How does a leveraged property compare to super invested?
Enter your details below and see a year-by-year projection of where you could end up, property inside your SMSF versus leaving it all in an industry fund. Illustrative only. Always speak to a licensed adviser before acting.
Enter your details
All figures are combined (you and your partner if applicable)
Net assets over time
Projected year-by-year net asset position, SMSF property strategy vs industry fund
Important, General Information Only. This calculator is for illustrative purposes only and does not constitute financial, tax, or legal advice. It has been prepared without taking into account your personal objectives, financial situation, or needs. Results are projections based on the assumptions entered and are not guaranteed. Property values, rental income, and investment returns can fall as well as rise. SMSF structures involve significant complexity and compliance obligations. Before making any decision regarding your superannuation or property strategy, you should obtain advice from a licensed financial adviser, registered tax agent, and qualified accountant.
Más Que Finance Pty Ltd (ABN: 14 685 024 588) is an authorised credit representative. This calculator relates to lending and general property strategy concepts only and does not constitute financial product advice.
The process
From strategy call to contract in weeks
We've done this multiple times already. Here's exactly how it works.
Free strategy call
30 minutes. We assess your super balance, income, and goals and tell you straight whether this makes sense for your situation.
SMSF setup and pre-approval
We coordinate with your accountant, set up the fund structure, and move fast on lender pre-approval, typically 1-2 weeks.
Find a property and exchange
With pre-approval in hand, we work with you to identify the right property and get contracts exchanged before 10 August.
Honest assessment
This isn't for everyone, here's who it actually suits
- Combined super balance of $150k or more
- Stable combined income (SGC covers most of the repayment)
- Time horizon of 5+ years before retirement
- Comfortable with property as a long-term hold
- Already working with an accountant or open to one
- Super balance under $100k, the deposit won't stretch far enough
- Retiring in under 5 years, sequencing and liquidity risk increase significantly
- Income is inconsistent or contract-based without certainty
- Already drawing down from super
- Not willing to take on the SMSF compliance obligations
What clients say
Real families. Real results.
"From the moment I spoke to Anthony at Mas Que Finance, he was nothing but helpful in every way. It was my first time arranging a mortgage with my super, he was always so helpful and willing to give advice. If I could give him 10 stars I would."
"Anthony is the most competent mortgage broker I've ever dealt with. His knowledge on releasing equity, trusts and all things investing is second to none. Tailored a lending strategy to suit my specific needs. Highly recommended."
"I rarely post reviews but Anthony absolutely deserves this one. If Google let me give him 10 stars, I would! He works so quickly and you can tell he not only is knowledgeable, he loves what he does!"
"Anthony helped us consolidate our debt and the results were genuinely life-changing, we saved $140,000 and cut six years off our loan term."
"Anthony has been looking after my finances for several years. Very reliable and someone who thinks about what is best for you and your family, not necessarily about his own best interest. If you want someone you can trust, Anthony is your man."
"Easy to deal with and expert advice. The breakdown of options was exactly what we needed to make the best, informed decision for our family."
The stepping stone strategy
Once your residential property doubles, sell it and step up into commercial. Commercial SMSF lending isn't affected by the August ban, and in pension phase, the rental income is tax-free. This is where the real wealth is built.
Commercial stepping stone calculator
Uses your details from the comparison above. Pulls from Calculator 1, run that first.
Choose your commercial strategy:
Want to know if this works for your situation?
Book a free 30-minute call. We'll run the actual numbers with you and tell you straight whether it makes sense.
Book your free strategy call →Or call 0402 318 667 | anthony@masquefinance.com.au