For deadline-era SMSF loans
Thousands settled SMSF loans before the August 2026 deadline. Rates have moved. Check yours.
Two figures to start. The rest is on the next page.
Free · Indicative only · No credit check
Lowest indicative residential refinance rate on the panel
6.89%
Ranges compiled from lender broker guides, as at 23 August 2026. Indicative only.
Highest LVR available on refinance
90%
Across the anonymised lender panel, as at 23 August 2026. Corporate trustee required.
Clean repayment history that can be all the paperwork some pathways need
12 mo
Easy-refi lanes in lender policy guides dated May–Aug 2026.
Three minutes in the savings calculator. Balance, rate, property value — the maths is instant and indicative.
The eligibility check matches your situation against refinance pathway types — no lender names, no credit check.
Your answers go to Nick Clunes at The Lending Lab, who calls within 1 business day with real options from the panel.
Lender names stay off this site — broker guides are confidential. What you see here are anonymised pathway types with indicative rate ranges, as at 23 August 2026.
Pathway
Full credit assessment against current policy, with the widest lender panel and the lowest indicative rate ranges.
from 6.89% p.a.
p.a. · as at 23 August 2026
Full income and serviceability assessment applies. Most lenders in this lane require a corporate trustee.
Pathway
Streamlined “easy refi” lanes: no serviceability reassessment and no income documents where conduct is clean.
from 6.94% p.a.
p.a. · as at 23 August 2026
Dollar-for-dollar only — the new repayment must be lower than the current one. Most lenders in this lane require a corporate trustee.
Pathway
For loans sitting above 80% of the property value — a smaller panel lends to 85–90% LVR on refinance.
from 7.49% p.a.
p.a. · as at 23 August 2026
Higher rates apply above 80% LVR, and corporate trustees only. Watch early-repayment fees on these products.
Pathway
Near-prime lanes that tolerate defaults, arrears history or discharged bankruptcy — priced for the risk.
from 7.99% p.a.
p.a. · as at 23 August 2026
Rates sit 1–2% above prime lanes and application fees are higher. Mortgage arrears right now narrows the panel further.
Residential ranges shown; commercial ranges differ. Indicative only — not an offer of credit.
Indicative rate ranges by pathway and LVR band, refreshed monthly. No lender names, real ranges.
Read →What the 10 August 2026 change actually closed — and what it left open for existing loans.
Read →Discharge, legals, valuation and exit fees — a worked example with the honest maths.
Read →Who you’ll talk to
Every enquiry is referred to Nick — a broker accredited across the SMSF lending panel, including lenders that only deal with brokers. He opens each conversation with your numbers already in front of him, so the call is about options, not paperwork.
Credit Representative 530711 · Australian Credit Licence 387856 · ACN 651 936 337
Yes. The 10 August 2026 change closed most new residential SMSF lending, but refinancing an existing SMSF loan remains available through non-bank lenders. Several products exist specifically for loans settled before the deadline.
Typical switching costs run $1,200–$4,000: a discharge fee on your current loan, legal and valuation fees, and any application fee on the new loan. The calculator shows these costs before any savings figure, and some lenders are waiving fees until late 2026.
Not always. Express refinance pathways assess 6–12 months of clean repayment history instead of a full serviceability reassessment, and can often reuse your existing legal advice.
Generally no. SMSF refinance is dollar-for-dollar: the new loan pays out the old one plus capitalised costs. If you need to release equity, that is a different conversation — the eligibility check explains the options.
No. The calculator and eligibility check are self-serve tools — they do not touch your credit file. A credit check only happens later, if you choose to proceed with an application through the broker.
