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SMSF Loan - Refinance

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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.


Talk to a lending specialist

Book a call with one of our experienced lending specialists and they can complete your SMSF refinance application for you.


Ready to apply?

Call 13 10 90 or select “Apply Now” to begin your online SMSF refinance application.

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, 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.


Online access

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


Application fee

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.


Settlement fee

There won’t even be any fees at settlement time!

Our SMSF Refinance Process 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.


Apply online

Fill out our application online or talk to one of our Australian-based lending specialists to do the hard work for you.


Goodbye paperwork!

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

Currently, we are not offering SMSF loans for property purchase. We are only offering a SMSF loan refinance at this stage.
There are some restrictions when it comes to any property bought with a SMSF loan, namely that you can't construct a new home, nor can you live in the home at any stage until you reach retirement. We recommend for any questions on this you speak to your accountant or financial advisor.
A Self-Managed Super Fund is a private superannuation fund that allows you to manage your own superannuation investments for your retirement. Not everyone can set up their own super, so understanding the basics is crucial before getting started. We always suggest you speak to your accountant or financial advisor for any questions on setting up your SMSF.
Some documents you’ll need to refinance include:
  • 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.
At this stage, we’ll only accept residential investment properties.
You can get your dream home at a great low home loan rate because of our online model. We don't have to pay for branches or broker commissions, which means we are able to pass our savings directly on to you through low home loan rates and and no ongoing, annual or monthly fees.
You’ll have a phone appointment with one of our lending specialists to organise pre-approval of your loan. Check the onTrack app to receive your final approval, mortgage documents and loan agreement. You must sign these and return them in to onTrack, which authorises us to deal directly with your existing lender. From this point, you no longer need to pay your previous lender. We pay the loan out by estimating payout costs based on current balance, rate and repayments. Your loan will settle and you'll enjoy new low rates!
At, the only fee you’ll pay to refinance is a one-off valuation fee, which for a standard property in a metropolitan area in a major city starts at $220.

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 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. 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 Women, Children & Community Program designed to support Australian charities on their mission to raise awareness for important causes.

Read our story

Read some of our real good feedback.

Lawrence I.

April 28, 2022

Garth W.

April 25, 2022

Melanie F.

April 22, 2022

Questions? We can help


Chat online right now

Send us a message via Live Chat and we’ll get back to you instantly.


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.