SMSF Brokers Australia

SMSF Borrowing Power

Estimate your SMSF borrowing power for residential or commercial property. Get a quick guide based on your super balance and income.

If you’re thinking about leveraging your SMSF to invest in property, a good first step is to work out your SMSF borrowing power.

Fill out your information, to get an instant estimate on your potential maximum SMSF borrowing capacity for an investment property.
%
$
$
$

Enter your loan details to see your estimated borrowing power.

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

Disclaimer: The results from this calculator should be used as an indication only. Results do not represent either quotes or pre-qualifications for any SMSF loan product. Information such as interest rates quoted and default figures used in the assumptions are subject to change.

Calculator Assumptions

Loan Interest Rate: We assume that the rate you enter is the rate that will apply to your loan for the full loan term — even if you choose a variable rate or an interest-only rate which, in practice, will only apply for a limited period.

Annual Rental Income: We assume that a tenant would be occupying the property for the entire loan term and that the income you enter will apply for the entirety of the loan term. Lenders typically assess 80% of gross rental income.

Annual Salary: We assume that the salary entered applies for the full financial year before any deductions.

Salary Sacrifice: We assume that the salary entered is included in the Annual Salary field and the entirety of the amount entered is paid into the relevant borrowing SMSF entity.

Super Guarantee (SG): Employer SG contributions are calculated at 11.5% of annual salary and included in serviceable SMSF income.

Assessment Rate: A 2.9% buffer above the entered loan rate is applied, in line with standard SMSF lender policy.

Loan Term: A 25-year principal & interest loan term is used, which is typical for SMSF Limited Recourse Borrowing Arrangements (LRBAs).

Estimated Borrowing Amounts: The result generated is based on current market conditions and internal lending parameters. This amount may differ if the same figures were inputted at a different date and is not a true indication of the allowable amount should a full application be provided and reviewed.
Person working on laptop at wooden table with breakfast.

How to use our SMSF borrowing power calculator

Working out how much you may be able to borrow through your SMSF is quick and straightforward.

To estimate your borrowing capacity, you’ll need four key details:

  1. The interest rate for the loan you are considering
  2. The expected annual rental income from the property
  3. Your annual income
  4. Your total salary sacrifice contributions

Once you have these details, enter them into the calculator to see an estimate of what you may be able to borrow.

Frequently asked questions

A Self Managed Super Fund is a private super fund that you manage yourself for retirement. It gives you control over how your super is invested, including options like property, shares and cash. Not everyone is suited to running an SMSF, so it’s important to understand the responsibilities before getting started.

Yes, you can buy multiple properties through an SMSF over time. Each purchase needs to meet lender requirements, SMSF rules and your fund’s ability to support the loan. It usually depends on your super balance, contributions, rental income and overall structure. We can help you understand what may be possible based on your position.

Your borrowing capacity is influenced by your super balance, contributions, rental income, existing debts and how the loan is structured.

You can invest in residential or commercial property that meets SMSF and lender requirements. This includes standard homes or business premises held within your fund.

Yes, your Self-Managed Super Fund (SMSF) can buy a property you own, but only if it is business real property (commercial). Your SMSF is strictly prohibited from acquiring residential property (including investment houses or holiday homes) from a related party, such as yourself, even at market value.

Call us, we're here to help

Our SMSF specialists will help guide you through the process and get you to your goal sooner.
0423 833 323

Book an appointment

Experience the difference. We handle the details and fit seamlessly into your schedule.
Book a chat

Start your application

We get it, you’re ready to move. Let us know your goals and we’ll tailor the best lending options for you.
Get started
SMSF Brokers Australia

Lending solutions for you.

SMSF Brokers Australia is a specialist mortgage broker focused on property investment through super, supporting clients across Australia.

We help with commercial and residential SMSF finance, structured to suit your fund and long term plans.

Commercial SMSF | Residential SMSF | Owner Occupied Business Premises | Investment Property Finance
This website provides general information only and has been prepared without taking into account your objectives, financial situation or needs. Your full financial situation and requirements need to be considered prior to any offer and acceptance of a loan product.
Establishment Apparel Pty Ltd trading as SMSF Brokers Australia (ABN 50 656 353 105) with Credit Representative Number 554449 is a Credit Representative of Australian Credit Licence 387025.