This is the question we asked two different experts in the property industry. The whole goal of capital growth is to purchase a property and to have it increase in value over time either through doing work on it yourself or most likely through the market just going up and then selling it or borrowing against that growth in order to access that money. The answer to that is fairly simple. For those of you who have never bought a home before, it may come as a surprise just how many other fees there are that you need to cover. SMSF how much can I borrow? Of course, any more than this amount will definitely put him under mortgage stress. Capital growth is explained really easily if you just simply say buy low sell high.