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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.

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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.

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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.

Two small gabled houses side by side, blue and yellow, under a clear sky

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 residential neighbourhood from above at dusk under a lavender horizon

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

A sunny yellow timber gable with one centred window against a clean blue sky

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.

Suburban streets beneath soft layered mountains in sunset haze

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

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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.

A couple walking hand in hand along the beach

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.

Download the guide