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Not Alone. cover
$19.95 39 pages · PDF
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So your balance won't stretch to a property

Not Alone.

How to buy property with your super fund and somebody else, without breaking the rules.

Have a listen First 45 seconds of the audiobook · 4:01 in full
Getting in 18 chapters 39 pages Australian edition 2026–27 Ebook · Audiobook · Calculator

Most Australians don't have enough in super to buy a property alone. Co-ownership is the way in — and one structure lets your fund buy the other half later.

With residential held as tenants in common, your fund can never buy your share. With a 13.22C trust, it can. That single difference decides the whole strategy.

What's inside

  • Tenants in common versus a 13.22C unit trust
  • How a partner lifts a $480k fund to a $900k property
  • The creeping acquisition — buying them out over time
  • The three-year look-back that makes it an in-house asset forever
  • Whether it actually beats leaving the money alone

How it's laid out

Part oneWhy you'd do it
Part twoThe two structures
Part threeThe money
Part fourLiving with it
Part fiveThe finish line

The honest bit

Every handbook in this series shows you where the strategy loses, not just where it wins. If the numbers don't beat leaving your money alone, the book says so plainly and shows you the comparison. That's the whole point of them.

Keep going

Others in this collection

So they reckon you missed the SMSF property boat…

Says Who?

The August 2026 ban was on borrowing. It was never on owning. If your fund can buy outright, the door you thin…

So they took your super loan away…

But Did They?

Commercial property borrowing was never banned. Shops, warehouses, storage sheds — still borrowable, from lend…

So they shut the door on property in super…

Not The Farm.

Farmland in a genuine primary production business is business real property. Your fund can buy it, borrow for …

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General information only — not financial advice.