03/08/2026
Being married to a medico and us trying to juggle work and personal commitments, such wisdom is invaluable:
The SMSF rules changed on 23 June, and from 10 August you can no longer borrow to buy residential property inside your fund. If that news landed with a thud, it is worth stepping back before reacting. The real question is not what you have lost. It is why you set the fund up in the first place. For most high income professionals, residential borrowing was never the whole strategy. Control was the reason. Tax efficiency was the reason. Making super work harder than a default fund ever could was the reason. None of that has quietly disappeared because one door narrowed. It helps to read the fine print here. The ban applies to residential lending only, which means commercial property inside your fund is completely untouched.
For practice owners, that opens one of the most compelling plays in the whole structure. Your fund can own the premises, your business can pay it rent, and you effectively become your own landlord, with the rent flowing back to your own super rather than to a stranger. There is another angle worth sitting with too. If the borrowing capacity in your own name is already spent across your home and your investments, your super may be the lever you forgot you owned. It has been sitting there the whole time.
Watch the YouTube segment, found in the comments!
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Produced by Derrick Yeoh at SoundMesh.