SMSF Lending

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, requiring only a minimum 10% deposit for residential and 20% commercial property. This means your client can keep more of their funds, or place them in the optional offset account for quick access later on.

Key features

Fixed rate option (max period – 10 years)

Offset account available

Make additional repayments
(Unlimited (fixed rate maximum $20,000))

SMSF Easy Refinance option available

Internet and Mobile App access

Key features

Fixed rate option (max period – 10 years)

Offset account available

Make additional repayments
(Unlimited (fixed rate maximum $20,000))

SMSF Easy Refinance option available

Internet and Mobile App access

Quick links

Product sheet

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Rates

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SMSF application documents

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Full features and benefits

Loan features	Principal and Interest / Interest only (maximum 75%) Security type Residential or Commercial. New or existing property Maximum loan term 359 months Maximum LVR: 90% Residential, 80% Commercial Maximum loan amount: Up to $3,000,000 per security Easy refinance solution Yes, Clean credit, minimum 12 month loan satisfactory history Residential: Investment only Commercial: Investment or OO Offset account: Yes (higher rate applies)
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
Optional features	Fixed rate option (max period – 10 years) SMSF Easy Refinance option available
Repayment features	Repayment frequency: P&I: 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