--- title: How much can a SMSF borrow to buy property? description: SMSF loans generally allow up to 70% leverage and 30-year terms, with up to five years of interest-only repayments. image: https://smsfmortgagespecialists.com.au/hubfs/how_much_can_SMSF_borrow_buy_property.jpg --- [![APEX_SMSF_Specialists_logo](https://smsfmortgagespecialists.com.au/hs-fs/hubfs/APEX_SMSF_Specialists_logo.png?width=449&height=80&name=APEX_SMSF_Specialists_logo.png "APEX_SMSF_Specialists_logo")](http://SMSF%20Mortgage%20Specialists) [![SMSF Mortgage Specialists](https://smsfmortgagespecialists.com.au/hs-fs/hubfs/SMSF_Mortgage_Specialists_square.png?width=800&height=800&name=SMSF_Mortgage_Specialists_square.png "SMSF Mortgage Specialists")](http://SMSF%20Mortgage%20Specialists) [![SMSF Mortgage Specialists](https://smsfmortgagespecialists.com.au/hs-fs/hubfs/SMSF_Mortgage_Specialists_square.png?width=800&height=800&name=SMSF_Mortgage_Specialists_square.png "SMSF Mortgage Specialists")](http://SMSF%20Mortgage%20Specialists) This is a search field with an auto-suggest feature attached. - There are no suggestions because the search field is empty. - [HOME](https://smsfmortgagespecialists.com.au) - [SMSF LENDING](https://smsfmortgagespecialists.com.au/about-smsf-lending) - [ABOUT](https://smsfmortgagespecialists.com.au/about-smsf-mortgage-specialists) - [ARTICLES](https://smsfmortgagespecialists.com.au/articles) - [SMSF CALCULATOR](https://smsfmortgagespecialists.com.au/smsf-calculator) - [CONTACT](https://smsfmortgagespecialists.com.au/contact-us) This is a search field with an auto-suggest feature attached. - There are no suggestions because the search field is empty. # How much can a SMSF borrow to buy property? by [Robby van Dalen](https://smsfmortgagespecialists.com.au/articles/author/robby-van-dalen) | Jun 15, 2023 # How much can a SMSF borrow to buy property? SMSF loans generally allow up to 70% leverage and 30-year terms, with up to five years of interest-only repayments. **The minimum loan amount is $100,000 with no set maximum**, subject to lender approval of the property and borrowing capacity of the fund. ## What do lenders look for when lending to an SMSF? Using your super to invest in property often involves more stringent borrowing conditions. You will have to meet the following in order to be considered for SMSF borrowing: - Deposit: For SMSF borrowing, the deposit is expected to typically be at least 30% of the property’s value. - Rental income: The income expected from the property is factored into the borrower’s ability to make repayments. - Patterns of contribution: How frequently and consistently members make contributions to the fund will also be used as an indicator of the borrower’s capability to meet repayment obligations. - Investment strategy: Direct property investing and borrowing must be permitted under the trust deed and be part of the SMSF investment strategy for the fund to be viewed as an acceptable borrower. - Structure of SMSF: The structure of the fund must be compliant with the relevant authorities such as the Australian Taxation Office (ATO) and the Australian Securities and Investment Commission. ## ARE YOUR READY TO INVEST?  If you have decided you want to purchase a property within you SMSF or would like to refinance an existing loan, please click the 'Start Here' button below, this will take you to our online Fact-find platform in which you can fill out your details. We will connect with you within 1 business day to confirm and discuss the next steps. 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