Your current loan terms have changed
A fixed period ending, repayment change or revised loan terms can be a sensible trigger to reassess the arrangement.
Existing SMSF loan review
Review or Refinance Your Existing SMSF Loan
An existing SMSF loan needs more than a headline rate comparison. We assess the arrangement, fund, property and lender-policy factors that may shape your refinance options.
When an SMSF Loan Review May Help
A review can be useful when your loan or circumstances have changed, or when you want to understand whether the current lender still fits the arrangement.
Your property or lease has changed
Commercial tenancy, lease or property changes can affect lender appetite and the practical refinance path.
Your SMSF circumstances have changed
Contributions, liquidity, expenses or the fund’s broader position may have changed since the original loan was arranged.
You want to test the current lender fit
Lender policy and available products change. A review can identify whether your current structure and property still fit the market.
Specialist assessment
What We Review
Refinancing an SMSF loan is not just a rate exercise. It requires the existing arrangement and the current lending environment to be considered together.
- 1
Existing structure and loan documents
The existing borrowing arrangement and documentation need to be understood before a refinance path is assessed.
- 2
Lender policy and refinance availability
Available lender approaches can differ based on the property, security, fund and proposed transaction.
- 3
Fund liquidity and contributions
The fund’s current financial position needs to be considered alongside the refinance proposal.
- 4
Property and lease factors
Lenders may assess property type, tenant, lease and security factors differently.
- 5
Refinance costs and practical timing
A review should consider the practical steps, terms and costs of moving—not only the headline rate.
Existing residential SMSF loans
The 2026 change does not automatically lock you into your current lender
Existing SMSF borrowing arrangements and certain refinancing arrangements may be treated differently under the post-10 August 2026 rules. Eligibility, lender policy and the particular structure still need to be checked before any refinance decision is made.
Read the 2026 SMSF lending rules →How the Review Works
We start with the facts of the current arrangement and then identify the lending factors relevant to the next step.
Step 1
Share the basics
Tell us about the existing SMSF loan, property and the reason you are considering a review.
Step 2
We assess the lending factors
We consider the current structure, fund, property and lender-policy questions that need attention.
Step 3
Discuss the next step
We explain the initial lending pathway and when coordination with your accountant, adviser or solicitor is appropriate.
Existing SMSF Loan Refinancing FAQs
Can I refinance an existing residential SMSF loan?
Some existing arrangements and refinancing transactions may be treated differently under the post-2026 rules. Your documents, lender policy and circumstances need to be reviewed before assumptions are made.
Does a lower advertised rate mean a refinance is suitable?
Not necessarily. Structure, property, fund liquidity, lender policy, costs and timing all matter when assessing a refinance pathway.
Can a commercial SMSF loan be reviewed?
Yes. A review can consider lender-policy, lease, property and fund factors where an existing commercial SMSF borrowing arrangement is being reassessed.
What should I provide for an initial review?
Start with the high-level facts of the loan and property. Do not send account numbers, identification documents or detailed financial statements through the first enquiry form.
Want to Understand Your Refinance Options?
Start with an initial specialist review of the loan, fund and property factors before committing to a lender change.