SMSF Property Loans › What is the liquidity requirement for an SMSF loan?

What is the liquidity requirement for an SMSF loan?

Most SMSF lenders require the fund to keep a cash buffer after settlement, often a percentage of the property value, so the fund can cover repayments, maintenance and unexpected costs without being forced to sell.

Written by Ross McFarlane, Licensed Mortgage Broker (Credit Representative 526725). About the author

Why this matters

Liquidity rules exist because an SMSF should not be left unable to meet its obligations if rent stops or a cost arises. Lenders want to see the fund is not stretched to the last dollar. Planning for this buffer, on top of the deposit, is part of working out whether a purchase is realistic for your fund.

The key points

Lenders want a cash buffer kept in the fund.
Often a percentage of the property value.
It covers repayments and unexpected costs.
Plan for it on top of the deposit.

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Last reviewed: June 2026

General information only. This page provides general information about home loans and is not financial or credit advice, a quote, or a guarantee, and your personal circumstances have not been considered. Lending policies, interest rates, fees and eligibility vary by lender and change over time. Always confirm your own situation with a licensed mortgage broker or lender before acting. Ross McFarlane (Credit Representative 526725) is an authorised Credit Representative of Australian Associated Advisers Pty Ltd t/a Keylend, Australian Credit Licence 392169.