We've made several updates across our strategy content to reflect the 20
September 2026 indexation and recent legislative changes.
Strategy Text
📌 Aged care updates
Commence a Support at Home program – strategy updated to reflect the
Support at Home fee structure that replaced Home Care Packages on 1
November 2025. References to the Basic Daily fee and Income-Tested fee have
been removed, as neither applies, and replaced with the service-based
contribution model. Indexation wording corrected. Lifetime cap increased from $137,917.01 to $140,652.80, with a second conditional variant added for clients covered by the 'no worse off principle', where a lower cap of $88,934.57
applies.
Enter Aged Care Facility and Restructure your Finances – note added that the Maximum Permissible Interest Rate (MPIR) increases from 8.43% to 8.51% from 1 October 2026.
📌SMSF & property law changes
Borrow to Invest via your SMSF – Property – opening reminder note updated to
reflect that the ban on new residential property LRBAs commenced on 10
August 2026, replacing the previous note referring to the pending Royal Assent.
The note now confirms the strategy applies to commercial and business real
property only, and that existing arrangements and contracts exchanged before 10 August 2026 are grandfathered. Recommendation and Benefits wording updated
to specify commercial/business property. Things you should know updated to
clarify that the restriction applies to purchasing residential property using an
LRBA.
Strategy Flyers (Fact Sheets)
📌Rate and Threshold Updates: Social Security
Commonwealth Seniors Health Card – income limits increased:
Single – $101,105 → $105,048
Couples (combined) – $161,768 → $168,076
Couples separated by illness, respite care or prison – $202,210 →
$210,096
Income test date reference updated to 20 September 2026. The child add-on remains unchanged at $639.60.
Centrelink Means Testing and Deeming – deeming rates increased: lower rate
from 1.25% to 1.75%, upper rate from 3.25% to 3.75%. Deeming thresholds
remain unchanged.
Granny Flat – extra allowable amount increased from $258,000 to $267,000, effective 1 July 2026.
📌Rate and Threshold Updates: Aged Care
Aged Care – maximum daily fee for residential care increased from $66.80 per day ($24,382 pa) to $68.93 per day ($25,159 pa).
📌SMSF & Legislative Change
SMSF Limited Recourse Borrowing Arrangement – new 'Residential
properties' section added, confirming SMSFs can no longer establish new
LRBAs to acquire residential property from 10 August 2026. Existing
arrangements and contracts exchanged before that date are grandfathered.
📌Other refinements
Non-Concessional Contributions – minor wording and table updates to the Three-year bring forward rule section to improve clarity