What LVR can an SMSF borrow at via an LRBA?

Most lenders cap residential SMSF LRBA loans at 70-80% LVR, and commercial at 60-70%. APRA-regulated lenders apply stricter rules than non-bank specialists. The fund must have liquidity to service the loan even in vacancy.

What is the single acquirable asset rule?

An SMSF LRBA can only fund the purchase of one distinct asset per limited-recourse borrowing arrangement, e.g. one property, not a portfolio. Replacement assets are allowed but require a new LRBA structure if you sell and buy again.

What's the minimum SMSF balance to buy property?

There's no statutory minimum, but most professionals consider A$200,000-A$250,000 the practical floor for residential due to setup costs, deposit requirements, and ongoing fund expenses. Below that the costs erode the investment thesis.

SMSF property borrowing

SMSF borrowing: can your fund 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.

Fund balance

Annual contributions

Property typeInterest rate

% p.a.

Max purchase price

$412,088

Max LRBA loan

$288,462

at 70% LVR

Deposit required

$123,626

from fund balance

Annual interest

$21,346

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).