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The Bell Morgan guides

A little reading.
A lot more clarity.

Take your time. Understand the process. Find the questions worth asking before you make a decision.

A paved path through native planting leads to a recessed timber entry

Start with the rules · 4 min read

What changed for SMSF residential property borrowing on 10 August 2026

A new condition narrows when a fund can borrow to buy real property. It does not stop a fund from owning a residential property bought without borrowing.

Start here

Start hereRules · 4 min read

What changed for SMSF residential property borrowing on 10 August 2026

A new condition narrows when a fund can borrow to buy real property. It does not stop a fund from owning a residential property bought without borrowing.

Soft morning light crosses a timber floor beside an opening to a small green garden

The numbers · 4 min read

Is my SMSF balance enough to buy a home?

A balance is a starting number, not a purchase approval. The cash in the fund, purchase costs and a reserve all matter.

A brick and render townhouse with a small fenced front garden in morning light

Ownership · 4 min read

What co-owning property with an SMSF involves

A fund may hold a distinct share of an asset, but who the other owner is and how each payment works can change the legal result.

A timber house frame on a concrete slab behind orange safety fencing under an overcast sky

Getting started · 4 min read

What setting up an SMSF involves

An SMSF is a fund trustees run, not a property-buying form. The decision starts with independent advice and continues long after any purchase.

Understand the costs

Warm interior light and blue-hour reflections meet at a textured render and timber window detail

Costs · 4 min read

What an SMSF property purchase costs

The contract price is only one line. Work through transaction, building, property and fund costs before deciding what cash is available.

A compact two-storey family home with dark upper cladding and a small balcony

Risks · 4 min read

The risks of holding a new home in an SMSF

A new build can still have empty weeks, construction problems and costs a fund must pay in cash.

Know the process

A modest single-storey pale-brick home with a dark roof and native front garden

Buying outright · 4 min read

Buying a new home outright in an SMSF

Without a loan, the fund still needs a sound investment decision, the right purchaser on the contracts, and cash for the build and what follows.

Two upholstered timber chairs beside a garden window in soft afternoon light

The conversation · 4 min read

What happens after you ask Bell Morgan to call

The first conversation is about the property facts and your questions. It is not a decision about whether an SMSF or a purchase suits you.

One place to keep the essentials

Something to
come back to.

A short guide to SMSF property, the numbers and the questions to take to your advisers.

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