Ezy SMSF Variable

Ezy SMSF Variable Home Loan rates from

6.89% p.a. Variable*

6.99% p.a.* Comparison

Apply for Ezy SMSF

Ezy SMSF: Flexible Self-Managed Super Fund Loan Solutions

Why Choose Ezy SMSF?

At Reduce Home Loans, we understand the unique needs of Self-Managed Super Funds (SMSFs). Our Ezy SMSF product offers

✅ Competitive Rates: Variable rates from 6.89% p.a. 6.99% p.a. comparison rate.

✅ Flexible Loan-to-Value Ratio (LVR): Borrow up to 90% of your eligible property’s value.

✅ 100% Offset Facility*: (Variable Only with limited transactional ability): Reduce interest payments with our complimentary offset feature.

✅ Waived Application & Annual Fees: Limited-time offer putting more money in your pocket.

Refinance home and debt - Reduce Home Loans

Ezy SMSF Refinance Rates

Variable Interest Rate	Loan Amount	LVR	Comparison Rate
6.89% p.a.	3M	60%	6.99%* p.a.
6.94% p.a.	3M	70%	7.04%* p.a.
6.99% p.a.	3M	75%	7.09%* p.a.
7.09% p.a.	3M	80%	7.19%* p.a.
7.49% p.a.	1M	85%	7.59%* p.a.
7.79% p.a.	1M	90%	7.88%* p.a.
INTEREST ONLY	Loan Amount	LVR
Add 0.20%	3M	90%
CATEGORY 2	Loan Amount	LVR
Add 0.2%	1.5M	60%
Add 0.2%	1.2M	80%
Add 0.2%	750K	90%
CATEGORY 3 & 4	Loan Amount	LVR
7.59%	750K	60%
7.59%	500K	70%
7.59%	400K	80%
SPECIALITY	Loan Amount	LVR
Add 0.50%	3M	70%
HIGH DENSITY Option1	Loan Amount	LVR
Add 0.20%	3M	90%
BENEFIT TO CLIENT EXPRESS REFINANCE	Loan Amount	LVR
Add 0.20%	3M	90%
RENT COVER LEASE DOC & ACCOUNTANTS LETTER	Loan Amount	LVR
Add 0.0%	3M	90%
ACCOUNTANTS DECLARATION	Loan Amount	LVR
Add 0.20%	3M	<70-90%

Fast Service, Competitive Rates

At Reduce Home Loans, we specialise in SMSF refinancing solutions designed for speed and affordability. Our streamlined process ensures fast approvals, so you won’t miss out on valuable investment opportunities. We offer some of the most competitive SMSF loan rates in the market, helping you save thousands in interest. Refinancing with us means more of your money works for you — not tied up in high rates or lengthy approval processes. Our combination of quick turnarounds and low rates sets us apart, making us the go-to choice for Australian property investors who want better returns and peace of mind.

Ready to refinance your SMSF loan? Call 1300 733 823 today and speak with one of our SMSF loan specialists. We’ll help you secure a fast, competitive solution to supercharge your property investment strategy.

General specifications

THE BASICS
Purpose	Refinance & Eligible Purchase
Eligibility	Corporate Trustee
Minimum Amount	$150,000
Loan Term	Up to 30 years
Rate Options	Variable
FEATURES
Multiple Accounts	Free 100% offset facility* - (Variable Only with limited transactional ability)
Account Access	Internet Phone
Statements	Half yearly
REPAYMENTS
Type	Principal & Interest
Frequency	Weekly, Fortnightly & Monthly (Weekly & Fortnightly not available for Interest Only repayments)
Repayment Method	Direct Debit
Additional Repayments	Unlimited
FEES
Application Fee	$0
Establishment Fee	$0
Valuation Fee	At Cost.
Legal Fees	$649 plus Disbursements. Disbursements are unascertainable, Government, Solicitor Review of Trust & PEXA fee which are estimated between $500-$700
Settlement Fee	$0
Other Fees	N/A
Monthly Fee	N/A
Annual Fee	Annual Fee waived for a limited time offer.

*The 100% Offset facility is a feature provided by the lender for the primary benefit of reducing interest charges. The offset facility (which is a sub-account) is limited to one per linked loan. The offset facility can be used as the debit account for the linked loan and to allow payments to be made from the offset facility to your nominated SMSF cash management account only. The offset cannot be used as a full transactional account (it is not a bank account) and features such as third party payments and BPAY are not available. The offset feature has purposefully limited functionality to assist with SMSF compliance. We always recommend that you obtain appropriate advice before using the mortgage loan offset facility so as to ensure you are compliant with the laws that regulate the SMSF loan.