Refinancing loans held in SMSF or Trust

Lending & Mortgage Broking


Refinancing loans held in SMSF or Trust

Do you have clients 'locked into' a high interest LRBA within an SMSF or Trust that their lender is unwilling to reprice or refinance?

This is a situation that has received recent media attention due to major lenders being unwilling to reprice certain types of loans (LRBA's within SMSF and loans tied to properties held in trust), resulting in borrowers paying interest rates much higher than the market rate. This is a highly specialised area of finance and one that many brokers and lenders lack experience in, leaving borrowers seemingly 'stuck' with the original loan.

Partners Lending have many years of experience setting up trust loans and LRBA's within SMSFs and have the knowledge and networks to assist clients looking to refinance or renegotiate their loan terms.

If your client is paying more than 8% p.a. interest on an LRBA or Trust loan, we can help them refinance, potentially saving them thousands of dollars in interest per year.

The table below provides some recent real client examples of loans we have refinanced, saving clients hundreds of thousands of dollars over the life of the loan.

Loan amount 

Old rate 

 New rate

Rate reduction

Monthly interest savings 

 Annual interest saving

 Life of loan saving






























Fast & simple process
All we need to review your client's loan is a current loan statement. We can then provide you with a range of comparative options and if they wish to proceed, we can then move through the application process swiftly. The process is easy, efficient and could save your client a lot of money.

In summary:

  • Yes, we can refinance complex LRBA's within SMSFs and trust loans.
  • Our team are highly efficient and have the expertise to guide the transaction through to a smooth settlement process, usually within 5-10 business days.
  • Low involvement required from you and your client.
  • No downsides - all recommendations are made in your client's best interests resulting in preferable rates and terms. We will not recommend a new lender if you are not financially better off after all broker & lending institution charges.

If you would like to know more please contact James Thompson at Partners Lending today on or call (03) 8508 7800.


This article contains information that is general in nature. It does not take into account the objectives, financial situation or needs of any particular person. You need to consider your financial situation and needs before making any decisions based on this information. Partners Lending are authorised credit representatives of Connective Credit Services Australia, Australian Credit Licence (ACL) #389328.