Using Superannuation to Buy Property

Your Journey, Your Trusted Melbourne Buyer’s Advocates

How a buyer’s agent can help buy in a SMSF

You may have considered being a property investor by setting up a Self-Managed Super Fund – which can provide significant benefits (for the right person) and tax advantages and can be a smart way to diversify your retirement nest egg. We have a network of professionals who specialise in this area so whilst we are the experts to assist in purchasing the right property for you, we can also put you in touch with professionals in this field to ensure you have the appropriate strategy in place to maximise your potential.

A buyer’s agent streamlines the buying process

They save you time by presenting only the most suitable properties based on your preferences,

Reduces information overload, stress and burnout

Manage all the property due diligence on your behalf giving you confidence on a sound property to purchase

Manage the auction day and negotiations

The use of a buyer’s agent can condense this process to just a few months.

Why use Elite

We specialise as a Melbourne buyers agent for first home buyers

A buyer’s agent streamlines the buying process by presenting only the most suitable properties based on your preferences, eliminating information overload and saving you time.

We are Melbourne property market specialists
We are reputable, trusted and experienced
We buy properties with capital growth
We predominately buy houses for clients
We use specialised data and research to help make decisions
We are connected to all major real estate partners
We can provide unprecedented off-market property options
We have the testimonials and experience to help you
We use our ‘buy side’ process to help find the right property
We are above all ‘we’re on your side’ leading property purchase strategy

Our process is simple

Elite Buyer Agents are here to help you in the often overwhelming experience of buying your first home.

Need a property?

We will listen in details about your property requirements and goals you are trying to achieve. After learning about your needs, we create a plan/strategy for your property success.

Search for properties

Many properties are publicly advertised for sale, many are not. Approximately 20% of the properties that we purchase are Off Market. Our Buyer Agents have extensive Real Estate Networks to give you access to more properties than those simply advertised on the internet.

Research & value

Once a suitable property has beed identified, we will conduct due diligence and ax extensive report which includes an appraisal of the property’s market value. A property negotiation should never commence without this step being completed thoroughly.

Negotiate & deliver

Our team implements tough negotiation strategies, putting you in the “Box Seat” to secure the property. Whether it’s at Auction, negotiated before Auction or Private Sale, we strive to get you best possible price.

What our clients say

Frequently asked questions

Can I use my SMSF to purchase an investment property?

Yes — provided your fund’s trust deed permits it and the purchase meets the sole purpose test under superannuation law. The property must be bought for investment purposes only and cannot be lived in or used personally by you or any related party. We strongly recommend working with an SMSF-specialist accountant or financial adviser before proceeding.

What is Elite Buyer Agents' role in an SMSF property purchase?

Our role is to find and secure the right property at the right price. We conduct the search, due diligence, and negotiations on behalf of your fund — the same process as any investor client, but with an understanding of the compliance context your purchase must sit within.

Are there restrictions on what type of property an SMSF can buy?

Yes. Residential property purchased through an SMSF cannot be acquired from a related party and cannot be rented to a related party. Commercial property has different rules and can in some cases be leased to a related business. Your financial adviser or SMSF specialist should confirm what is permissible for your fund’s specific structure.

Does borrowing through an SMSF affect what we can purchase?

If your fund is using a Limited Recourse Borrowing Arrangement (LRBA) to fund the purchase, there are additional restrictions on the type of asset and any improvements that can be made post-settlement. Elite Buyer Agents works alongside your adviser and lender to ensure the property we target is appropriate for your borrowing structure.

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Meet our team

Specialists in the Melbourne Property Market, Elite Buyer Agents are the leading Buyers Agent in Melbourne (otherwise known as Buyers Advocate) and have fostered trusting and professional relationships across multiple locations in Australia.