Loan Interest Rate: We assume that the rate you enter is the rate that will apply to your loan for the full loan term — even if you choose a variable rate or an interest-only rate which, in practice, will only apply for a limited period.

Annual Rental Income: We assume that a tenant would be occupying the property for the entire loan term and that the income you enter will apply for the entirety of the loan term. Lenders typically assess 80% of gross rental income.

Annual Salary: We assume that the salary entered applies for the full financial year before any deductions.

Salary Sacrifice: We assume that the salary entered is included in the Annual Salary field and the entirety of the amount entered is paid into the relevant borrowing SMSF entity.

Super Guarantee (SG): Employer SG contributions are calculated at 11.5% of annual salary (2024–25 rate) and included in serviceable SMSF income.

Assessment Rate: A 2% buffer above the entered loan rate is applied, in line with standard SMSF lender policy.

Loan Term: A 25-year principal & interest loan term is used, which is typical for SMSF Limited Recourse Borrowing Arrangements (LRBAs).

Estimated Borrowing Amounts: The result generated is based on current market conditions and internal lending parameters. This amount may differ if the same figures were inputted at a different date and is not a true indication of the allowable amount should a full application be provided and reviewed.