SMSF Property Loans › Can I transfer a property I already own into my SMSF?

Can I transfer a property I already own into my SMSF?

For residential property, generally no. An SMSF is prohibited from buying residential property from a member or related party. Business real property is treated differently and can often be transferred at market value.

Written by Ross McFarlane, Licensed Mortgage Broker (Credit Representative 526725). About the author

Why this matters

This catches many people out. You cannot simply move your own home or rental into your SMSF if it is residential, even at market value. Commercial business premises are an exception and can often be acquired by the fund. The distinction is important and strictly enforced, so confirm your situation with your adviser first.

The key points

Residential from a related party is generally prohibited.
This applies even at market value.
Business real property can often be transferred.
Confirm your situation with your adviser.

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Last reviewed: June 2026

General information only. This page provides general information about home loans and is not financial or credit advice, a quote, or a guarantee, and your personal circumstances have not been considered. Lending policies, interest rates, fees and eligibility vary by lender and change over time. Always confirm your own situation with a licensed mortgage broker or lender before acting. Ross McFarlane (Credit Representative 526725) is an authorised Credit Representative of Australian Associated Advisers Pty Ltd t/a Keylend, Australian Credit Licence 392169.