Rates pillar · updated monthly
SMSF refinance rates compared — August 2026
- Rates as at 23 August 2026
- Reviewed by Nick Clunes, The Lending Lab
- Refreshed monthly
As at 23 August 2026, indicative SMSF refinance rates range from 6.89% to 7.45% p.a. for residential loans up to 80% LVR on standard and express pathways, 7.49% to 8.69% for high-LVR loans to 90%, and 7.99% to 9.99% for credit-impaired files. Commercial refinance ranges from 7.39% to 8.80% up to 80% LVR.
Written by the smsfrefinance.au editorial team · Reviewed by Nick Clunes, The Lending Lab
Credit Representative 530711 · Australian Credit Licence 387856 · ACN 651 936 337
Published 23 August 2026 · Last reviewed 23 August 2026
Residential SMSF refinance — indicative ranges by LVR band
Principal & interest and interest-only lanes, as at 23 August 2026. Ranges span the anonymised panel — your rate depends on assessment.
Standard refinance
- ≤ 60% LVR
- 6.89%–7.09%
- 60–70% LVR
- 6.94%–7.25%
- 70–80% LVR
- 6.99%–7.45%
Express refinance
- ≤ 70% LVR
- 6.94%–7.20%
- 70–80% LVR
- 7.09%–7.40%
High-LVR refinance
- ≤ 85% LVR
- 7.49%–8.49%
- 85–90% LVR
- 7.79%–8.69%
Credit-impaired refinance
- ≤ 75% LVR
- 7.99%–8.99%
- 75–80% LVR
- 8.49%–9.99%
Commercial SMSF refinance — indicative ranges by LVR band
Standard refinance
- ≤ 65% LVR
- 7.39%–7.65%
- 65–70% LVR
- 7.49%–7.90%
- 70–75% LVR
- 7.59%–8.15%
- 75–80% LVR
- 7.89%–8.80%
Express refinance
- ≤ 70% LVR
- 7.59%–7.79%
- 70–75% LVR
- 7.79%–8.04%
- 75–80% LVR
- 7.89%–8.49%
High-LVR refinance
- ≤ 75% LVR
- 7.89%–8.49%
- 75–80% LVR
- 8.15%–8.80%
Credit-impaired refinance
- ≤ 75% LVR
- 8.49%–8.94%
- 75–80% LVR
- 8.94%–9.99%
Commercial lanes cap at 80% LVR across the panel.
How we compile these ranges
Collection. Ranges are compiled from the broker-only product and pricing guides of a panel of non-bank SMSF lenders, dated May–August 2026, and grouped into the four pathway types above.
Cadence. The data is refreshed monthly and stamped with the as-at date shown on this page. If the data ages past 45 days, a banner appears at the top of this page and any rate figure on the site should be treated as historical.
Exclusions. No lender publishes comparison rates in broker documents, so all figures are the actual advertised rates by LVR band — fees are modelled separately in our calculator. Promotional fee waivers (several expire between November and December 2026) are not baked into the ranges.
Why no lender names. These guides are marked broker-use-only and cannot be republished. Naming lenders with their rates would breach the broker terms they’re distributed under — so we publish anonymised pathway ranges, and exact lender matching happens in a conversation with the broker.
What would these ranges mean for your loan?
Three minutes in the calculator: your balance, your rate, your property value — against these ranges, with switching costs shown up front.
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How we worked this out
- All figures are indicative ranges compiled from broker-only lender guides, as at 23 August 2026. They are not quotes and not an offer of credit.
- Ranges span multiple lenders within each pathway type; the rate any one borrower is offered depends on full assessment.
- Fee-waiver promotions are time-limited and change monthly — they are reflected in the calculator's switching-cost estimates, not these ranges.