Buying vacant land in an SMSF: what to know
Some buyers consider buying land through a self-managed super fund. The rules are strict, so here's an overview.
Some Hidden Valley enquiries come from people with self-managed super funds. Buying land in an SMSF is possible, but the rules are strict.
The sole purpose test
An SMSF must be run for the sole purpose of providing retirement benefits. Land bought by an SMSF generally can’t be used by members or their relatives, for example as a holiday spot.
Buying from related parties
There are strict rules about buying assets from related parties.
Borrowing
SMSFs can borrow under specific arrangements, but there are restrictions, including limits on using borrowed money to improve the asset.
Building
Building on land owned by an SMSF has its own rules, especially if the land was bought with borrowed funds.
Advice is essential This is general information only. Speak to a licensed financial adviser, SMSF specialist or accountant before buying property in super.
What comes with every lot
Power, water, NBN, fencing and clearing, all included. See the inclusions →
Common questions
Can an SMSF buy vacant land?
It can, subject to strict rules. Get specialist advice first.
Can I use SMSF land for holidays?
Generally not. Members and related parties usually can’t use SMSF property.
Questions? Talk to Terry.
Ask about lots, the contract, building or visiting and Terry will call you back.
- $10,000 deposit secures your lot
- Nothing more to pay until settlement in mid-2027
- Construction commences October
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