SMSF refinance savings calculator

Six inputs, no submit button — the figure is always live. If the numbers don’t stack up, we say so.

Current loan balance

$100,000$3,000,000

Current interest rate

5.50% p.a.11.00% p.a.

Remaining loan term

Estimated property value

$200,000$5,000,000

Your loan is about 71% of the property value (LVR).

Repayment type

Principal & interestInterest only

Property type

ResidentialCommercial

You could save

up to $842/mo

Range $591–$842/mo · rates as at 23 August 2026 · indicative only

3-year net after switching costs: $19,012–$28,070
Break-even: about month 4

New repayment (indicative): $6,002–$6,254/mo
Discharge fee (est.): $450
Legals + valuation (est.): $1,800
Total switching cost (est.): $2,250

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How we worked this out

Compared against your current repayment at 8.50% p.a. on $850,000 over 25 years, principal & interest.
Indicative new rate 6.99% p.a.–7.45% p.a. (Standard refinance range at 71% LVR, as at 23 August 2026). Your actual rate depends on assessment.
Estimated switching costs: $0 application + $1,800 legals & valuation + $450 estimated discharge on your current loan = $2,250 total. Early-exit fees on your current loan are not included — check with your lender.
3-year net saving = monthly saving × 36 − total switching costs. It ignores future rate movements, fee changes and tax.
Figures are indicative estimates only — not a quote, not pre-approval, not an offer of credit, and not advice.

How we worked this out

Compared against your current repayment at 8.50% p.a. on $850,000 over 25 years, principal & interest.
Indicative new rate 6.99% p.a.–7.45% p.a. (Standard refinance range at 71% LVR, as at 23 August 2026). Your actual rate depends on assessment.
Estimated switching costs: $0 application + $1,800 legals & valuation + $450 estimated discharge on your current loan = $2,250 total. Early-exit fees on your current loan are not included — check with your lender.
3-year net saving = monthly saving × 36 − total switching costs. It ignores future rate movements, fee changes and tax.
Figures are indicative estimates only — not a quote, not pre-approval, not an offer of credit, and not advice.

Pathways for these numbers

Anonymised pathway types with indicative ranges as at 23 August 2026 — never lender names.

Pathway

Standard refinance

Full credit assessment against current policy, with the widest lender panel and the lowest indicative rate ranges.

from 6.89% p.a.

p.a. · as at 23 August 2026

Available at 71% LVR — this pathway lends to 80%.
Indicative 6.99%–7.45% p.a. at this LVR band.

Full income and serviceability assessment applies. Most lenders in this lane require a corporate trustee.

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Pathway

Express refinance

Streamlined “easy refi” lanes: no serviceability reassessment and no income documents where conduct is clean.

from 6.94% p.a.

p.a. · as at 23 August 2026

Available at 71% LVR — this pathway lends to 80%.
Indicative 7.09%–7.40% p.a. at this LVR band.

Dollar-for-dollar only — the new repayment must be lower than the current one. Most lenders in this lane require a corporate trustee.

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Pathway

High-LVR refinance

For loans sitting above 80% of the property value — a smaller panel lends to 85–90% LVR on refinance.

from 7.49% p.a.

p.a. · as at 23 August 2026

Available at 71% LVR — this pathway lends to 90%.
Indicative 7.49%–8.49% p.a. at this LVR band.

Higher rates apply above 80% LVR, and corporate trustees only. Watch early-repayment fees on these products.

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