Loan to value ratio (L.V.R.) as a typical property increases in value – over 10 years.
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Year 80% Loan on original cost Property value LVR 0 $640,000 800,000 80% 
1 $640,000 880,000 72% 2 $640,000 968,000 66% 3 $640,000 1,064,800 60% 4 $640,000 1,171,280 54% 5 $640,000 1,288,408 49% 6 $640,000 1,417,248 45% 7 $640,000 1,558,973 41% 8 $640,000 1,714,871 37% 9 $640,000 1,886,358 34% 10 $640,000 2,074,995 30%
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The greatest power in this system is that your super can now grow exponentially instead of the present passive “linear” way.
At present, you would need to contribute large amounts of your own money to make your superannuation assets grow significantly.
Now, once you invest the initial 20% deposit (+ some set up costs), your super fund is able to grow powerfully without another contribution by you – ever. (of course your employer is compelled to continue paying the 12% contribution to your super).
This can really become exponential if you build assets in your personal name and as your wealth increases take out cash from time to time as deposit on more properties in your self managed super fund.