Why you should review your SMSF loan
- 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.

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.




Comments