Use our self-managed superfund loan repayments calculator to estimate your loan payments and the total interest you will pay over the life of the loan.
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An SMSF loan repayment calculator helps you:
✅ Determine your estimated monthly repayments
✅ Compare different loan amounts, interest rates, and loan terms
✅ Plan for long-term financial commitments within your SMSF
✅ Make informed investment decisions with greater confidence
An SMSF loan repayment calculator is a simple yet powerful tool that helps trustees analyse the financial impact of an SMSF property loan
To generate an estimate, you'll need to enter the loan amount, which is the amount you plan to borrow, along with the interest rate offered by your lender. You'll also specify the loan term, determining the repayment period, and choose a repayment frequency, whether weekly, fortnightly, or monthly.
Once you enter the details, the calculator will provide an estimate of your monthly repayments and the total interest payable over the loan term. By adjusting the inputs, you can explore different scenarios and determine the best financing strategy for your SMSF investment.
Making informed financial decisions is crucial when managing an SMSF property loan. Using an SMSF loan repayment calculator gives you clarity on your repayment commitments, helping you strategise effectively and align your investments with your long-term retirement goals.
Borrower is SMSF Trustee
Limited recourse borrowing (LBRA)
Residential property (e.g. house, apartment)
Purchase and refinance
LVR up to 60%
Loan term up to 30 years
Additional Repayment
Split accounts
Optional offset facility
Borrower is SMSF Trustee
Limited recourse borrowing (LBRA)
Commercial property (e.g. office, warehouse)
Purchase and refinance
LVR up to 60%
Loan term up to 30 years
Additional Repayment
Split accounts
Optional offset facility
We can help you purchase a residential or commercial property within your SMSF. We can also help you refinance to obtain a better rate or new loan features on your existing SMSF loan.
You can make unlimited additional repayments on our SMSF loan. This means that you can pay off your loan faster than the agreed term and save on interest.
Having an offset account linked to your loan allows your SMSF savings to lower the amount of interest you pay on the home loan.
We can help you purchase with a 20% deposit. No Lenders Mortgage Insurance (LMI) applies for loans up to 80% loan-to-value ratio.
When considering SMSF loan options, it is important to seek advice from a qualified financial and legal adviser to ensure the strategy suits your circumstances and complies with superannuation law. Some general considerations to be aware of include:
Pros
Property investment through super - use your SMSF to purchase residential or commercial property to grow retirement savings.
Concessional tax treatment - rental income and capital gains can be taxed at lower superannuation rates. Consult a financial adviser.
Flexible loan features - unlimited additional repayments and an optional offset facility support cash flow management.
Cons
Higher upfront and on-going costs - SMSF loans can involve higher upfront costs and on-going expenses related to establishing, maintaining and administering the SMSF, in addition to property and loan-related costs.
Strict compliance rules - SMSF loans must meet ongoing Australian Taxation Office requirements.
Restricted property use - the property cannot be used by SMSF members or related parties.
The amount your SMSF can borrow depends on factors such as rental income, your superannuation contributions, SMSF fund cash balance, and loan-to-value ratio (LVR). Typically, lenders allow borrowing up to 80% of the property's value.
No, SMSF properties must be for investment purposes only. You cannot live in or use the property personally. It must be rented out at market rates to unrelated tenants to comply with superannuation laws.
SMSF loans often have higher interest rates due to the Limited Resource Borrowing nature of these loans. Lenders view them as higher risk, which can result in higher interest rates and stricter lending criteria compared to standard home loans. You can view Yard's SMSF loan rates here.
Interest rates for SMSF property loans typically vary depending on the loan type and LVR. Generally, rates are slightly higher than standard mortgage rates. Check here for the latest Yard SMSF loan interest rates.
No, SMSF investment properties cannot be sold to related parties, including your children or family members. The property must remain an arm’s length investment, ensuring all transactions meet ATO compliance regulations.
Yes, you pay stamp duty on a property purchase through an SMSF. Just like any other property purchase, stamp duty is a government tax levied on the transfer of property ownership. This applies even if the property is purchased through an SMSF. Use our stamp duty calculator to estimate your stamp duty fee based on the purchase price of your investment property.
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