SMSF property borrowing
Can your SMSF buy a property — and for how much?
LRBA-aware calculator: factors LVR caps (70% residential, 65% commercial), fund-balance minimum ($200k typical), single-acquirable-asset rules, and serviceability against your fund's contribution rate. Compliance-flagged if your fund fails any major rule.
Max purchase price
$377,747
Max LRBA loan
$264,423
at 70% LVR
Deposit required
$113,324
from fund balance
Annual interest
$19,567
at quoted rate
Compliance flags
- Residential SMSF property must be at arm's length — no member or related-party use, ever.
- Property must be held under a bare trust + LRBA structure — set up before contracting.
- Single Acquirable Asset rule: the property must be one identifiable asset (no off-the-plan separate-titled subdivisions).