Category: Newsletter

Financial Planning
Insights & Advice

Expert insights, practical strategies, and market updates to help you make informed financial decisions for your future.

SMSF Rule Changes

The SMSF Residential Property Ban Explained: What Changed in 2026

On 23 June 2026, the federal government agreed to ban self-managed super funds from using new limited recourse borrowing arrangements (LRBAs) to buy residential property. The Bill passed both houses of Parliament in under 48 hours, received Royal Assent on 26 June 2026, and the ban commences on 10 August 2026.

If your SMSF already holds residential property under an LRBA, nothing changes. If you were planning to set one up, the window has effectively closed. And if you were relying on this strategy as a core part of your retirement plan, it is worth understanding what happened, what the numbers actually show, and what still works.

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Can an SMSF Still Borrow to Buy Property?

New SMSF loans for residential property are banned from 10 August 2026, the price of a Labor-Greens deal on the budget tax package. Existing arrangements are grandfathered, commercial property borrowing is untouched, and Scott and Phil’s read of the ATO data shows the market impact is close to nil.

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time beat gigger wallet

Compounding Explained Properly

A $30,000 super contribution that beat an $81,000 one. The Rule of 72. The Aussie super advantage. This is compounding explained properly, with the maths most Australians have never sat with long enough to feel.

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