Free calculator

SMSF borrowing power calculator

Get an indicative idea of how much a self-managed super fund could borrow to buy property.

What we can — and can’t — advise on

Foundation Finance operates as a credit representative under an Australian Credit Licence. We can advise on the credit product — the loan itself, how it’s structured, and which lenders suit your situation. Whether a self-managed super fund, trust or company structure is right for you is financial product, tax and legal advice, which sits with your licensed financial adviser, accountant or solicitor. This page covers the credit side only.

SMSF balance available

Annual contributions

Expected annual rent

Assessment interest rate

Maximum LVR

Loan term

yrs

Indicative SMSF borrowing capacity

$514,964

Indicative property value: $735,663
Limited by deposit: $525,000
Limited by serviceability: $514,964

Indicative only and not financial product or tax advice. SMSF lender policy varies widely. Whether an SMSF or buying property in an SMSF suits you is a decision for a licensed financial adviser and your accountant — we arrange the loan once you've had that advice.

Get a personalised assessment

These figures are estimates. Tell us your details and we’ll give you real numbers — free and with no obligation.

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Who handles what

Getting it right usually means a small team. Here’s who does which part — we’ll gladly work alongside your other professionals.

Us (Foundation Finance)

The loan — structure, features, lender selection, serviceability and the application.

Licensed financial adviser (AFSL)

Whether an SMSF or investing via super suits you, and any financial-product advice.

Registered tax agent / accountant

Your tax position — negative gearing, deductions and CGT for your circumstances.

Solicitor

Legal structures, trust deeds, contracts and asset protection.

Quantity surveyor

An ATO-compliant tax depreciation schedule for your property.

General advice warning: The information on this page is general in nature and factual only. It does not take into account your objectives, financial situation or needs, and is not financial product, tax, credit or legal advice. Tax, superannuation and SMSF outcomes depend on your circumstances — speak to a registered tax agent and a licensed financial adviser before acting. Any estimates or calculator results are indicative only and not an offer of credit, a quote, or a guarantee of approval or savings.