SMSF-Lending Eligibility Checker

Could your SMSF borrow to buy property?

A guided read on whether your self-managed super fund looks likely to qualify for a property loan through a Limited Recourse Borrowing Arrangement (LRBA) — measured against typical SMSF-lending rules of thumb, with a plain-English “why” for each.

General information & an indicative read only — not financial, credit, tax or superannuation advice, not a loan offer, and not a quote. SMSF borrowing is complex and regulated. Thresholds below are general market rules of thumb, not any single lender’s policy.

1Your fund

Current SMSF balance (total net assets)

Number of fund members

Annual SMSF contributions (concessional + non-concessional, per year)

Bare (custodian) trust in place?

2The property

Property type

Purchase price

Deposit available from the fund (toward this purchase)

Expected gross rent (per year)

3After the purchase

Estimated cash & liquid assets the fund would hold after paying the deposit and costs

SMSF-lending rules of thumb — transparent & editable

Max LVR — residential

Max LVR — commercial

Minimum fund balance

Post-settlement liquidity buffer

Defaults reflect common SMSF-lending rules of thumb across the market (see code comments, all as at 3 Jun 2026). They are general market rules of thumb, NOT a specific lender’s policy. Editing them changes the read live.

SMSF-lending rules of thumb current as at 3 June 2026 — verify before relying.

Your indicative SMSF-lending read

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Unlock the full read below to see how your fund measures against each criterion, the plain-English “why”, and your next step.

See your full eligibility read

Enter your email to reveal the criterion-by-criterion breakdown, the “why” behind each, your next step, and to receive our plain-English guide “SMSF property lending explained — LRBAs, eligibility and the traps”.

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Your indicative SMSF-lending read

Built from your answers against general SMSF-lending rules of thumb. Indicative only — a lender, and your licensed advisers, will assess your full circumstances.

How your fund measures up — criterion by criterion

SMSF-lending rules of thumb current as at 3 June 2026 — verify before relying.

Important. This is general information only and an indicative estimate — not credit assistance, a loan offer, or a quote. Figures are estimates and may differ from a lender’s assessment. Consider your circumstances and seek advice before acting.

SMSF borrowing is complex and regulated — this is general information only, not financial, credit, tax or superannuation advice. Obtain licensed SMSF/financial and legal advice before acting.