Get started
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.

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
$0
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.
$0
Monthly or annual fees
In addition to our great low rates, we don’t charge you any ongoing fees.
$0
Settlement fee
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.
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
- 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 storyRead some of our real good feedback.
The entire team were all very patient as it took a long time for us to find a property
Extremely happy with these guys. I checked them out initially for their low rates but was most pleased with the various team members who helped arrange my loans, especially Ray the lending manager - absolute legend and he deserves a raise - such a great guy who sorted us out all along the way and explained everything very clearly. The entire team were all very patient as it took a long time for us to find a property, including a few false starts at auction. No wait times on the phone with them either. 100% recommended, especially after my experience of being with a major lender for a long time and paying above market interest rates for my loyalty.
Lawrence I.
April 28, 2022
Friendly and efficient service
Seamless experience. Friendly and efficient service.
Garth W.
April 25, 2022
So easy and simple
The whole process from my initial phone enquiry to my loan being approved was so easy and simple. Ray was amazing. He put my nerves at ease and was able to give me sound financial advice. I would definitely recommend loans.com.au to my family and friends.
Melanie F.
April 22, 2022
Questions? We can help

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.