Free tool · 2026 LRBA rules

SMSF borrowing calculator

Check whether your SMSF can borrow for a property under the 10 August 2026 rules, how much cash the fund needs, the stamp duty in your state and what repayments look like. Then get a full report.

Start your assessment What changed on 10 Aug

SMSF borrowing assessment

Updated for the 10 August 2026 LRBA rules

What are you doing?

Buying a property Contract exchanged before 10 Aug 2026 Refinancing an existing LRBA

How will the property be used?

Business real property (office, shop, warehouse) Farm in primary production Residential Mixed-use, vacant land or short-stay

Purchase price ($)

State

Cash available in the SMSF ($)Combined, after rollovers

Concessional contributions a year ($)Employer super + salary sacrifice, all members

Expected rent a year ($)Net of outgoings the fund pays

Loan settings and assumptions

Maximum LVRCommercial SMSF lenders commonly lend 60–70%

Interest rate (% a year)Use your lender's quoted rate

Loan term

Rate buffer for assessment (%)

Minimum repayment cover (x)

Fund running costs a year ($)

Cash to keep in the fund (%)Of cash available, after settlement

Legal, loan and conveyancing costs ($)

Bare trust setup ($)

Get your full borrowing report

See the cost breakdown, stamp duty, cash flow and the maximum price your fund could support. We'll also email you a copy and can talk it through on a free call.

General information only. This estimate is not a loan approval, credit assistance or personal financial advice. Lenders apply their own criteria. My SMSF is not a lender or credit provider; we refer you to a lender or broker and may receive a referral fee. Stamp duty uses general rates as at September 2026.

How it works

What the assessment checks

It follows the same three questions an SMSF lender asks.

Can the fund borrow?

New LRBAs can only buy business real property. Residential property is cash only, unless contracts were exchanged before 10 August 2026 or you are refinancing an existing LRBA.

Is there enough cash?

Deposit, stamp duty for your state, legal and loan costs and the bare trust, while keeping a cash reserve in the fund after settlement.

Can it meet repayments?

Rent plus contributions after 15% tax, less running costs, compared with repayments at your rate plus a 2% buffer. Lenders commonly want 1.25x cover.

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FAQ

SMSF borrowing questions

Can my SMSF borrow to buy a residential property?

Not with a new loan. Since 10 August 2026, a new LRBA can only buy business real property. Existing LRBAs, refinancing them and contracts exchanged before that date are protected. Read the LRBA changes explainer.

How much can an SMSF borrow for commercial property?

SMSF commercial lenders commonly lend 60–70% of the property’s value. The amount is also limited by whether rent and contributions cover repayments at the lender’s assessment rate.

What deposit does an SMSF need?

Usually 30–40% of the price, plus stamp duty, legal and loan costs and the bare trust. Lenders also expect cash left in the fund after settlement. See stamp duty by state.

Is the report a loan approval?

No. It is an estimate based on the figures you enter and common lender settings. A lender or broker will assess your fund against their own criteria.

Do you receive a fee if I take out a loan?

My SMSF is not a lender or credit provider. We refer you to a lender or mortgage broker and we may be entitled to a referral fee if your loan goes ahead. We’ll tell you the amount before you proceed.

Want us to check the numbers?

Book a free call and we’ll go through your report, the property and the right structure.

Book a free call Commercial property guide

1300 545 516

General information only, current as at 24 September 2026. Not a loan approval, credit assistance or personal financial advice.