Just starting the hypothetical conversation my friend. It doesn’t seem dodgy to me but the ato don’t allow it. Like I said before, why for business but not for personal. At the end of the day, saving money on ur business premises or while building ur super when you sell the commercial proper is personal gain so I fail to see the difference apart from the actual ruling

As in the smsf would have 2 members being myself and my wife..

But that’s just what the government governs you to do. Financially it makes more sense to have access to it now as long as it is still an investment. Exactly the same as using it to buy your business premises if you pay rent to it. Your saving money now while adding growth to your investment.

Cheers Richard,

What is the maximum contribution p/yr?
Could my fiancé / wife lease the property if she was not part of the fund?
Do you know how the ato would come to the conclusion that you were living in your SMSF?