Your Super is Working. Is it Working Hard Enough?
Variable Rate from 6.99%
Non Transactional Offset Accounts available on all SMSF Loans
Up to 90% LVR
Residential - one of the highest LVRs available for SMSF lending
From $200K
Minimum loan size for eligible SMSF borrowers
Residential and
Commerical
Investment property and business real property both available
Thousands of Australians are using their self-managed super fund to invest in property – building real, tangible wealth for retirement. We specialise in SMSF loans from $200,000 across both residential and commercial property.
Refinance your SMSF Loan Today!
Unlock the potential of your self-managed super fund with a competitive SMSF Refi Loan for refinancing existing SMSF loans.
Whether you’re investing in residential or commercial property, or looking to reduce costs and improve your current loan structure, our SMSF Refi Loan offers large loan sizes, interest-only repayment options and a non-transactional sub-account.
Maximise your SMSF investment strategy with a competitive SMSF Refi Loan today.
Ready to reduce your Interest Rate? Let's talk about your SMSF Refi Loan today.
Complete the short form below and a Collective Lending SMSF specialist will be in touch. No obligation, no jargon – just a straight conversation about what’s possible for your fund.
SMSF Refinance
Residential & Commercial Security
Variable
SMSF Resi 60
6.99% p.a.
- Borrow Up to 60% LVR
- Max Loan $1.5 mil
- Non Transactional Offset available*
- No Liquidity Requirements
Variable
SMSF Resi 70
7.04% p.a.
- Borrow Up to 70% LVR
- Max Loan $1.5 mil
- Non Transactional Offset available*
- No Liquidity Requirements
Variable
SMSF Resi 80
7.34% p.a.
- Borrow Up to 80% LVR
- Max Loan $1.25 mil
- Non Transactional Offset available*
- No Liquidity Requirements
Variable
SMSF Comm 70
7.59% p.a.
- Borrow Up to 70% LVR
- Max Loan $2 mil
- Non Transactional Offset available*
- No Liquidity Requirements
Variable
SMSF Comm 80
7.79% p.a.
- Borrow Up to 80% LVR
- Max Loan $2 mil
- Non Transactional Offset available*
- No Liquidity Requirements
Fees
Valuation Fee – from $330
Annual Fee – $395
*Non Transactional Offset + 0.10%
RAPID REFI
Simple and Stress Free Refinances
with Minimal Documentation
Serviceability
2 Years clear SMSF Loan Statements <45 days old at approval
Evidence of Rental income for last 12 months - Rental Statements and/or Rental Credits to Bank Statements <45 days old at Approval
Annual Rental must exceed Annual Loan Repayment to Validate Serviceability
Security Property
Property must be tenanted at time of application
Loan Repayment Type
If Interest Only requested, the previous loan must have been on Interest Only for a minimum of 6 months
Fees & Charges
Fees, Break Costs and general loan charges can be capitalised onto the new loan
Is Refinancing Your SMSF Loan the Right Move?
Whether an SMSF Refi Loan is suitable for you will depend on your individual circumstances, financial position and long-term investment goals. Before proceeding, it’s important to consider a range of factors to determine whether refinancing your SMSF Loan aligns with your strategy.
We work with SMSF trustees, financial advisors & mortgage brokers
Your rate no longer stacks up
SMSF rates have moved. If you set and forgot your loan, you could be paying well above market — and that hurts your fund's returns.
Your lender has exited SMSF Lending
Several banks have pulled out of the SMSF space. If your current lender is no longer active, refinancing isn't optional — it's necessary.
You want an offset account on your SMSF loan
Not all SMSF lenders offer offset accounts — but the right ones do. Parking surplus fund cash in an offset can meaningfully reduce the interest your fund pays.
Cashflow inside your find is tight
A lower rate or longer term can reduce monthly repayments — giving your SMSF more breathing room to meet its contribution and expense obligations.
It's simple to get a loan with Collective Lending
Apply
Complete an enquiry online or speak with one of our lending specialists. We'll take the time to understand your goals and help identify the right lending solution for your needs
Discuss Your Options
Your dedicated lending specialist will guide you through the available loan options, answer your questions, and help structure a loan that aligns with your financial objectives.
Provide Your Documents
Securely upload your supporting documents, such as identification, income verification and bank statements. Our team will manage the application process and keep you updated every step of the way.
Approval & Settlement
Once approved, we'll coordinate the settlement process and ensure everything runs smoothly.
© Collective Lending Pty Ltd | ABN 28 121 669 618
Australian Credit Licence 386 142