Shows up automatically for an SMSF borrower

Open a loan application where the borrower party is an SMSF entity and the serviceability panel is the SMSF-specific version automatically — no separate mode to switch on.

Point-in-time assessment

Pick a lender and product, enter the proposed amount, term, LVR, repayment type (including an interest-only period), and any offset balance. The fund's estimated annual rental income and fund admin expenses (recorded on the entity) and any members' annual super contributions feed straight into the calculation.

If this is a related-party loan — the fund borrowing from its own members — flag it: that's the only case ATO PCG 2016/5 safe-harbour terms apply, and the practice's own configured safe-harbour rate is used instead of assuming it by default.

The projection — a different question

Below the point-in-time result, run a year-by-year cash-flow projection across the full loan term at the product's actual rate, with your own assumptions for rental and expense growth. A pass today doesn't guarantee the fund's cash position holds up in year twelve — this answers that question directly instead of leaving it implied.

The compliance attestation

The SMSF LRBA structure confirmed compliance check sits alongside the calculator — confirming the bare/custodian trust is actually established and the fund's investment strategy permits borrowing, before the deal goes further down the pipeline.