What’s the Best Way to Structure Your Property Portfolio?

Charlie Wakim Posted on 19 Aug 2025

What’s the Best Way to Structure Your Property Portfolio?

At Wakim Realty, we don’t just help you buy and sell property — we also want to make sure you’re set up for success in the long run.
One of the most common questions clients ask us is:
“What’s the best structure for my property portfolio?”

Here’s a simple breakdown to help you understand the main options.

Buying in Your Own Name

· This is the easiest and most common way to start. You or your partner’s name goes on the title.

· Low cost

· Simple paperwork

For most people, their first one or two properties are best bought this way.

2. Buying Through a Company

· Some investors use a company to hold their properties.

· Can make it easier to grow your portfolio

· No 50% capital gains tax discount

· More complex rules

This option is more suited to experienced investors who know what they’re doing.

3. Using Your Super (SMSF)

· A self-managed super fund can also be used to buy property.

· Lets you grow wealth inside super

· Can use leverage (borrowing) for better returns

· Lots of rules and paperwork

This strategy is becoming popular, but it needs professional guidance.

4. Trusts with a Company Trustee

This is often used once you’ve built a couple of properties.

· Flexible way to distribute income to family or even a company

· 50% discount on assets held more than 12 months

· Can reduce tax for high-income earners

· More advanced and needs the right setup

So, Which One Is Right for You?

There isn’t a one-size-fits-all answer. It depends on your goals, income, and long-term plans.

Important: This is general information only. Everyone’s situation is different, so please speak to your accountant, financial planner, or legal advisor before making decisions.

At Wakim Realty, we’re here to guide you through every step of your property journey — from choosing the right investment to connecting you with trusted advisors who can help you structure it the smart way.

If you’d like to chat about your next move, reach out to our team anytime.