Fractional property investment - 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.

With a REIT or fund you own units in a vehicle that owns property. Here you own the property itself, jointly with a small group of other investors, with your name on the title. There is no fund manager sitting between you and the asset, and no unit price moving with the sharemarket.

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.

You can sell your tranche, or vote with your co-owners to sell the whole property and share the proceeds. Property is not a liquid asset, so a sale can take time. The exit process is set out in the ownership documentation, and we will walk you through it before you commit.

Professional property management is in place for every property: tenanting, rent collection, maintenance and reporting. Rental income is distributed to owners in proportion to their share. You are never the one fixing a hot water system.

All fees and costs are set out plainly in the contract of sale and accompanying documents you receive before you commit, and your specialist will walk you through them in your first conversation. No fee is charged for running your numbers or booking a conversation.

Retire On Bricks is the consumer brand for an established Australian fractional property program that has been operating for six years and has settled 43 properties. When you enquire, you deal with the program's licensed specialists.