Downsizer Contribution 2026: Turn Your Home Into $300,000 Extra Super (Australia Guide)

Описание: If you own your home and you are 55 or older, there is a superannuation strategy available to you right now that most Australians either do not know about — or think does not apply to them.

It is called the Downsizer Contribution. It lets you contribute up to $300,000 from the sale of your home directly into super, outside your normal contribution limits. For a couple, that is up to $600,000 combined.

And here is the part that surprises most people. You do not actually have to downsize. You do not have to buy a smaller home, or a cheaper home, or any home at all.

In this video I walk through exactly how this works, who is eligible, the 90-day rule most people miss, and the key things to consider before going ahead.

⚠️ General information only. Not personal financial advice. Please consult a licensed financial adviser before making any decisions about downsizer contributions.

─────────────────────────────────────
📋 WHAT YOU WILL LEARN IN THIS VIDEO
─────────────────────────────────────
✅ What the Downsizer Contribution is — and what it is not
✅ Up to $300,000 per person, $600,000 per couple — how the limit works
✅ The 5 eligibility requirements you must meet
✅ Age 55+ at time of CONTRIBUTION (not sale) — why this matters
✅ The 10-year ownership requirement explained
✅ The 90-day window — the rule most people miss
✅ One-off lifetime only — why timing is everything
✅ The spouse advantage: non-owner spouse can also contribute $300,000
✅ What it does NOT count toward — concessional caps, non-concessional caps, work test
✅ What it DOES count toward — the Transfer Balance Cap ($2.1M in 2026)
✅ The Age Pension impact — your home exemption disappears when you sell
✅ ATO form NAT 75073 — how to make the contribution step by step


─────────────────────────────────────
⏱️ CHAPTERS
─────────────────────────────────────
00:00 — Introduction — the strategy most Australian homeowners don't know about
01:29 — What is the Downsizer Contribution?
02:15 — How much can you contribute? ($300,000 per person, $600,000 per couple)
03:00 — Section 2: 5 Eligibility Requirements
03:06 — Requirement 1: Age 55+ at time of contribution (no maximum age)
03:50 — Requirement 2: 10-year ownership (settlement to settlement)
04:14 — Requirement 3: Main residence CGT exemption
04:34 — Requirement 4: The 90-day window — the rule most people miss
05:00 — How to apply for an extension — ATO 13 10 20
05:17 — Requirement 5: One-off lifetime only — why timing matters
05:43 — Section 3: The Spouse Advantage
06:08 — Non-owner spouse can also contribute up to $300,000
06:30 — Balancing contributions between partners
06:46 — Section 4: How it interacts with super rules
06:52 — What it does NOT count toward (caps, TSB test, work test)
07:34 — What it DOES count toward (Transfer Balance Cap $2.1M)
08:17 — The Age Pension Impact
09:22 — Section 5: How to actually make the contribution
09:38 — Step-by-step: NAT 75073 form and 90-day process
10:32 — Key Takeaways
12:04 — Next video — Age Pension September 2026 update

─────────────────────────────────────
🔗 USEFUL OFFICIAL LINKS
─────────────────────────────────────
✅ Downsizer Contributions — ATO (official):
https://www.ato.gov.au/individuals-an...

✅ ATO form NAT 75073 — Downsizer contribution into super form:
https://www.ato.gov.au/forms-and-inst...

✅ Downsizer Contributions — MoneySmart:
https://moneysmart.gov.au/grow-your-s...

✅ ATO super line (extension requests): 13 10 20

✅ Free eligibility check — Payment and Service Finder:
https://www.servicesaustralia.gov.au/...


─────────────────────────────────────
⚠️ DISCLAIMER
─────────────────────────────────────
All information in this video is general in nature and does not constitute personal financial, tax, or legal advice. Downsizer Contribution rules are based on Australian Taxation Office guidance current as at July 2026. Eligibility criteria, contribution limits, and Age Pension interactions depend on individual circumstances. Always verify current rules at ato.gov.au or by calling the ATO super line on 13 10 20. For advice specific to your personal situation, please consult a licensed financial adviser (AFS licence holder) with experience in superannuation and retirement planning.

#DownsizerContribution #DownsizerContribution2026 #SuperannuationAustralia #HomeToSuper #RetirementAustralia #SuperAustralia #DownsizeSuper #ATOAustralia #RetirementPlanning2026 #SuperannuationRetirement #HomeEquitySuper #AustraliaSeniors #SuperContribution #AgePension2026 #RetirementIncome