A: Standard two-part contracts are contracts that have separate contracts for the land developer (who owns the land) and another separate contract for the house builder (who will build your house).
A: The key is to ensure your finance is pre-approved and ready to go before we start shortlisting properties. The property market, especially land and new builds, is moving extremely quickly—many developers will only hold land for 24 hours or less.
When you find a property you like, we’ll need to confirm with the builder or developer that it’s still available, then submit an Expression of Interest. (EOI) and pay a small holding fee, usually around $1,000–$2,000. To avoid missing out, you’ll want to be prepared to act quickly with your deposit and financing in place.
Getting your finances organised upfront means you’ll be in the strongest position to secure the right property as soon as it becomes available.
A: Once you’ve selected your preferred block of land and home design, the first step is to complete an Expression of Interest (EOI) and pay a small holding fee (usually around $1,000–$2,000). This secures the land while contracts are being prepared.
Next, you’ll be asked to sign the land contract and pay the required land deposit (typically 5–10% of the land price, depending on the developer). At the same time, your chosen builder will issue a build contract, which generally requires a separate deposit (often around 5% of the build price).
Once both contracts are signed and deposits are paid, everything is locked in, and the land is officially taken off the market. From there, the land will move through council and registration (if not already registered), and the build process will follow the normal staged construction schedule.
You’ll receive progress updates at each milestone, and your lender will release progress payments to the builder throughout construction. When the home is complete and settlement is finalised, you take ownership and the property is ready to move into or rent out.
A: The key difference comes down to the layout and level of independence each property type offers:
In short, rooming houses lean towards independent living, while co-living focuses on shared spaces with some private amenities.
A: While both dual key and duplex properties involve two dwellings under one roof, the key difference lies in the title structure:
In short, a dual key is two rentals under one title, while a duplex is two separate homes with their own titles.
A: Normally, new residential builds are sold under two separate contracts—one for the land and another for the build. However, under the Superannuation Industry (Supervision) Act 1993 (SIS Act), an SMSF with borrowings is not allowed to purchase a property this way.
To comply, any SMSF property purchase involving finance must be done as a single contract. This means the land and build must be bundled together—or you must purchase a completed property—so the transaction is treated as one contract.
A: The first step is to ensure that your SMSF is established and that your superannuation funds have been rolled over from your industry fund. This is important because the property market—particularly land—moves extremely fast. Many developers will only hold land for 24 hours or less.
Once you’ve identified a property you like, we need to immediately confirm availability with the builder and place it on hold. At that point, you’ll need to be ready to proceed.
By having your SMSF set up and your funds ready, you’ll be in the best position to act quickly and secure the right property when the opportunity arises.
A: Depending on the property type and the facilitator structuring the single part contract, your SMSF will generally need to contribute a 20–35% deposit of the total contract price. This deposit is paid directly from your SMSF balance.
The remaining balance is typically covered by an SMSF loan, with lenders usually offering 65–80% loan-to-value ratio (LVR).
A: Traditionally, SMSF investors were restricted to apartments, townhouses, existing properties, or the rare new build that could be sold as a complete single contract. This limited choice for those wanting a brand-new residential property inside their SMSF.
At Super-Realty, we work with trusted facilitators who specialise in creating single-part contracts. They combine the land and build it into one seamless contract, making the property eligible for SMSF purchase with borrowings.
This means we can now offer investors a wide range of new house and land packages that are already structured as single part contracts—ready for compliant SMSF investment.
A: We provide access to a wide range of compliant investment options, including:
If you’ve already found a two-part house & land package yourself, we can also assist in converting it into a single part contract—making it SMSF-compliant. Talk to us today, and we can quickly calculate the numbers and structure the package for you.
A: Yes, there are additional costs involved when a third party restructures a two-part house & land package into a single part contract. However, for most investors, these costs are far outweighed by the benefits of owning property inside an SMSF—especially when you consider the tax advantages and capital gains tax concessions available.
We always recommend speaking with your financial advisor to ensure you understand the benefits and how they apply to your personal situation.
A: Unfortunately, not. While we can help you source a property that fits your price range and deposit, we are not licensed financial advisors and cannot advise whether the purchase suits your personal circumstances.
We strongly recommend having this discussion with your own financial advisor first. If you don’t have one, we can introduce you to trusted advisors.
A: Once we’ve confirmed the property is available, you must complete a sales advice form (we’ll provide this) and pay an initial holding deposit (plus any additional fees required by the land developer or builder).
After this, the formal land and build contracts are issued and sent to you for review and signing. Once signed, the balance of your deposit (typically 20–35% of the purchase price, minus the deposit already paid) will be due.
From there, you can sit back and let the process unfold. There may be a few months where things are quiet while the property moves through council approvals, but you’ll receive updates at each major stage of the build. About three months before completion, you’ll need to reconnect with your mortgage broker to finalise your settlement funding.
Once settlement takes place, you officially own your new property.
A: Yes, there are some additional costs to budget for when purchasing a property. These typically include stamp duty (payable on settlement) and conveyancing or legal fees. You may also incur costs for independent financial or tax advice if you choose to seek professional guidance before purchase. Factoring these in upfront will give you a clearer picture of your total outlay.
A: NDIS properties are homes that have been specifically designed and built to meet the standards of the National Disability Insurance Scheme (NDIS). The NDIS is an Australian Government initiative that funds accommodation and support for people with disabilities, enabling them to live in certified housing that suits their needs.
For investors, NDIS properties can be attractive because rental income is backed by government funding, providing secure and potentially higher-than-average returns. However, these properties are generally more expensive to construct due to the specialised requirements.
There are four NDIS housing design categories:
NDIS homes are built to cater to one or more of these categories, ensuring they meet the diverse needs of tenants.
