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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.

Yes - self-employed Australians and tradies are among the most common SMSF property investors. Whether you're a sole trader, run a partnership, or operate through a company, you can set up an SMSF and invest in property. Self-employed workers often have multiple super accounts from past employers, which can be consolidated into one SMSF. The Delphi Scorecard helps you work out if it could work for your situation. Delphi & Co specialises in helping tradies and self-employed Australians through this process.

Yes - tradies and self-employed workers are among the best-positioned candidates for SMSF property investment. You often have multiple super accounts scattered across different employers, a practical understanding of property, and a strong work ethic. Whether you're an electrician, plumber, carpenter, or run your own trades business, the process is the same. Delphi & Co specialises in helping tradies through the S.I.M.P.L.E. Pathway.

Yes - couples can both be members of the same SMSF, combining their super balances into one fund to increase purchasing power. This is one of the most common and effective ways Australian families reach the threshold for SMSF property investment (Source: ATO SMSF Statistics, 2025). The Delphi Scorecard factors in combined balances to give you an accurate picture. Delphi & Co regularly helps couples set up joint SMSFs - it's one of the most rewarding parts of what we do.

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.

Yes - couples (married or de facto) can combine their super into a single SMSF with up to four members. This is especially powerful for government couples where both partners have strong super balances. Even if one partner is in government and the other is in the private sector, you can combine into one fund. Combined super often unlocks better property options and stronger borrowing capacity. The Delphi Scorecard lets you enter both balances to see where you stand together.