SMSF Borrowing Changes: Why the Window to Buy House and Land Packages in South East Queensland May Be Closing

Understanding the proposed SMSF residential borrowing rules, and what they mean for investors looking to build in South East Queensland.

Quick answer: The Federal Government has announced it will prohibit future borrowing for residential property within Self-Managed Super Funds (SMSFs). Once legislation passes, a 45-day transition period applies before the restriction takes effect. The key date is when contracts are executed, not when the property settles. Dwyer Property Investments currently has three SMSF-suitable house and land packages available in South East Queensland from approximately $900,000.

What Is Changing With SMSF Borrowing for Residential Property?

For many Australians, borrowing within an SMSF has been one of the most effective ways to build long-term retirement wealth through residential property. It's the difference between needing the full purchase price sitting in your super fund, and controlling a $900,000 asset with as little as $200,000- $300,000 in equity.

That door is starting to close. The Federal Government has confirmed plans to prohibit future SMSF borrowing arrangements for residential property. If the legislation proceeds as proposed, opportunities to leverage superannuation into quality residential assets are set to become significantly more restricted.

When Do the SMSF Borrowing Changes Take Effect?

The exact date hasn't been locked in. What we do know:

• Restrictions apply following a 45-day transition period once the bill passes
• The critical date is contract execution, not settlement
• Investors who exchange contracts before the cut-off are expected to remain eligible to proceed

Because the timeline is tied to parliamentary process rather than a fixed calendar date, investors who want to use this strategy have a narrowing - but still open - window to act.

How Dwyer Property Investments Can Help You Act Before the Window Closes

Dwyer Property Investments is one of the rare direct-build operations offering a single-contract purchase of a brand new house and land package for SMSF buyers. A single contract simplifies the compliance process and can enable full depreciation and tax benefits within your fund.*

Above: Lot 612, Sagebrush Street, Central Springs Estate, Moreton Bay - one of three SMSF-suitable house and land packages currently available.

We currently have three SMSF-suitable investment opportunities, with prices starting from approximately $900,000, located across South East Queensland - one of Australia's strongest-performing property corridors. The region continues to benefit from interstate migration, major transport infrastructure investment, employment growth, and billions of dollars in public and private development.

Not Sure Where You Stand? We Want to Hear From You Anyway

Whether you've ticked every box below or none of them yet, it's worth reaching out. Our team can help you understand where you're at and what - if anything - needs to happen before you can act.

• Your SMSF is established and compliant
• Your investment strategy is documented
• Your bare trust is structured correctly
• An SMSF financial adviser has confirmed residential property investing suits your strategy

Already across all four? Great - we can move quickly. Still working through some of them? That's fine too - leave your details below and we'll be in touch to talk through next steps.

* This article contains general information only and does not constitute financial, taxation, legal, or investment advice. The proposed changes to SMSF borrowing arrangements are subject to the passage of legislation, and details may change. Eligibility to borrow within an SMSF depends on your individual circumstances, fund structure, and compliance status. Please consult your accountant, financial adviser, or SMSF specialist for advice specific to your situation before making any investment decision.