In this episode of The Property Mindset, I’m joined again by Julian Nikolitsis from Prop Moves Australia. Together, we break down how property investing inside super actually works, when it makes sense, and where most people go wrong.
We explore why more Australians are starting to look at SMSFs, from the desire for greater control and transparency to the ability to leverage property within super and accelerate long-term growth.
To break this down, we discuss several key ideas:
• Why SMSFs are becoming more popular and what’s driving the shift
• How leverage works inside super and why it can significantly amplify returns
• How SMSF lending sits separately from your personal borrowing capacity
• The real costs involved, including setup and ongoing fees
• The most common mistakes, particularly around poor asset selection
• The key rules and limitations that differ from investing in your personal name
We also unpack the practical realities, including why depreciation matters less inside super, why growth-focused assets are critical, and how SMSFs can be used alongside personal investing strategies rather than replacing them entirely.
By the end of the episode, the focus is on clarity. Understanding when an SMSF property strategy is appropriate, how it fits into your broader financial position, and why getting the right structure and advice matters far more than chasing the idea itself.
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