Can an SMSF loan still buy a house after 10 August 2026? Family house
No new loan. Every room is a home.
0 of 4 rooms count as business
Every room is lived in. None of them light up.
Room by room
- BedroomLived in
- KitchenLived in
- Living roomLived in
- BedroomLived in
- New SMSF loan
- Not allowed: it’s a home
- Cash
- Allowed, if no one related lives in it
Why
A home isn’t business real property, whoever lives in it. From 10 August 2026, a new SMSF loan can’t be used to buy one.
An SMSF can still buy a home without a loan. Nobody related to the fund can live in it or rent it, and the fund can’t buy it from a related party.
What you can do
- Buy with cash from the fund, on the usual SMSF rules.
- Already have a loan on a home from before 10 August 2026? It isn’t affected, and you can refinance it.
- Exchanged contracts before 10 August 2026? The old rules apply, even if settlement is later.
