24/06/2026
๐จ ๐๐๐ ๐๐๐๐
๐๐๐๐๐๐๐๐๐ ๐๐ ๐๐๐๐๐ ๐๐๐๐๐๐ ๐๐๐๐๐๐๐๐๐๐๐?๐ ๐ฐ๐ด๐ต (Government announcement on 23rd June 2026.)
The Greens have secured a deal with the Government to ban NEW SMSFs from borrowing money to buy residential investment properties. ๐
At first glance, this might sound like a solution to housing affordability.
But when you look at the facts, it raises an important question...
๐ค Will this really make housing more affordable?
Or will it simply make it harder for everyday Australians to build a comfortable retirement?
๐ฐ ๐๐๐๐ ๐๐ ๐๐๐๐
๐๐๐๐๐๐๐๐ ๐๐๐๐๐๐๐๐๐?
A Self-Managed Super Fund (SMSF) allows Australians to take control of their retirement savings.
One of the biggest advantages has been the ability to borrow money (through an LRBA) to purchase an investment property inside super.
Just like many Australians use a mortgage to buy their family home or an investment property, SMSF investors have been able to use sensible leverage to build long-term retirement wealth.
๐ ๐๐๐ ๐๐๐๐ ๐๐๐๐๐๐๐๐ ๐๐๐๐๐๐?
Let's use a simple example.
Today, if you have:
โ
$200,000 in your SMSF
You may be able to:
โ
Borrow another $300,000-$400,000
โ
Purchase a $500,000-$600,000 investment property
โ
Receive rental income
โ
Benefit from potential long-term capital growth
โ
๐๐ฎ๐ข๐ฅ๐ ๐ ๐ฌ๐ญ๐ซ๐จ๐ง๐ ๐๐ซ ๐ซ๐๐ญ๐ข๐ซ๐๐ฆ๐๐ง๐ญ ๐จ๐ฎ๐ญ๐๐จ๐ฆ๐
In simple terms, your retirement savings can access a larger asset and potentially create more wealth over time.
๐ซ ๐๐๐๐๐ ๐๐๐ ๐๐๐๐๐๐๐๐ ๐๐๐๐๐
If the changes become law:
โ ๐ก๐ผ ๐ฆ๐ ๐ฆ๐ ๐ฏ๐ผ๐ฟ๐ฟ๐ผ๐๐ถ๐ป๐ด
โ ๐ก๐ผ ๐น๐ฒ๐๐ฒ๐ฟ๐ฎ๐ด๐ฒ
โ ๐ก๐ผ ๐ฟ๐ฒ๐๐ถ๐ฑ๐ฒ๐ป๐๐ถ๐ฎ๐น ๐ฝ๐ฟ๐ผ๐ฝ๐ฒ๐ฟ๐๐ ๐น๐ผ๐ฎ๐ป๐ ๐ถ๐ป๐๐ถ๐ฑ๐ฒ ๐๐๐ฝ๐ฒ๐ฟ
โ ๐ก๐ผ ๐ฎ๐ฏ๐ถ๐น๐ถ๐๐ ๐๐ผ ๐๐๐ฒ ๐ฎ ๐๐บ๐ฎ๐น๐น๐ฒ๐ฟ ๐๐๐ฝ๐ฒ๐ฟ ๐ฏ๐ฎ๐น๐ฎ๐ป๐ฐ๐ฒ ๐๐ผ ๐ฏ๐๐ ๐ฎ ๐น๐ฎ๐ฟ๐ด๐ฒ๐ฟ ๐ฝ๐ฟ๐ผ๐ฝ๐ฒ๐ฟ๐๐
Using the same example:
๐ฆ SMSF Balance = $200,000
๐ Property You Can Buy = $200,000
That's it.
Instead of controlling a $600,000 asset, you'd be limited to buying only what your super balance can afford.
For many Australians, that could mean waiting years longer to build enough super to purchase an investment propertyโor missing the opportunity altogether.
๐ ๐๐๐๐'๐ ๐๐๐๐ ๐๐๐๐ ๐๐๐๐๐๐ ๐๐๐'๐ ๐๐๐๐๐๐๐
There are more than ๐๐๐,๐๐๐ ๐๐๐๐
๐ฌ in Australia holding over $1 trillion in assets.
Yet only around ๐๐% ๐จ๐ ๐๐๐๐
๐ฌ use borrowing arrangements.
That means almost 90% of SMSFs don't borrow at all.
Even more importantly...
๐ฆ๐ ๐ฆ๐ ๐ฏ๐ผ๐ฟ๐ฟ๐ผ๐๐ถ๐ป๐ด ๐ฎ๐ฐ๐ฐ๐ผ๐๐ป๐๐ ๐ณ๐ผ๐ฟ ๐น๐ฒ๐๐ ๐๐ต๐ฎ๐ป ๐ญ% ๐ผ๐ณ ๐๐๐๐๐ฟ๐ฎ๐น๐ถ๐ฎ'๐ ๐ฟ๐ฒ๐๐ถ๐ฑ๐ฒ๐ป๐๐ถ๐ฎ๐น ๐ฝ๐ฟ๐ผ๐ฝ๐ฒ๐ฟ๐๐ ๐น๐ฒ๐ป๐ฑ๐ถ๐ป๐ด ๐บ๐ฎ๐ฟ๐ธ๐ฒ๐.
Let that sink in.
๐ LESS THAN 1%.
So if SMSF borrowing represents less than 1% of housing lending, will banning it really solve Australia's housing affordability problem?
๐๏ธ ๐๐๐ ๐๐๐๐ ๐๐๐๐๐๐๐ ๐๐๐๐๐๐๐ ๐๐ ๐๐๐๐๐๐๐๐๐
๐๐๐๐๐ฟ๐ฎ๐น๐ถ๐ฎ'๐ ๐ต๐ผ๐๐๐ถ๐ป๐ด ๐ฐ๐ฟ๐ถ๐๐ถ๐ ๐ถ๐ ๐บ๐ฎ๐ถ๐ป๐น๐ ๐ฑ๐ฟ๐ถ๐๐ฒ๐ป ๐ฏ๐:
๐๏ธ Not enough homes being built
๐ Slow planning approvals
๐ท Labour shortages
๐งฑ Rising construction costs
๐ Strong population growth
๐น๐๐๐๐๐๐๐ ๐ ๐๐๐๐๐ ๐๐๐๐๐ ๐๐ ๐๐๐๐๐๐๐๐๐๐ ๐๐๐๐๐๐๐๐๐ ๐
๐๐๐๐'๐ ๐๐๐๐๐๐ ๐๐๐๐ ๐๐๐๐๐.
๐ฉ๐๐๐๐
๐๐๐ ๐๐๐๐ ๐๐๐๐๐ ๐
๐๐๐.
๐จโ๐ฉโ๐งโ๐ฆ ๐๐๐ ๐๐๐๐ ๐๐๐๐ ๐๐๐๐?
Not billionaires.
Not large corporations.
Not institutional investors.
The ๐ฝ๐ฒ๐ผ๐ฝ๐น๐ฒ ๐บ๐ผ๐๐ ๐ฎ๐ณ๐ณ๐ฒ๐ฐ๐๐ฒ๐ฑ ๐ฎ๐ฟ๐ฒ ๐ฒ๐๐ฒ๐ฟ๐๐ฑ๐ฎ๐ ๐๐๐๐๐ฟ๐ฎ๐น๐ถ๐ฎ๐ป๐ trying to build a better future.
๐ฉโโ๏ธ Nurses
๐จโ๐ญ Tradies
๐ฉโ๐ซ Teachers
๐งโ๐ฌ Doctors
๐งโ๐ Engineers
๐จโ๐ผ Small business owners
๐จโ๐ป PAYG workers
๐จโ๐ฉโ๐ง Families building long-term wealth
Especially those with:
โ
$150,000-$500,000 in super
โ
Younger SMSF members
โ
Business owners
โ
Australians who don't yet have enough super to buy property outright
These are the people who work hard, pay taxes and want to reduce their reliance on the Age Pension later in life.
โ ๏ธ ๐๐๐ ๐๐๐๐๐๐ ๐๐๐๐๐๐๐๐๐๐ ๐๐๐๐๐
Most Australians already worry whether they'll have enough money to retire comfortably.
The Age Pension alone isn't the retirement most Australians dream of.
That's why people invest.
That's why people plan ahead.
That's why people look for ways to build passive income and long-term wealth.
๐ญ๐๐ ๐๐๐๐ ๐จ๐๐๐๐๐๐๐๐๐๐, ๐บ๐ด๐บ๐ญ ๐๐๐๐๐๐๐๐ ๐๐๐๐๐๐๐๐๐ ๐๐๐'๐ ๐๐๐๐๐ ๐๐๐๐๐๐๐๐ ๐๐๐๐.
โค๏ธ It's about financial security.
โค๏ธ It's about independence.
โค๏ธ It's about having choices in retirement.
โค๏ธ It's about not having to work into your 70s because you can't afford not to.
๐ ๐ง๐๐ ๐ฅ๐๐๐ ๐ค๐จ๐๐ฆ๐ง๐๐ข๐ก
Should Australians be encouraged to become more self-funded in retirement?
Or should we continue reducing the tools available to everyday people trying to build their own financial future?
Housing affordability matters.
But ๐ฟ๐ฒ๐๐ถ๐ฟ๐ฒ๐บ๐ฒ๐ป๐ ๐ฎ๐ณ๐ณ๐ผ๐ฟ๐ฑ๐ฎ๐ฏ๐ถ๐น๐ถ๐๐ ๐บ๐ฎ๐๐๐ฒ๐ฟ๐ too.
๐ Build more homes = Better housing affordability.
๐ฐ Help Australians build wealth = Better retirement outcomes.
Taking away a strategy used by less than 11% of SMSFs and representing less than 1% of residential lending may make headlines...
But it's ๐๐ป๐น๐ถ๐ธ๐ฒ๐น๐ ๐๐ผ ๐๐ผ๐น๐๐ฒ ๐๐๐๐๐ฟ๐ฎ๐น๐ถ๐ฎ'๐ ๐ต๐ผ๐๐๐ถ๐ป๐ด ๐๐ต๐ผ๐ฟ๐๐ฎ๐ด๐ฒ.
What it may do is make it harder for ordinary Australians to build the retirement they've worked their whole lives for.
๐ฆ๐บ ๐๐จ๐ฎ๐ซ ๐๐๐ญ๐ข๐ซ๐๐ฆ๐๐ง๐ญ. ๐๐จ๐ฎ๐ซ ๐๐ก๐จ๐ข๐๐. ๐๐จ๐ฎ๐ซ ๐
๐ฎ๐ญ๐ฎ๐ซ๐.
Disclaimer:
The information provided is for general informational purposes only and does not constitute financial, legal, or tax advice. You should consult with a qualified professional for advice specific to your situation. No action should be taken based solely on the information provided herein.
