Fund first
Start with the existing arrangement
SMSF STRUCTURE
Review the fund, property, borrower and holding-trust details before treating the refinance as a straightforward rate switch.
A clearer way to refinance your SMSF loan
Review your fund's existing property loan, compare suitable lending options and organise the trustee, lender and legal steps needed for an SMSF refinance.
Loan review
Compare options that fit the fund
LENDING OPTIONS
Consider available SMSF lending options, repayment requirements and lender policy against the fund's circumstances.
Clear costs
Understand the work involved
REFINANCE COSTS
Allow for lender, valuation, legal and discharge costs when assessing whether a change makes sense.
SMSF LOAN REVIEW
Review the structure as well as the rate
An SMSF property loan sits within a fund and legal structure. Domium helps you organise the lending review, compare options and identify the documents a lender may need. Your accountant, SMSF adviser and legal representative remain important to checking the fund's position and the arrangements that support the borrowing.
What your SMSF refinance review considers
Loan
Rate, repayments and remaining term
Review the current facility, repayment type and term against the options available for the fund.
Structure
The fund and holding arrangement
Confirm the borrower, trustee and property-holding details with the relevant advisers. Changes may need additional legal or tax consideration.
Documents
Financials and supporting records
Organise current fund financial information, existing loan statements, property records and the documents requested by the lender.
Decision
Costs and the fund's needs
Consider switching costs, cash flow and the reason for refinancing. A lower headline rate alone does not establish that the change is suitable.
A COORDINATED SWITCH
Keep the paperwork ahead of the settlement date
Fund and holding-trust documents, loan statements, property details and current financial information may all be needed. We help you understand the lender's requests and coordinate outstanding items, so a missing signature, discharge instruction or legal document is identified before it holds up the refinance.
How SMSF refinancing moves forward
Keep the lending assessment and the fund's professional advice connected.
1. Review the current SMSF loan
Share the fund, property and existing loan details. Tell us why you are considering a change and who advises the fund.
2. Compare lender requirements
Review suitable lending options and identify the financial and structural documents needed for an application.
3. Confirm advice and documents
Work with your accountant, SMSF adviser and solicitor on the relevant fund, trust and legal requirements before documents are finalised.
4. Complete the lender and settlement steps
If approved and you choose to proceed, coordinate the discharge, new loan documents and refinance settlement requirements.
SMSF refinancing has its own borrowing rules
The ATO recognises that an SMSF can refinance an existing limited recourse borrowing arrangement, but the new arrangement must meet the applicable superannuation law requirements. Do not assume that ordinary home-loan equity release, ownership changes or loan variations are available on the same terms. Obtain advice about your fund before proceeding.
SMSF refinance questions
Key questions about the existing loan, structure and professional advice.
START SMSF REFINANCE REVIEWIt may be possible. The existing borrowing, proposed lender and new arrangement need to satisfy the applicable requirements. Approval depends on the fund's circumstances and lender criteria.
No. The fund, trustee and holding arrangements introduce additional considerations. The legal borrower, supporting documents and lender assessment need to be checked specifically for the SMSF.
Start with the current loan statements, property details, fund financial information and relevant fund and trust documents. Your lender and professional advisers will confirm the complete list.
Do not assume that it can. Borrowing through an SMSF is subject to specific restrictions. Ask your SMSF adviser and legal representative to assess the proposed purpose and structure.
No. Domium supports the lending and coordination process. Obtain the accounting, tax, investment and legal advice needed for the fund's decision.
The ATO's SMSF borrowing guidance explains the limited recourse rules and refinancing considerations. Review it with the professionals advising your fund.
Results that speak
Trusted by 2,000+ property buyers, investors and SMSF clients
Read our Google reviews5.00
Settlement was smooth and team proactively chased all legal angles as and when required.
5.00
We settled our first home with Domium and it has been an excellent experience. … They are very easy to reach and highly responsive.
5.00
Doing my refinance with Domium was such an incredibly easy and straightforward process…
5.00
More specifically, the legal services team is prompt in their services.
5.00
Domium is high tech platform with a continuous one-on-one support making the whole refinancing experience easy and seamless.
5.00
The platform was easy to use and provided clear information on the current status and next steps.
5.00
Less messing about with paperwork and a quicker route to a new property. Can't recommend Domium as a business more.
5.00
In the end, Domium was the only one capable of meeting my specific needs within an exceptionally tight timeframe.
5.00
Great service. Hassle free and best process and timely updates. This is my second experience with them.
5.00
They explained everything clearly, kept me informed, and made the whole process much easier and less stressful.
5.00
Settlement was smooth and team proactively chased all legal angles as and when required.
5.00
We settled our first home with Domium and it has been an excellent experience. … They are very easy to reach and highly responsive.
5.00
Doing my refinance with Domium was such an incredibly easy and straightforward process…
5.00
More specifically, the legal services team is prompt in their services.
5.00
Domium is high tech platform with a continuous one-on-one support making the whole refinancing experience easy and seamless.
5.00
The platform was easy to use and provided clear information on the current status and next steps.
5.00
Less messing about with paperwork and a quicker route to a new property. Can't recommend Domium as a business more.
5.00
In the end, Domium was the only one capable of meeting my specific needs within an exceptionally tight timeframe.
5.00
Great service. Hassle free and best process and timely updates. This is my second experience with them.
5.00
They explained everything clearly, kept me informed, and made the whole process much easier and less stressful.
YOUR NEXT STEP
Give your SMSF property loan a considered review
Bring the current loan, fund documents and your advisers into the process early. Start with a review of the lending position before making a change.