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Important Disclaimer & Assumptions
Assumptions: SMSF lending has strict regulatory requirements under the SIS Act. Maximum LVR is typically 70-80% for residential and 65-70% for commercial. All SMSF borrowing must be via a limited recourse borrowing arrangement (LRBA) through a bare trust. Seek specialist SMSF advice.
General Disclaimer: This calculator is provided by McNaughton Family Co Pty Ltd ATF McNaughton Family Trust, trading as Mortgage & Finance Advisory (Credit Representative 575841, authorised under Connective Credit Services Pty Ltd, Australian Credit Licence 389328) for illustrative and educational purposes only. Results are estimates based on the information you provide and the assumptions listed above. They do not constitute financial advice, a loan offer, or a guarantee of any outcome.
Actual loan terms, interest rates, fees, government charges, and eligibility criteria will vary between lenders and depend on your individual circumstances. Interest rates used are for comparison purposes only and may not reflect current market rates.
We recommend seeking independent financial, legal, and tax advice before making any financial decisions. For personalised advice tailored to your situation, please book a free strategy call with our team.
© 2026 McNaughton Family Co Pty Ltd ATF McNaughton Family Trust, trading as Mortgage & Finance Advisory. All rights reserved. ABN: 90 732 203 952 | Credit Representative 575841 | Australian Credit Licence: 389328 (Connective Credit Services Pty Ltd)
Yes, SMSFs can borrow to buy property through a Limited Recourse Borrowing Arrangement (LRBA). The property must be held in a separate bare trust, meet the sole purpose test, and not be acquired from a related party (with some exceptions for business real property).
SMSF loan rates are typically 1-2% higher than standard investment loans, ranging from 6.5-9%. This premium reflects the additional complexity and risk. LVRs are usually capped at 70-80% for residential and 65-70% for commercial property.
Key rules: the property must meet the sole purpose test (providing retirement benefits), cannot be lived in by members or related parties, cannot be rented to members, must be a single acquirable asset, and improvements during an LRBA are restricted. Penalties for breaching rules are severe.
