SMSF Loan Calculator
Estimate repayments on an SMSF (self-managed super fund) property loan in Australia. SMSF loans use a limited recourse borrowing arrangement and carry higher rates and lower LVRs than standard loans. Adjust the amount, rate and term.
How we estimate this
An SMSF loan lets a self-managed super fund borrow to buy property through a limited recourse borrowing arrangement (LRBA), which quarantines the risk to that single asset. Fewer lenders offer them, so rates are higher and maximum LVRs lower (often 70 to 80%) than ordinary loans.
Pricing reviewed: October 2026.
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Understanding smsf loans in Australia
An SMSF loan lets a self-managed super fund borrow to buy property through a limited recourse borrowing arrangement (LRBA), which quarantines the risk to that single asset. Fewer lenders offer them, so rates are higher and maximum LVRs lower (often 70 to 80%) than ordinary loans.
Repayments are usually serviced from the fund's rent and contributions. SMSF borrowing is highly regulated, so licensed financial and legal advice is essential before setting one up, this tool only estimates the repayment.
Frequently asked questions
How much can an SMSF borrow to buy property?
SMSF lenders typically cap the loan at 70 to 80% of the property value, so the fund needs the rest plus costs and a liquidity buffer. Rates are higher than standard home loans.
Is an SMSF loan a good idea?
It can suit some funds but is complex and heavily regulated, with strict rules on the asset and the borrowing structure. Always get licensed financial and legal advice before proceeding.
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