How to use our SMSF Borrowing Power calculator
Finding out how much you can borrow through your SMSF has never been easier!
To work out how much money you can borrow to invest in property using your super, you will need four pieces of information.
-
The interest rate of the loan you wish to use.
-
The annual rental income expected from the property (to be factored into the borrower’s ability to make repayments).
-
Your annual salary.
-
Your total salary sacrifice (a portion of an employee’s wages they wish to relinquish in exchange for another benefit of similar value).
Once you have these details, enter them into our calculator and we will show you your estimated maximum borrowing capacity.
How much can an SMSF borrow to buy an investment property?
SMSF loans generally allow up to 80% LVR and 30-year loan terms, with up to five years of interest-only repayments. The minimum loan amount is $50,000 up to a maximum loan amount of $1,000,000, subject to approval of the property and the borrowing capacity of the fund.
There are some advantages of borrowing money through your SMSF.
-
It allows for diversification of the investments.
-
You receive tax benefits on interest.
See how we can help you today!
Home loan FAQs
A Self-Managed Super Fund is a private superannuation fund that allows you to manage your own superannuation investments for your retirement. Not everyone can set up their own super, so understanding the basics is crucial before getting started. We always suggest you speak to your accountant or financial advisor for any questions on setting up your SMSF.
At this stage, we’ll only accept residential investment properties.
Yes. You can buy numerous investment properties with your SMSF. You will need to account for your fund’s capacity to cover the ongoing costs that come with each property to make sure that this won’t be too much of a set back for your fund’s investment goals.
The main constraint is whether or not you will get approval if you need additional funding.
If your employer contributions are sufficient to service the debt, then we may not need to assess your personal financial position.
However, if you need to make additional contributions to be able to make the repayments, then we may need to complete a full assessment of your personal situation.
Our team is more than happy to discuss this further with you, depending on your individual circumstances.
You can get your dream home at a great low home loan rate because of our online model. We don't have to pay for branches or broker commissions, which means we are able to pass our savings directly on to you through low home loan rates and and no ongoing, annual or monthly fees.
Other Calculator
Why choose us?
loans.com.au is an award-winning online lender that is proudly Australian and based in the heart of Brisbane, with offices in other capital cities.
Super low interest rates
Experienced, Brisbane-based loan specialists
Flexible home loans
Awarded by our industry
Australian owned and run
onTrack Advantage
Our Awards
We’re efficient. For the last 10 years, we’ve won awards each year for our innovation, low rate home loans and car loans and extras like our offset sub-account from experts like RateCity, Canstar and WeMoney to name a few.
Whatever stage of the home loan journey you're at, we can help
I'm buying my next home
We can approve your application quickly to help you get the keys to your next home as soon as possible, and with our low rates, it's possible for you to own your home sooner.
I'm refinancing
At loans.com.au, we make it easy for you to start saving thousands on your home loan repayments, as soon as possible. You don't even have to contact your old lender - we can do the hard work for you.
I'm buying my first home
The friendly lending specialists at loans.com.au are here to help you as much as you need when buying your first home. We can walk you through all your options to find the right loan for you, and we have a number of handy guides and videos available to help with the process.
I'm building a home
When you're building or doing major renovations, you have a lot on your mind. We can help take the stress out the finance with low rates and an easy online application so you can focus on the build.
Got a question? We can help
Chat online now
If you need help using our Home Loan Repayment Calculator or are ready to get started on your home loan journey, send us a message via Live Chat and we’ll get back to you instantly.
Talk to a home lending specialist
Our experienced lending specialists can answer any questions you have on our home loans or the home loan process.
Welcome to loans.com.au _
Just in case we lose you, may I ask for your contact details....