Property in Super

How Aussies use their Super to invest in property.

Not all in. Just part of the strategy. See if it could form part of your retirement plan — without touching your savings.

1,000+ Aussies helped Available since 2007 No upfront costs
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So… how does it work?

Most people think their Super is locked into shares.

In some cases, it can also be used to invest in property — as part of a wider retirement strategy.

It's done through what's called a Self-Managed Super Fund (SMSF). Eligible Australians have been able to do this since 2007. It's not for everyone. But for the right person, it's a way to build long-term wealth that most Aussies have never been told about.

Important to know

This isn't about putting all your Super into one property.

It's about understanding whether property could form part of your overall strategy — alongside what you've already got.

Every situation is different. Different Super balances. Different goals. Different timelines. Which is why we always look at the numbers first — before anything else.

If it's not a fit, we'll tell you. Plain English, no pressure.

Disclaimer: This is for general factual informational purposes only and does not constitute legal, financial, tax advice. We can connect you with independent advisers and accountants to assess whether an SMSF is suitable for your personal situation.
Important rule

Investment only. You cannot live in it.

Property held inside Super must be an investment property — not somewhere you, family or related parties can live. That's a federal rule, not a hotLister rule.

Why people reach out

Real Aussies. Real stories.

From the beginning, the team provided clear, easy to understand information on SMSF and navigating a property purchase within the fund. They guided us through each step with confidence and clarity.
Hanna — QLD ★ ★ ★ ★ ★
Fantastic with all their education on property in SMSF and the purchase of our first investment property — which has put us on the right path to a better retirement.
Edward — WA ★ ★ ★ ★ ★
Initial fears were quickly put to rest by the team — and we wish we had reached out sooner. A one-stop-shop process that makes our retirement look very promising.
Ian — QLD ★ ★ ★ ★ ★
Get your free explainer

See if this could work for you.

Quick form. Two minutes. We email you a free 4-page plain-English explainer within 24 hours. No obligation, no pressure, no fees.

Step 1 of 5 · Super

What is your combined household Super amount?

Single, or combined with your partner. Ballpark is fine.

Step 2 of 5 · Age

Current Age/s

Helps us figure out the time horizon for the strategy.

Step 3 of 5 · Work

What's your work situation?

This matters for the lending side.

Step 4 of 5 · Where you're at

What best describes you right now?

No wrong answer. Helps us pitch the conversation right.

Step 5 of 5 · Get your eligibility check

Almost done. Where should we send your eligibility check?

We'll email your eligibility results within 24 hours. If it makes sense, we'll suggest a 15-min chat.

Check eligibility. No fees.

To be eligible you must meet this criteria

$250k+

In combined Super

Single, or combined with partner

$80k+

Household income

Helps the lending side

Under 60

Years young

Long-term strategy

$0
Good to know

Out of pocket. From you.

The service is structured to be paid out of your Super, not your bank account. You don't sign up, don't pay a subscription, and don't get a bill from us. It doesn't affect your day-to-day living.

Licensed adviser, accountant and lender fees apply separately.
Enquire, info & education

What actually happens when you enquire.

No call centre. No spam. No pressure. Three steps, totally on your terms.

1
You enquire

Email within minutes.

You'll get an email within minutes with a simple explainer brochure attached. Read it on your own time.

Within minutes
2
We touch base if needed

Quick info-gathering.

If we need more detail to point you in the right direction, our team might send a short message or email. No sales pitch, just clarifying questions.

If relevant
3
If eligible, a real chat

Talk through what you want to do.

If your situation looks like a fit, the team may touch base to understand what you want to achieve and explain how it could potentially work. Still no pressure.

Only if it's a fit
Common misconceptions

What people get wrong about this.

Four things we hear all the time — and what's actually true. (Still general info, not advice.)

Myth
"You need to be rich to do this."
Reality
The whole thing is structured to be paid out of your Super — not your bank account. It doesn't affect your day-to-day living. $250k+ combined Super is the typical starting point, which plenty of working Aussies hit by their 40s.
Myth
"It locks all my Super into one property."
Reality
It's about whether property could be part of your retirement strategy — alongside what you already hold, not instead of it.
Myth
"It's risky."
Reality
Property carries risk like any investment. The Super side, however, is highly regulated by the ATO. Strict rules, structured legally since 2007. Not for everyone, but not the wild west.
Myth
"I'd have to figure out the whole thing myself."
Reality
You don't. We explain the property side. Licensed accountants and advisers handle the Super side. That's why we work with a network of them.
Why people reach out

The moments that tip people over.

Not testimonials. Just the conversations that usually start this off.

"
Got my Super statement and saw the number for the first time in years. Wondered what it could actually do.
D
Daniel, 48Civil engineer · Brisbane
"
Husband and I are both in our 50s. Realised we hadn't done anything strategic with our Super and wanted to fix that.
S
Sarah, 52Nurse · Newcastle
"
Mate at work bought property through his SMSF. Thought it was too good to be true until I looked into it properly.
P
Pete, 44FIFO worker · Queensland
Our network

We work alongside the licensed pros you'd need.

We don't try to be all things. We're property specialists. For everything else, we hand you to people who do it for a living.

Licensed accountants

SMSF specialists who handle setup, compliance, audits.

Financial advisers

Licensed (AFSL) advice on suitability for your situation.

SMSF mortgage brokers

Specialist brokers with LRBA lender access.

Conveyancers

SMSF-aware solicitors who handle contracts and settlement.

Property managers

Local managers in each capital and growth corridor.

No referral kickbacks. No pressure to use ours. You can bring your own.

Want more info?

Read our education library.

Free articles. No paywall. Most are 4–8 minutes.

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hotLister agents in front of a property
The team behind hotLister

14 years of helping Aussies buy property. 5 of them in Super.

Our team have been helping people invest in property all over Australia for the last 14 years. Over the last 5 years we've seen an increasing demand of people wanting to take control of their Super and invest in property — and we've helped over 300 people purchase the right investment property inside their Super.

We don't sell. We help educate and guide you. The right property comes second to making sure the structure suits your situation, which is why we always connect you with licensed accountants and advisers first.

Why people are exploring this

A different way to think about your Super.

Not a get-rich scheme. Just a strategy worth knowing about — if it fits your situation.

A tangible asset.

See exactly where your retirement wealth sits — bricks and land, not just numbers on a screen.

Long-term thinking.

Property has been a core part of Australian wealth for generations. Time in the market beats timing the market.

More control.

Choose how your Super is invested — instead of leaving it on autopilot inside a default fund.

Diversification.

Property as a slice — alongside your existing Super, not instead of it. That's the whole point.

Still curious?

Takes two minutes to see if this could be relevant for your situation. No pressure either way.

See if you qualify
Get the free 4-page explainer →