Senate vote passed.SMSF borrowing for residential property closes ~45 days after Royal Assent.Check your window
Window now running
Take the 10-minute Scorecard. We tell you in plain language whether your fund can purchase inside the grandfather window before the door closes around late August 2026.
Check your window nowFree. 10 minutes. We don't ask for your email until after you see your result.
ATO Compliant Framework
Built against current ATO guidance
Client-Side only
Fixed fee · zero vendor commission
Trusted by Investors
Across Australian residential property
Australian Based
Shayne Mele · national
Window status updated 24 June 2026
On 23 June 2026, Labor and the Greens struck a Senate deal to close the SMSF residential property borrowing loophole. The vote is expected to pass on 25 June, with Royal Assent likely the first week of July. Once enacted:
SMSFs can no longer borrow to buy residential property. LRBAs for residential are gone.
Existing arrangements are grandfathered. If your fund signs contracts before the enactment date, you're protected
There's a 45-day transition window after Royal Assent. Funds with bare trust + loan pre-approval can still exchange contracts inside this window. Settlement itself can fall later - only the exchange date matters for grandfathering.
Cash-purchase SMSF property remains legal. This page is for funds using the borrowing window only.
The 45-day exchange window
~ early July 2026
Grandfather clock running
late August 2026
Cash only from here
The catch: Bare trust establishment. Lender approval. Trust deed amendments. Contract execution.
If you're not in motion by mid-July, you don't make the window.
Only the contract exchange has to happen inside the window. Settlement can fall later as normal.
The accountant who tells you "you don't have enough in super" is right about the rules but doesn't know what's in market. The one-stop-shop that handles your structure, your loan, and picks the property is is often the same firm that earns a five-figure commission from the developer. The ad promising "guaranteed 8% yield" is selling you the same off-the-plan apartment four hundred other SMSFs have already bought.
You don't have an information problem. You have a conflict of interest problem.
"I don't sell property. I don't take developer kickbacks. I'm an independent buyers agent through Moove, my fee comes from you, not the seller, so my advice doesn't bend toward a deal that doesn't fit."
— Shayne Mele
That's why the Scorecard tells you when the answer is no. And it's why everything that comes after the Scorecard is built around your fund — not around a property someone wants to sell you.
The methodology
The SMSF Property Filter™ is the methodology Shayne uses on every client deal. Three screens, in order — fund first, suburbs last. If any one fails, the deal doesn't proceed.
Start here. Free. 10 minutes.
The 7 ATO compliance rules and fund-readiness checks every SMSF must clear before buying property. Sole purpose, in-house asset, related-party acquisition, LRBA single-asset, improvements restriction, fund liquidity, trust deed and bare trust.
Self-serve. You'll know your tier when you finish.
Start the 7-Test Scorecard →Built live on your strategy call.
A 25-year cashflow on your specific fund. Year-by-year liquidity, contribution cap utilisation across all members, pension-phase transition, and sale-year tax under the new CGT regime. This tells us what your fund can actually carry — and at what loan size, term, and rent floor.
Most clients are surprised — the SMSF property maths starts working from around $250,000, not the $500,000 most accountants quote.
Applied on your strategy call — after the Cashflow Model.
Once we know what your fund can carry, we show you 2–3 areas of Australia that fit — scored live across 5 pillars: Fundamentals (102 pts), Supply (96), Demand (94), Sales & Price (45), Returns (32). 79% of the weight sits on durability, because single-asset LRBAs can't tolerate volatile suburbs.
You don't bring suburbs. We show you the areas. Branded scorecards in your follow-up.
If a deal fails any of the three, you'll be told. That's why the Filter exists.
If you score Go or Fix First
No mystery, no bait-and-switch. You get an honest verdict, your test-by-test breakdown, and a clear next step — in that order.
Green banner with your tier and score. No email gate to see this.
Book a free 60-minute call where we model your fund's cashflow and show you areas that fit.
Every one of the 7 ATO tests, scored Green / Amber / Red, with what landed and what didn't.
The same scorecard, in a format you can forward to your accountant.
Why this matters now
Based on the May 2026 Federal Budget announcement, negative gearing on personally-held investment property purchased after July 2027 is set to be removed. As currently drafted, SMSFs were not included in that change — meaning from that date, the SMSF structure may be the only one where rental losses can offset other income inside the fund.
This is a sequencing observation, not advice. Confirm the final legislation and your fund’s position with a licensed SMSF accountant or financial adviser before acting.
Start with the Scorecard. If you're at Go or Fix First, the sequencing is straightforward. If you're at Caution or Not A Fit, the next 12 months are when that needs to change.
Start the 7-Test ScorecardWhat you get
Go, Fix First, Caution, or Not A Fit. Honest. Auto-calculated. No human review delay.
GREEN, AMBER, or RED on each of the 7 ATO tests. You'll know exactly which rules your fund clears and which need work.
For each AMBER or RED, the standard fix path - deed amendment, bare trust setup, liquidity build, structure change. With realistic timelines.
Emailed to you. Full methodology, every threshold, every test in detail. Yours to share with your accountant.
You have an SMSF (or you're about to set one up). The fund has between $250,000 and $1.5 million in total balance. You're 5+ years from retirement, or you have at least one member who is. You're not looking to live in the property, rent it to your kids, or sell yourself the family beach house through your super.
You're not looking to live in the property, rent it to your kids, or sell yourself the family beach house through your super.
You want a property as part of your retirement strategy — and you want to do it without facing six-figure ATO penalties or sold a lemon by a one-stop-shop.
If that's you, take the Scorecard. If it's not, the methodology is stillpublic — read the PDF and come back when it fits.
Start the 7-Test Scorecard * Buyer-side only means we act exclusively for buyers — never sellers or developers. We do not hold an Australian Financial Services Licence; SMSF establishment, contribution strategy and tax decisions should be made on the advice of a licensed SMSF specialist.
Buyers Agent - buyer side only. 12+ years across Australian residential property — investment, finance, development, and SMSF acquisitions. Works through Moove Buyers Agency on a fixed fee, never a commission from developers or vendors.
The 7-Test Scorecard, the SMSF Suburb Index, and the Fund First Cashflow Model are the three screens every Shayne Mele client deal passes through. Methodology is published. Verdicts are honest. Even when the answer is no.
"My job is to be the person who tells you when the deal doesn't work. If I don't do that, nobody else will."
12+
Years in Australian property
$0
$0 developer fees
$250K
Real SMSF viability floor
Yes. No payment, no card. You give us your first name to start and your email to see your tier. That's it.
The 7 tests mirror the ATO's published SMSF compliance framework and our internal pre-flight check. The Scorecard is a screen, not advice - it tells you whether your fund is structurally ready, not whether a specific property is right.
No. If you score Not A Fit, we don't even show you a call CTA. If you score Go, Fix First, or Caution, you can take the PDF and act on your own - or book a session if you want the other two screens applied to your situation.
$0 to book. 60 minutes on Zoom. The session itself is free - Shayne runs the Fund First Cashflow Model(TM) on your fund first, then shows you 2-3 areas of Australia that fit, scored live on the SMSF Suburb Index(TM).
Nothing. No paperwork, no statements, no PDFs to upload. Just rough numbers - your fund balance, member count, and current contributions.
The Scorecard gives you a concrete reading you can take back to them. It helps separate a structural problem from a generic safe answer.
Because the job is to filter out bad deals - not to find more deals. The right answer can be yes, fix first, caution, or no.
10 minutes. Honest verdict. No paperwork. We'll tell you to wait if that's the right answer.
We don't ask for your email until after you see your tier.
Senate vote passed.SMSF borrowing for residential property closes ~45 days after Royal Assent.Check your window
Window now running
Take the 10-minute Scorecard. We tell you in plain language whether your fund can purchase inside the grandfather window before the door closes around late August 2026.
Check your window nowFree. 10 minutes. We don't ask for your email until after you see your result.
ATO Compliant Framework
Built against current ATO guidance
Client-Side only
Fixed fee · zero vendor commission
Trusted by Investors
Across Australian residential property
Australian Based
Shayne Mele · national
Window status updated 24 June 2026
On 23 June 2026, Labor and the Greens struck a Senate deal to close the SMSF residential property borrowing loophole. The vote is expected to pass on 25 June, with Royal Assent likely the first week of July. Once enacted:
SMSFs can no longer borrow to buy residential property. LRBAs for residential are gone.
Existing arrangements are grandfathered. If your fund signs contracts before the enactment date, you're protected
There's a 45-day transition window after Royal Assent. Funds with bare trust + loan pre-approval can still exchange contracts inside this window. Settlement itself can fall later - only the exchange date matters for grandfathering.
Cash-purchase SMSF property remains legal. This page is for funds using the borrowing window only.
The 45-day exchange window
~ early July 2026
Grandfather clock running
late August 2026
Cash only from here
The catch: Bare trust establishment. Lender approval. Trust deed amendments. Contract execution.
If you're not in motion by mid-July, you don't make the window.
Only the contract exchange has to happen inside the window. Settlement can fall later as normal.
The accountant who tells you "you don't have enough in super" is right about the rules but doesn't know what's in market. The one-stop-shop that handles your structure, your loan, and picks the property is is often the same firm that earns a five-figure commission from the developer. The ad promising "guaranteed 8% yield" is selling you the same off-the-plan apartment four hundred other SMSFs have already bought.
You don't have an information problem. You have a conflict of interest problem.
"I don't sell property. I don't take developer kickbacks. I'm an independent buyers agent through Moove, my fee comes from you, not the seller, so my advice doesn't bend toward a deal that doesn't fit."
— Shayne Mele
That's why the Scorecard tells you when the answer is no. And it's why everything that comes after the Scorecard is built around your fund — not around a property someone wants to sell you.
The methodology
The SMSF Property Filter™ is the methodology Shayne uses on every client deal. Three screens, in order — fund first, suburbs last. If any one fails, the deal doesn't proceed.
Start here. Free. 10 minutes.
The 7 ATO compliance rules and fund-readiness checks every SMSF must clear before buying property. Sole purpose, in-house asset, related-party acquisition, LRBA single-asset, improvements restriction, fund liquidity, trust deed and bare trust.
Self-serve. You'll know your tier when you finish.
Start the 7-Test Scorecard →Built live on your strategy call.
A 25-year cashflow on your specific fund. Year-by-year liquidity, contribution cap utilisation across all members, pension-phase transition, and sale-year tax under the new CGT regime. This tells us what your fund can actually carry — and at what loan size, term, and rent floor.
Most clients are surprised — the SMSF property maths starts working from around $250,000, not the $500,000 most accountants quote.
Applied on your strategy call — after the Cashflow Model.
Once we know what your fund can carry, we show you 2–3 areas of Australia that fit — scored live across 5 pillars: Fundamentals (102 pts), Supply (96), Demand (94), Sales & Price (45), Returns (32). 79% of the weight sits on durability, because single-asset LRBAs can't tolerate volatile suburbs.
You don't bring suburbs. We show you the areas. Branded scorecards in your follow-up.
If a deal fails any of the three, you'll be told. That's why the Filter exists.
If you score Go or Fix First
No mystery, no bait-and-switch. You get an honest verdict, your test-by-test breakdown, and a clear next step — in that order.
Green banner with your tier and score. No email gate to see this.
Book a free 60-minute call where we model your fund's cashflow and show you areas that fit.
Every one of the 7 ATO tests, scored Green / Amber / Red, with what landed and what didn't.
The same scorecard, in a format you can forward to your accountant.
Why this matters now
Based on the May 2026 Federal Budget announcement, negative gearing on personally-held investment property purchased after July 2027 is set to be removed. As currently drafted, SMSFs were not included in that change — meaning from that date, the SMSF structure may be the only one where rental losses can offset other income inside the fund.
This is a sequencing observation, not advice. Confirm the final legislation and your fund’s position with a licensed SMSF accountant or financial adviser before acting.
Start with the Scorecard. If you're at Go or Fix First, the sequencing is straightforward. If you're at Caution or Not A Fit, the next 12 months are when that needs to change.
Start the 7-Test ScorecardWhat you get
Go, Fix First, Caution, or Not A Fit. Honest. Auto-calculated. No human review delay.
GREEN, AMBER, or RED on each of the 7 ATO tests. You'll know exactly which rules your fund clears and which need work.
For each AMBER or RED, the standard fix path - deed amendment, bare trust setup, liquidity build, structure change. With realistic timelines.
Emailed to you. Full methodology, every threshold, every test in detail. Yours to share with your accountant.
You have an SMSF (or you're about to set one up). The fund has between $250,000 and $1.5 million in total balance. You're 5+ years from retirement, or you have at least one member who is. You're not looking to live in the property, rent it to your kids, or sell yourself the family beach house through your super.
You're not looking to live in the property, rent it to your kids, or sell yourself the family beach house through your super.
You want a property as part of your retirement strategy — and you want to do it without facing six-figure ATO penalties or sold a lemon by a one-stop-shop.
If that's you, take the Scorecard. If it's not, the methodology is stillpublic — read the PDF and come back when it fits.
Start the 7-Test Scorecard * Buyer-side only means we act exclusively for buyers — never sellers or developers. We do not hold an Australian Financial Services Licence; SMSF establishment, contribution strategy and tax decisions should be made on the advice of a licensed SMSF specialist.
Buyers Agent - buyer side only. 12+ years across Australian residential property — investment, finance, development, and SMSF acquisitions. Works through Moove Buyers Agency on a fixed fee, never a commission from developers or vendors.
The 7-Test Scorecard, the SMSF Suburb Index, and the Fund First Cashflow Model are the three screens every Shayne Mele client deal passes through. Methodology is published. Verdicts are honest. Even when the answer is no.
"My job is to be the person who tells you when the deal doesn't work. If I don't do that, nobody else will."
12+
Years in Australian property
$0
$0 developer fees
$250K
Real SMSF viability floor
Yes. No payment, no card. You give us your first name to start and your email to see your tier. That's it.
The 7 tests mirror the ATO's published SMSF compliance framework and our internal pre-flight check. The Scorecard is a screen, not advice - it tells you whether your fund is structurally ready, not whether a specific property is right.
No. If you score Not A Fit, we don't even show you a call CTA. If you score Go, Fix First, or Caution, you can take the PDF and act on your own - or book a session if you want the other two screens applied to your situation.
$0 to book. 60 minutes on Zoom. The session itself is free - Shayne runs the Fund First Cashflow Model(TM) on your fund first, then shows you 2-3 areas of Australia that fit, scored live on the SMSF Suburb Index(TM).
Nothing. No paperwork, no statements, no PDFs to upload. Just rough numbers - your fund balance, member count, and current contributions.
The Scorecard gives you a concrete reading you can take back to them. It helps separate a structural problem from a generic safe answer.
Because the job is to filter out bad deals - not to find more deals. The right answer can be yes, fix first, caution, or no.
10 minutes. Honest verdict. No paperwork. We'll tell you to wait if that's the right answer.
We don't ask for your email until after you see your tier.
