FOR SMSF MEMBERS AND PROPERTY-MINDED INVESTORS
The rules changed. Your plan doesn't have to.
SMSFs can no longer borrow to buy residential property. But your super can still own bricks. Debt free, on title, from $75,000, with rental income from the day your property is tenanted.
6 years in market43 properties settledATO ruling in placeReviewed by ASIC
WHAT HAPPENED
The SMSF lending door has closed
In 2026 the Federal Government banned new borrowing to buy residential property inside self managed super funds. If your plan was to gear your super into an investment property, that path is now closed.
What has not changed is the demand. More than 630,000 SMSF members hold over $200 billion in assets, and a large share of them still want property in their retirement plan. The goal is not dead. It just needs a structure that works under the new rules.
630K+
SMSF members affected by the borrowing ban
$200bn+
held in SMSF assets seeking a home
$75K
is all it takes to own bricks again
THE SOLUTION
Own property with your super - no loan required
Fractional property ownership lets you, or your super fund, buy a share of a quality residential investment property outright, using cash you already hold. No lender, no loan, no interest rate risk.
01
You are on the title
Owned with a small group as tenants in common. Your name, or your fund's name, on the title. Real ownership, not units in a fund.
02
No debt
Bought with cash. No repayments, no lender. Exactly why it still works inside an SMSF under the new rules.
03
Income once tenanted
Rent is collected professionally from the day the build completes and tenants move in, paid in proportion to your share, plus any capital growth on sale.
04
From $75,000
Sold in 5 per cent tranches. Buy one or several, in one property or across a few.
05
Built for retirement
Targets income of around 9 per cent a year*, designed to become the income you retire on.
*Target based on the program's historical and modelled performance. Returns are not guaranteed and may vary.
One quality property
Owned together as tenants in common,
every owner on the title
one 65% share + seven 5% tranches
65%held by Supavest
5%
5%
5%
5%
5%
5%
5%
Your tranches (e.g. 3 x 5% = $225K)
How it works - from first click to rental income
STEP 01
Run your numbers
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STEP 02
Book a conversation
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STEP 03
Choose your tranches
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STEP 04
Settle and earn
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You go on the title, and once the property is built and tenanted, rental income starts flowing to you.
Why Us?
No surprises. You'll know what you're getting.
The property address, the numbers, the fees and the paperwork - all in front of you before you commit a dollar. We are transparent like that. No gimmicks.
WHAT YOU CAN COUNT ON
We show you everything, then you decide
Transparency
Every fee, every document and every assumption in writing before you commit a dollar.
Real ownership
Your name on the certificate of title as tenant in common. Not units, not promises.
Proven structure
An ATO ruling, an ASIC review and six years of operation stand behind the model.
Real people
A licensed specialist on the phone, not a chatbot. Fifteen minutes, no obligation.
RUN YOUR NUMBERS
See where your super could be at 67
Enter your age, super balance and income. In about two minutes the calculator models how a fractional property portfolio could build between now and retirement, and the annual income it could produce.
Example: a 48 year old on typical settings models out to 11 tranches by age 67, producing around $106,000 a year in cashflow.*
*Modelled example only, based on assumptions shown in the calculator. It is not a forecast or a promise of performance.
Run your numbers
Takes about two minutes. Pop your details in and the calculator opens on the next page - it starts with sample figures, so replace them with your own and press Run forecast.
TRACK RECORD
Six years in. Forty-three properties on.
This is not a new idea, and it is not a startup experiment. The program behind Retire On Bricks has been operating for six years, has settled 43 properties for Australian investors, holds a ruling from the ATO on the ownership structure, and has been through an ASIC review.
★★★★★ Google reviews widget goes here once real reviews exist - do not fake this.
6
years operating
43
properties settled
ATO
ruling in place
ASIC
reviewed
~9%
p.a. target income*
$75K
minimum entry
*Target income based on historical and modelled performance. Not guaranteed.
The Structure
Tenants in common. ATO ruled. ASIC reviewed.
The ownership structure behind Retire On Bricks has been examined by the regulators that matter, and has operated through six years and 43 properties. You invest on the same documentation every owner receives.
Two ways to take the next step
Start with the calculator on your own, or talk it through with a real person. Whichever suits you.
Run Your Numbers
See your own retirement picture in about two minutes. No sign-up needed to start.
Book a Conversation
Fifteen minutes with a specialist to talk through your numbers and your options. No cost, no obligation.
INSIGHTS
Straight talk on the rule change
Straight answers
No. You are not buying units in a fund. You, or your SMSF, are registered on the certificate of title as a tenant in common, owning a direct share of a specific property. You can see the address. You own the bricks.
Yes, as a property transaction, not a financial product. This is a real property purchase, held as tenants in common, a form of co-ownership that has existed for centuries. Each build is delivered under a single-part contract covered by an ATO public product ruling, and in late 2025 ASIC reviewed the tenants-in-common structure and accepted it as genuine co-ownership, not a managed investment scheme or common enterprise. Because it isn't a financial product, there is no offer document or PDS. The document to read is the contract of sale.
$75,000, which typically buys one 5 per cent tranche of a property. You can buy more than one tranche, and you can spread tranches across different properties.
The program targets income of around 9 per cent a year, based on its historical and modelled performance, plus your share of any capital growth when the property is sold. Returns are not guaranteed and will vary with rents, costs and the property market.
Yes. The ban applies to borrowing inside super. Fractional ownership is a cash purchase with no debt, which is why it still works. Trustees should check the investment fits their fund's investment strategy and seek advice where needed.