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
The process and procedures are really clear and helpful
Our loan manager Ray is very productive and professional, he gave us all the advice we need and help us to purchase next home. Well done Ray, thanks for your help and efforts. Settlement team always works closely with us, the process and procedures are really clear and helpful. You are always my first choice. Many thanks.
November 19, 2021
Always a great experience
Always a great experience. A huge thank you to Ray who does such an amazing job, his knowledge, care and customer service skills are second to none!
October 26, 2021
We had a great end to end experience
Please send our thanks to Ray he was very informative, friendly and clearly cares about his customers. We had a great end to end experience and quick turnaround and kept informed! Highly recommend 😊
October 21, 2021
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.