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SMSF property lending is over. Now what?

06 JUL 2026 By Robyn Tongol 2 min read Investor Strategy

Thousands of property investors just lost one of their most powerful wealth-building strategies. But with the clock already ticking, those who move quickly may still be able to get the SMSF options.

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On The Smart Property Investment Show, Phil Tarrant sits down with Eva Loisance from Finni Mortgages to discuss the government’s decision to ban borrowing through self-managed super funds (SMSFs) for residential property and what it means for investors.

The pair explain why the reforms have sent shockwaves through the industry, triggering a race to secure existing SMSF lending before the transition window closes and leaving many investors scrambling to understand what happens next.

 
 

The discussion reveals why the changes could stretch far beyond individual investors, with the potential to reduce rental supply, slow off-the-plan developments, and reshape how future property projects are funded.

Attention then turns to the strategies still available, including commercial property, refinancing, and alternative ownership structures, while warning investors to steer clear of rushed solutions and so-called loopholes that could create costly problems down the track.

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RELATED TERMS

Property
Property refers to either a tangible or intangible item that an individual or business has legal rights or ownership of, such as houses, cars, stocks or bond certificates.
SMSF
A self-managed super fund is a private super fund that provides benefits to its members upon retirement, directly managed by an individual for their benefit and in compliance with super and tax laws.