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Can this loophole help our kids onto the housing ladder?

Nicole Pedersen-McKinnon Money contributor November 1, 2025 — 4.01am Advertisement

Hi Nicole, I have a friend who gave me an intriguing idea: contribute to your underage child’s super so they can withdraw it sooner than age 60 and use it as a house deposit, under the super for a house deposit scheme. It seems like a great way to help them get on the property ladder, given that super earnings are only taxed at 15 per cent and that you can now withdraw some for a deposit. I understand that parents can pay in on behalf of their kids, no problem. Have we found a loophole to give our kids a (cheaper) leg up onto the housing ladder? Ben

It’s not quite as you describe it, Ben. But your i

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