Working out how to structure your investment property
purchase is a critical consideration that must be determined before you buy
(it’s too expensive to change ownership structures later on).
Ownership structures are just part of the strategic property plan that all investors should have before they even start
looking for a property.
The right ownership structure will help you to minimise your
tax, build your wealth, and manage your risk.
Some of the commonly used investment ownership structures
include:
- Private
ownership: where you own the property in your own name, either as an
individual or jointly with another person.
- Trust
ownership: Here, a trust (controlled by a trustee) is the legal owner
of the property and holds the property for the benefit of other people
(the beneficiaries).
- Company
ownership: A company is a separate legal entity. While owning a
property in a company structure does not suit everybody, for some, the lower
tax rates of a company are an advantage.
- SMSF
ownership: For many Australians, owning a property in their
self-managed superannuation fund (SMSF) is a tax-effective way of
building a nest egg for the future, but this requires specific financial
planning advice.
It is important to note that different ownership structures
will suit different people and their different circumstances, so it's important
to get the right advice.
With RealRenta, you can efficiently manage various types of
properties, including residential, commercial, share, and student
accommodations. Our platform makes property management accessible and
affordable, costing less than a cup of coffee per week.
We also offer a free version for you to explore. I encourage you
to check it out and see how RealRenta can simplify your property management
needs.
Jason Gwerder
Friday, 10 April 2026
