But Did They? — The SMSF Commercial Property Calculator

The deal

Combined super balance

Purchase price

Loan-to-value ratio %

Rate % a year

Term years

Net yield %

Stamp duty

Legal, bare trust, due diligence

Paying it down

Contributions each year chapter 19

Extra onto the loan each year

Fund running costs a year

Repayment held where it is Untick to see what happens if you let the lender drop the repayment after a lump sum. Chapter 20 — usually the biggest number here.

The vacancy test

Commercial vacancies run three to twelve months and the loan doesn't pause. This is the test that should set your LVR.

Months with no tenant

Year it happens

Does it stack up?

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Cover ratio — lenders generally want 1.25 or better

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Asset controlled

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Out of the fund

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Net rent, year one

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Loan repayment a year

Loan down to zero

Grey is minimum repayments only. Orange is your plan with extra repayments. The gap is years you never have to pay for.

Rent back to your own business

Chapter 11. If your business is the tenant, the rent is not a contribution — it doesn't touch your caps. Here's what that moves into super over the life of the lease.

Your business as tenant

Rent review % a year

Your company tax rate %

Rent is deductible to the business and taxed at 15% in the fund, less the interest deduction. It is not a contribution — see chapter 11.

Against contributions alone

Before-tax contributions are capped at $32,500 per member for 2026-27. Rent is not.

What each extra repayment buys

Chapter 18. Your own entry is highlighted.

Extra paid each year

Each year	Cleared in	Interest saved

Cover ratio by LVR

LVR	Loan	Repayment	Cover

Before you offer on anything. This is arithmetic, not advice. It cannot tell you whether the property is business real property under section 66 — and if it isn't, none of these numbers exist. Get that confirmed in writing by a solicitor first. It also can't see your lease, your tenant's covenant, the GST treatment, or your fund's deed. Take the questions in Appendix B to an SMSF-specialist accountant.