Buying Property with Super Pros and Cons – Risks, Benefits & Key Insights
Buying up with Super: Weighing the Pros and Cons in 2025
Aussies are getting more curious about using their self-managed super funds (SMSFs) to get into real estate, but it’s not exactly a straightforward decision.
The numbers are a mixed bag. On one hand, we’re looking at a pretty tight rental market, with a national vacancy rate of just 1.2% in July 2025 – that’s only 37,863 properties up for grabs. It’s a sign that people are keen to rent.
House prices are still holding up pretty well, with values up 0.5% in 2025 and a total rise of 6.2% over the past year. We’re talking record highs here.
Supply is a major issue, though. New home approvals were down 6.0% in 2025 to 14,744, which means there are going to be fewer properties on the market in the future.
On the other hand, SMSFs are in a pretty good position to take advantage of this situation. As of June 2025, the average fund held $1.6 million in assets, while the average member had $881,000, which is a pretty healthy amount to put towards a property.
Interest rates have actually gone down slightly, with the ATO’s safe harbour rate for limited recourse borrowing arrangements (LRBAs) set at 8.95% for 2025-26, down from 9.35% the year before.
Deciding between the First Home and an Investment Property?
When it comes to using super to buy a property, one of the big decisions Aussies have to make is whether to go down the First Home Super Saver (FHSS) route or to buy an investment property through a Self-Managed Super Fund (SMSF). Both options have their pros and cons.
First Home with FHSS
The FHSS scheme lets individuals take up to $50,000 in voluntary super contributions (or $100,000 for couples) and put it towards a deposit.
Pros
Tax savings put your money to work faster: contributions are taxed at 15%, which is often lower than your personal tax rate (up to 32.5% or 37%).
Couples can combine their efforts: up to $100,000 released, which can give you a lot more deposit money.
It can be a useful discipline: money stays locked in super until you get ATO approval, which means you don’t get tempted to spend it.
Cons
The deposit cap can be a problem: in high-price markets like Sydney (where the median house price was $1.6m in 2025), $50-100k might only get you started.
Approval delays can slow things down: the ATO release process can take weeks, which can put a hold on your purchase plans.
It’s not as flexible as you might think: only voluntary contributions count, not your full super balance.
Investment Property via SMSF
Buying a property through an SMSF is more about long-term retirement planning. Just to be clear, you can’t live in the property or rent it out to family or friends.
Pros
Tax-efficient income: rental income is taxed at 15%, which might be 0% in the pension phase.
Capital growth could work in your favour: property values often go up over time, plus you get CGT concessions if you hold the property for more than 12 months (10% discount applies).
Diversification: adding property to your super mix helps balance your portfolio and reduce your reliance on shares, bonds, or cash.
Cons
High entry point: ASIC warns SMSFs under $200,000 may be uneconomical due to audit/admin costs.
Illiquidity: Unlike shares, property is slow to sell; retirement income may be tied up.
Compliance risks: Strict ATO rules, ongoing audits, and costly penalties for mistakes.
Market downturn exposure: A 10% property value drop directly cuts super wealth.
FHSS vs SMSF – Comparison at a Glance
FHSS is best for younger buyers chasing a first home deposit, with clear tax perks but limited power in high-price cities.
SMSF property works for experienced investors with larger balances seeking tax efficiency and long-term capital growth — but it comes with higher costs, stricter rules and bigger risks.
Check Your Eligibility First
Before you can use super to buy property in Australia, you must meet strict eligibility rules. The two main pathways are the First Home Super Saver (FHSS) scheme and property investment via a Self-Managed Super Fund (SMSF). Both options have benefits, but the eligibility criteria shape whether they are suitable for you.
FHSS Scheme – First-Home Buyers Only
The FHSS scheme is designed to help Australians save for their first home deposit. You can withdraw up to $50,000 in voluntary contributions (or $100,000 for couples) made into super.
Eligibility requirements
Must be a genuine first-home buyer.
Can’t have previously owned property in Australia.
Must apply to the ATO for release before signing a contract.
Limited to voluntary contributions ($15,000 per year cap).
Pros
Tax advantage: Contributions taxed at 15% instead of marginal income tax (up to 32.5% or 37%).
Boosts savings: Couples can combine to access up to $100k.
Discipline enforced: Funds locked until release prevents impulse spending.
Cons
Deposit gap: With Sydney’s median house price at $1.6m (Domain, 2025), even $100k barely dents a deposit.
Slow access: ATO release can take weeks, risking settlement delays.
Strict exclusion: Second-home buyers or investors can’t use it.
Example: 28yo, $80k, $10k FHSS contribution = $1,850 tax saving per year, gets to $50k deposit faster than outside super.
Super Fund Property – A Retirement Income Option
Buying property through a super fund is really about building your retirement nest egg – its not about living in the place.
Property has to be purely for investing – and the truth is, unless you’re starting with a pretty big balance (over $200k), it might just not be worth it (ASIC says as much).
Eligibility Rules
Your super fund has got to already be set up as a legitimate trust with a trust deed in place.
You’ve got to make sure it meets the “sole purpose test” – i.e. it’s all about looking after your retirement
Someone living on the property, or renting it out to a buddy or family member? Forget it – that’s a definite no-go.
And it’s got to be big enough to cover the costs of setting up and auditing.
Pros
Tax-effective income: Rent taxed at 15%, potentially 0% in the pension phase.
Capital growth potential: Long-term property appreciation inside super.
Diversification: Property adds another asset class to super.
Cons
High costs: Setup and annual audits often exceed $3,000–$5,000 per year.
Illiquid asset: Unlike shares, property cannot be quickly sold.
Risk of penalties: Breaching SMSF rules can trigger severe ATO fines.
Borrowing hurdles: Limited recourse loans (LRBA) are expensive and restrictive.
Example: Imagine a super fund with $400k has a go at buying a $600k rental property that earns $25k a year. After 15% tax, that leaves $21,250 inside the super fund.
But then something bad happens and the property value falls by 10% and your super fund is $60k worse off – that’s a pretty big hit to your retirement savings
FHSS vs SMSF – Quick Comparison
FHSS is the way to go for first-time buyers who are struggling to save for a deposit – that being said, its impact is still capped and a lot slower in high-price markets.
SMSF property is a superannuation strategy that’s all about retirement, offering some serious tax efficiency and growth potential – but let’s not forget, it does come with some high costs, complexity and risk attached.
Setting Up the Right Super Structure
After you’ve got your eligibility sorted, the next major step is to get the super structure right. The setup you choose will not only determine what you can buy, but also how much risk you’re taking on and what the costs are going to be.
FHSS Structure – Simple and Low Cost, But You’ll Still Want to Do Your Homework
With FHSS, you just contribute voluntarily to your existing super fund. Down the track, you’ll apply to the ATO for the super contributions (plus earnings) to be taken out and put towards a first home deposit.
The Pros
Low cost: You don’t need to set up a new account, and there are no setup fees to worry about.
It’s a pretty straightforward process: The work is all taken care of within your existing super fund, and the ATO is on top of compliance.
You’ll save on tax: Contributions are taxed at 15%, which is often lower than your personal marginal rate (up to 37%).
The Cons
There are some contribution caps, so don’t go thinking you can just put as much in as you like. It’s $15,000 per year, and $50,000 total per person.
You’ve got to use it for a first home: It’s not for investment property, unfortunately.
It’s not a lot of use in high-priced markets: With Sydney’s median house price at $1.6m (Domain, 2025), even a $100k deposit (that’s the maximum for couples) is never going to be enough to get you in the door.
Example: A 27-year-old earning $90k who saves $15k a year can save $3,300 in tax each year – which means they’ll get to their $50k savings goal a lot faster if they do it inside super.
SMSF Structure – Control is Key, But Be Prepared for Some Extra Work
An SMSF is a private super fund that you and a few other trustees (up to 5 of you) manage. It’s a lot more hands-on than other options, and you can even use a Limited Recourse Borrowing Arrangement (LRBA) to borrow for investments.
The Pros
You’ve got more control: Choose the property, the rental terms, and the loan arrangements to suit your needs.
Tax efficiency: Rental income is taxed at 15%, and in the pension phase, tax can even fall to zero.
Diversification: Real estate can balance out your traditional super investments in shares and cash.
The Cons
It’s a bit pricey: Setup can cost a lot more than $3,000, and you’re looking at annual admin and audit fees of $3,000–$5,000.
You need a decent balance: ASIC warns that SMSFs with less than $200k may not be worth it in the long run.
You’ve got to do a lot of work: You’ll need to lodge annual returns, keep records, and meet all the rules and regulations.
You risk getting penalties: If you get it wrong and rent to relatives or misuse assets, you could be looking at big fines from the ATO.
Example: An SMSF with $400k buys a $600k property that’s generating $25k in rent. After 15% tax, they’re left with $21,250 in super. But if the property values drop 10%, they’ll be looking at a $60k loss on their retirement savings.
FHSS vs SMSF – Structural Comparison
FHSS is a great option for first-home buyers : super cheap, pretty straightforward, but with a major catch in high price markets. And that’s only suitable for those who can keep their hands on their wallet and plan well.
SMSF property is a superpower for retirement investors : super flexible and tax-efficient, but super expensive, super complicated and super high-stakes when you don’t have a pile of cash sitting around.
Check Your Super Balance
Your super balance is a pretty good indicator whether using super for property is gonna pay off or just waste your money.
While the First Home Super Saver (FHSS) scheme lets you chime in with some spare cash here and there, investing in property via a Self-Managed Super Fund (SMSF) needs a pretty healthy super balance to make it work. Knowing the difference will save you some costly mistakes down the line.
FHSS – Smaller Balances Welcome
The FHSS scheme lets individuals contribute up to $15,000 per year and then withdraw a maximum of $50,000 per person (or $100,000 for couples) to use as a deposit on their first home.
Pros
Low barrier to entry: Yep, even with a small super balance it might be worth a go.
Tax advantages: Contributions are only taxed at 15% as opposed to 32.5% or 37% income tax.
Couples get a boost: Pool those contributions and you can double your deposit to $100,000.
Cons
Not enough money to go around : Max caps mean you won’t have much to play with.
Market gaps: With Melbourne’s median house deposit at over $240,000, your FHSS savings will be falling way short.
Long wait: You need to keep chipping in for multiple years to reach the cap.
Example: If a 29-year-old puts in $12,000 each year, that’s $2,200 in tax savings each year and about $36,000 in FHSS savings after just three years. Not bad, but still not even close to a Sydney median deposit of around $320k.
SMSF – Big Balance Only
For SMSF property, balance size is critical. ASIC guidance warns funds under $200,000 may not be cost-effective due to administration and audit fees (often $3,000–$5,000 annually).
Pros
Scale is everything here : With a big balance, an SMSF can do some serious heavy lifting when it comes to property.
Tax concessions abound : Rental income is taxed at 15%, and zero if it’s in the pension phase.
Diversify: An SMSF lets you spread your wings and combine property with all sorts of other investments.
Cons
Small balances eat away at you : Fees will consume a chunk of your returns if your super is too low.
Risk of running dry : Your loan repayments and property costs are going to have to come out of the fund’s income.
Market dips can be super painful: A 10% drop in property value can wipe $60,000 off a $600,000 SMSF property.
Example: An SMSF with a $450k balance buys a $700k property, making $30k in rent. After tax, that’s $25,500 back in the fund, which will help boost long-term savings. But if you only have $120,000 in the balance, then fees will start to eat away at growth pretty quickly.
FHSS vs SMSF – Balance Reality Check
FHSS is pretty good for smaller savers – but don’t expect massive gains.
SMSF property is not for the faint of heart – if you don’t have a $200k balance to play with you’re probably better off looking elsewhere.
Work out how to make the most of your tax breaks
The tax benefits of using super to buy property are a major drawcard – but they come with some serious caveats
FHSS – Getting a leg up on first home buyers
Under FHSS, voluntary contributions are taxed at 15%, compared to marginal income tax rates of up to 37% or 45%. Over several years, this can accelerate deposit growth.
The good stuff
You get to keep more of your cash : a worker earning $90k who puts in $10,000 in one year will save about $2,200 in tax.
Couples can double their tax savings : if you’re in a relationship you and your partner can pool up to $100,000 in super, and get tax savings on both incomes.
Earnings just keep on growing : because you’re paying less tax, your super balance just keeps on growing.
The not-so-good stuff
There are limits on how much you can put in : just $15k a year, and a total of $50k over time.
You can’t get your hands on the cash yet : the money stays locked away until the ATO decides to let you have it, which can mess with your settlement plans.
High price of entry : in cities like Sydney, with a median deposit of $320k, even $100k from your super just isn’t going to get you over the line.
Example : a 30-year-old who puts $12k into super each year will end up with about $36k in their fund after three years – and they’ll have saved about $6,600 in tax. It’s a start, but it’s not going to get you into a house in a high-price city anytime soon.
SMSF – the tax-efficient way to grow your wealth
Within SMSFs, rental income is taxed at 15% and can fall to 0% in the pension phase. Capital gains attract a one-third discount if the asset is held for more than 12 months.
The good stuff
You pay less tax : if you’ve got a property earning $30,000 a year, you’ll pay around $4,500 in tax – instead of up to $13,500.
You get a break on capital gains : if you sell up and make a profit of $200k, the tax bill might be as low as $20k – rather than $60k at top marginal rates.
Retirement just got a whole lot sweeter : in the pension phase, your rental income might be tax-free.
The not-so-good stuff
There are costs involved : setting up an SMSF and keeping it running each year can cost anywhere from $3k to $5k, which is money you won’t be getting back.
Liquidity is a problem : even if you’re saving a heap of tax, you might find it hard to get your hands on any cash if the market tanks and you need to sell up.
Risk exposure is a real thing : if property prices drop by 10% – as they can – you might find yourself wiping out $60k or more, even with a tax benefit to soften the blow.
Example : an SMSF owner with a $600k property and $25k in annual rent will pay around $3,750 in tax each year. But if property prices drop by 15% – as they can – the $90k paper loss will probably far outweigh any tax benefits.
FHSS vs SMSF – Tax Benefits at a Glance
FHSS tax breaks help first-home buyers save faster but are capped and limited against soaring housing prices.
SMSF property tax breaks can supercharge retirement wealth, but only for those with large balances and appetite for risk.
Know the Risks and Restrictions
Using super to buy property can look attractive, but it’s also one of the most regulated and risky strategies in Australia.
Whether through the First Home Super Saver (FHSS) scheme or a Self-Managed Super Fund (SMSF), strict rules limit flexibility, while risks range from market downturns to ATO penalties. Understanding these restrictions upfront is critical.
FHSS – Rules That Limit Flexibility
The FHSS scheme is tightly controlled to ensure funds are used only for first-home buyers.
Pros
Clear framework: Designed to prevent misuse and keep benefits targeted.
Enforced discipline: Contributions stay locked until ATO approval, reducing temptation to spend.
Cons
Eligibility exclusion: Only first-home buyers qualify; anyone who has previously owned property is ruled out.
Deposit gap: Even the maximum ($50k per person or $100k for couples) is often insufficient. Sydney’s median deposit sits at ~$320k (Domain, 2025).
Timing risk: ATO processing delays can hold up settlement deadlines.
Example: A couple with $100k FHSS savings still face a $220k shortfall for a typical Sydney deposit.
SMSF – Risks for Retirement Investors
SMSF property investment comes with stricter compliance and financial exposure.
Pros
Tax efficiency remains: Rental income taxed at 15%, potentially 0% in pension phase.
Long-term focus: The “sole purpose test” preserves assets strictly for retirement.
Cons
No personal benefit: You cannot live in the property or rent it to family.
High costs: Annual audits and admin fees often exceed $3k–$5k, eroding returns.
Liquidity stress: If rent stops or expenses rise, SMSFs may struggle to cover pensions or loan repayments.
ATO penalties: Breaches attract fines of up to $12,600 per trustee.
Market downturns: A 10% fall on a $700k property wipes $70k from super balances.
Example: An SMSF with $400k equity in a $700k property could be forced to sell during a downturn if cash flow dries up, locking in losses.
FHSS vs SMSF – Risks & Restrictions Compared
FHSS risks: Caps and timing restrictions mean savings may not match real housing costs.
SMSF risks: Compliance complexity, high costs and market exposure can damage retirement wealth if balances are too small.
Choose a Property That Fits Your Goals
The property you choose through super must not only be affordable but also align with your financial goals and regulatory requirements.
For First Home Super Saver (FHSS) buyers, the goal is home ownership, while for Self-Managed Super Fund (SMSF) investors, it’s long-term retirement wealth. The property type you select will determine how well the strategy works in practice.
FHSS – First Home Properties
FHSS funds go towards your principal residence. The aim is to secure your first home, not to build an investment portfolio.
Pros
Personal benefit: You live in the property, so you have stability against rising rents.
Wealth foundation: Owning a home creates equity for future upgrades or investments.
Government support: FHSS tax concessions accelerate deposit savings.
Cons
Affordability challenge: Median Sydney house price is $1.6m (Domain, 2025); even $100k FHSS savings leave a $220k+ deposit gap.
Limited choice: Buyers may have to settle for outer suburbs or smaller units.
Market risk: Buying at a peak could reduce short-term equity if values fall.
Example: A couple accessing $100k via FHSS may still need to borrow $1.2m to buy in Sydney — stretching affordability.
SMSF – Retirement Investment Properties
An SMSF can buy residential or commercial property, but strict ATO rules apply: it must satisfy the sole purpose test and cannot be lived in or rented to related parties.
Pros
Tax efficiency: Rental income taxed at 15%, potentially 0% in the pension phase.
Capital growth: A well-located property may grow significantly over decades.
Commercial advantage: SMSFs can own business premises with stable tenants, often generating 6–7% yields.
Cons
Illiquidity: Property can’t be sold quickly if the fund needs cash.
Concentration risk: A single property could dominate your super portfolio.
High costs: Maintenance, vacancies and compliance fees ($3k–$5k annually) reduce returns.
Strict rules: No personal use; breaching rules can attract fines up to $12,600 per trustee.
Example: SMSF with $500k balance buying $700k property is at risk if rental income stops — loan repayments and expenses still need to be met from fund income.
FHSS vs SMSF – Property Choice Compared
FHSS Properties: provide a sense of stability and a clear path to owning your own home, but they come with affordability challenges in major cities.
SMSF Properties: can offer strong tax benefits and a reliable retirement income, but the risks are high – including costs, illiquid assets, and a concentration of your assets into one investment.
The Ongoing Struggle with Costs and Effort
Buying property with super doesn’t end with the purchase. The real challenge is managing ongoing costs and administrative effort.
Whether you’re using the First Home Super Saver Scheme or investing via a Self-Managed Super Fund, the expenses and responsibilities can quickly eat into any potential benefits if you don’t plan for them ahead of time.
FHSS – Ongoing Costs After You’ve Bought
FHSS savings are only used towards the deposit. Once you’ve got the property, you’re facing the same costs as any first home buyer.
Pros
Some stability in expenses: Your mortgage, rates and maintenance are the same standard homeowner costs.
Building long-term wealth: Repayments can grow your equity and reduce your debt over time.
Pretty straightforward to manage: Since you’ll have got through the ATO hoops, there’s not much else to think about.
Cons
The mortgage can be a real stress: With interest rates typically around 6% (predicted for 2025), your repayments can be pretty high.
There’s a lot of hidden costs: You’ll have to pay stamp duty, insurance, and repairs – which can be an additional $10k to $20k upfront.
The FHSS limits are a bit restrictive: Since deposits are capped at $50k per person, your mortgage tends to be bigger, which puts even more pressure on your repayments.
For example: On a $700,000 home with a $560,000 mortgage, monthly repayments at 6% work out to about $3,700. FHSS will help with the deposit, but it doesn’t touch the ongoing costs.
SMSF – The Ongoing Burden of Administration and Property Costs
Running an SMSF property means you’re stuck with ongoing financial and compliance headaches.
Pros
Some tax benefits: Rental income is taxed at 15% – and potentially 0% while you’re in the pension phase – which can help cover costs.
You can hire professionals to manage the day to day: Property managers and accountants can handle all the administrative tasks for you.
Cons
The costs can be pretty high: Annual audit and admin fees run to $3k to $5k – no matter how your property is performing.
There’s a risk of cash flow problems: If you get a gap in rental income or have to pay for repairs, your SMSF is still stuck with loan repayments.
Properties are pretty illiquid: That means if you need to quickly cover some expenses, you’re in trouble.
For example: An SMSF property that’s earning $26,000 rent annually might lose $6,000 to audits, management fees, insurance and repairs – cutting your net returns by almost 25%.
FHSS vs SMSF – Ongoing Effort & Costs
FHSS costs: mirror standard homeownership but leave buyers vulnerable to mortgage stress.
SMSF costs: are heavier, ongoing and unavoidable — so without high rental yields and large balances the cons outweigh the tax benefits.
How It Funds Your Retirement
The real question when using super for property is: will this decision secure your retirement? For some, property provides tax-efficient income inside super; for others, simply owning a home eases retirement by eliminating rent or mortgage costs.
The outcomes differ between the First Home Super Saver (FHSS) scheme and Self-Managed Super Fund (SMSF) property investment.
FHSS – Indirect Retirement Benefits
FHSS isn’t designed to generate retirement income, but buying your first home early has long term benefits.
Pros
Rent free retirement: Housing is one of Australia’s biggest retirement costs. Owning a home can save retirees $20k-$30k per year compared to renting.
Equity growth: Property generally appreciates long term. Over 30 years even modest 3% annual growth can double a home’s value.
Stability: A principal residence provides security and avoids rental market uncertainty.
Cons
No income stream: Unlike SMSF property a home doesn’t fund living expenses directly.
Mortgage risk: If debt isn’t cleared before retirement repayments eat into super income.
Market timing: Buying at peak prices can mean slow equity growth.
Example: A couple using FHSS to buy a $750k home may pay off their mortgage by 60 and enter retirement rent free. But they won’t have property income unless they downsize or release equity.
SMSF – Direct Retirement Strategy
SMSF property is designed for retirement income and growth.
Pros
Tax efficiency: Rental income taxed at 15% during accumulation and 0% in the pension phase.
Income stream: A $700k property earning $30k rent could fund annual pension payments tax free.
Capital growth: Long term appreciation boosts fund value.
Cons
Illiquidity: Selling property to fund pensions can take months.
Concentration risk: Many SMSFs have one property exposing savings to market downturns.
Ongoing costs: Audits, management and maintenance reduce net income (average $3k-$5k per year)
Example: $25k per year in pension phase rent tax free but a 15% market decline would lose $100k.
FHSS vs SMSF – Retirement Funding Compared
FHSS helps indirectly: It won’t fund retirement income but reduces expenses through home ownership.
SMSF helps directly: It provides tax-advantaged income, but risks include illiquidity and overexposure to one property.
Review Regularly to Stay on Track
Using super to buy property is not a one-off decision — it’s a long-term strategy that must be reviewed regularly. Tax laws change, property markets move, and your financial situation evolves.
Both the First Home Super Saver (FHSS) scheme and Self-Managed Super Fund (SMSF) property investments require monitoring to ensure they still align with your goals. Without regular reviews, the benefits can fade and risks may increase.
FHSS – Tracking Savings vs Property Prices
FHSS contributions are capped at $15,000 per year and $50,000 per person ($100,000 per couple). Reviewing progress ensures your deposit savings keep up with rising property costs.
Pros
Clear savings goals: Annual contributions are predictable and easy to measure.
Tax benefits visible: Reviewing yearly tax savings (e.g., ~$2,200 saved on $10k contributions for a $90k earner) reinforces discipline.
Adjustable timeline: You can decide whether to increase voluntary contributions.
Cons
Deposit gap risk: Sydney’s average deposit is $320,000 (Domain, 2025), meaning FHSS caps often fall short.
Inflation effect: Property prices may grow faster than your super savings.
Timing delays: Missing ATO withdrawal steps can derail settlement.
Example: A couple saving $90k via FHSS over 5 years may still fall short of the $240k average Melbourne deposit, leaving a funding gap.
SMSF – Monitoring Performance and Compliance
SMSFs must be reviewed for property returns, cash flow, and compliance.
Pros
Tax outcomes monitored: Rental yields taxed at 15% (or 0% in pension phase) can be tracked against projections.
Risk management: Reviews highlight overexposure if property dominates the fund.
Compliance safety: Annual checks prevent costly ATO penalties.
Cons
High review costs: Annual audits and admin average $3k–$5k.
Market volatility: A 10% fall on a $700k SMSF property cuts $70k from fund value.
Liquidity stress: Missing reviews means pension drawdowns may force property sales.
Example: SMSF with one $600k property may face cash flow issues if rental income drops, and have to sell at a loss.
FHSS vs SMSF – Why Reviews Matter
FHSS Reviews: do your deposit goals keep up with the housing market?
SMSF Reviews: are vital to safeguard your retirement income, mitigate risks and avoid penalties.
Originally Published: https://www.starinvestment.com.au/buying-super-property-pros-cons/
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