Tax and legal advice

Investors ask: SMSFs, property and divorce

By Martin Jandera

"I'm interested in investing in property in my SMSF with my wife. What are the difficulties should we get divorced and how do we go about managing the risks?"

Investing in property through your SMSF can pose a number of di culties in the event of a divorce. The main difficulty faced by trustees of SMSFs holding direct property investments is deciding how to roll out the benefits of one of the members, plus any amounts that need to be split to the departing member without having to sell the property itself.

Quite often though,trustees will have little option but to sell the property to raise the necessary proceeds to pay out the departing member and meet any other requirements of a consent order. Selling the property in such circumstances may see the property fall short of its potential value and force the incursion of agent’s sales commissions, capital gains tax and other fees.

Further difficulties arise where a loan has been used to secure the property as any resulting loan restructure may fail, forcing the sale of the property.

In splitting a member’s balance, the sale of the property may inadvertently see the fund breach the splitting process, something the trustees would need to avoid.

Managing the risks of divorce and its impact on direct property investments is difficult. Finding solutions to prevent the sale of a property may be easier for a larger fund than a smaller one.

It is important to carefully consider these risks before purchasing direct property and where divorce is a higher probability, consider the benefits of avoiding direct property investments.

Martin Jandera, director, Super Property Concierge 

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With the softening market impacting property values in many parts of Australia, Sally Dale, Opteon state director for NSW, ACT and Qld joins us to discuss the importance of valuations in the current property market

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Joining host Phil Tarrant, Sally will draw on her 25 years of experience in valuation and discuss the processes involved in arriving at a value for a particular property. She will also share how that process differs between commercial and residential properties and the difficulties which regional property valuations can present.

Sally will unpack the importance and cost of regular valuations on your properties, discuss whether presentation and owner input can sway a valuation and share what you should look for when seeking a reputable property valuer.

If you like this episode, show your support by rating us or leaving a review on iTunes (The Smart Property Investment Show) and by following Smart Property Investment on social media: FacebookTwitter and LinkedIn.

If you have any questions about what you heard today, any topics of interest you have in mind, or if you’d like to lend your voice to the show, email [email protected] for more insights!

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Sydney
Brisbane
Adelaide

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A softening market can be a difficult time for a property investor with finance approval tightening and property capital growth slowing, and while many real estate agents are also feeling the squeeze McGrath Brighton Le Sands' Bill Tsounias claims it is simply the market returning to normal.

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In this episode of the Smart Property Investment Show, Bill joins host Phil Tarrant to share his thoughts on the current Sydney property market, and to share the shifts that he has seen in house and unit sale prices following their worst quarter in the past decade.

Bill will unpack why properties are spending longer on market, share what he believes property investors are doing wrong when trying to sell their properties and share the secrets to getting the best out of a real estate agent and an auction in the current softening market.

If you like this episode, show your support by rating us or leaving a review on iTunes (The Smart Property Investment Show) and by following Smart Property Investment on social media: FacebookTwitter and LinkedIn.

If you have any questions about what you heard today, any topics of interest you have in mind, or if you’d like to lend your voice to the show, email [email protected] for more insights!

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Gavin Kemp and his now-fiancé bought their first property together after only six months of dating. They weren’t even living together at the time. Now, two years on, the pair have bought five properties, sold two and have a solid plan in place for their ongoing property journey. 

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In this episode of the Smart Property Investment Show, Gavin joins host Phil Tarrant to discuss how he chose the locations where he decided to invest and how, due to the initial lack of education (something that he now values highly), he lost money on his first two investments.

Gavin will share his thoughts on the current property market, reveal the people who he has leaned on throughout his property journey and discuss why his strategy employs a zero procrastination rule.

If you like this episode, show your support by rating us or leaving a review on iTunes (The Smart Property Investment Show) and by following Smart Property Investment on social media: FacebookTwitter and LinkedIn.

If you have any questions about what you heard today, any topics of interest you have in mind, or if you’d like to lend your voice to the show, email [email protected] for more insights!

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A joint property portfolio before they were even living together

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