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SMSF Borrowing Capacity

If you’re thinking about leveraging your SMSF to invest in property, you should check out our SMSF borrowing calculator. Fill out your information, and we can estimate your maximum SMSF borrowing capacity on an investment property.

Your estimated results

Based on the data you have supplied, we estimate you can borrow:


Looking for a low rate SMSF loan? loans.com.au has some of the lowest rate SMSF loans in the market.

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Available for Purchase and Refinance
No application and settlement fee
No monthly or ongoing fees

How to use our SMSF Borrowing Power calculator

Finding out how much you can borrow through your SMSF has never been easier!

To work out how much money you can borrow to invest in property using your super, you will need four pieces of information.

  1. The interest rate of the loan you wish to use.

  2. The annual rental income expected from the property (to be factored into the borrower’s ability to make repayments).

  3. Your annual salary.

  4. Your total salary sacrifice (a portion of an employee’s wages they wish to relinquish in exchange for another benefit of similar value).

Once you have these details, enter them into our calculator and we will show you your estimated maximum borrowing capacity.

borrower comparing refinancing options borrower comparing refinancing options

How much can an SMSF borrow to buy an investment property?

SMSF loans generally allow up to 80% LVR and 30-year loan terms, with up to five years of interest-only repayments. The minimum loan amount is $50,000 up to a maximum loan amount of $1,000,000, subject to approval of the property and the borrowing capacity of the fund.

There are some advantages of borrowing money through your SMSF.

  • It allows for diversification of the investments.

  • You receive tax benefits on interest.

See how we can help you today!

Home loan FAQs

A Self-Managed Super Fund is a private superannuation fund that allows you to manage your own superannuation investments for your retirement. Not everyone can set up their own super, so understanding the basics is crucial before getting started. We always suggest you speak to your accountant or financial advisor for any questions on setting up your SMSF.

At this stage, we’ll only accept residential investment properties.

Yes. You can buy numerous investment properties with your SMSF. You will need to account for your fund’s capacity to cover the ongoing costs that come with each property to make sure that this won’t be too much of a set back for your fund’s investment goals.

The main constraint is whether or not you will get approval if you need additional funding.

If your employer contributions are sufficient to service the debt, then we may not need to assess your personal financial position.

However, if you need to make additional contributions to be able to make the repayments, then we may need to complete a full assessment of your personal situation.

Our team is more than happy to discuss this further with you, depending on your individual circumstances.

You can get your dream home at a great low home loan rate because of our online model. We don't have to pay for branches or broker commissions, which means we are able to pass our savings directly on to you through low home loan rates and and no ongoing, annual or monthly fees.

Why choose us?

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