Most SMSF loan applications that fall over don't fall over on income. They fail because of structure, liquidity and timing, and the damage is usually done in the fortnight before anyone speaks to a lender. Self-employed trustees get caught more often than most, because the instincts that serve them in business — which is to move first and tidy the paperwork later — are the ones that cost money inside a super fund. Here are the mistakes that come up most often, roughly in the

You’ve likely heard it at a BBQ or read it on a gloomy forum: “Don’t bother with an SMSF investment unless you have $500,000 sitting there.” There is a persistent myth floating around the Australian property market that you need to be a multi-millionaire to even think about setting up a Self-Managed Super Fund (SMSF) and buying property through this fund. As we move through 2026, it’s time to take that “advice” and throw it in the bin. While having a massive superannuation