Your super could own a real house. We'll show you how - step by step.

The minimum super balance needed for SMSF property depends on your specific situation - the property price, your borrowing capacity, and whether you're combining super with a partner all factor in. There is no single magic number. Couples can combine their super into one SMSF, which often makes a meaningful difference to purchasing power. The Delphi Scorecard helps you understand your position in under 5 minutes. If it makes sense, we'll assess your specific numbers in a free strategy chat so you know exactly where you stand - no guesswork.

SMSF setup typically costs between $2,000 and $3,500, covering the trust deed, ATO registration, corporate trustee structure, and dedicated bank accounts (Source: ATO SMSF Running Costs Guide, 2025). This is a one-off cost paid from your super fund once established. At Delphi & Co, we handle the entire setup through our S.I.M.P.L.E. Pathway. We talk about fees upfront - before you commit to anything. No hidden costs. No fine print.

Ongoing SMSF costs typically include accounting and compliance ($2,000-$4,000 per year), independent audit fees ($500-$1,000), and property management (around 7-10% of rental income) (Source: ATO SMSF Running Costs Guide, 2025). The ATO reports over 600,000 SMSFs now operate in Australia, so these costs are well-established and competitive (Source: ATO SMSF Statistics, 2025). These are standard industry costs, not Delphi & Co fees. We break down every dollar during your discovery call so there are no surprises.

SMSF property loans typically require a 20-30% deposit of the purchase price, plus additional cash for stamp duty, legal fees, and a cash buffer inside the fund (Source: SMSF Association Lending Guide, 2025). For example, a $500,000 property usually needs around $120,000-$170,000 in your fund. We map out your exact borrowing capacity in Step 3 of our S.I.M.P.L.E. Pathway - no surprises, no delays.

Delphi & Co is upfront about every fee before you commit to anything. Our costs are discussed openly during your free discovery call - no hidden charges, no fine print. We break down exactly what each stage costs so you can make an informed decision with full visibility. If SMSF property isn't right for you, we'll say so - even if it means we don't earn a cent. That honesty is why we maintain a perfect 5.0-star Google rating.