SMSF Refinance & Restructuring

Smarter SMSF lending structures for better long-term outcomes

Many SMSF loans were written years ago under outdated lender policies, restrictive terms, or rushed structures that no longer serve the fund’s best interests.

We help SMSF trustees review, refinance, and restructure existing lending arrangements to improve flexibility, reduce risk, and align the loan with current strategy — without compromising compliance.

When refinancing or restructuring makes sense

SMSF lending is not “set and forget.” Changes in interest rates, lender appetite, fund balances, or investment strategy can quickly make an existing loan inefficient or restrictive.

We regularly assist trustees who want to:

• Reduce interest costs or remove unfavourable terms

• Refinance away from legacy or inflexible lenders

• Improve cash flow or loan structure as the SMSF grows

• Resolve compliance or structural concerns proactively

• Reposition the SMSF for future acquisitions

If your SMSF loan hasn’t been reviewed recently, there is often significant upside in doing so.

A strategic review — not just a rate comparison

Refinancing inside an SMSF requires more than finding a cheaper rate. Lender policy, valuation risk, loan-to-value ratios, and LRBA compliance all need to be carefully assessed before any change is made.

We take a strategic approach by:

• Reviewing your current loan structure and lender terms

• Assessing refinance feasibility across suitable SMSF lenders

• Identifying structural improvements — not just pricing changes

• Flagging compliance or documentation risks early

• Aligning the loan with your long-term investment strategy

This ensures any refinance or restructure strengthens your SMSF — not just today, but over time.

Protecting compliance while improving performance

Poorly planned refinances can create unintended compliance breaches, settlement delays, or lender issues that are costly to fix.

Our approach is deliberately conservative and compliance-first. We ensure every recommendation:

• Fits within LRBA requirements

• Aligns with lender policy from the outset

• Avoids unnecessary structural complexity

• Supports sustainable property ownership inside super

The goal is a structure that holds up under scrutiny — from lenders, auditors, and regulators alike.

Hands-on management from review to settlement

We manage the entire refinance or restructure process, coordinating with your accountant, solicitor, and lender to ensure nothing is missed.

From initial feasibility through to settlement, we keep the process clear, controlled, and moving forward — so you can make confident decisions without unnecessary stress.