SMSF Borrowing Calculator
Model your SMSF property purchase: LRBA capacity, cash requirements, loan serviceability, and fund health.
Fund Position
Cash + term deposits available in fund
Property & Loan
SMSF rates typically 0.5-1% higher
Costs
Results
LRBA Loan Amount
$455,000
70% LVR (30% deposit)
Total Cash Required
$227,957
Deposit $195,000 + Costs $32,957
Monthly Repayment (P&I)
$3,216
SMSF loans must be P&I
Annual Cash Flow
$-19,715
After 15% SMSF tax
Feasibility Checks
Cash available covers deposit + costs
Short by $27,957
LVR within SMSF lender limits
70% LVR (most lenders cap at 70-80%)
Rental income covers expenses
$18,875/yr net rental vs $38,590/yr repayments
Fund retains adequate liquidity
54% of fund remains liquid after purchase
Loan serviceability
May need additional fund contributions
Purchase Costs
Fund Health After Purchase
Important Disclaimer
SMSF property acquisition involves complex regulatory requirements under the SIS Act. This calculator provides estimates only and does not assess compliance, sole purpose test, or investment strategy alignment. You MUST obtain professional advice from a qualified SMSF specialist before proceeding. Ding Group provides integrated SMSF advisory through Local Knowledge (CPA), Ding Financial (SMSF Lending), and Ding Real Estate (Property Selection).