Most SMSF property pitches start with a listing. Mine starts with seven tests on the fund.
Balance, liquidity, contribution headroom, retirement runway, and the ATO screens that decide whether property belongs in the fund at all. Two minutes. Honest verdict: Go, Fix first, Caution, or Not a fit.
7 tests · 2 minutes · instant tier · no obligation, no spam, no seminars
The residential borrowing door inside SMSF has closed. The order of operations did not.
From 10 August 2026, new residential LRBAs inside SMSF are shut. That does not mean trustees cannot buy property in super. It means the expensive mistake is still the same one: falling for a property before the fund is ready.
Commercial borrowing inside SMSF remains a path when the business real property test and the fund's other checks clear. Either way, fund first.
The Scorecard is the front door: seven tests, two minutes, general information only.
Fund first. Then the asset.
“We finished with confidence, on strategy, and ahead of the market… Shayne gets deals done.”Kate and Kieren · 170+ listings to a shortlist in 48 hours, private treaty, dual income from day one · Read the receipt
Past results are not a reliable indicator of future performance; individual outcomes vary.
Fees named up front. The Scorecard costs nothing.
If we work together, the fee follows the asset, not a separate SMSF list price.
Commercial inside the fund (the usual path when the fund borrows): $5,000 retainer, then a success fee of $15,000 or 2% of the purchase price, whichever is greater, at unconditional exchange ($20,000 minimum, including GST). Same commercial Deal Grade engagement. Paid by you / the fund. Client-side only.
Residential inside the fund (cash purchase, no LRBA): flat $15,000 inc GST ($5,000 retainer, $10,000 at exchange).
The Scorecard and the strategy-call cash flow snapshot are free either way. If the fund is not ready, I'll tell you that too.
Can your fund hold property? Seven tests decide.
$50K+ usable cash or equity · household income $200K+ · buying in the next 1 to 3 months. Trustees often also need meaningful member balances (around $250k+ is a practical bar for property talks).
Take the free 7-Test Scorecard →General information only. Not personal financial, tax, or credit advice, and it does not consider your objectives, financial situation, or needs. Seek advice from a licensed SMSF specialist before acting on structure, contributions, or borrowing. SMSF property carries risks including loss of capital, illiquidity and regulatory change. References to LRBA rules are general information and remain subject to legislation and your adviser's advice. Past results are not a reliable indicator of future performance; individual outcomes vary. Shayne Mele does not hold an Australian Financial Services Licence. © 2026 Shayne Mele. · Privacy