Assetora lets your SMSF own investment property — residential, commercial or rural — through a fully compliant, professionally managed structure. No personal guarantees. No compliance headaches. No day-to-day management.
Every Assetora SMSF comes with a purpose-built high interest cash account that earns 4.1% p.a. — so your rental income, reserves and idle capital are always working for you.
Net rent flows directly from the sub-fund into your cash account. No manual transfers, no chasing payments.
Cash account statements feed directly into Class Super and BGL alongside your investment data — giving your accountant everything in one place.
Access your cash any time for new investments, SMSF expenses, or pension payments. No lock-in, no notice periods.
You pick the property. Assetora handles everything else — the structure, the borrowing, the management, and the reporting.
You identify the residential, commercial, or rural property you want to own. Assetora creates a dedicated sub-fund within the Assetora Investment Fund to hold it.
Your SMSF subscribes for units in the sub-fund — typically 100% of the units in that class — giving you full beneficial ownership of the property.
Assetora arranges a non-recourse Limited Recourse Borrowing Arrangement (LRBA) secured against the property only. The borrower is Perpetual as custodian — not your SMSF. No personal guarantee required.
Assetora appoints a professional property manager for tenant selection, rent collection, maintenance and compliance. You have no day-to-day role.
Net rental income is distributed from the sub-fund directly into your Assetora SMSF Cash Account — at-call, earning a competitive rate.
All transactions feed directly into Class Super and BGL Simple Fund 360, giving your administrator and auditor real-time data for compliance and year-end reporting.
You can sell some or all of your sub-fund units on the Assetora Marketplace without triggering a sale of the property itself.
| Property value | $600,000 |
| SMSF equity contribution | $265,000 |
| LRBA (non-recourse) | $360,000 |
| Units issued to SMSF | 265,000 (100% of sub-fund) |
| Legal title holder | Perpetual as custodian |
| Borrower on LRBA | Perpetual (not the SMSF) |
| Personal guarantee | Not required |
| SMSF holds | Units in a managed fund |
The Assetora sub-fund structure separates legal ownership, custody and investment from your SMSF — which holds units only.
Holds AFSL 444365. Controls all investment and operational decisions for the sub-fund. The SMSF has no power to direct or remove the RE.
Holds legal title to the property. Acts as the borrower under any LRBA — not the SMSF. No recourse to the SMSF or its trustees.
Provides a non-recourse LRBA secured against the property only. No personal guarantee required from the SMSF trustee.
Holds 100% of the units in the sub-fund class. Receives distributions. Has no direct interest in, or control over, the underlying property or debt. This is the same position as any investor in a managed fund — regardless of unitholding size.
Download our SMSF Property Ownership Technical Explainer — prepared for accountants, administrators and auditors.
Traditional SMSF structures can't participate in house and land packages without breaching the SIS Act. The Assetora sub-fund structure solves this at a structural level.
A house and land package involves two separate contracts — land and a building contract — acquired at different times. Under a bare trust LRBA, this breaches the single acquirable asset rule (s67A) and the improvement prohibition (s67B), making borrowed SMSF funds non-compliant.
Your SMSF acquires a single financial product — units in a managed fund — on day one and holds it continuously. Assetora as RE manages the land and building contracts. Perpetual holds the title throughout. The s67A and s67B restrictions simply don't apply to your SMSF's unitholding.
Assetora creates the sub-fund. SMSF subscribes for units.
Assetora directs Perpetual to exchange the land contract on behalf of the sub-fund.
Perpetual enters the building contract as custodian/agent. Construction drawdowns managed within the sub-fund.
Assetora arranges independent valuation. Unit value updated to reflect the completed asset.
Certificate of title issued in Perpetual's name. Rental income distributes to SMSF cash account.
Not every great investment needs to be held by a single SMSF. The Assetora sub-fund structure lets multiple investors — whether SMSFs, personal accounts, family members or investment groups — co-invest into a single ASF together.
Several SMSF trustees co-invest into a single property or asset sub-fund. Each holds a proportional unit stake. Income and capital growth are distributed pro-rata. Perfect for business partners, investment clubs, or families with separate SMSFs who want shared exposure to larger assets.
Invest in the same property through both your personal account and your SMSF simultaneously. Each account holds its own units in the sub-fund — fully segregated, independently reported, with distributions flowing to the correct account. A single underlying asset, two investor positions.
Multiple family members — across different generations, entities or account types — invest together into a shared sub-fund. Each participant holds units proportional to their contribution. Distributions flow independently to each investor's account. Estate planning and intergenerational wealth, built into the structure.
Assetora creates a single ASF to hold the target asset — a property, private credit facility, or other investment.
Every participant — whether an SMSF, personal account, family trust or company — subscribes for units proportional to their contribution. Accounts are fully segregated.
Income is distributed pro-rata to each investor's Assetora Cash Account. Each investor receives their share independently.
SMSF investors get automatic Class & BGL data feeds. Personal investors receive standard investment reporting. Each entity's tax position is entirely its own.
Any investor can sell their units on the Assetora Marketplace without requiring the co-investors' approval or triggering a property sale.
Join 4,000+ investors already using the Assetora platform to build smarter, more diversified SMSF portfolios — with real property, alternative assets, and everything in between.