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An SMSF refinance loan allows SMSF trustees to refinance an existing investment property (residential or commercial) held within their Self Managed Super Fund. Like all SMSF borrowing in Australia, the loan must be structured as a Limited Recourse Borrowing Arrangement (LRBA), meaning the lender's security is limited to the property being refinanced. Refinancing your SMSF loan can help reduce your interest costs, access more competitive loan features, or better align your borrowing structure with your fund's long-term retirement strategy. All SMSF loans remain subject to strict Australian Taxation Office rules, including the sole purpose test.
The Yard SMSF Refinance Loan is designed for SMSF trustees looking to refinance an existing investment property loan held within their fund. Available for both residential and commercial property, it gives trustees the opportunity to access competitive rates and features aligned with the fund's investment strategy.
Refinancing allows you to potentially secure a lower interest rate, which can reduce your loan repayments and overall borrowing costs. A lower rate means more money stays in your SMSF, helping your retirement savings grow faster.
Refinancing offers the opportunity to adjust your loan structure to better align with your SMSF’s financial strategy. This may include extending to a longer loan term or switching from Principal & Interest to Interest Only repayments.
Refinancing can help you access new loan features such as an offset account. Having an offset account linked to your loan allows your SMSF cash/savings to lower the amount of interest you pay on the SMSF loan.
Refinancing can help you switch to a specialised SMSF lender who can support the future growth of your SMSF with flexible loan conditions for your property portfolio.
Own your property sooner with our low rate, fully-featured SMSF loans
Market leading Principal & Interest and Interest Only rates for residential and commercial SMSF investors.
Our loans have all the bells and whistles - online access with early repayment and 100% offset functionality.
At Yard you get your own personal consultant who works with you throughout your property buying or refinancing journey.
Documentation requirements vary depending on your SMSF refinance structure and personal financial situation.
Here is a simple checklist to help you prepare:
Identity documents: Valid photo ID for all SMSF directors (e.g. passport and driver's licence).
SMSF structure documents: SMSF Trust Deed, Bare Trust Deed and most recent SMSF Audit Report.
Loan and property documents: Most recent SMSF loan statement for the loan being refinanced, current rates notice and a valuation report (obtained by the lender).
Rental income evidence: Typically 12 months of rental statements. Shorter rental history can be accepted.
Our team will guide you through what’s required based on your specific situation. You can contact our team of SMSF lending experts here.
Refinancing your SMSF loan can provide several financial advantages, including:
- Lower interest rates – reduce your loan repayments and maximise SMSF savings
- Lower fees – minimise ongoing costs that impact your fund’s growth
- More suitable loan terms – extend your loan term, improve repayment flexibility and loan conditions
- Access to new features – leverage loan features like an offset account to reduce the amount of interest payable
- Access to specialised SMSF lenders – receive customer support tailored to SMSF borrowers
By refinancing, you can optimise your SMSF’s financial position while ensuring compliance with superannuation regulations.
Refinancing your SMSF loan can provide several financial advantages, including:
- Lower interest rates – reduce your loan repayments and maximise SMSF savings
- Lower fees – minimise ongoing costs that impact your fund’s growth
- More suitable loan terms – extend your loan term, improve repayment flexibility and loan conditions
- Access to new features – leverage loan features like an offset account to reduce the amount of interest payable
- Access to specialised SMSF lenders – receive customer support tailored to SMSF borrowers
By refinancing, you can optimise your SMSF’s financial position while ensuring compliance with superannuation regulations.
To be eligible for refinancing, your SMSF loan must meet specific lender criteria, including:
- Compliance with SMSF lending rules – the loan must adhere to Limited Recourse Borrowing Arrangements (LRBAs) and ATO regulations
- Loan-to-Value Ratio (LVR) requirements – you typically need an LVR 80% or less, meaning your SMSF must have sufficient equity in the property (at least 20% equity)
- Strong SMSF financials – the SMSF needs to demonstrate steady cash flow and rental income to meet repayment obligations
A Loan Consultant at Yard can assess your SMSF’s eligibility and recommend suitable options.
To be eligible for refinancing, your SMSF loan must meet specific lender criteria, including:
- Compliance with SMSF lending rules – the loan must adhere to Limited Recourse Borrowing Arrangements (LRBAs) and ATO regulations
- Loan-to-Value Ratio (LVR) requirements – you typically need an LVR 80% or less, meaning your SMSF must have sufficient equity in the property (at least 20% equity)
- Strong SMSF financials – the SMSF needs to demonstrate steady cash flow and rental income to meet repayment obligations
A Loan Consultant at Yard can assess your SMSF’s eligibility and recommend suitable options.
While refinancing could lead to long-term savings, there are upfront costs to consider, including:
- Loan application fees – charged by the new lender for processing your refinance application
- Property valuation fees – required to determine the current market value of your SMSF property
- Legal and settlement costs – covers the preparation of loan documentation, compliance checks, and settlement processing
- Discharge fees – some lenders charge a fee to exit your existing SMSF loan so you should refer to your existing loan agreement to clarify the fees that would apply
It’s important to compare these costs against potential savings on interest rates and fees to ensure refinancing is financially beneficial for your SMSF.
While refinancing could lead to long-term savings, there are upfront costs to consider, including:
- Loan application fees – charged by the new lender for processing your refinance application
- Property valuation fees – required to determine the current market value of your SMSF property
- Legal and settlement costs – covers the preparation of loan documentation, compliance checks, and settlement processing
- Discharge fees – some lenders charge a fee to exit your existing SMSF loan so you should refer to your existing loan agreement to clarify the fees that would apply
It’s important to compare these costs against potential savings on interest rates and fees to ensure refinancing is financially beneficial for your SMSF.
Some borrowers will have taken out an SMSF loan that is no longer on a competitive interest rate. In this case, it is worth exploring refinancing your SMSF loan to a lender with a lower interest rate or a product that has features that better suit your needs. As a fully-featured lender, Yard offers low rate SMSF loans with all the bells-and-whistles including unlimited additional repayments and 100% offset facility.
Ask us about refinancing your SMSF loan today as switching lenders can be beneficial if you:
- Find a lower interest rate or better loan terms
- Want to reduce fees and ongoing costs
- Need more flexibility in repayment options
- Prefer a lender with specialised SMSF loan experience
Some borrowers will have taken out an SMSF loan that is no longer on a competitive interest rate. In this case, it is worth exploring refinancing your SMSF loan to a lender with a lower interest rate or a product that has features that better suit your needs. As a fully-featured lender, Yard offers low rate SMSF loans with all the bells-and-whistles including unlimited additional repayments and 100% offset facility.
Ask us about refinancing your SMSF loan today as switching lenders can be beneficial if you:
- Find a lower interest rate or better loan terms
- Want to reduce fees and ongoing costs
- Need more flexibility in repayment options
- Prefer a lender with specialised SMSF loan experience
You can refinance a residential or commercial SMSF property with Yard.
Residential SMSF
- Standard residential investment house, unit/apartment or townhouse.
Some exclusions include:
- Vacant Land
- Construction
- Purchase or refinance of owner-occupied properties
Commercial SMSF
Examples of acceptable commercial property include:
- Strata offices and showrooms
- Retail outlets (e.g. shops, restaurants)
- Industrial factories and warehouses
- Medical suites
- Childcare centres, and others
You can review Yard's SMSF loan product and features here.
You can refinance a residential or commercial SMSF property with Yard.
Residential SMSF
- Standard residential investment house, unit/apartment or townhouse.
Some exclusions include:
- Vacant Land
- Construction
- Purchase or refinance of owner-occupied properties
Commercial SMSF
Examples of acceptable commercial property include:
- Strata offices and showrooms
- Retail outlets (e.g. shops, restaurants)
- Industrial factories and warehouses
- Medical suites
- Childcare centres, and others
You can review Yard's SMSF loan product and features here.
Refinancing can play a crucial role in your SMSF’s financial planning by:
- Reducing costs – lower loan repayments free up more funds for other superannuation investments
- Enhancing cash flow – improved loan terms can provide greater flexibility for fund management
- Aligning with long-term goals – refinancing ensures your loan structure supports your SMSF’s retirement strategy
- Compliance considerations – any refinance must adhere to SMSF borrowing rules, ensuring it continues to serve the sole purpose test of benefiting members' retirement savings
Before refinancing, it's advisable to consult with an SMSF financial advisor to ensure the new loan structure aligns with your SMSF’s overall investment objectives.
Refinancing can play a crucial role in your SMSF’s financial planning by:
- Reducing costs – lower loan repayments free up more funds for other superannuation investments
- Enhancing cash flow – improved loan terms can provide greater flexibility for fund management
- Aligning with long-term goals – refinancing ensures your loan structure supports your SMSF’s retirement strategy
- Compliance considerations – any refinance must adhere to SMSF borrowing rules, ensuring it continues to serve the sole purpose test of benefiting members' retirement savings
Before refinancing, it's advisable to consult with an SMSF financial advisor to ensure the new loan structure aligns with your SMSF’s overall investment objectives.
Principal & Interest and Interest Only options are available. You can make unlimited additional repayments and use our optional 100% offset facility feature to save on interest.
Principal & Interest and Interest Only options are available. You can make unlimited additional repayments and use our optional 100% offset facility feature to save on interest.
Yes, Yard's SMSF loans must be supported by personal guarantee(s) required from all members/beneficiaries of the SMSF.
Yes, Yard's SMSF loans must be supported by personal guarantee(s) required from all members/beneficiaries of the SMSF.
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