SMSF Borrowing Calculator

Model your SMSF property purchase: LRBA capacity, cash requirements, loan serviceability, and fund health.

Fund Position

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$

Cash + term deposits available in fund

yrs

Property & Loan

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%

SMSF rates typically 0.5-1% higher

yrs
$

Costs

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$
$
%
$
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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

Deposit (30%)$195,000
Stamp Duty (est.)$24,457
Bare Trust Setup$3,500
Legal / Conveyancing$5,000
Total Cash Needed$227,957

Fund Health After Purchase

Remaining Liquidity$272,043
Liquidity Ratio54%
Property % of Fund130%

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).

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