Want to buy a property with your Self-Managed Super Fund (SMSF)? If you’re curious about understanding your SMSF borrowing power and borrowing capacity, or if you want to refinance your existing Limited Recourse Borrowing Arrangement loan, then this calculator is for you. Simply follow the prompts and we’ll provide an indicative SMSF borrowing capacity estimate.
Use our SMSF borrowing calculator to assess your SMSF borrowing power or explore refinance options and take the guesswork out of your next move.
Important information
Mecca Finance does not provide financial or investment advice. The information provided on this website is general in nature and does not constitute specific advice to you. This website and the calculator have been developed without taking into account your objectives, financial situation or needs. Mecca Finance recommends that you obtain independent legal and financial advice to understand whether any financial product or investment is appropriate for you.
Your borrowing power is an estimate only, based on the information you input. The results are for illustrative purposes only and does not constitute an offer of finance. The calculator may allow you to select an input (e.g., interest rate, loan period, repayment type) that may not be available for your actual SMSF loan. Estimated repayments do not include fees and charges payable for your loan and therefore can be higher or lower than the figures shown.
All finance products are subject to the relevant lender’s product terms and conditions, fees, charges, eligibility and credit criteria.
Mecca Finance accepts no responsibility or liability for any loss or damage suffered by you or any other person, arising from the use of or reliance on the information contained on this website.
Our SMSF loan calculator assesses your SMSF borrowing capacity by analysing key figures like your super balance, member contributions, and expected rental income against standard SMSF lending criteria. It is designed to provide a realistic starting estimate to help guide your investment strategy, though please remember it does not constitute a formal finance approval.
This calculator covers both residential and commercial SMSF property loan scenarios, and provides indicative SMSF loan repayments alongside your borrowing capacity result.
Most lenders adopt a 70–80% loan to value ratio, meaning you will need to fund the deposit, stamp duty, GST if it’s a commercial property under vacant possession and any other setcosts.
Contributions + rental income and possibly your business financials if you’re using the property for your business
Some properties are considered lower/higher risk. For example metro locations will typically attract a higher loan to value ratio vs regional areas.
Lenders test repayments at higher "stress test" rates above the current SMSF loan interest rates. SMSF loan rates vary by lender and property type. The calculator uses an indicative rate which you can adjust to model different SMSF loan rate scenarios.
Some lenders will test if the SMSF has sufficient liquid cash after the purchase
This calculator provides a preliminary SMSF borrowing power estimate and indicative SMSF borrowing capacity to help you gauge what might be possible.
However, the final amount you can borrow will ultimately depend on the specific lender chosen, the details of your Self-Managed Super Fund, and your unique financial circumstances.
A Note on Our Role It is important to remember that as finance brokers, we provide credit advice, meaning we specialise in recommending loan products and helping you secure finance.
We do not provide financial advice regarding investment strategies or the suitability of an SMSF; these matters fall within the scope of your Financial Planner.
There are two driving factors that determine your borrowing capacity:
The maximum loan to value ratio for an SMSF residential property loan is typically 80%. For an SMSF commercial property loan, most lenders cap the LVR at 65–75%, depending on the security type, tenant quality, and lender policy. These LVR limits are reflected in the calculator’s deposit calculations.
Most banks have grandfathered and exited the SMSF lending market. There are a number of non-bank lenders that are active in this space, however most SMSF lenders only distribute their products via an accredited Finance Broker.
Meaning, you’ll have a broader amount of choice of SMSF Lenders, vs trying to do this yourself.
Most lenders will look at the lease agreement or proposed rental income and discount or shade the rental income to accommodate for property management fees and the like.
SMSF loan interest rates sit higher than standard investment property loans due to the complexity of the LRBA structure and the limited number of active lenders. Current SMSF loan rates for residential property typically start from around 6–7% p.a., with SMSF commercial loan rates generally starting slightly higher. The calculator uses an indicative default rate, but you can enter a custom SMSF loan interest rate to model your specific scenario. For current SMSF loan rates from lenders on our panel, book a strategy call with our team.