Ready to start saving on your current SMSF home loan? Simply apply online or chat to a lending specialist and they can do the hard work for you. We make the refinance process easy so you can settle sooner.
What is an SMSF loan?
A Self-Managed Super Fund, or SMSF is a private superannuation fund that allows you to manage your own superannuation investments for your retirement. Not everyone can set up their own superannuation, so understanding the basics is crucial before getting started, and for this we always recommend speaking to your accountant or financial advisor.
An SMSF loan is a home loan used by an SMSF to purchase an investment property. The returns on the investment, which can either be your capital gains or rental payments, are funnelled back into the superannuation fund for your retirement.
At loans.com.au, we currently only offer the option to refinance your existing SMSF loan, and not to purchase property.
Why refinance to our SMSF loan?
No monthly or ongoing fees
We don’t charge any monthly, annual or ongoing fees, so you can save thousands and focus on what is important to you.
Access your SMSF loan via our easy-to-use online app Smart Money.
Unlimited extra repayments**
Pay off your SMSF loan sooner with unlimited extra repayments
As an online lender, we save in overhead costs and pass those savings directly on to you. So, we don't charge you an application fee.
Monthly or annual fees
In addition to our great low rates, we don’t charge you any ongoing fees.
There won’t even be any fees at settlement time!
Our SMSF Refinance Process
loans.com.au makes refinancing simple so you can stop paying too much on your SMSF home loan. Go from application to settlement in a few steps. Here's how.
Fill out our application online or talk to one of our Australian-based lending specialists to do the hard work for you.
Login to onTrack and upload documents at ease. Receive your documents from us and track your application to approval.
Settle & save
We do everything required for the loan settlement, so you can start saving money.
Frequently asked questions
- Your recent Super Fund Statement/s evidencing contributions, cash, investments, rental
- Evidence of rental income
- Previous independent legal advice
- 6 months statement of the loan being refinanced
- Certified copies of SMSF Trust Deed and Property Trust Deed
For a full list of documents required, apply now or chat to one of our lending specialists on Live Chat or 13 10 90.
Many other lenders may charge an application fee, exit fees, discharge fees, so it’s important to do your research before making your decision.
For the last 10 years, thousands of Aussies have trusted loans.com.au with some of their biggest financial decisions - buying a home, a new car or refinancing to save on interest.
Customers trust us to support them with low rates, approved quickly through our easy-to-use online app, where you can track the status of your loan from application to settlement.
loans.com.au is completely safe, with thousands of happy customers across Australia. We are financially backed by Firstmac, Australia’s 13th largest lender. Firstmac has been operating successfully for more than 40 years, and has $13 billion in mortgages under management, as Australia’s leading non-bank lender.
We are also actively involved in our local community with our loans.com.au Women, Children & Community Program designed to support Australian charities on their mission to raise awareness for important causes.Read our story
They are awesome and quick to respond
I have a great experience with loans.com.au, they are awesome and quick to respond. Also great customer service. Thank you very much loans.com.au team.
September 15, 2021
A seamless, effortless process
If you play your role in providing timely information, they play theirs. A seamless, effortless process. Many thanks.
September 11, 2021
The advertised interest rate is real!
I found loans.com.au on google and almost did not believe the interest rate available on new car loans - but I gave them a call and spoke to Debra who was able to answer all my questions and made the application process so very easy. The advertised interest rate is real! Keep in mind that loans.com.au is an entirely online/phone based operation so if you need a shopfront go somewhere else and pay more. A shoutout to Adrienne who made everything happen in the background and who was so helpful when I phoned. Wish I'd found loans.com.au earlier! Give them a try.
September 08, 2021
Questions? We can help
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Talk to a lending specialist
Our experienced lending specialists can answer any questions you have on how to refinance and how we can help you to start saving on your SMSF loan.