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Home Calculators How much can I borrow? Calculator
Could you be investing in property using your superannuation? Find out how much you can borrow using your super in just a few easy steps.
Based on the data you have supplied, we estimate you can borrow:
The figures provided should be used as an estimate only, should not be relied on as a true indication of your available SMSF loan borrowing amounts or indication of pre-qualification for any SMSF home loan product. The figures are based upon the information you put into the calculator. We have made a number of assumptions when producing the calculations including:
We assume that the rate you enter, is the rate that will apply to your loan for the full loan term – even if you choose: A variable rate; or An interest only rate which, in practice, will only apply for a limited period after which a different rate will apply.
We assume that a tenant would be occupying the property for the entire of the loan term and that the income that you enter will apply for the entirety of the loan term.
We assume that the salary entered applies for the entirety of FY2025-2026 and the internal taxation calculation accounts for this.
We assume that the salary entered is included/not included in the Annual Salary field and the entirety of the amount entered is paid into the relevant borrowing SMSF entity.
The result generated is based on current market conditions and internal decisions regarding lending parameters. This amount may differ if the same figures were to be inputted at a different date and is not a true indication of the allowable amount should a full application be provided and reviewed by us.
To work out how much money you can borrow to invest in property using your superannuation, you need four pieces of information.
For example, David is a solo investor who wishes to buy a property in the Sydney suburb of North Rocks. The interest rate on the loan he is looking at is 5%. The expected weekly rent adds up to $27,040 per year. David’s annual salary is $75,000 and his salary sacrifice is $10,000.
After putting all these numbers in the allocated positions in the How much can I Borrow? SMSF calculator and clicking ‘Calculate Now!’ the result turns out to be $491,677. This means that considering David’s specific circumstances, it is estimated that his lender will be willing to loan him up to about $491,677.
Now David has a clear idea about roughly how much his lender will loan without even having to consult them. But banks won’t lend just any amount. There is usually a minimum loan and maximum loan. For example, a typical minimum loan is about $100,000 and a typical maximum loan is about $2,000,000.
It is also worth noting that loans to SMSF’s are ‘limited recourse loans’. This means that if you default, the bank can only access the investment property itself and any other property securing the loan. The lender cannot access any other super assets.