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Everything we know about refinancing an SMSF loan
Written for trustees, not brokers. Every figure carries the date it was true, every guide says what it does not cover, and none of it is advice.
These rates were last updated on 23 August 2026 (63 days ago) and may have moved. Any figures shown are indicative only, so confirm current rates in a conversation before making decisions.
Updated monthly
SMSF refinance rates compared, August 2026Indicative rate ranges by pathway type and LVR band, residential and commercial. Ranges only, no lender names, refreshed monthly.Rates as at 23 August 2026Guides
- Can you refinance an SMSF loan after the 2026 LRBA ban?Yes. The August 2026 change closed most new residential SMSF lending, not refinancing. What the ban covers, who can refinance now, and the rates available.Last reviewed 23 August 2026
- The true cost of switching your SMSF loanDischarge, legals, valuation and exit fees: what switching an SMSF loan really costs, a worked break-even example, and when switching doesn't pay off.Last reviewed 23 August 2026
- Bought before the deadline? Why your SMSF rate is probably too highDeadline-era SMSF loans were priced for speed, not value. Why rates ran to 8 or 9 per cent, what the market looks like now, and how to check your own loan.Last reviewed 1 September 2026
- SMSF easy refinance explained: no income documents, no re-serviceabilitySome SMSF refinance pathways assess your repayment history instead of your income. What the easy-refi lanes are, who qualifies, and what you give up to use one.Last reviewed 1 September 2026
- Your lender left the SMSF market. Now what?What happens to your loan when a lender stops writing SMSF business, why the exits happened, and what changes for you in practice.Last reviewed 1 September 2026
- Residential vs commercial SMSF refinance: what is differentCommercial SMSF lending survived the 2026 change and residential did not. How the two differ on rates, LVR caps, servicing and paperwork.Last reviewed 1 September 2026
- Business real property: the definition, the test, and the ATO rulesBusiness real property is the category that lets an SMSF buy from a related party and lease back. The definition, the wholly and exclusively test, and the edge cases.Last reviewed 1 September 2026
- Can you get cash out when refinancing an SMSF loan?Almost never. Why SMSF refinancing is dollar-for-dollar across the panel, what counts as cash out, and what the alternatives actually are.Last reviewed 1 September 2026
- SMSF refinance checklist: the documents you will needWhat lenders ask for on an SMSF refinance, what the express lanes skip, and the two or three things that slow most applications down.Last reviewed 1 September 2026
Reference
SMSF lending glossaryLRBA, bare trust, business real property, in-house assets, arm’s length, LVR. The terms that decide what a fund can and cannot do, in plain words.Rather see your own numbers?
The calculator gives an indicative saving in about three minutes. The eligibility check matches your answers to pathway types without a credit check.