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You can still borrow inside your SMSF. Just not for a house.
Small industrial units, workshops, consulting rooms and light commercial can still be bought with a loan, where they meet the business real property test.
Everyone heard the word ban.
What was actually passed was business real property only.
Those are very different sentences.
General information only, not personal financial advice. Speak with a licensed adviser about your own situation.
Read the whole thing for yourself. Free guide: https://wiproperties.com.au/smsf-guide
04/10/2026
Retiring overseas is not a daydream you sort out at 64.
The people who do it well start years ahead: the visa pathway, the currency, where their Australian assets sit.
Spring is a good time to map it, while you are thinking about the year ahead.
Plan early and you get to choose.
Leave it late and you take what you are given.
Not sure where you stand? Let's have a chat: https://wiproperties.com.au/consult
02/10/2026
Here is the detail almost everyone has missed.
The new rules restricted borrowing, not buying.
When your fund buys a property outright with its own cash, there is no borrowing arrangement, so none of the new restrictions apply.
That single distinction is what keeps a $170,000 balance in the game.
Whether it makes sense for you depends on your number, and that is a conversation worth having.
General information only, not personal financial advice. Speak with a licensed adviser about your own situation.
Free 13-page guide. No cost, no obligation: https://wiproperties.com.au/smsf-guide
The most expensive mistake in a hot market is falling in love with a property you cannot actually finance.
Get the borrowing sorted first. Know your real number, your buffer, and the structure, before you walk through a single door.
Preparation is boring right up until it is the reason you win the deal.
Have questions? We're happy to help. Schedule a call with us today: https://wiproperties.com.au/consult
27/09/2026
If your SMSF already owns a property with a loan on it, you do not have to sell. Not now, not in five years.
It has been the most common question since 10 August, and the answer surprises people every time. Existing arrangements are broadly grandfathered. You can still refinance. If you exchanged before the 10th, you can still settle.
Confirm your own fund with your accountant, because it depends on your facts.
General information only, not personal financial advice. Speak with a licensed adviser about your own situation.
The full 13-page guide is free. We'll email it to you: https://wiproperties.com.au/smsf-guide
25/09/2026
You will hear the words business real property a lot now.
In plain English it means commercial: a warehouse, a workshop, a consulting suite, a small industrial unit, used wholly and exclusively in a business.
That is the property your SMSF can still borrow to buy. It is a real option. It also behaves very differently from a house, and that is worth understanding before you jump.
Want to talk it through before you do anything? Book a call: https://wiproperties.com.au/consult
SMSF borrowing was not banned.
That sentence is wrong, and the difference matters for your options. From 10 August, a new borrowing used to buy real property can only be used for business real property (commercial).
So two things are still true that most trustees now think are gone: your fund can still borrow for commercial, and it can still buy residential outright with its own cash.
If someone told you your options are closed, they had not read it.
General information only, not personal financial advice. Speak with a licensed adviser about your own situation.
Read the whole thing for yourself. Free guide: https://wiproperties.com.au/smsf-guide
New quarter.
If the year has been all shifts and no planning, spring is the reset. You do not need a spare weekend to start. You need one honest hour: what you earn, what you hold, and what you want the next five years to look like.
The plan is what turns overtime into something that lasts.
Have questions? We're happy to help. Schedule a call with us today: https://wiproperties.com.au/consult
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19/09/2026
Everyone is talking about what changed on 10 August.
Here is what did not. Your balance did not shrink. Your fund is not in trouble. The tax treatment of super is untouched. If your fund already owns a property with a loan on it, you are not forced to sell. And a purchase made outright with the fund's own cash still involves no borrowing at all.
General information only, not personal financial advice. Speak with a licensed adviser about your own situation.
Free 13-page guide. No cost, no obligation: https://wiproperties.com.au/smsf-guide
Spring is when listings climb.
More stock on the market means more choice, and more room to be picky. It is the buyers who prepared in winter (finance sorted, numbers run, brief clear) who move calmly while everyone else scrambles.
A busy market rewards the ready, not the rushed.
Have questions? We're happy to help. Schedule a call with us today: https://wiproperties.com.au/consult
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Robina, QLD
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