Key inputs required
Enter the loan amount your SMSF plans to borrow and the interest rate. Then choose the loan term, up to 30 years, and a weekly, fortnightly or monthly repayment frequency.
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 property loan calculator uses your loan amount, interest rate, loan term and repayment frequency to estimate repayments. Yard's self managed super fund calculator then shows the total cost of the loan over its term
Enter the loan amount your SMSF plans to borrow and the interest rate. Then choose the loan term, up to 30 years, and a weekly, fortnightly or monthly repayment frequency.
The SMSF loan calculator shows your estimated repayment, the total interest payable and the total amount repaid. Adjust the inputs to see how a different rate or term changes the cost of the loan.
Compare the estimated repayment with your fund's expected rental income and contributions. This can help you check that the fund may be able to meet repayments over the loan term.
Self Employed home owners
Flexible income verification
Purchase and refinance
Debt consolidation and equity release
LVR up to 80%
Additional payments
Free redraw
Split accounts
Optional offset facility for +0.10% p.a.^
Borrower is SMSF Trustee
Limited recourse borrowing (LBRA)
Residential property (e.g. house, apartment)
Refinance
LVR up to 60%
Loan term up to 30 years
Additional Repayment
Split accounts
Optional offset facility
Self Employed home owners
Flexible income verification
Purchase and refinance
Debt consolidation and equity release
LVR up to 80%
Additional payments
Free redraw
Split accounts
Optional offset facility for +0.10% p.a.^
Borrower is SMSF Trustee
Limited recourse borrowing (LBRA)
Commercial property (e.g. office, warehouse)
Purchase and refinance
LVR up to 70%
Loan term up to 30 years
Additional Repayment
Split accounts
Optional offset facility
We can help you purchase or refinance a commercial property within your SMSF. We can also help you refinance an existing residential SMSF loan to obtain a better rate or new loan features.
You can make additional repayments on your SMSF loan. This may help you pay off the loan faster than the agreed term and reduce the interest paid.
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 commercial property 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 commercial property, or refinance existing 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 typically depends on its rental income, member contributions, cash balance and the loan-to-value ratio (LVR). Lenders typically allow an SMSF to borrow up to 80% of the property's value. This page estimates repayments rather than borrowing capacity, so it works differently from an SMSF borrowing calculator. A Yard Loan Consultant can assess how much your fund may borrow.
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.
Yes, you can sell a property owned by your SMSF to your child, provided the sale is conducted on an arm's-length basis at market value. Your SMSF should obtain an independent property valuation to support the sale price. Capital gains tax may apply to the SMSF, while your child may need to pay stamp duty and transfer costs. Seek independent legal and tax advice before proceeding.
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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