purchase
An SMSF can purchase residential investment property subject to strict rules — including that the property cannot be lived in or used by the fund members or related parties, and must meet the sole purpose test.
SMSF investment rules are complex. A licensed financial planner and SMSF specialist must confirm compliance before any purchase.
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Rental income inside the fund
Rental income received by the SMSF is paid into the fund's bank account and used to service the loan. Once the loan is repaid, the rental income remains in the fund as retirement savings.
Rental income levels and loan serviceability are not guaranteed and depend on market conditions and individual circumstances.
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Risks to consider
SMSF property investment carries risks including property market fluctuations, vacancy periods, interest rate changes, liquidity constraints, and the ongoing compliance obligations of running an SMSF.
These risks must be fully understood and accepted before proceeding. A licensed financial planner will outline all risks relevant to your situation.
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What Second Nest does
Second Nest is a coordination service. We connect you with licensed specialists — financial planners, brokers, accountants and lawyers — and manage the process. We do not provide financial, tax or legal advice.
Second Nest does not hold an Australian Financial Services Licence. All financial advice is provided by our licensed financial planning partners.
Important — this strategy is not suitable for everyone

SMSF property investment is a complex strategy that carries significant risks and is not appropriate for most people. A licensed financial planner may determine that this strategy is unsuitable for your situation — and that is a completely valid and common outcome.

Risks include but are not limited to: property market fluctuations and potential loss of value; extended vacancy periods with no rental income; interest rate increases that may make the loan unaffordable; significant liquidity risk — an SMSF property cannot be quickly sold if funds are needed; ongoing compliance obligations and administration costs of running an SMSF; the strategy concentrating your retirement savings in a single illiquid asset; and the possibility that the strategy does not meet the superannuation sole purpose test.

Before considering this strategy you should obtain independent financial advice from a licensed financial planner who is not connected to Second Nest and who can provide an unbiased assessment of your specific circumstances.

Client experiences

What clients have experienced

The following are general accounts of client experiences with the coordination process. They do not represent typical outcomes and should not be relied upon when making financial decisions.

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Client testimonial coming soon
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Client testimonial coming soon
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Client testimonial coming soon
Testimonials reflect individual experiences only. Outcomes vary depending on personal circumstances, property market conditions and other factors. Past client experiences are not indicative of future results.
The team

Coordinated by people who know the process

Second Nest was founded by two property professionals who identified a coordination gap — Australians who may benefit from exploring SMSF property investment but have no clear path to navigate the process.

Sam Brooks
Co-Founder — Second Nest
Founder of Procuro Property, Sam has spent years in property marketing and client coordination. He manages client relationships and the end-to-end coordination process at Second Nest. Sam does not provide financial advice.
Brook Johnson
Co-Founder — Second Nest
Founder of Super Property, Brook has extensive experience helping Australians explore property strategy. He oversees the Second Nest process and specialist network. Brook does not provide financial advice through Second Nest.
Get in touch

Want to understand if this could be worth exploring?

Book a general information call with Sam. We'll explain how the process works and connect you with a licensed financial planner who can formally assess whether it's suitable for your situation.

Book a call with Sam
This is a general information call only — not personal financial advice.
Suitability can only be determined by a licensed financial planner following a formal assessment of your circumstances.