Port Melbourne's Self Managed Super Fund Experts

As more Australians take control of their financial future, self-managed super funds (SMSFs) have become a powerful vehicle for property investment. At MP Tax, we guide you step-by-step through setting up and managing an SMSF that puts you in charge—especially if you’re looking to grow your retirement savings with investment property.

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Comprehensive SMSF Setup & Structuring
 

We assist you in setting up your SMSF the right way, from day one. Our services include:

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Creation of the SMSF and related entities
 

• Establishing the SMSF trust deed

• Setting up a corporate trustee (recommended for flexibility and asset protection)

• Establishing custodian/bare trust structures for limited recourse borrowing arrangements (LRBAs)
   

Seamless Super Rollover
 

• Transferring your balance from your industry or retail super fund?

• We handle the entire rollover process via SuperStream, ensuring it’s fast, secure, and fully compliant with ATO requirements.
   

Ongoing Administration & Compliance
 

Running an SMSF involves strict annual compliance obligations — and that’s where we come in. We provide full support with:
 

• Preparation and lodgment of SMSF annual tax return

• Quarterly BAS/GST returns (where applicable)

• Liaising directly with a registered SMSF auditor

• Ongoing support and advice to keep your fund compliant with ATO and SIS Act rules
   

Why Choose MP Tax?
 

• Extensive experience in SMSF structuring and compliance

• End-to-end service — from setup to audit preparation and lodgement

• Expert support tailored to individual trustees or corporate trustee structures

• Advice grounded in up-to-date superannuation legislation
   

Ready to start your SMSF Journey For Your Retirement?
 

We handle everything from establishing your SMSF to managing its annual compliance, ensuring it meets all ATO requirements — so you can focus on building your retirement savings with confidence.
Contact us today to see how we can help you.

 

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SMSF FAQs
 

Can I buy residential property through an SMSF?
 

Yes – a Self-Managed Super Fund (SMSF) can invest in residential property. The property must comply with the ATO’s “sole purpose test” and be purchased for the benefit of members’ retirement savings. While the SMSF owns the property, it cannot be lived in by members or related parties, and it must be held solely for investment purposes.

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How much does it cost to set up an SMSF?
 

The cost to establish an SMSF depends on factors such as whether you use individual or corporate trustees, and whether borrowing is involved. Setup fees cover creating the trust deed, establishing trustee structures, obtaining an ABN and TFN, and registering with the Australian Taxation Office (ATO). We handle the complete setup process to ensure your SMSF meets all compliance requirements.
 

What are the rules if I want to rent the property to a family member?
 

Under superannuation law, an SMSF cannot rent a residential property to a member, relative, or any other related party — even at market rates. The investment must remain arm’s-length and cannot provide a present-day benefit to members.

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Can I live in a property owned by my SMSF?

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No — if your SMSF owns a residential property, you or any related party cannot live in it while it is held by the fund. This restriction applies regardless of whether rent is paid. Once you meet a full condition of release (such as retirement after preservation age) – then you can transfer the fund out of the fund to your personal name, and at that point you can live in it without breaching super rules.

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How much super do I need to start an SMSF?
 

There’s no minimum balance required by law to start an SMSF. However, the ATO and industry experts note that SMSFs are generally more cost-effective when starting with a higher balance, so ongoing administration and compliance costs represent a smaller percentage of your total super.

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Is borrowing for SMSF property legal?
 

Yes. An SMSF can borrow to purchase property through a Limited Recourse Borrowing Arrangement (LRBA) that meets ATO requirements. The borrowing must be structured correctly and the property held in a separate bare trust.

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