Calculator · SMSF · LRBA panel-match
SMSF loan calculator — does your fund fit the active LRBA panel?
Score the fund's shape against the active SMSF lender panel in 60 seconds. The five policy levers that decide which lenders accept the file — minimum balance, liquid buffer, deposit, property type, contribution-funded servicing — applied against each active LRBA lender on the Connective panel. Indicative borrowing capacity range and the lenders likely to write your file shape.
Panel-match for your fund
Lender panel fit
Want the full assessment on your specific fund?
Send the details through and we'll run the file across the active LRBA panel using the target lender's actual servicing calculator, return the borrowing-capacity range, and walk you (and your accountant or planner) through the structure.
Read the accountant partnership brief →This calculator scores a fund against the published policy thresholds of active SMSF lenders. It does not constitute SMSF financial advice or a specific lender recommendation. The strategic question of whether an LRBA is appropriate for your fund belongs entirely with a registered SMSF adviser, financial planner or specialist SMSF accountant. Esteb & Co Pty Ltd (Credit Representative #574070, Connective ACL #389328) is a licensed mortgage broker — our scope is the borrowing- side of the file only.
How the panel-match works
The calculator scores your fund against the five policy levers set out in the SMSF property lending hub:
- Minimum fund balance. Most active LRBA lenders require $150,000–$300,000 post-settlement, with a liquid-asset buffer of $100,000–$150,000 retained as cash, term deposits, or listed securities.
- Deposit ratio (LVR). Most residential SMSF lenders cap at 80% LVR (20% deposit minimum). A few go to 70%. Commercial SMSF typically caps at 65–70% LVR depending on property type and tenant covenant.
- Property type. Residential and commercial have meaningfully different panels. CBA and Macquarie write commercial SMSF but exited residential; most non-banks write both with different pricing.
- Servicing income source. Some lenders accept member contributions plus shaded rent as servicing income; others count only rent and fund earnings. Contribution-friendly lenders include AMP Bank and most of the prime tier.
- Custodian trust deed and trustee structure. Most lenders require a corporate trustee for the SMSF and accept either their panel-approved custodian deed or a standard deed reviewed by their solicitors. Captured on file, not on the calculator.
The calculator's output is an indicative panel-fit. The deal- binding numbers come from running the actual lender's servicing calculator at file stage — which we do before lodgement on every SMSF file we take on.