SMSF Buyer's Agent in Central Coast

The minimum super balance needed for SMSF property depends on your specific situation - the property price, your borrowing capacity, and whether you're combining super with a partner all factor in. There is no single magic number. Couples can combine their super into one SMSF, which often makes a meaningful difference to purchasing power. The Delphi Scorecard helps you understand your position in under 5 minutes. If it makes sense, we'll assess your specific numbers in a free strategy chat so you know exactly where you stand - no guesswork.

From your first discovery call to property settlement, the typical timeline is 8-16 weeks. SMSF setup takes 2-4 weeks, finance approval takes 2-4 weeks, and property selection through to settlement takes 4-6 weeks. The exact timeframe depends on your circumstances and the property market. Delphi & Co coordinates every step through our S.I.M.P.L.E. Pathway - most clients say they just had to check emails and sign.

A buyer's agent finds, evaluates, and negotiates property on your behalf. A financial adviser provides personal financial advice about your overall financial situation, investments, and retirement planning. These are two distinct roles under Australian law (Source: ASIC Regulatory Guide 175, 2025). Delphi & Co is a buyer's agent - we don't provide personal financial advice. We provide general information and education about SMSF property investment, and we coordinate with licensed professionals (accountants, brokers, legal) to handle the technical details.

A buyer's agent works exclusively for you - the buyer - not the seller. They find, evaluate, and negotiate properties on your behalf, saving you time and typically achieving better purchase prices. For SMSF property, you need a buyer's agent who also understands SMSF rules, LRBA lending, and ATO compliance. Most buyer's agents don't know SMSF. Most SMSF companies don't find property. Delphi & Co does both - that's what makes us different.

Government workers often have higher-than-average super balances due to employer contributions at 15.4% or more (compared to the standard 11.5%). After 15-20 years of service, balances of $200K-$450K+ are common. Combined with a partner's super, many government couples are well-positioned for SMSF property. The Delphi Scorecard considers your specific balance, income, and situation to show you where you stand.