WLTH’s Ocean SMSF Easy Refi is a simpler way for self-managed super funds with a good repayment history to refinance residential or commercial property. Variable rates start from 7.14% p.a. for residential and 7.83% p.a. for commercial property, up to 80% LVR, with a 100% eOffset at no extra cost. Rates are effective 13 October 2026.
| LVR | Residential (refinance only) | Commercial (refinance only) |
|---|---|---|
| Up to 60% | 7.14% p.a. | 7.83% p.a. |
| From 60% – 70% | 7.24% p.a. | 7.83% p.a. |
| From 70% – 80% | 7.34% p.a. | 7.98% p.a. |
Frequently Asked Questions
What are WLTH’s SMSF refinance rates?
WLTH’s Ocean SMSF Easy Refi has variable rates from 7.14% p.a. for residential property and from 7.83% p.a. for commercial property. Your rate depends on your LVR. Rates are effective 13 October 2026.
What is Easy Refi?
Easy Refi is a simpler refinance option for SMSFs that can show a good repayment history on their current loan, and that will pay less by moving to WLTH.
Who is eligible for Easy Refi?
To be eligible, your fund needs to:
- Have made 12 months of satisfactory repayments on its current loan, with no more than 15 days in arrears. This is checked through a credit report or 12 months of loan statements.
- Get a lower interest rate and lower principal and interest repayments with WLTH than it has now.
- Meet a minimum Equifax credit score of 600.
- Be refinancing from a lender on WLTH’s approved list for Easy Refi.
What if I don’t meet the Easy Refi criteria?
You can still apply to refinance with WLTH. Your application will be assessed under the full application process for the Ocean SMSF Variable loan. See WLTH’s SMSF loan rates.
What can I use this loan for?
The loan is for refinancing an existing SMSF loan on residential or commercial property. To buy a commercial property through your SMSF, see the Ocean SMSF Variable and Ocean SMSF Fixed loans.
Can I get an offset account on an SMSF loan with WLTH?
Yes. A 100% eOffset is available on request at every LVR, with no increase to your interest rate. Money held in the eOffset reduces the interest your fund pays on the loan.
What is the maximum LVR for an SMSF loan with WLTH?
For Easy Refi, the maximum LVR is 80% for both residential and commercial property. Interest-only loans on commercial property are limited to 75% LVR. Depending on the property’s location, a lower maximum may apply.
How much can my SMSF borrow?
Loans go up to $5 million for inner-city and metro properties, and up to $3.5 million for non-metro and regional properties. The maximum total borrowing for any individual borrower is $10 million. This includes loans where the individual is also a co-borrower as a director of their company. Loans over $3.5 million attract a 0.50% p.a. loading.
Is interest only available?
Yes. Interest-only repayments are available for up to 5 years, with a 0.20% p.a. loading. Interest-only loans require monthly repayments. For commercial property, interest only is available up to 75% LVR.
Does my property’s location affect how much I can borrow?
Yes. Maximum LVRs depend on the population of the area where the property is located, and properties in areas with fewer than 3,000 people are not accepted.
Do I need legal advice?
Independent legal advice is required for all newly established SMSFs.
What other WLTH SMSF loans are available?
See WLTH’s SMSF loan rates for the Ocean SMSF Variable loan and WLTH’s SMSF fixed loan rates for the Ocean SMSF Fixed loan.
How do I apply?
Ask your mortgage broker about WLTH, or contact us at 13 WLTH or hello@wlth.com.
Impact Lending
WLTH is Australia’s first Impact Lender. For every loan settled with WLTH, 50m² of Australian beach and coastline will be cleaned up alongside Parley for the Oceans. Your home loan helps keep Australia’s coastline clean, at no extra cost to you.
Disclaimers
Rates and information are correct as at 13 October 2026 and are subject to change without notice.
All loans are subject to lending criteria. Other conditions, fees and charges may apply. Legal fees do not cover disbursements, government charges or third-party contract processing fees.
The information in this article is general in nature and does not take into account your objectives, financial situation or needs. Borrowing through a self-managed super fund is complex and involves risks. Before acting on this information, consider whether it is appropriate for you and seek independent financial, legal and tax advice.
WLTH Lend Pty Ltd CRN 525 873 as authorised by WLTH Pty Ltd AFSL & ACL 525 752.
