SMSF Property Loans › Can I refinance an existing SMSF property loan?

Can I refinance an existing SMSF property loan?

Yes. SMSF property loans can be refinanced, and many trustees do so to move off older higher rate loans onto more competitive ones, subject to the new lender rules and the costs involved.

Written by Ross McFarlane, Licensed Mortgage Broker (Credit Representative 526725). About the author

Why this matters

Refinancing an SMSF loan works much like any refinance, but with the added layers of the LRBA and lender policy, so fewer lenders compete. Even so, an older SMSF loan can often be improved. Given the complexity, it is worth reviewing with a broker who knows SMSF lending and your adviser.

The key points

SMSF loans can be refinanced.
Often done to leave older, higher rate loans.
Fewer lenders compete in this space.
Review it with an SMSF aware broker and adviser.

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Last reviewed: June 2026

General information only. This page provides general information about home loans and is not financial or credit advice, a quote, or a guarantee, and your personal circumstances have not been considered. Lending policies, interest rates, fees and eligibility vary by lender and change over time. Always confirm your own situation with a licensed mortgage broker or lender before acting. Ross McFarlane (Credit Representative 526725) is an authorised Credit Representative of Australian Associated Advisers Pty Ltd t/a Keylend, Australian Credit Licence 392169.