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Borrowing for residential or commercial property

Our SuperGear facility allows complying SMSFs to borrow to invest in residential and commercial investment property. 

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Alternatives to direct property investment

It is possible to invest in property for growth, income, diversification or small business asset optimisation, without sacrificing the benefits of a well-diversified strategy.

Listed Property via CommSec

Real Estate Investment Trusts and Exchange Traded Funds via CommSec provide an alternative to direct property investment.

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Managed Funds

Listed property investment, through a range of managed funds investing in Australian and global property and infrastructure assets, all in the one place with Colonial First State (CFS).   

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Other property investment options

Alternative ways to gain exposure to property in your SMSF.

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CommSec Advisory

CommSec Advisory can help you build or review your SMSF share portfolio to include property exposure.

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Talk to an SMSF specialist

Things you should know:

This information is prepared by Commonwealth Bank of Australia ABN 48 123 123 124 AFSL 234945. Registered office: Ground Floor, Tower 1, 201 Sussex Street, Sydney, NSW 2000. For terms and conditions of the products mentioned, please visit any of our branches, or call us on 1800 138 363, Monday to Friday, 8.30am to 5.30pm AEST.

The information contained may include general advice but does not take into account the investment objectives, financial situation and needs of any particular individual or trustee of a self-managed super fund. You should assess with the help of legal, financial and taxation advice, whether the information is appropriate in light of your own circumstances before acting on it.

Commonwealth Securities Limited ABN 60 067 254 399 AFSL 238814 (CommSec) is a wholly owned, but non-guaranteed, subsidiary of Commonwealth Bank of Australia ABN 48 123 123 124 AFSL 234945. CommSec is a Participant of the ASX Group and Chi-X Australia. To be eligible for the brokerage discount your account must settle to a CDIA and be CHESS sponsored by CommSec. Otherwise, you’ll be charged normal brokerage.

SuperGear is offered by Commonwealth Bank of Australia. Applications for finance are subject to the Commonwealth Bank’s credit approval process. Fees and charges apply. Borrowing of funds needs to be consistent with your SMSFs investment strategy and the SMSF trust deed needs an express power to borrow.

Investments in any of the Colonial First State managed investment funds are offered by Colonial First State Investments Limited ABN 98 002 348 352, AFS Licence 232468 (Colonial First State). You should read the relevant Product Disclosure Statement (PDS) carefully and assess whether the information is appropriate for you and consider talking to a financial adviser before making an investment decision. PDSs are available from or by calling Colonial First State on 13 13 36.

While potential SMSF investments have been illustrated within this content they do not represent a comprehensive suite of possible investment products and services within the guidelines pursuant to the SIS Act 1993 with ATO oversight.