NRAS Investment Property
NRAS Property Investment with SMSFA Smart Strategy for Higher Returns
NRAS Property Investment SMSF offers a unique opportunity to grow your retirement fund while supporting affordable housing. The National Rental Affordability Scheme (NRAS) provides tax-free government incentives for up to 10 years. SMSF Depot helps you invest in NRAS properties through a legally compliant and tax-effective SMSF structure.
What Is NRAS and How Does It Work?
The National Rental Affordability Scheme (NRAS) is a Federal Government initiative that encourages investment in affordable housing. Investors receive tax-free financial incentives when they rent approved properties at below-market rates.
When structured correctly within a Self-Managed Super Fund, NRAS can:
Increase rental yields
Provide long-term tax benefits
Diversify your SMSF investment portfolio
Benefits of NRAS Property Investment in an SMSF
By combining NRAS with your Self-Managed Super Fund, you benefit from:
Government tax-free incentives (up to $11,000/year for 10 years)
Rental income, even at discounted rates
Capital growth from residential property
Tax-effective retirement savings
It’s a great match for trustees seeking SMSF solutions with higher returns and steady income.
How SMSF Depot Supports Your NRAS Property Investment
We make it easy to add NRAS property to your SMSF with full compliance support. Our team handles:
SMSF setup or review
Compliance with ATO rules
SMSF Accounting and record keeping
Annual SMSF Tax Return filing
Ongoing SMSF Audit Services
Key Compliance Tips for Trustees
Before investing, trustees must ensure:
The SMSF investment strategy allows property and government-incentivised assets.
The Trust Deed permits NRAS-related investments.
Proper documentation, contracts, and records are maintained.
An independent property valuation is obtained regularly.
Can NRAS Property Be Financed?
Yes, NRAS properties can be purchased with SMSF funds or with limited recourse borrowing arrangements (LRBA), as long as:
The borrowing meets ATO guidelines
It complies with SMSF borrowing rules
You maintain the NRAS agreement and rental conditions
Frequently Asked Questions
Q: Is it legal for an SMSF to own an NRAS property?
Yes. It’s legal if the fund structure, investment strategy, and compliance measures meet ATO and NRAS criteria.
Q: Can I claim NRAS incentives inside my SMSF?
Yes, SMSFs are eligible to receive tax-free government incentives, but they must follow the conditions of the NRAS.
Q: What are the risks?
NRAS rules must be followed closely. Property location, tenant eligibility, and rent discounts must be managed properly. SMSF Depot helps you stay on track.
Start Your NRAS Property Investment with SMSF Depot
SMSF Depot makes investing in NRAS properties easy, compliant, and profitable. We guide you from setup through to audit, ensuring your SMSF is structured for long-term success.
Contact us today to explore this high-yield opportunity with full compliance.