Find out how much your self-managed super fund could borrow for property investment in Australia.
How This Calculator Works
This calculator estimates your SMSF's borrowing power based on typical lender criteria. Enter your fund's balance, contributions, and property details to get an indicative maximum loan amount and monthly repayments.
What you'll need:
- Your current SMSF balance
- Annual contributions (employer + salary sacrifice)
- The property value you're considering
- Expected rental income
The results show your estimated borrowing capacity, required deposit, and monthly repayments, giving you a realistic picture of what's possible before you speak to a mortgage broker.
What Affects Your SMSF Borrowing Power?
Fund Balance and Liquidity
Lenders want to see your fund has enough cash to cover the deposit, stamp duty, and a buffer for ongoing costs. Most require a minimum balance of $200,000-$300,000 before considering an SMSF loan approval.
Your fund also needs liquidity after settlement — typically 10% of the loan amount in accessible cash. This protects against vacancies, repairs, and other unexpected expenses.
Loan-to-Value Ratio (LVR)
SMSF loans have lower LVRs than standard home loans:
- Residential property: typically 65-70% LVR
- Commercial property: typically 60-65% LVR
This means larger deposits. For a $700,000 property at 70% LVR, your fund needs $210,000 deposit plus stamp duty and costs.
Rental Income
Lenders assess rental income conservatively — usually at 80% of expected rent to account for vacancies and maintenance. Strong rental yield improves your borrowing capacity.
Contributions
Regular contributions (employer and voluntary) demonstrate ongoing cash flow. Lenders view consistent contribution patterns as a reliable income source for loan repayments.
Interest Rates and Loan Terms
SMSF loan interest rates are typically 0.5-1% higher than standard home loan products. Loan terms usually range from 15-25 years. Both variable rate and fixed rate options are available, though not all lenders offer interest only periods for SMSF loans.
Our Assumptions
We've built this calculator using typical lender criteria:
These are industry-standard assumptions. Your actual eligibility and borrowing power will vary by lender and your specific financial situation.
Important Information
We're buyer's agents, not lenders or financial advisers.
This calculator provides general information only — it's directionally helpful, not a formal borrowing assessment. We don't hold an Australian credit licence or provide credit advice.
Your actual borrowing capacity depends on lender policies, your fund's specific circumstances, and factors we can't assess here. Every lender has different eligibility criteria and credit policies.
Before making any property investment decisions:
- Speak to a mortgage broker who specialises in SMSF loans
- Get advice from a licensed financial adviser
- Consult your SMSF accountant
We help you find and buy the right property once your finance is sorted. That's our expertise.