31 DAYS TO GO
- Joean Soliman
- 21 hours ago
- 3 min read
Floor plans, furniture and fixtures, measurements, and dimensions are approximate and provided for illustrative purposes only.
SMSF set up? ✓ Superannuation rolled over? ✓ Indicative borrowing in place? ✓ Property selected? NOT YET.
If that's your checklist, this information is for you — because that last box is now the one holding everything up.
From 10 August 2026, SMSFs can no longer borrow to buy residential property. To beat it, you need a contract signed before that date — settlement can come later.
You've done the hard part: the fund, the rollover, the finance. But here's what stops people at the final hurdle — the bare trust that holds the property can't be finalised without a property address, and your finance can't complete until that trust is in place.
Which means selecting the property isn't the relaxed last step. It's the pin that unlocks the finish line.
No property. No address. No trust. No settlement path.
So the question is simply: have you found the one?
A property worth a look
Here's one currently available that carries the fundamentals we look for when matching a residential asset to an SMSF strategy.
A brand-new 4-bedroom townhome, designed for modern family living and investment performance. Offering generous internal space, a dedicated study, low-maintenance living and a single contract on registered land, it's the kind of property that can suit both your SMSF strategy and your timeline.
Why it stacks up on the fundamentals:
Estimated rent of $560 per week — approximately 4.0% gross yield
Spacious 4-bedroom, 2.5-bathroom layout with double garage and study
200m² home on 153m² of registered land
Single contract structure
Low-maintenance investment suitable for long-term ownership
Estimated completion July/August 2027
Investment snapshot
Purchase price | $721,000 |
Type | Townhome |
Configuration | 4 bed / 2.5 bath / 2 garage + study |
House | 200m² |
Land | 153m² |
Estimated rent | $560 p/w |
Estimated yield | 4.0% gross |
Land status | Registered |
Contract | Single Contract |
Estimated completion | July/August 2027 |
Limited opportunities are available at this price point. Once they're committed, they're gone.
Could this be your missing piece?
With your fund, rollover and finance already in place, selecting the right property is the final step to securing a contract before the 10 August deadline.
If this opportunity fits your strategy, we'll move quickly to help you secure it. If it doesn't, we'll help you find one that does.
Reply to this email or book a time with your Calla Property Strategist today. We'll assess this opportunity against your borrowing capacity, investment goals and SMSF strategy, so you can keep your purchase on track before the lending changes take effect. 31 days remain. Let's make sure your final checkbox is ticked before time runs out.
Important SMSF Update: The Clock Is Now Ticking
The new legislation restricting SMSF borrowing for residential property officially received Royal Assent on 26 June 2026, triggering a 45-day transition period before the changes take full effect.
The Critical Deadline: 10 August 2026
To secure a residential property purchase using an SMSF loan under the current rules, the Contract of Sale must be signed and exchanged on or before 10 August 2026.
Importantly, settlement does not need to occur before this date. As long as contracts are fully executed before the deadline, the purchase should remain protected under the existing rules.
Why Acting Early Matters
While legislation allows purchases up until the 10 August cut-off, there is another major factor investors need to consider: Lender policy changes.
Many banks and specialist lenders are expected to tighten or withdraw SMSF residential lending before the official deadline, meaning access to finance could become more difficult in the coming weeks.
In simple terms: The legal deadline may be 10 August — but the practical lending window could close much sooner.
For investors considering SMSF residential property, timing is now critical.
The proposed SMSF lending changes referred to above are subject to legislative processes and implementation. Rental estimates, yields and market information are indicative only and should not be relied upon as guarantees of future performance. Purchasers should obtain independent financial, taxation, legal and lending advice before making any investment decision.
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Backed by extensive research, with the fundamentals for long-term wealth creation.
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