Evolution Lending Partners
Residential Property Only — Indicative Only

SMSF Property Borrowing Calculator

Quickly estimate whether your SMSF may qualify to purchase residential property — including deposit, liquidity and servicing checks — in under 2 minutes.

Designed for SMSF trustees with $150k+ in super considering residential property investment. Not financial or credit advice.

Typical indicative ranges (varies by state, contributions & rental income)

SMSF Balance Approx. Property Range
$200,000~$450,000 – $650,000
$300,000~$650,000 – $900,000
$400,000+~$900,000 – $1,200,000+

Indicative only — actual capacity depends on your specific fund, state, contributions and lender policy.

Assumptions: 80% LVR · 30-year P&I · Servicing assessed at your rate + 3% stress buffer · Income shaded at 80% · SMSF expenses $2,000 p.a. · NSW & VIC stamp duty auto-estimated; other states manual entry.

Enter your details

Section 1 — Funds to complete

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We calculate: 20% deposit + stamp duty + your fees. Then we check you still have a 10% buffer of total project cost remaining in the fund.

This calculator provides indicative results only and does not replace lender assessment or professional advice. Results are subject to lender policy, SMSF compliance, and full credit assessment.

Your indicative result

Complete Section 1 and click Calculate to see your result.

Assumptions & methodology

• LVR fixed at 80% (deposit 20%).

• Stamp duty: NSW & VIC auto-estimate (general rates); manual estimate for other states/territories.

• Funds buffer: PASS if funds remaining after upfront costs ≥ 10% of total project cost (purchase + duty + fees). This is a conservative estimate.

• Servicing: 30-year P&I at your entered rate plus 3% stress buffer; 80% shading on contributions and rent; SMSF expenses fixed at $2,000 p.a.

• Results are indicative only and do not constitute financial or credit advice.

Further reading:

ATO — About Limited Recourse Borrowing Arrangements (SMSF borrowing rules)

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