SMSF refinance savings calculator

Six inputs, no submit button. The figure is always live. If the numbers don’t stack up, we say so.

These rates were last updated on 23 August 2026 (63 days ago) and may have moved. Any figures shown are indicative only, so confirm current rates in a conversation before making decisions.

Current loan balance

$100,000$5,000,000

Current interest rate

5.50% p.a.11.00% p.a.

Remaining loan term

Estimated property value

$200,000$5,000,000

Your loan is about 71% of the property value (LVR).

Repayment type

Principal & interestInterest only

Property type

ResidentialCommercial

You could save

up to $842/mo

Range $591–$842/mo · rates as at 23 August 2026 · indicative only

3-year net after switching costs: $19,012–$28,070
Break-even: about month 4

New repayment (indicative): $6,002–$6,254/mo
Discharge fee (est.): $450
Legals + valuation (est.): $1,800
Total switching cost (est.): $2,250

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How we worked this out

Compared against your current repayment at 8.50% p.a. on $850,000 over 25 years, principal & interest.
Indicative new rate 6.99% p.a.–7.45% p.a. (Standard refinance range at 71% LVR, as at 23 August 2026). Your actual rate depends on assessment.
Estimated switching costs: $0 application + $1,800 legals & valuation + $450 estimated discharge on your current loan = $2,250 total. Early-exit fees on your current loan are not included, so check with your lender.
3-year net saving = monthly saving × 36 − total switching costs. It ignores future rate movements, fee changes and tax.
Figures are indicative estimates only. Not a quote, not pre-approval, not an offer of credit, and not advice.

How we worked this out

Compared against your current repayment at 8.50% p.a. on $850,000 over 25 years, principal & interest.
Indicative new rate 6.99% p.a.–7.45% p.a. (Standard refinance range at 71% LVR, as at 23 August 2026). Your actual rate depends on assessment.
Estimated switching costs: $0 application + $1,800 legals & valuation + $450 estimated discharge on your current loan = $2,250 total. Early-exit fees on your current loan are not included, so check with your lender.
3-year net saving = monthly saving × 36 − total switching costs. It ignores future rate movements, fee changes and tax.
Figures are indicative estimates only. Not a quote, not pre-approval, not an offer of credit, and not advice.

Pathways for these numbers

Anonymised pathway types with indicative ranges as at 23 August 2026, never lender names.

Pathway

Standard refinance

Full credit assessment against current policy, with the widest lender panel and the lowest indicative rate ranges.

from 6.89%

p.a. · as at 23 August 2026

Available at 71% LVR, and this pathway lends to 80%.
Indicative 6.99%–7.45% p.a. at this LVR band.

Full income and serviceability assessment applies. Most lenders in this lane require a corporate trustee.

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Pathway

Express refinance

Streamlined “easy refi” lanes: no serviceability reassessment and no income documents where conduct is clean.

from 6.94%

p.a. · as at 23 August 2026

Available at 71% LVR, and this pathway lends to 80%.
Indicative 7.09%–7.40% p.a. at this LVR band.

Dollar-for-dollar only, and the new repayment must be lower than the current one. Most lenders in this lane require a corporate trustee.

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Pathway

High-LVR refinance

For loans sitting above 80% of the property value, where a smaller panel lends to 85–90% LVR on refinance.

from 7.49%

p.a. · as at 23 August 2026

Available at 71% LVR, and this pathway lends to 90%.
Indicative 7.49%–8.49% p.a. at this LVR band.

Higher rates apply above 80% LVR, and corporate trustees only. Watch early-repayment fees on these products.

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