SMSF Conveyancing
Buy Property Through Your Super — Compliantly, and Without the Stress
- Residential and commercial property purchases through your SMSF.
- ATO-compliant structuring — bare trusts, LRBAs & execution sequencing for eligible purchases.
- Fixed-fee pricing with no billing surprises.
- Seamless coordination with your accountant, adviser & broker.
- Up to date with the 2026 changes to SMSF residential property borrowing.
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A Specialist Field That Demands Precision
Building Retirement Wealth Through Property
Buying property through a Self-Managed Super Fund (SMSF) is one of the most powerful ways Australians build long-term retirement wealth. Whether it’s a residential investment held by the fund or a commercial premises your business leases back from your super, the right purchase can generate rental income for the fund and grow an asset inside a concessionally-taxed environment.
But SMSF property purchases sit under far stricter rules than an ordinary acquisition. The buying entity has to be exactly right, the bare trust (where borrowing is permitted) must be properly established, documents must be signed in the correct order for your state, and lenders require independent legal advice before releasing funds. A single misstep — such as exchanging in the wrong name — can trigger double stamp duty, compliance breaches or a collapsed deal.
Important 2026 update
From 10 August 2026, an SMSF can no longer take out a new limited recourse borrowing arrangement (LRBA) to buy residential property. Residential property can still be purchased by an SMSF outright (without borrowing), and funds can still borrow to buy commercial business real property. Existing residential LRBAs are grandfathered and can be refinanced, and purchases where contracts are exchanged before 10 August 2026 can still settle afterwards. If you’re considering a geared residential purchase, timing now matters — talk to us early.
Corporate Legal provides legal and conveyancing services only. We do not provide financial, taxation, superannuation or investment advice — obtain that from a licensed financial adviser or accountant.
Call Us NowResidential or Commercial — We Handle Both
Residential Property in Your SMSF
Many investors use their SMSF to acquire residential property to build retirement wealth. The rules are strict — the fund can’t buy from a related party, and you or your relatives can’t live in or rent the property. Importantly, from 10 August 2026 an SMSF can no longer borrow through a new LRBA to buy residential property, so new residential purchases must be funded from the fund’s own resources (existing and pre-commencement arrangements are unaffected).
- Correct purchasing entity — and, where borrowing is still permitted, bare trust setup.
- Compliance with the “sole purpose” and related-party rules.
- Guidance on funding the purchase (new residential SMSF borrowing ends 10 August 2026).
- Contract review, searches and settlement managed end-to-end.
Commercial Property in Your SMSF
An SMSF can buy commercial property — and, unlike residential, your fund can lease business real property back to your own business at arm’s length, so your rent builds your super instead of a landlord’s wealth. Commercial business real property is unaffected by the 2026 residential borrowing changes, so your fund can still borrow under an LRBA to acquire it.
- Arm’s-length related-party lease structuring (business real property).
- GST and going-concern contract structuring (with your accountant).
- Bare trust and LRBA compliance for commercial lending.
- “Business real property” confirmation — mixed-use premises (e.g. a shop with a residence above) generally don’t qualify.
Whether it’s a unit or a warehouse, we’ll structure it correctly.
Book a ConsultationThe SMSF Compliance Essentials We Manage
The 2026 Residential Borrowing Ban
From 10 August 2026, new LRBAs can’t be used to buy residential property. We confirm whether your purchase is caught, whether grandfathering or a pre-commencement transition applies, and how it can still proceed.
The Correct Buying Entity
The contract’s front page must name the right party in the right way for your state and lending structure. Getting it wrong is the single most expensive SMSF mistake — it can mean paying stamp duty twice.
Bare Trust / Custodian Arrangement
Where the fund is borrowing, the asset is held by a bare trust (custodian) until the loan is repaid. We ensure it’s properly established and compliant before exchange — now for commercial and grandfathered/pre-commencement residential arrangements.
LRBA Structuring
An LRBA has specific legal requirements. We align the loan, security and trust arrangements with both the lender’s and the ATO’s rules. From 10 August 2026, new LRBAs are available only for commercial business real property.
Execution Sequence
The order in which the contract, trust deed and loan documents are signed differs by state — and getting it out of order can invalidate the structure. We control the sequencing.
Independent Advice & Deed Stamping
Lenders require trustees and guarantors to receive independent legal advice before settlement — we provide and certify this. Where a state requires the bare trust deed to be stamped, we attend to that too.
Corporate Legal ensures your purchase is legally compliant and correctly structured. Decisions about whether an SMSF purchase suits you, and all tax, borrowing and retirement-planning matters, should be made with your accountant or licensed financial adviser.
Get the structure right from day one.
Talk to UsHow Our SMSF Conveyancing Works
Strategy Consultation
Book your free 15-minute consultation. We confirm your fund’s buying structure, the property type, and how we’ll coordinate with your accountant, adviser and broker — and explain our fixed fee clearly.
Structure & Entity Check
Before you commit, we confirm the correct purchasing entity and (where applicable) bare trust arrangement, so the contract is exchanged in exactly the right name for your state and your loan.
Contract Review & Due Diligence
We review the contract, run our searches, and — for commercial purchases — check zoning, permitted use, GST treatment and any existing leases. We negotiate amendments where needed.
Bare Trust, LRBA & Documentation
Where borrowing applies (commercial business real property, or a residential purchase contracted before 10 August 2026), we establish or review the bare trust, align LRBA documents with your lender, attend to deed stamping and provide the independent legal advice your lender needs.
Pre-Settlement Preparation
We coordinate with your lender and broker, verify adjustments, confirm all SMSF and lending conditions are met, and lock in the settlement date.
PEXA Settlement & Handover
We complete settlement electronically through PEXA and confirm the moment your fund owns the property — ready to start earning rental income.
Ready to start? Book your free 15-minute consultation.
Call TodayWhy Investors Buy Property Through an SMSF
Used well, an SMSF property purchase can offer real advantages — which is exactly why so many investors and business owners explore it:
- Greater control over how your retirement savings are invested.
- Rental income paid into your fund rather than to a third-party landlord.
- Potential tax efficiencies within the superannuation environment.
- For business owners — owning and securing your operating premises long-term.
- An asset that can be held by the fund through to retirement.
These are general observations, not financial or taxation advice. Note that from 10 August 2026, new residential purchases can’t be geared through an LRBA — whether these benefits apply to you depends on your circumstances. Please consult your accountant or licensed financial adviser.
Talk to Us
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Working Alongside Your Advisers
SMSF purchases work best when your professionals work together. We slot in alongside your accountant, financial adviser and mortgage broker — giving them the legal information they need, keeping documents moving in the right sequence, and making sure nothing falls between the cracks. If your purchase is part of a wider strategy, our residential and commercial teams can handle your other property matters too.
Residential Conveyancing
End-to-end conveyancing for home and investment purchases. Learn more →
Commercial Conveyancing
Offices, retail, industrial and business premises. Learn more →
Property Law
Structuring, titles, and broader property strategy. Learn more →
We’ll work seamlessly with your accountant and broker.
Get In TouchWhy Choose Corporate Legal for SMSF Conveyancing
SMSF Specialists
Bare trusts, LRBAs, execution sequencing and independent legal advice — handled by lawyers who do this regularly.
Residential & Commercial
One firm for both — whether your fund is buying a unit or your business premises.
Fixed-Fee Pricing
A clear, upfront fee so you can budget with confidence — no billing surprises.
A Lawyer, Not Just a Conveyancer
Your matter is run by a qualified property lawyer, giving you legal protection and strategic advice.
Coordinated With Your Team
We work hand-in-hand with your accountant, adviser and broker to keep everything aligned.
Current With the Law
Up to date with the 2026 residential borrowing changes, across NSW, VIC, QLD & WA.
Buy through your super with a firm that gets the structure right.
Book a ConsultationFrequently Asked Questions
Can my SMSF still borrow to buy residential property?
Can my SMSF buy both residential and commercial property?
What is a bare trust and why do I need one?
Why does my lender need independent legal advice?
What happens if the contract is signed in the wrong name?
Do you provide financial or tax advice on SMSFs?
Which states do you cover?
How much does SMSF conveyancing cost?
Have more questions about buying property through your super?
Ask Us DirectlyBuy Property Through Your Super, the Right Way
Buying property through your SMSF can be one of the smartest moves you make for your retirement — but only if it’s structured correctly and in line with the current rules. Corporate Legal delivers compliant, fixed-fee SMSF conveyancing for residential and commercial purchases, working seamlessly with your advisers.