SMSF loan calculator
Buying property through your SMSF needs a Limited Recourse Borrowing Arrangement (LRBA), a 20–30% deposit and enough rent to service the loan. Punch in your numbers — we'll show repayments, deposit, cashflow and projected equity at the end of the term.
Loan & property details
Estimates only — not financial advice.
SMSF lenders typically require 20–30% deposit
SMSF loans run 1–2% above standard home rates
Monthly loan repayment
$3,880
on a $525,000 loan over 25 years at 7.50%
$266,250
Deposit $225,000 + ~$41,250 stamp duty & setup
-$21,756
Negatively geared — top up from contributions
$1,999,377
Capital growth: $1,249,377
$33,800
Holding costs: ~$9,000/yr
What this means
- • Your SMSF needs about $266,250 in liquid funds before settlement (deposit + stamp duty + LRBA / bare trust setup).
- • After rent, the fund needs about $21,756 in extra contributions or other income to cover the shortfall.
- • Loan repayments must come from the SMSF — not from you personally. Plan contributions accordingly (concessional cap $30,000 in 2025–26).
- • SMSF property must be bought through a bare trust under a Limited Recourse Borrowing Arrangement (LRBA).
Estimates only — not financial, credit or tax advice. Actual rates, fees, stamp duty, lender LVRs and rental yields vary. Always confirm with your accountant and a licensed mortgage broker before committing.
General advice warning
Figures shown are illustrative only and based on the inputs and assumptions you provide. They are general information, not personal financial product advice. Consider your objectives, financial situation and needs, and seek personal advice from a licensed financial adviser before acting. easySMSF does not hold an Australian Financial Services Licence (AFSL).
How SMSF property loans work
An SMSF can borrow to buy a single investment property — but only under a Limited Recourse Borrowing Arrangement (LRBA). The fund deposits 20%–30% of the purchase price, a separate "bare trust" holds the legal title until the loan is repaid, and the lender's recourse is limited to that single property. If the loan defaults, the rest of the fund's assets are safe.
Repayments come out of the SMSF — not your personal bank account. The fund pays the loan from rent, concessional contributions (capped at $30,000 per member per year in 2025–26) and other investment income. Once the loan is paid off, legal title transfers from the bare trust to the SMSF.
This calculator gives a quick read on whether the numbers stack up: monthly repayment, total cash needed at settlement, net cashflow after rent and holding costs, and projected property value at the end of the loan term. It does not factor in tax (15% on rent inside accumulation, 0% in pension phase), CGT, depreciation, or LMI.