Freedom Commercial

Commercial Lending

Commercial Purchase Calculator

Work out your funding position before you commit

1 Property Details

Purchase Price

Asset Type

State

Property Location

Borrower Structure

Estimated Lender Fees (% of Loan)

Legal / Conveyancing (Est.)

2 Funding Position

LVR Scenario Max: 80%

Max Loan Amount

—

Required Deposit

—

Stamp Duty (Est.)

— (Estimate only — rates vary by state and structure)

Lender Fees (Est.)

—

Legal Fees

—

Funds to Complete ℹ

—

$ Estimated Repayments

BBSW Rate (3-month) (current as at 01/07/2026)

Lender Margin

Total Rate (BBSW + Margin) —

Amortisation (Years)

Repayment Type

Monthly Repayment —

Annual Repayment —

BBSW (Bank Bill Swap Bid Rate) + lender margin. BBSW changes daily — update the rate above to reflect current market. Amortisation period shown for indicative purposes; commercial loan terms are typically 3–5 years, often on IO. Seek professional credit advice.

Stamp duty is an estimate based on standard rates current as at 29 June 2026. Regional concessions are subject to eligibility — verify with your State Revenue Office before relying on these figures. Lender fees and legal costs are indicative. Seek professional advice before committing to a purchase.

Talk to a Commercial Specialist →

Development Finance
Calculator

Model your funding position and feasibility before you go to ground. Real numbers, real constraints — in seconds.

1 Project Costs

Land / Site Cost

Construction Cost Method

Construction Cost

Soft Costs (consultants, permits, marketing)

—

Contingency

Standard lender requirement 5%

—

Development Type

TDC LVR: 80% · GRV LVR: 65%

State

2 Funding Structure

Loan Term 18 months

6m12m18m24m30m36m

Interest Rate (p.a.)

Interest Type

3 Results

Enter project details

Complete the fields on the left to see your feasibility result.

Project Costs

Total Development Cost —

↳ Land Cost —

↳ Construction —

↳ Soft Costs —

↳ Contingency —

Finance Position

Max Loan (TDC basis) —

Max Loan (GRV ex-GST basis) —

Binding Limit —

Interest Reserve (Est.) —

Equity Required —

Total Equity Required —

Returns

Gross Realisation Value (GRV) —

—

Development Profit (Est.) —

— Profit on Cost

Return on Equity —

Indicative figures only. Development finance terms vary by lender, project type, and borrower profile. Seek independent advice before proceeding.

Speak to a Development Finance Specialist →

SMSF Lending Calculator

Model your SMSF borrowing position, liquidity, and serviceability

1 Loan Details

Loan Type

Property Details

Purchase Price

Asset Type

Max LVR

Up to 80%

Override LVR %

State

SMSF Details

Current SMSF Balance ℹTotal value of all assets currently held in your SMSF before this purchase. This balance is used to assess liquidity post-settlement.

Annual Employer Contributions

Annual Member Contributions

Concessional cap: $30,000 p.a.

Expected Rental Income — Commercial (p.a.)

100% assessed

Loan Terms

Interest Rate (p.a.) ℹThe loan's annual interest rate. Assessment adds a 2.0% buffer above this rate for serviceability testing.

Default rate set for current market. Speak to us for your rate.

Application Fee ℹCommercial est. $4,000 (valuation + application + lender legals). Residential: $650 — lender covers val & application. Editable.

Legal / Conveyancing

2 Funding Position

Max Loan

—

Applied LVR

—

Required Deposit

—

Stamp Duty (Est.) Estimate only

—

Application Fee

—

Legal Fees

—

Funds to Complete

—

LIQUIDITY TEST ℹSMSF must retain at least 5% of the loan amount post-settlement to ensure adequate operating liquidity.

Post-Settlement SMSF Balance

—

Required Liquidity Reserve5% of loan amount

—

Surplus / Shortfall

—

3 Serviceability

—

7.49% + 2.00% buffer = 9.49%

Income Assessment

Income Source Gross Assessed

Employer Contributions — — (85%)

Member Contributions — — (85%)

Rental Income — —

SMSF Returns ℹ3.5% p.a. assumed return on post-settlement SMSF balance (excluding property asset). — — (100%)

Total Assessable —

Employer Contributions (85%) —

Member Contributions (85%) —

Rental Income —

SMSF Returns (3.5%) —

Total Assessable —

Required Income to Service Loan × Assessment Rate × 1.25× cover

—

Serviceability Surplus / Shortfall

—

Development FinanceCalculator

SMSF Lending Calculator

Development Finance
Calculator