SMART PROPERTY ROUTES · INVESTOR TOOLKIT

SMSF Borrowing & Cashflow Analysis

Prepared for —

Scenario —

Prepared by —

Date —

[ Report ]

Report details (for print & PDF)

Client Name

Scenario

Prepared By

Date

These appear on the printed/PDF report header. Fill them before clicking Print / PDF.

Borrowing Capacity

Maximum serviceable loan

Servicing Ratio

0.00

—

Cash for Settlement

—

Annual Cashflow

After tax · before depreciation

[ Inputs ]

Members & Super

Member 1

Annual Salary (excl. super)

Super Rate %

Member 2 (optional)

Annual Salary (excl. super)

Super Rate %

Fund

Combined Super Balance

Extra Voluntary Contributions (Monthly)

SMSF Running Costs (Annual)

Concessional contributions cap is $30,000 per person (FY24-25 / 25-26). Voluntary contributions auto-capped at the remaining room.

[ Property ]

The purchase

Property Type

Commercial loans carry +0.5% rate loading and typically use net rental yield.

Purchase Price

State (for stamp duty)

Desired LVR %

Loan Term (Years)

Interest Only Years (max 5)

Rental Income

Enter rent as

Gross Rental Yield %

[ Costs ]

Acquisition costs

Buyer's Agent Fees

SMSF Setup & Advisor

Solicitor / Conveyancing

Valuation

Pest & Building

Stamp Duty Override ($)

Stamp duty auto-calculated by state. Override only if you have a precise figure from your conveyancer.

[ Assumptions ]

Lender rates & expense ratios

▾

Lender Rates

Residential Base Rate %

Commercial Base Rate %

Interest-Only Loading %

Commercial Loading %

Servicing Stress Buffer %

Lender Rent Haircut %

Tax & Caps

SMSF Earnings Tax %

Concessional Cap (per member)

SMSF Running Cost Floor ($/yr)

Cashflow Expense Ratios

Agent Commission % of rent

Repairs % of purchase price

Defaults from the Palise spreadsheet — adjust as your lender / broker quotes change.

[ Borrowing ]

Servicing breakdown

Member 1 employer super	$0
Member 2 employer super	$0
Voluntary contributions (capped)	$0
Less: SMSF running costs	$0
Net contributions	$0
Rental income (gross)	$0
Lender haircut	$0
Interest deduction	$0
SMSF tax on taxable income	$0
Income for servicing	$0
Stress-tested annual repayments	$0
Maximum serviceable loan	$0

Rate applied: —

[ Cash check ]

Deposit & settlement

Deposit (price × (1 − LVR))	$0
Stamp duty	$0
Buyer's agent fees	$0
SMSF setup & advisor	$0
Solicitor / Conveyancing	$0
Valuation	$0
Pest & Building	$0
Cash required at settlement	$0
Current super balance	$0
Surplus / (Gap)	$0

[ Cashflow ]

Annual SMSF cashflow

Fixed expenses (editable)

Bank Fees ($/yr)

Insurance ($/yr)

Council Rates ($/yr)

Strata Levies ($/yr)

Water Rates ($/yr)

Calculation

Member 1 employer contributions	$0
Member 2 employer contributions	$0
Voluntary contributions (capped)	$0
Annual rental income	$0
Total revenue	$0
SMSF operational costs	$0
Annual loan repayments	$0
Agent commissions	$0
Bank fees	$0
Insurance	$0
Council rates	$0
Strata levies	$0
Water rates	$0
Repairs	$0
Total expenses	$0
Net annual cashflow	$0