Buyers Agent Services - SMSF (Self-Managed Super Fund) - Australia wide
Make a Sustainable Investment
Build a sustainable property portfolio through your SMSF by treating property like a business. With expert guidance, navigate the complexities of SMSF regulations while leveraging data, trends, and statistics to make informed decisions.
- Are you looking to buy across Australia?
- Looking to make decisions based on thorough research and data?
- Looking for both capital growth and high rental yields to maximize returns within your SMSF?
- Feeling overwhelmed or stressed by the complex and heavily regulated SMSF property rules?
- Unsure about navigating the legalities and concerned about making a costly mistake?
- Worried about due diligence and ensuring your SMSF property investment is compliant and secure?
- Seeking ongoing support from professionals who understand the intricacies of SMSF property purchases?
- Struggling with regulatory or council issues/limitations?
- Interested in learning tax minimisation strategies specific to SMSF investments?
- Want to learn the lending strategies of not getting maxed out?
- Buying interstate and don't want to do this alone?
- Want to work with a team of experienced professionals—mortgage brokers, lawyers, conveyancers, and accountants—who specialize in SMSF transactions and can guide you every step of the way?
Planning your future made Easy
The strategy, The setup, how we use data/trends/statistics
Understanding Your Capacity
- What are your suburbs/regions/areas of interest for SMSF property investment?
- What is your maximum budget for purchase within your SMSF?
- What is your ideal purchase amount versus your maximum budget?
- What has your bank or mortgage broker advised regarding SMSF lending?
- How does your SMSF balance impact your purchasing power?
Understanding Your Investment Goals
- Do you want both capital growth and cash flow, or are you focusing on one or the other?
- Are you planning for retirement, financial freedom, or a better quality of life? What is your time frame?
- Are you buying your first SMSF property or expanding your existing portfolio?
- Are you after new, established, off-the-plan, or land-and-house properties?
- Are you looking for tax minimisation strategies specifically for SMSF investments?
- Are you considering estate planning strategies for your SMSF?
- Are you only buying in capital cities or regional areas, or are you willing to follow the data?
Helping You Build Your Strategy – Get Access to Our Tool
- Your financial advisor’s direction is crucial when navigating SMSF investments.
- Gain access to a tool exclusive to Wealth Through Property that allows you to build your SMSF strategy.
- Forecast predicted buying and hold models based on your SMSF investment strategy.
- Build buy-to-sell models based on time held and debt-free scenarios.
- Stress-test your scenarios to understand your capacity for growth within your SMSF.
- Collaborate with your financial advisor or accountant to further refine your SMSF strategy.
- Seek guidance from mentors who have successfully navigated SMSF investments.
Lending, Tax Minimisation, and Land Tax Mitigation Strategies
- Understand that SMSF investments typically use bare trusts for each property, with purchasing capacity largely dependent on contributions made into your SMSF.
- Setting up an SMSF is complex and requires careful planning and expertise in financial matters.
- Learn about effective tax minimisation strategies to enhance your SMSF’s growth potential.
- Discover ways to mitigate land tax, considering varying regulations from state to state.
- Explore strategies for purchasing property through your SMSF: Should you acquire property in the name of your SMSF or use a combination of structures?
Research of All of Australia for Short-Term Pressure in a Market
- Utilize market data, trends, and statistics to identify areas currently experiencing growth for SMSF investments.
- Your investment brief is processed through third-party software, producing results across Australia in areas with immediate pressure.
- Confirm the difference between macro and micro data in relation to short-term pressure on the market.
- Analyze current market demand and inventory levels affecting SMSF property choices.
- Review recent sales data and average days on market for SMSF properties.
- Assess recent auction results and competitive offer trends relevant to SMSF investments.
- Track changes in buyer behavior and seasonal market effects that could impact your SMSF strategy.
Research of All of Australia for Long-Term Growth Characteristics
- Confirm the difference between macro and micro data in relation to long-term growth characteristics for SMSF properties.
- Monitor market sentiment, interest rates, and government policies that may affect SMSF investments.
- Stay informed about local developments and economic indicators relevant to your SMSF strategy.
- Ensure there are no flood zones, bushfire zones, or cyclone risks in your targeted suburbs.
- Check suburb demographics, employment rates, and cost of living in potential investment areas.
- Assess the percentage of investor ownership versus owner-occupiers in your chosen regions.
- Investigate environmental factors and the availability of green spaces that could impact property value.
- Research local crime rates and compare them between suburbs of interest for your SMSF.
Research at Street Level
- Assess traffic patterns, congestion, and noise levels on the street for your potential SMSF property.
- Check public transport accessibility from the street for ease of access.
- Examine proximity to local amenities like parks and community centres.
- Assess home ownership versus government housing in the area.
- Evaluate the general street appeal, property condition, and the visual appeal of neighbouring properties.
- Analyse proximity to local schools for enrolment opportunities.
- Investigate proximity to local shopping centres and essential services.
- Check for infrastructure projects and future developments that may enhance property value.
- Review amenity projects and future additions in the area.
- Consider flight paths and noise levels from nearby airports.
Important Considerations for SMSF Property Investment
- Unlike typical property investments, SMSF purchases do not allow you to access equity to grow your portfolio. This limits how you can leverage your investment for future acquisitions.
- Renovations aimed at increasing rental income also do not provide access to those funds, necessitating a focus on securing a different type of asset than you would for long-term rentals.
Our Support to You
- Offer a comprehensive hand-holding service to assist first-time SMSF buyers through every stage of the property purchasing process, ensuring they feel supported and informed.
- Clearly explain short-term market pressures and trends to help buyers understand current conditions and make well-informed decisions for their SMSF.
- Advise on the best times to make offers or attend auctions, using insights into market activity and pressure to optimize your chances of securing an SMSF property.
- Develop and implement effective strategies for competitive offers, including advanced bidding tactics and appropriate price adjustments based on current market conditions for SMSF investments.
- Ensure buyers obtain mortgage pre-approval and create a budget that accommodates market pressures, helping them stay within their financial limits for their SMSF.
- Guide buyers through thorough property inspections and research to identify potential issues early and ensure the property meets their SMSF investment criteria.
- Assist with crafting and executing negotiation strategies to enhance the likelihood of securing the property at favourable terms for your SMSF.
- Provide support in managing necessary documentation and understanding legal requirements for a smooth transaction process related to SMSF investments.
- Offer continuous assistance and maintain open communication throughout the process, promptly addressing any questions or issues that arise.
The process, sourcing, negotiating, and securing your property
The SMSF Setup
- Establishing an Investment Strategy: Develop a tailored investment strategy focusing on achieving both capital growth and income generation.
- Compliance and Regulatory Requirements: Familiarize yourself with compliance obligations, including audits, tax returns, and record-keeping. Staying informed is crucial to avoid penalties.
- Streamlined Structure Setup: The setup of structures with financial advisors to obtain pre-approval can be lengthy. We network with your professionals to ensure the process is quicker and more efficient, allowing you to focus on your investment goals.
- Professional Support and Collaboration: We can facilitate meetings with your financial advisors and accountants to build your SMSF setup and investment strategies collaboratively. This ensures you have the right framework in place for your retirement investments.
The type of property
- Conducting research to identify the recommended type of property for the intended purchase area.
- Analysing the average bedroom sizes in the suburb to determine whether a 2-, 3-, or 4-bedroom house (or more) is required.
- Evaluating average car ownership within the suburb to assess the need for a garage, driveway, or street parking.
- Investigating the percentage of residents who utilize public transport for commuting to work to determine proximity to bus stops.
- Assessing the age demographics, including singles, families, individuals starting families, or retirees. (Will people upsize or downsize?)
- Researching the average size land in the suburb.
- The type of property chosen for SMSF investments will often differ from those selected for long-term rental strategies. Due to the restrictions and unique considerations associated with SMSFs, such as accessing equity or leveraging renovations, the investment approach requires careful analysis to ensure it meets both regulatory requirements and your retirement objectives.
Sourcing your property
- Contact all the local agents with your brief.
- Leverage connections within the real estate agents to gain off-market property listings from agents.
- Utilize property databases and online platforms to find potential listings.
- Leverage connections within the real estate agents to gain insights on upcoming listings.
- Send you multiple listings for properties for feedback to better understand your brief.
- Valuating add-back type properties, development potential, renovation potential etc. (Can you increase growth or cashflow on this property)
Attending inspections on your property
- On the ground professionals attending inspections on your behalf.
- Can be done from the comfort of your home via videocall or you can travel to the location in person.
- On the ground professionals will prepare a report of any concerns, repairs or additions that need to be done..
- Prepare a checklist of criteria to evaluate during inspections.
- Take detailed notes and photos during property inspections.
- Guide you through agent interaction when attending/viewing properties.
Carrying out Due Diligence on your property
- Organise building and pest on the property for you
- Review inspection reports thoroughly and discuss findings with your building and pest inspector..
- Review the property’s historical maintenance and repair records.
- Review the property’s current tenants rental ledger is applicable..
- Investigate council zoning regulations and land use restrictions.
- Confirm the property’s compliance with local building codes and regulations.
- Evaluate utility connections and the condition of essential services.
- Assess the potential for future renovations or expansions.
Negotiating your property
- Research and understand short-term pressure in the market you are buying in.
- Analyse recent sales data and recent new listings to determine competitive offer strategies.
- Develop negotiation tactics based on property market conditions and seller motivations.
- Prepare to negotiate terms beyond the purchase price, such as settlement dates, exclusions or inclusions.
- Understand and assess any counter offers and their implications.
Attending auctions on your behalf (not recommended for investment)
- Attend auctions on your behalf. (not recommended for investment)
- Research auction trends and outcomes in your target area.
- Set a clear bidding strategy and maximum bid limit.
- Attend without you their, on your behalf, if you cannot attend in person without you under your instructions.
- Monitor pre-auction activities, including private inspections and vendor feedback.
- Ensure you understand the auction terms and conditions thoroughly.
Securing your property
- Secure the property for you on your behalf.
- Confirm the terms of the sale and ensure all legal requirements are met.
- Coordinate with legal professionals to draft and review contracts before signature.
- Guide through the deposit and payment processes.
- Ensure the transfer of ownership and property title is completed smoothly.
- Review and confirm the settlement date and final settlement arrangements.
Working with your professionals till the end
- Communicate/coordinate regularly with your conveyancers or solicitors and mortgage broker/bank to confirm a smooth transaction.
- Ensure all financial arrangements, including mortgage approvals and insurance, are finalized.
- Address any last-minute issues or concerns with the property or transaction
- Review and confirm all documentation before the final settlement.
- Our on the ground professional to attend pre-settlement inspection on your behalf with or without you.
On the Ground Support Overview:
- We buy properties across Australia, but our location is based in Sydney.
- We have a network of specially selected property managers nationwide.
- Our property managers offer pre-negotiated rates, providing better and lower costs for clients then typical property investors.
- Clients are not required to use our ground support professionals and may choose their own if preferred.
More than just using a simple Buyers Agent, you will be working with a
property advisor & mentor
Why Wealth Through Property?
Lifetime mentoring
Treat property
like a business
Learn lending
Build a strategy
You can ask
questions
Build your team
Researched focused
Lifetime mentoring
Treat property
like a business
Learn lending
Build a strategy
You can ask
questions
Build your team
Researched focused
Lifetime mentoring from Scott Levoune, a property investor who built his empire in only 3 years where he could retire generating over $100k in passive income debt free
Do I need Wealth Through Property's Help?
Want to Property Invest interstate in growth Markets?
Live Interstate or Overseas? Want to Buy your home in NSW?
To busy to buy property alone causing you to miss out?
Struggling to Access Off-Market Properties and all Listings?
Constantly missing out on good Property Opportunities?
Concerned About Overpaying in a Hot Market?
Unsure How to Conduct Property Due Diligence?
Finding the Perfect Property Feels Like a Needle in a Haystack?
Searching for Support in Your Property Journey?
We ensure that you have a clear understanding of each step, offering resources and support that make your property journey straightforward and enjoyable.
Our Clients
Our service is ideal for anyone wanting to purchase investment property or extend their existing portfolio.
Our clients range from first-home buyers to people looking at expanding their property portfolios, to people who want to build small vs large portfolios, to people who want to move quickly vs slowly, passive or aggressive.
As a licenced real estate agent and buyers’ agent of long standing, our services are popular with a wide range of individuals, couples and business people.
Whether you are feeling stuck, time-poor, overwhelmed and stressed out, keep missing out, don’t want to overpay, don’t know where to buy or keep missing out on opportunities. We can cater for your needs.
Our client’s success is the most important consideration we have when you work with Wealth Through Property. We offer an end-to-end service with support and guidance along the way. You don’t need to do this journey alone when you can have a professional in your court.
Our Process: Purchasing Property Through Your SMSF
What: We begin by assessing your SMSF structure and identifying your investment objectives. While the primary focus is on growth, we recognize that preferences vary—some investors may be more comfortable with properties in capital cities, while others may prefer regional locations. We review your current SMSF balance, contribution strategies, and preferred type of residential property, whether for rental income or capital growth.
Why: Understanding your SMSF and investment goals allows us to tailor property purchases to align with your long-term financial plans and retirement strategies.
What: We assist in establishing the appropriate legal and financial structures to facilitate the property purchase through your SMSF, including setting up bare trusts if necessary. Additionally, we coordinate with financial advisors, tax professionals, and solicitors to ensure that all aspects of the SMSF property purchase are handled correctly, navigating regulatory requirements and understanding the implications of buying property through an SMSF.
Why: Properly structuring the purchase is crucial for compliance with SMSF regulations and for optimizing the financial benefits of the investment. Engaging the right professionals protects your investment and ensures compliance with superannuation laws, minimizing risks and maximizing returns.
What: Using data analytics, trends, and statistics, we analyze current market conditions and identify properties with favorable investment characteristics. We assess factors such as historical growth rates, rental yields, and demographic trends to determine optimal investment opportunities.
Why: This data-driven approach helps you make informed decisions that align with your investment goals and optimize your SMSF’s performance.
What: We conduct thorough research to identify suitable properties that meet your SMSF goals. While there are no specific SMSF rules regarding property types or rental income, lenders may specify a certain yield, and you might prefer a specific yield to minimize the need for extra contributions. We focus on properties that can generate compliant rental income while considering factors such as location and growth potential.
Why: Investing in the right property enhances the growth potential of your SMSF and ensures that it aligns with your investment strategy and financial requirements.
What: We leverage our market knowledge and negotiation skills to secure the property at a competitive price, aiming for below-market value when possible. Our strategy emphasizes presenting strong offers that align with your SMSF objectives.
Why: Effective negotiation maximizes your investment potential while ensuring a favorable purchase price for your SMSF.
What: We conduct comprehensive due diligence, including property inspections, building and pest assessments, and financial evaluations. We ensure the property meets all legal and compliance requirements for SMSF investments.
Why: Thorough due diligence safeguards your investment by confirming that the property is a sound investment choice and free from hidden issues.
What: After the purchase, we provide ongoing support to ensure your property is managed effectively within the SMSF. This includes connecting you with property managers and advising on compliance with rental agreements.
Why: Ongoing management and support are essential for maintaining the value of your investment and ensuring that it meets your SMSF’s long-term goals.
Access the right hosts, suppliers and interior designers to make the process easier.
try Our interactive
SMSF-Self-managed superfund calculator
Use our SMSF Property Calculator to explore how property investment might fit into your self-managed super fund strategy. This tool helps you compare your current age to your target retirement age, estimate potential returns, and assess how different property scenarios could contribute toward your retirement goals. With insights on cash flow and projected growth, it’s designed to give you a clearer picture of how SMSF property investments could support your plans.
