Refinance Your SMSF Loan

Can You Refinance an SMSF Loan After 10 August 2026?

Yes. If you already have an SMSF property loan, refinancing may still be available after 10 August 2026.

Although new residential SMSF property purchases are restricted under the new borrowing rules, existing SMSF loans may still be refinanced, subject to lender policy and eligibility requirements.

This means existing SMSF property owners may still be able to refinance to obtain a more suitable interest rate, loan structure or lender.

Some Lenders Have Expanded Their SMSF Refinance Options

Recent lender policy changes mean some SMSF borrowers may have access to more flexible refinancing options.

Depending on the lender and your circumstances, these may include:

• Higher loan limits: Some SMSF refinance options now allow borrowing of up to $2 million, with lending available up to 80% LVR in eligible scenarios.
• More flexible fund structures: Some lenders may accept SMSFs with between one and six members or guarantors.
• Broader servicing assessments: Eligible concessional super contributions may be included when assessing the SMSF’s ability to service the loan.
• More competitive pricing: Some lenders have reduced SMSF interest rates at selected LVR levels.

These features are lender-specific and are not available with every SMSF lender. Your eligibility will depend on factors such as your loan amount, LVR, SMSF structure, contributions, liquidity, property and overall financial position.

Home Loan Experts can compare SMSF refinance policies across our lender panel and identify lenders whose requirements suit your circumstances.

Call us on 1300 889 743 or enquire online today.

Am I Eligible To Refinance My SMSF Loan?

SMSF refinancing is a specialised area of lending, and eligibility requirements vary considerably between lenders.

Some lenders have recently expanded their SMSF refinance policies, so borrowers who previously had limited options may now have additional refinancing opportunities.

Depending on the lender, you may be able to:

• Refinance at up to 80% LVR in eligible scenarios.
• Access higher maximum loan amounts with selected lenders.
• Refinance eligible residential or commercial SMSF property.
• Have eligible concessional super contributions considered as part of servicing.
• Access different interest-rate options depending on your LVR and application strength.
• Choose interest-only repayments where permitted by the lender.
• Access loan terms of up to 30 years with some lenders.

Your eligibility and borrowing capacity will depend on your SMSF income, contributions, rental income, liabilities, liquidity, fund structure and the lender’s credit policy.

How Will A Lender Assess My SMSF Refinance?

A lender will generally assess whether the income available to your SMSF is sufficient to meet the proposed loan repayments.

Depending on the lender, this may include:

• Employer and personal contributions paid into the SMSF.
• Rental income from the SMSF property.
• Other eligible SMSF income.
• Eligible concessional super contributions, where the lender’s policy allows them to be included.

Servicing policies differ between lenders. A borrower who does not meet one lender’s servicing requirements may potentially qualify with another lender that assesses SMSF income differently.

The lender will also assess factors such as the property’s value and type, the proposed LVR, the SMSF’s available liquidity and the structure of the fund.

What Are The Costs Of Refinancing An SMSF Loan?

SMSF refinance rates and fees can differ considerably between lenders.

Some specialist lenders offer different pricing depending on the LVR, and recent lender policy changes have included reduced rates at selected LVR levels.

When comparing SMSF refinance options, consider both the interest rate and the costs involved in changing lenders.

These may include:

• Loan application fees
• Discharge fees from your existing lender
• Property valuation fees
• Settlement fees
• Break costs if your existing loan has a fixed rate
• Government registration fees
• Ongoing or annual loan fees

The potential savings from refinancing should be compared with these costs before deciding whether refinancing makes financial sense.

Can I Get A Competitive SMSF Refinance Rate?

SMSF loans are specialised lending products, so their interest rates and pricing structures can vary between lenders.

Some lenders offer different rates depending on the LVR, loan size and strength of the application. Recent policy changes from selected lenders have also included reduced rates for certain SMSF refinance LVR bands.

Your SMSF refinance rate may depend on factors such as:

• Your LVR
• Loan amount
• Property type and location
• SMSF income and servicing position
• Available liquidity
• Repayment type
• Loan term

Comparing lender policies is just as important as comparing interest rates, because the lender offering the lowest advertised rate may not accept your SMSF structure or servicing position.

Talk to our experts to compare your options when refinancing your SMSF loan. Call us on 1300 889 743 or enquire online today.

Find Out If You Qualify For SMSF Refinancing

SMSF lending remains specialised, but refinancing options continue to be available for eligible existing SMSF property loans.

Some lenders have also recently expanded their SMSF refinancing policies through higher loan limits, more flexible fund structures, broader servicing assessments and changes to pricing.

However, these policies vary substantially between lenders.

Our SMSF loan specialists can assess your current loan, property, fund structure, contributions and financial position and compare suitable refinance options across our lender panel.

Call us on 1300 889 743 or complete our online enquiry form to find out whether you may be able to refinance your SMSF loan.