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.

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.

SMSF Loans

A Self-Managed Super Fund (SMSF) is a private super fund that gives members full control over their retirement investments. Unlike retail or industry super funds, an SMSF allows investment in property, shares, term deposits, and more, following ATO regulations.

While SMSFs offer various investment options, this flyer focuses on SMSF property loans, a strategy that lets your superfund borrow to invest in real estate and grow long-term wealth.

Home Loan Process

Buying a home is a significant milestone in anyone’s life! At Gold Coast Wealth, we aim to make your home-buying experience not only enjoyable but also completely hassle-free. From the very moment you connect with us, you’ll discover a team that genuinely cares about your unique needs and aspirations. Our expert specialists are here to guide you through the journey, whether you’re a seasoned investor, a first-time buyer, or looking to upgrade to a more spacious or modern home. We provide valuable insights and advice to empower you to make confident decisions every step of the way.

Imagine the excitement and joy of obtaining the keys to your new home! We understand how important this moment is, and we’re dedicated to turning that dream into reality. Our commitment extends to supporting you through every aspect of the process—from our initial conversation to the final settlement. Gold Coast Wealth is here to make your journey smooth and stress-free, supporting you every step of the way as you take the next important step in your financial future.