Free SMSF tool
SMSF property calculator: yield and holding costs
Estimate the rental yield, the Queensland stamp duty and the holding costs of a completed investment home in South-East Queensland that your self-managed super fund could buy with cash. The optional borrowing figures apply only to existing or pre-deadline arrangements, since new residential SMSF borrowing is legislated to end from 10 August 2026. Change any figure and the numbers update instantly.
Your numbers
Indicative estimate
Indicative only. Lenders typically require a minimum fund balance around $200,000–$250,000 and want a cash buffer (often ~10% of fund value, or $30,000–$50,000) kept aside after settlement, which is not counted in the cash-to-settle figure above.
Can my SMSF still borrow?
New residential SMSF borrowing under a Limited Recourse Borrowing Arrangement (LRBA) is legislated to end from 10 August 2026. The ban received Royal Assent on 26 June 2026. Existing LRBAs, and any contract of sale exchanged before that date, are grandfathered. An SMSF can still buy a completed home with cash. The borrowing scenario in this calculator therefore applies only to a grandfathered or pre-deadline arrangement.
Where borrowing applies, lenders historically capped it around 70% of the property value, so the fund needed roughly a 30% deposit plus costs, with a few specialists going to 80%, tougher serviceability tests than a normal home loan, and a fund balance often around $200,000 to $250,000. The calculator borrows the LVR you set against the purchase price; set the LVR to 0% to model a cash purchase instead.
Estimate your rental yield
Gross yield is annual rent divided by the purchase price. Net yield takes out running costs like rates, insurance, property management and maintenance. New houses across South-East Queensland commonly sit near a 4% gross yield, though it varies by suburb and product.
Always confirm the likely rent with a rental appraisal rather than assuming a yield. Pearson Bros Homes can provide a rental appraisal on any available home.
Stamp duty and upfront costs
An SMSF buys through a bare (holding) trust as an investment, so it pays Queensland transfer duty at the general investor rate. Home-owner and first-home concessions never apply to a fund. On top of duty, budget for the bare trust setup, conveyancing, lender fees and a building and pest inspection.
The calculator estimates Queensland duty from the official rate brackets and adds a default allowance for the other upfront costs. Confirm exact figures with the Queensland Revenue Office and your conveyancer.
See completed, SMSF-ready homes
Pearson Bros Homes builds completed, turnkey investment homes across South-East Queensland, sold under a single contract so your fund buys a ready-to-lease asset with no construction inside the fund.
View available propertiesFrequently asked questions
Can my SMSF still borrow to buy property?
New residential SMSF borrowing under an LRBA is legislated to end. The ban received Royal Assent on 26 June 2026 and commences 10 August 2026, so from that date a fund cannot take out a new LRBA to buy a residential property. Existing LRBAs and contracts of sale exchanged before 10 August 2026 are grandfathered, and an SMSF can still buy a completed home with cash. The borrowing figures in this calculator apply only to grandfathered or pre-deadline arrangements; where they do, lenders historically capped borrowing around 70% of the property value and wanted a fund balance around $200,000 to $250,000. This is general information only, not advice; speak to your accountant or a licensed SMSF specialist.
How is SMSF rental yield calculated?
Gross rental yield is the annual rent divided by the purchase price, as a percentage. Net yield deducts holding costs such as rates, insurance, property management and maintenance. New houses in South-East Queensland commonly sit around a 4% gross yield. The calculator shows both; confirm expected rent with a rental appraisal.
Does this calculator include Queensland stamp duty?
Yes. It estimates Queensland transfer (stamp) duty on the purchase price at the general investor rate, which is what an SMSF pays buying through a bare trust. Home and first-home concessions do not apply to an SMSF. The figure is indicative; confirm the exact duty with the Queensland Revenue Office or your conveyancer.
Is this calculator financial advice?
No. It provides general information and indicative estimates only and does not take your personal circumstances into account. New residential SMSF borrowing under an LRBA is legislated to end from 10 August 2026, with existing arrangements and contracts exchanged before that date grandfathered; an SMSF can still buy a completed home with cash. Pearson Bros Homes is a builder and vendor, not a licensed financial adviser. Speak to your accountant or a licensed SMSF specialist before acting.
Keep reading
General information only — not financial, investment, tax or legal advice. This calculator provides general information and illustrative estimates only. It does not take into account your objectives, financial situation or needs, and is not financial product advice, tax advice or legal advice. Outputs are estimates based on the assumptions and rates you enter and on general 2025–26 figures; actual loan terms, interest rates, lender LVR limits, rental income, running costs, transfer duty and SMSF eligibility will differ for your circumstances.
New residential SMSF borrowing through a Limited Recourse Borrowing Arrangement (LRBA) is legislated to end. The ban received Royal Assent on 26 June 2026 and commences 10 August 2026; from that date a fund cannot take out a new LRBA to buy a residential property. Existing LRBAs, and any contract of sale exchanged before 10 August 2026, are grandfathered, and an SMSF can still buy a completed home with cash. Any borrowing scenario shown here applies only to those grandfathered or pre-deadline arrangements. Borrowing inside an SMSF is complex, is restricted to a single acquirable asset, and carries significant compliance, liquidity, diversification and sole-purpose-test obligations under the SIS Act 1993. Stamp duty, contribution caps and tax rules change and are subject to eligibility conditions.
Pearson Bros Homes is a property builder and vendor, not a licensed financial adviser, tax agent or credit provider, and does not provide personal advice. Before acting, obtain independent advice from a licensed financial adviser (AFSL), a registered tax agent, a licensed credit provider or mortgage broker, and your SMSF accountant or solicitor. Verify all figures, including current duty rates and contribution caps, with the Queensland Revenue Office and the ATO before making any decision.