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Why you should review your SMSF loan

  • Writer: Camilla Baker
    Camilla Baker
  • Jun 23, 2025
  • 1 min read

I know. Setting up your SMSF and getting a loan for it was a real process wasn't it, and now you just want to forget it?


You thought it was best to go with a big financial institution, because SMSF lending is complicated and you wanted to mitigate risk.


Elegant woman in silk blouse in stylish home with artwork
Look to adding funds back into your super

After the Royal Commission, the big banks withdrew almost altogether from the SMSF loan market - not because SMSF lending is inherently bad or inadvisable - rather, because the regulation and compliance required were onerous for portfolio streamlining.


So yes, your money is still safe there...but at a high, HIGH price.


Chances are that your SMSF loan for a residential property is at around 9%, and a commercial property over 10% if it's at a big bank.


Let's look at taking your residential SMSF loan from 9% to a rate in the 6s.

Or your commercial SMSF loan from to 0ver 10s to the 7%s.


In the new world of SMSF finance, there are several well-established players who specialise in this market - who not only understand self-managed superfunds - but actively seek to provide the best-priced products and a refinance process as simple as any other.


We can redirect likely thousands back to your fund - to use for other investments and solidify your family's future, and your legacy.


Let's get your SMSF loan in a position so you can focus on the now.


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Contact

+61 414 864 402

camilla@outriderbrokers.com

Sydney, Australia

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Credit Representative 559290 is authorised under Australian Credit Licence 389328

This page provides general information only and has been prepared without taking into account your objectives, financial situation or needs. We recommend that you consider whether it is appropriate for your circumstances and your full financial situation will need to be reviewed prior to acceptance of any offer or product. It does not constitute legal, tax or financial advice and you should always seek professional advice in relation to your individual circumstances.

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