SMSF refinancing

What is SMSF refinancing?

If your Self-Managed Super Fund (SMSF) already holds an investment property, refinancing the current SMSF loan could help reduce costs, improve cash flow, and accelerate your financial goals. Just like a standard refinance, SMSF refinancing involves replacing your existing SMSF loan with a new one—often with a better interest rate, improved features, and a structure that aligns with your long-term retirement strategy.

What are the benefits?

Potential Interest Rate Reduction – Secure a more competitive rate to reduce your monthly loan repayments and increase surplus super funds.

Pay Off Your Loan Sooner – By refinancing to a lower-rate loan and contributing additional funds or rental income, your SMSF can clear the debt faster, bringing forward full ownership.

Boost Passive Income – Once your property is owned outright by the SMSF, rental income becomes a steady, tax- effective income stream in retirement.

Better Loan Features – Access improved loan options with greater flexibility, offset accounts, and better structuring for your SMSF’s growth.

Improve Your Cash Flow – Refinancing can help reduce strain on your SMSF’s liquidity and ensure super contributions and income are used efficiently.

Things to consider

Your SMSF trust deed must permit refinancing and meet all compliance requirements.
There must be sufficient cash flow (such as contributions and rent) to support the refinanced loan.
Establishment and refinance costs must be weighed against long-term savings.
Legal and tax implications should be reviewed to ensure refinancing aligns with your fund’s goals.
Not all lenders offer SMSF refinance options— expert navigation is key.
In some cases, if you can provide the original legal advice from the initial loan, you may not need to obtain new independent legal advice, depending on the lender’s policy.

Why work with Gold Coast Wealth

Refinancing an SMSF loan can be complex—but we make it simple and strategic.

Specialist SMSF Knowledge – We understand the legal structures, tax rules, and lender policies required for SMSF lending success.

Tailored Lending Strategy – We match your SMSF’s goals to lenders offering optimal rates, terms, and flexibility.

Full Support from Start to Finish – We guide you through every step, from refinancing analysis to application, approval, and settlement.

Gold Coast Wealth Pty Ltd ABN 55 677 524 551 Credit Representative 559826 is authorised under Australian Credit Licence 389328. Disclaimer: Document 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. Subject to lenders credit assessment with terms and conditions, fees and charges and eligibility criteria apply.

Construction Lending (QLD)

Building your dream home is exciting — but managing the process between the bank, builder, and solicitor can quickly become overwhelming. That’s where having a broker on your side makes all the difference. At GC Wealth, we specialise in construction finance and house & land packages. We take the pressure off by streamlining communication and making sure every moving part is managed efficiently.

Bridging Loans

A bridging loan is a short-term finance solution that allows you to purchase a new property before you’ve sold your current one. It’s designed to “bridge the gap” between two transactions, providing you with the financial flexibility to secure your new home without the rush of waiting for your current property to sell. This solution gives you the breathing room to make your move on your own terms — without the pressure of tight timelines or missing out on your ideal property.

Refinancing

Your home loan is one of your most significant financial commitments, and ensuring it remains aligned with your needs is essential. Over time, market conditions change, and your personal circumstances evolve—what was once the right loan for you may no longer be the best fit. Refinancing can offer the opportunity to optimise your mortgage, improve cash flow, and implement strategies to reduce your loan term and overall interest payable.

Pre-approval

Buying a home or investment property? The first step is securing a pre-approval! This crucial step provides clarity on your borrowing power, helping you set a realistic budget and giving you a competitive edge when making offers. With GC Wealth, the process is structured and tailored to your needs, ensuring you have the right financial foundation to move forward with confidence. Our team takes the time to assess your situation, provide insights, and connect you with the best lending options available—so you can focus on finding your ideal property.

Why choose us

At GC Wealth, we create tailored finance strategies to help you build wealth and achieve long-term financial security. With extensive mortgage broking experience, we provide lending solutions that fit your goals now and in the future. Specialising in SMSF lending, residential, first home buyers, investors, commercial, and development finance, we guide you every step of the way. Let’s build a strategy that moves you forward with confidence.

Borrowing capacity

Your borrowing capacity plays a key role in securing a home loan, as it determines how much a lender may offer you and helps you set a realistic property budget. Knowing your borrowing power upfront allows you to focus your search on homes within your financial reach and gives you confidence during negotiations. At GC Wealth, we simplify this process by guiding you through each step, ensuring you have the clarity and knowledge to make informed decisions.