SMSF Lending 

  • No net asset requirement 
  • 100% Offset available – residential and commercial 
  • No ongoing liquidity threshold for loans under 80% LVR 
  • For loans to 80% LVR, accountant’s letter is accepted to aid with servicing
  • No annual review 

Granite Home Loans won the Best SMSF Lender at the Australian Wealth Management Awards 2024.

Our market-leading SMSF product increases your client’s borrowing potential by requiring only a minimum deposit of 10% for residential properties and 20% for commercial properties. Additionally, we offer an optional offset account – plus, there is no net asset or ongoing liquidity threshold requirement, allowing your clients to maximise their investments without the burden of extra paperwork or time-consuming obligations.

Quick Links

Download standard SMSF product sheet
Download AFG specific product sheet
View Rates
Download Application pack

Full features

Payment

  • Principal and Interest
  • Interest only (Commercial – max 75% LVR  | Residential – max 80% LVR) 

Security type

  • Residential or Commercial
  • New or existing property 

Maximum loan term

  • 359 months

Maximum LVR

  • 90% Residential
  • 80% Commercial 

Maximum loan amount

  • P&I – up to $3,500,000 per security |  IO – up to $3,000,000

Easy refinance solution

  • Yes, clean credit, minimum 12 month loan satisfactory history, with a LVR <80% 

Residential

  • Investment only 

Commercial

  • Investment or Owner Occupied

Liquidity obligation

  • No ongoing liquidity threshold for loans under 80% LVR 

Offset account

  • Yes (higher rate applies and not available on SMSF Basic product) 

Borrower 

Fund status

  • Accumulation phase
  • Retirees not acceptable

Credit history

  • Clear credit history 

Employment type

  • PAYG / self-employed 

Acceptable borrowers

  • Corporate Trustee only
  • Australian Citizens or permanent residents

Additional contribution

  • Additional contributions are accepted through an Accountant’s letter to aid with servicing. 
  • For loans up to 80% LVR, we can accept: 

1) Up to 10% of your client’s PAYG gross annual salary; or 

2) Up to 10% of the average NPBT where your client is self-employed. 

Optional features 

Repayment features 

Repayment frequency 

  • Principal & Interest:
    • Weekly
    • Fortnightly
    • Monthly
  • Interest only
    • Monthly 

Transaction functionality 

  • Transactions to and from SMSF CMA via internet, phone 

Make additional payments 

  • Unlimited (fixed rate maximum $20,000) 

Repayment method 

  • Direct debit / auto draw from offset 

Exclusions

  • No construction / vacant land