In a recent episode of the First Property Buyer Show, host Emilie Lauer speaks with Natalia Clack, founder of Easy Super, about using self-managed super funds (SMSFs) to buy a first property investment.

The duo unpacks how SMSFs work, with the funds allowing individuals to control their superannuation and invest in property, while highlighting the responsibilities and costs involved.

Clack explains that properties purchased through SMSFs must be for investment purposes only, with strict rules preventing members or relatives from using them personally.

The discussion covers the two main purchase methods – buying outright or borrowing through a complex SMSF loan structure requiring a bare trust.

Cash flow management was emphasised as critical, with rental income and super contributions needing to cover expenses to avoid financial strain.

Tax advantages, including concessional rates on income and capital gains, were highlighted as a key benefit of SMSF property investment. Clack also notes the importance of compliance, annual audits, and professional advice to navigate legal and financial obligations.

The duo provides a detailed guide for first-time buyers considering SMSFs as a strategy to grow long-term wealth while maintaining control over their retirement savings.