Date prepared: 29 June 2026 The rules for borrowing through a self-managed super fund to buy residential property have changed. The key issue for anyone currently considering a residential property purchase through an SMSF using a Limited Recourse Borrowing Arrangement (LRBA) is timing. The short answer is this: New residential
Federal Budget 2026 Property Tax Guide The Federal Budget 2026 property tax changes have raised big questions for Australian property investors. What happens to negative gearing? How will the Capital Gains Tax change? Are family trusts still useful? What about bucket companies, SMSFs and company ownership? It can feel confusing.
If you have an SMSF and your employer pays super into that fund, Pay Day Super changes the risk. From 1 July 2026, employers will need to pay super at the same time as wages. That means there is less time to fix problems. If your SMSF is not properly
Payday Super 2026 is a change to the Super Guarantee in Australia from the 1st July 2026. Running a business is already busy. Now imagine needing to change how you pay super for every employee. That’s exactly what is coming from 1 July 2026. If you feel unsure, you are
A Practical Guide for Australian Homeowners By Garry Wolnarek | Umbrella Property Accountants Selling the family home is often one of the biggest financial decisions you’ll ever make. For many pre-retirees and long-term property owners, it represents decades of growth, memories, and financial security — and the decisions made at
Navigating a Deceased Estate: Avoiding Property Capital Gains Tax Mistakes Losing a loved one is difficult. This practical guide explains deceased estate tax rules in plain English—helping families avoid costly CGT mistakes and unnecessary stress. Managing a deceased estate can feel overwhelming. You’re dealing with grief, legal paperwork, and tax
In our October Newsletter 2025, we identify the red flags of superannuation scams and navigate the complex rules for claiming electric vehicle (EV) car expenses. We also break down the powerful small business CGT retirement exemption, explain the often-overlooked disadvantages of family trusts, and clarify the tax on redundancy payments.
Considering a SMSF setup before 30 June 2025. Pause.If there are no contributions or assets in the fund, you could be triggering thousands in avoidable compliance costs, all without gaining any strategic benefit. Why timing matters for SMSF setup Setting up an SMSF late in the financial year may feel
Seven changes impacting your super in 2025 Superannuation rules are constantly changing, and 2025 is set to bring some updates that could affect your retirement savings. Whether you’re just starting to build your super or already planning for retirement, keeping up with these changes can help you make informed decisions.
The ability to borrow money and acquire property within the superannuation environment has seen the rapid rise of self-managed super (SMSF) to now be the largest sector of the superannuation industry (measured by funds invested), eclipsing both retail funds and industry funds. Buying property inside super is not for everyone
Downsizer Contributions allow people planning for retirement to contribute proceeds from the sale of their home into superannuation to help fund their own super pensions. The government passed a measure in Feb 2022 to reduce the eligibility age for making downsizer contributions from 65 to 60 years, which will come into
