Product overview
Self Managed Super Fund (SMSF) Lending. Residential and Commercial:
Refinance
- Existing residential property held within the SMSF prior to 10 August 2026.
- Commercial property, that meets the Business Real Property definition.
Purchase
- Residential property with a binding contract of sale exchanged before 10 August 2026.
- Commercial property with a binding contract of sale exchanged on or after 10 August 2026 that qualifies as Business Real Property under superannuation legislation. The property needs to be used wholly and exclusively in one or more businesses at the time the Limited Recourse Borrowing Arrangement (LRBA) is entered into, and throughout the life of the LRBA.
Easy Refi Owner Occupied and Investment Loan – Lower Doc product at Full Doc Rates:
- Better rates and faster funding
- To max loan of 80% LVR Residential loan (owner occupied or Investment)
- Good credit history and Granite interest rate must be lower than their current rate
- New P&I repayments must be lower than current P&I repayments
- Employed for more than 6 months
- Cash out option available
Sharia-Compliant Finance:
- Fully-featured home loans
- Competitive rates
- Sharia-compliant
- Fixed and variable
Lender Paid LMI – help your client stretch their deposit:
- Minimum requirements: Cat 1 & 2, Established properties, Clean Credit, Veda Credit score over 600, purchase only, no minimum income requirements.
- Professional Product 95% (Lender Paid LMI) Owner Occupied, Degree qualified, Legal, Medical, Health, Engineer, IT, Managers & Execs
- Essential Workers 90% (Lender Paid LMI) Owner Occupied, Police, Fire Fighters, Nurses, Paramedics, Primary and Secondary School Teachers.
- Lender Paid LMI up to 85% Investor and Owner Occupied – Refinance or Purchase
Construction
- 15 months Interest only during construction
- Residential: Construction investment, construction owner occupied
- Construction Risk Fee applies > 70%. No LMI payable
- Max LVR 95%
- Free offset account once construction is complete, only available for variable rate
Standard
- P&I or IO, Residential or Investment, Fixed rate
- Max LVR: 95%
- > 80% Lender Protection Fee applies
- Offset account option available
- Multiple loan split option
- Optional redraw facilities
Non-Resident Lending via Granite AAA
Non-Resident Lending for Purchases, Refinance or Construction
- Wide range of accepted Countries and Currencies
- P&I or Interest Only. Fixed Rates available
- Up to 90% LVR
- Easy Refi available
- Includes 100% Offset account, redraw, Internet Access and Mobile Access (free unlimited transactions).
- No Early Repayment Penalties
Expat Lending via Granite AAA
Australians with overseas income, Citizens and Permanent Residents living and working overseas
- Lending for Purchases, Refinance or Construction
- Wide range of accepted Countries and Currencies
- P&I or Interest Only. Fixed Rates available
- Up to 90% LVR
- Easy Refi available
- Includes 100% Offset account, redraw, Internet Access, Mobile Access (free unlimited transactions)
- No Early Repayment Penalties.
Visa Holders
Acceptable Visa Holders with AUD income, requiring FIRB approval
- Wide range of acceptable Visas
- P&I or Interest Only. Fixed Rates available
- Up to 90% LVR
- Easy Refi Available
- Includes 100% Offset account, redraw, Internet Access and Mobile Access (free unlimited transactions)
- No Early Repayment Penalties
