Discover the ‘Super’ in Your Superannuation and Property

Rates and Fees verified correct on October 22nd, 2016

There’s a lot of 'super' in your superannuation that you haven’t discovered yet. Did you know you can use your super to invest in that property you’ve always wanted?

One of the many secrets is that you need to know how to use your Self Super Managed Fund. Marcela Garza-Barba talks to Kim Easterbrook, founder of Elite Property Advisory, about discovering the "super" in your super and property.

Kim negotiates hundreds of property purchases each year for her clients, giving each client the reassurance that the numbers have been thoroughly crunched, the client’s needs have been fully met and the property has been negotiated employing the right strategy, methodology and timing — all to put her clients in the best possible position.

Kim Easterbrook

  • Founder and Officer in Effective Control of Elite Property Advisory
  • Has been an active residential property investor for over 15 years.
  • Her passion and love for real estate were the reasons for her career change from the world of accounting to property.
  • Member of the Real Estate Institute of Victoria (REIV).
  • Certificate IV in Property Services (Real Estate).

Interview with Kim Easterbrook

How can people use their super to buy property?

A few years ago, there was a change in legislation that now allows DIY super funds to borrow money to purchase property. This offers another avenue in which some investors can now purchase property.

How can I match the property I want to invest in with my future goals?

It is important to outline your goals and what you are trying to achieve from the property purchase before entering into the market. Some investors are looking for high capital growth, others are looking for high rental yields. Everyone’s circumstances are different. Generally speaking, high capital growth properties offer lower rental yields and higher rental yield properties offer lower capital growth.

If an investor is looking for wealth creation, then high capital growth properties will offer the best chances of achieving this. Properties that achieve capital growth are generally in locations where demand outstrips supply. Also look for scarcity, eg. period properties can be very good for capital growth as they are not replaceable. Look for properties which banks will lend purchasers the maximum LVR’s possible.

Because there is so much room for error in purchasing a property, it is highly recommended to engage a professional to source the property that is going to achieve your goals. A qualified fee for service buyers agent or property advisor will not only source the best property for you, but also negotiate the best price.

What's one of the best strategies when it comes to using your super to buy property?

Holding properties for as long as you can as the costs associated in buying and selling properties are high, then you need to allow enough time for your property(s) to appreciate in value to offset these costs and allow capital growth over time to increase your value of your super fund.

Which are some top tips to negotiate the best price when buying property?

Prior to purchasing a property it is extremely important that your self managed super fund has been set up and you have the funds available for the deposit. In addition to this, the property warrant and associated corporate trustee if applicable need to be in order so you are in a position to have the purchasing entity on the name of the contract of sale. This will then ensure that you are in the strongest position when negotiating as you should be able to offer 10% deposit if required and also have some flexibility in settlement dates as banks take more time to settle on self managed super fund loans then they would if the property was being purchased outside the fund.

Look for properties which banks will lend purchasers the maximum LVR’s possible.

Do you recommend a self managed or professionally managed super fund investment property? Why?

I definitely recommend buying property in a self managed super fund. I purchase property myself through my self managed super fund. Although it is not for everyone as there are ongoing costs involved in having a SMSF (Self Managed Super Fund) and anyone thinking of doing so should speak to their accountant or financial planner to ensure it is the right decision for them.

So what are you waiting for? Think about unlocking the 'super' in your superannuation fund to invest in that property you’ve always wanted. After all, now you’ve got the tips and the tricks to do so.

Marc Terrano

A passionate publisher who loves to tell a story. Learning and teaching personal finance is his main lot at Talk to him to find out more about home loans.

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4 Responses to Discover the ‘Super’ in Your Superannuation and Property

  1. Default Gravatar
    Carole | January 25, 2016

    Hi I’m looking for a lender that will lend for to buy a Display home through my SMSF

    • Staff
      Belinda | February 2, 2016

      Hi Carole,

      Thanks for reaching out.

      If you’d like to make a property purchase through your self-managed super fund (SMSF), you can learn more about how to do so on this page. Here, you can also use the comparison table to compare different SMSF home loan providers and product fees and features.

      Keep in mind that any property held by your SMSF must meet the sole-purpose test of providing retirement benefits to fund members.

      If you need personal advice regarding this purchase, you can fill out the form on the above-linked page to speak to an advisor.


  2. Default Gravatar
    Michael | May 25, 2015

    We have a SMSF and have recently bought a block of land with it. Can you borrow through the SMSF to build a house on the vacant land or should we sell and take the profit made.

    • Staff
      Belinda | May 29, 2015

      Hi Michael,

      Thanks for your enquiry. is an online comparison service, so we cannot provide advice regarding your personal situation.

      Depending on the lender, you may be able to borrow through your SMSF to build on vacant land.

      It would be best to speak with a mortgage broker or lender directly.


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