One home.
Two ways
to own it.

The homes, the fixed prices and the people you’ll speak with are the same. What changes is who owns the home, how it’s paid for and who else is involved.

Request a callback See the differences

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

The same homes.
Two sets of rules.

With savings or a loan

Start with savings or a loan

Who owns it

You

Or you and the people you buy with.

Paid with

Savings, a loan or both

A licensed broker or lender tells you what they’d need.

Who helps

A broker or lender, a conveyancer and your accountant

Living in it later

Yes

You can move in later. Ask your accountant how that changes your tax.

Tax

In your own tax return

Rent and costs go in your return. Ask your accountant how the rules apply to you.

Have ready for the call

A rough deposit figure

And whether you’ve spoken to a lender.

Through your SMSF

Start with your SMSF

Who owns it

Your fund

Held by its trustee.

Paid with

The fund’s own balance

Since 10 August 2026, a new condition narrows when a fund can borrow to buy real property.

Who helps

A licensed financial adviser, your accountant, the fund’s auditor and a conveyancer

Living in it later

No member or relative can live in it or rent it.

Tax

Inside the fund

Rent and gains are taxed inside the fund. Ask your accountant.

Have ready for the call

A rough combined balance

And whether an adviser is involved.

Facts, not a recommendation. Ask your adviser or accountant which suits you.

Not sure which suits you?

Request a callback

Two ways to buy,
answered simply.

Read all the guides

Which one should I choose?

That depends on your circumstances, and it’s a question for a licensed adviser or accountant. We don’t recommend one over the other.

Can I change my mind?

Yes. The homes are the same, and nothing is decided until you sign a contract.

Can I do both?

Some people buy one home with savings or a loan and hold another in their fund. Each purchase follows its own rules.

A clearer next step
starts with a conversation.

Bring your questions. We can talk through the process and the properties available, together.

Request a callback

One home. Two waysto own it.

The same homes. Two sets of rules.