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.

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.

For Australians with sufficient combined super who want control over a tangible asset, SMSF property can deliver strong long-term returns through rental income and capital growth - all inside a structure taxed at just 15% (or 0% in pension phase) (Source: ATO Superannuation Tax Rates, 2025). Whether it's right for you depends on your balance, goals, and personal circumstances. The Delphi Scorecard helps you understand your position, and if it makes sense, we'll walk you through the numbers in a free strategy chat.