An SMSF mortgage lets your fund borrow to buy property under a Limited Recourse Borrowing Arrangement. Compare rates, repayments and tax outcomes against a personal investment mortgage in seconds.
*Indicative SMSF mortgage rates as at May 2026. Pricing varies by LVR, fund balance and lender.
Borrowing power, repayments, projected rental income and side-by-side personal vs SMSF tax – live, with no signup required.
Australia-wide · Updated for FY 2026
Total funds currently held in your self-managed super fund.
Combined concessional + non-concessional contributions per year.
Estimated purchase price of the SMSF investment property.
Australian state where the property is located, sets the stamp duty rate.
% of the property value you want to borrow. Specialist SMSF lenders offer up to 90% LVR.
Max Borrowing Power
$600,000
Deposit Required
$150,000
Stamp Duty (NSW)
$41,250
Indicative estimate based on your inputs. For a personalised borrowing assessment and full PDF report, book a free 15-min call below.
Next steps: Crunching the numbers is step one. When you're ready to apply, see our recommended SMSF property loan brokers for the Sunshine Coast region, or compare lender rates and LRBA structures.
Your personalised PDF report covers full borrowing power, tax savings, stamp duty & loan options based on your inputs above. Delivered by Brokerly, one of Australia's most awarded individual mortgage brokerages. No cost, no obligation.
An SMSF mortgage carries a 0.50-1.50% rate premium and tighter LVR caps, but rental income is taxed at 15% instead of marginal rates up to 47%. On a $600/week rental property, the after-tax outcome is usually $5,000-$12,000 a year better inside the SMSF.
An SMSF mortgage is held by a bare trust trustee, not the SMSF directly. The fund makes the repayments from rent and contributions; on payout, legal title transfers to the SMSF. This single-asset structure is what gives the lender 'limited recourse'.
No cross-collateralisation. No redraw or top-up against the same security. No purchase from a related party (except business real property). No use by members or relatives. Breaching any of these can disqualify the fund and trigger penalties up to 45% of fund assets.
An SMSF mortgage suits trustees with $200,000+ in super, stable contributions, a 10-15+ year investment horizon, and a willingness to wear higher rates for materially lower tax. The calculator above models the trade-off in your exact numbers.
An SMSF mortgage is a Limited Recourse Borrowing Arrangement that allows your self managed super fund to take out a loan secured against a single property held in a bare trust. The lender's recourse is restricted to that property only.
No – the headline rate is 0.50-1.50% higher than a standard investment mortgage in 2026. The advantage is tax: net rent is taxed at 15% inside the fund (0% in pension), versus marginal rates up to 47% personally, often more than offsetting the rate premium.
No. SMSF mortgages must be limited recourse against the single asset purchased, so cross-collateralisation against another fund or personal property is prohibited under the SIS Act and not offered by any specialist lender.
Generally no. Most SMSF mortgages do not allow redraw or top-up because additional borrowing would breach the single-acquirable-asset rule. Some lenders allow a same-property top-up for capital improvements but not for new purchases.
Yes. SMSF mortgage refinances are common in 2026 – particularly off legacy major-bank loans (closed to new business) or onto specialist 90% LVR products. Most refinances complete in 4-6 weeks with no break costs on variable loans.
Most 70-80% LVR SMSF mortgages do not require LMI – risk is priced into the rate instead. The 90% LVR specialist SMSF mortgages typically do carry LMI or a risk fee of around 1.5-2.5% of the loan, capitalised onto the loan balance.
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