For SMSF property investment, the recommended structure involves two parts: The SMSF itself, with a non-trading corporate trustee (not an individual trustee). A bare trust to hold the property, with a separate non-trading corporate trustee. This setup is preferred by the majority of banks. The SMSF's corporate trustee manages your super fund, while the bare trust's corporate trustee holds the investment property. This arrangement ensures compliance with the ATO and offers more lending options. We can recommend an accounting firm that specialises in SMSF set-up for property investment if your existing accountant isn’t familiar with this structure.