Tax and legal advice

Investors ask: Renovating properties purchased by an SMSF

By Andrew Yee

Q. Can you purchase a residential property using your self-managed super fund, gut it, renovate it completely and then sell it?

A.The short answer is yes, but there are many rules and traps to watch out for if you are considering such a project.

Firstly, the trust deed of the self-managed super fund (SMSF) should allow for investment in residential property. Most SMSF trust deeds would allow it, but some older trust deeds may not. Secondly, the fund’s investment strategy should provide for property investment and development. Thirdly, the residential property can only be purchased from an unrelated party of the SMSF.

In respect of the costs of renovation, payments for materials and labour generally can only be made by the fund and not by the fund member or a related party. If any of the labour is carried out by the fund member or a related party (for example, the fund member is a builder), this must be authorised by the trust deed. Furthermore, these people would need to have the appropriate skills to carry out the work and they would need to be paid a commercial rate for their services.

Finally, the financial aspect of such a project may not be suitable for an SMSF, given that such a project may require a lot of capital and fund members are limited under the super contribution rules as to how much they are able to contribute annually to super. Also, if the property is acquired by the fund with borrowings under a limited recourse borrowing arrangement (LRBA), the rules do not allow further borrowings to finance the cost of the renovations. Under this scenario, the renovations would need to be financed by existing funds of the SMSF, or additional contributions made by the fund members.

Andrew Yee, director superannuation, HLB Mann Judd

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With the softening market impacting property values in many parts of Australia, Sally Wood, 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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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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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.

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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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