Unlike a personal home loan where lenders assess your salary, SMSF borrowing power is calculated based on the fund's ability to repay — not your personal income. Lenders look at expected rental income, member contributions, existing fund assets, and fund expenses.
It depends on fund balance, contribution rate, and expected rental income. An SMSF with $300,000 in assets and $55,000/year in contributions can typically borrow $400,000–$490,000.
No legal minimum, but most experts recommend at least $200,000–$300,000.
Yes. Employer SG contributions flow into your SMSF and are factored into the borrowing assessment.