SMSF Loan - Refinance

4.94% variable rate p.a.*
4.95% comparison rate p.a.*

Estimated Repayment# $1,866.06 / month

Refine repayment



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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.

Who is

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.


Why choose


Low interest rates

We can offer extremely low rates, like our SMSF loan being one of the lowest variable rate loans available in Australia. We can help you with finance at a great rate, so you can just focus on what matters to you.


Australian based support team

We have an experienced, Australian based team here to help you. At every step of the way, you’ll talk to a real person from our friendly team of lending specialists, and we can help as little or as much as you like from application to settling your SMSF loan, and beyond.


Hassle free

We know refinancing can be stressful, so we’re here to help make the finance process as simple as possible. You can find out if you pre-qualify for our SMSF Loan in just minutes. The application process is simple, online, and we can help at a time that suits you via Live Chat or through our app onTrack, or by calling your lending specialist.


onTrack advantage

onTrack is our online app which allows you to complete your home loan application on your device from initial contact through to settlement, build and beyond. In onTrack you can complete your loan application in your own time, as it suits you.


Our awards

As one of Australia’s first online lenders, we move fast and continue to develop our technology and loans to make sure it’s meeting what our customers actually want, whether it’s making improvements to our apps, processes, rates or even providing more environmentally friendly loans.

Because of this, we’ve won awards each consecutive year since 2011 for our innovation, low rate home loans and car loans and extras like our offset sub-account from experts like RateCity, Canstar and Mozo to name a few.

See all our awards


Features, rates & fees brochure

Get all the information you need on different loan features, rates & fees in this easy-to-read loans guide.

From streamlined packages to fully-featured loans, you will find the low-rate home loan to suit your lifestyle.

We're the home of smart money


We're the home of smart money

We're the home of smart money is an Australian owned, multi award-winning online lender. We have earned our track record with low interest rates and flexible finance products. Since 2011 has been able to meet the needs of tens of thousands of customers around Australia; people just like you. We continue to innovate to stay ahead of the competition and give our customers the best of what new technology can bring to money management.