Grow SMSF

16/07/2026

10/07/2026

Grow is recruiting.

Due to the very strong growth in the number of SMSF trustees we are looking after, we are seeking a high calibre Account Manager to join our team and manage a portfolio of SMSFs.

Must haves include strong communication skills, deep SMSF technical knowledge and proven experience in a similar senior level SMSF accounting role.

Australian resident applicants only.

To learn more about the role, visit our website below 👇

https://growsmsf.com.au/careers

Due to the growth of our business we are always on the lookup for excellent people to join Grow SMSF: SMSF accounting & administration jobs.

27/06/2026

The change to ban SMSFs from using limited recourse borrowing arrangements (LRBAs aka SMSF loans aka bare trust purchase) for residential property are now law.

This means the cut-off date to enter a contract to purchase a residential property (using a bare trust + SMSF loan/LRBA) is 10 August 2026 being 45 days after the law obtains royal ascent (which happened 26/06/2026). Settlement can happen after.

How fast this has moved is ridiculous. We have never seen anything like it in 20+ years working with SMSF investors.

The government has agreed to ban SMSF borrowing for residential property as part of a deal with the Greens. Here's what it means, who is affected, and your alternatives.

26/06/2026

The ban on residential property LRBAs landed in 2026 and shut the door on the strategy most SMSF trustees had in mind when they googled “borrow inside my super”. No more using a limited recourse borrowing arrangement to buy a house, unit, or apartment inside your fund.

There is, however, one property strategy where LRBA borrowing remains completely intact — and it is arguably more powerful than anything residential ever was.

Your can still borrow to buy commercial property, provided that property qualifies as business real property under s.66 of the Superannuation Industry (Supervision) Act 1993 (SIS Act).

An SMSF commercial property loan structured as an LRBA is legal, lender-ready, and — if you are a business owner — one of the smartest wealth-building moves available to you.

Read our up to date and detailed guide here 👇

Everything you need to know about an SMSF commercial property loan — how the LRBA structure works, business real property rules, lender rates and the leaseback strategy.

26/06/2026

The change to remove SMSFs ability to borrow for residential property investment passed the Senate yesterday (25/06/2026) meaning we're on track for a mid-August cut-off for new contracts to be entered into.

We've updated our article with how everything stands right now 👇

https://growsmsf.com.au/smsf-lrba-ban-2026/

24/06/2026

Kris breaks down the new details on the Labor-Greens deal banning self-managed super funds from borrowing to buy residential property.

We explain that you have 45 days from royal assent to enter into a contract (expected mid to late August), though settlement can happen anytime after.

We discuss what you need to do now: set up your SMSF and bare trust, ensure contracts are in the correct name, and allow enough time for finance approval given the expected rush of applications.

We also remind you that finding a suitable property within this timeframe may be the trickiest part, so don't rush into a purchase you wouldn't normally make.

23/06/2026

We discuss the major announcement from Canberra where Labor has struck a deal with the Greens to ban new SMSF limited recourse borrowing arrangements for residential properties. We break down what this means for existing SMSF borrowers (who are grandfathered in), the timeline for implementation (expected mid to late August), and important details about contract dates and commercial property exemptions. We also explore potential impacts on lenders, refinancing options, and alternative strategies for SMSF investors looking to invest in residential property.

23/06/2026

🚨BREAKING SMSF NEWS 🚨

Labor has done a deal with the Greens to ban SMSFs from borrowing to buy residential property, despite the fact it only SMSFs account for less than 0.5% of new residential borrowing each year.

Our article covers the proposed changes, what it means for SMSF investors, those who are part-way through an SMSF setup to buy property and what the alternatives when it comes to property investment using superannuation.

The government has agreed to ban SMSF borrowing for residential property as part of a deal with the Greens. Here's what it means, who is affected, and your alternatives.

17/06/2026

The 2026 Budget abolished the 50% capital gains tax discount for individuals and trusts and restricted negative gearing on established residential property — both from 1 July 2027.

SMSFs are carved out of both changes. So is an SMSF the most suitable option for your next property investment?

After the 2026 Budget, the 50% CGT discount is gone for individuals but SMSFs are exempt. See the real tax savings on a $650k geared property over 10 years.

16/06/2026

We've put together a balanced look at CHESS-sponsored vs custodial models for SMSF share and ETF holdings. Is there a difference in admin burden, audit impact, costs and security? What actually matters for trustees?

CHESS vs Custodian SMSF models for share & ETF holdings. Admin burden, audit impact, costs, security and what actually matters for trustees.