The Investmate Handbooks
Eight plain-English handbooks on Australian property and superannuation — written after the 2026 rule changes, with every number modelled and every scenario where the strategy loses left in.
Why these exist
There is an enormous amount written about whether you should buy property in super. All of it stops at the contract. After that you're on your own with a trust you didn't know you needed, a lender you'd never heard of, and rules that changed twice in 2026. These handbooks start where everything else finishes.
Property inside your self-managed super fund
Getting in · Making it pay · Getting out
7 handbooks
Property and money outside super
Property outside super
2 handbooks
Not sure where to begin?
You don't need a super fund to use this one, which is why it's the one most people should read first. A dollar on your mortgage earns your mortgage rate, guaranteed and tax‑free — at a 39% marginal rate that's the same as earning 10.08% before tax, with no risk at all.
The handbooks
Each one stands alone. Each comes with its own calculator built on the same numbers as the book, so you can put your own figures in.
Four ways in, depending on what you've got and what the rules still allow.
The August 2026 ban was on borrowing. It was never on owning. If your fund can buy outright, the door you think closed is standing wide open.
Commercial property borrowing was never banned. Shops, warehouses, storage sheds — still borrowable, from lenders writing the business today.
Farmland in a genuine primary production business is business real property. Your fund can buy it, borrow for it, and buy it from your own parents.
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.
You already hold something in the fund. These are the levers.
You bought a property inside your super with a loan. Now you're on your own with a debt that will quietly take half a million dollars out of your retirement.
Property development inside super is legal. The ATO has said so twice, in writing. It has also published two documents about the arrangements it is hunting.
Pensions, the new tax, and what happens to it all after you.
Every other handbook builds something. This one is about getting it out — and the liquidity problem nobody warns you about until it's too late to fix cheaply.
Starting with the biggest debt most Australians will ever carry.
The largest debt most Australians carry, the only one with no tax deduction, and the one almost nobody attacks. On the worked example it costs $775,594 in interest.
The 2026 Budget made every other appreciating asset worse and left the family home alone. That changed what the six-year rule is worth.
The complete set
Every strategy, every calculator, plus the combined calculator that puts all nine tools on one page — the version I'd actually use myself.
Instant download · PDF, MP3 and HTML · Yours forever
Free, no signup
Every handbook has one. They run entirely in your browser — nothing is sent anywhere and they work offline. Put your own numbers in before you buy anything.
The plain-English handbook for paying off your super fund's property years early.
How to own property inside your super without borrowing a single cent.
You can still borrow inside your super. Just not for houses.
The one property your super fund can buy, borrow for, and let you live on.
How to buy property with your super fund and somebody else, without breaking the rules.
How to kill your home loan a decade early — and use what's left to build something.
What the ATO actually permits, what it is chasing, and whether the numbers even work.
Getting the money out — pensions, the new tax, and what happens to it all after you.
What actually changed, what didn't, and the rules that still work.
Questions
No, and it never pretends to be. These are general information handbooks. They explain how the rules work and what the numbers do, so you can have a much better conversation with your accountant or adviser. Every book says this on page one and means it.
PDF, designed to be read on a screen or printed. The worksheets at the back of each handbook are built to be printed and filled in with a pen.
Immediately. You'll get a download link on the confirmation page and by email, and you can re-download any time from your account. Nothing is posted.
Yes, all nine, no signup. They're the same models the books are built on. Use them before you decide whether the books are worth it to you.
Everything is current to the 2026–27 Australian financial year, including the August 2026 borrowing changes, the negative gearing and CGT changes from the 2026 Budget, and Division 296. If the rules change materially, buyers get the updated edition free.
If you already own a geared property in super, Now What?. If you have a mortgage on your own home, Not For Long. — it has the widest audience and the most immediately usable numbers. Or ask the bot, bottom right.
General information only — not financial advice.