SMSF Lending
Award-winning SMSF lending purpose-built for brokers and clients
Residential and commercial *
- No net asset requirement
- No annual review
- 100% Offset available – residential and commercial
- No ongoing liquidity threshold for loans under 80% LVR
- Actual and proposed contributions accepted
Granite Home Loans won the Best SMSF Lender at the Australian Wealth Management Awards 2024.
Is yours an SMSF Easy Refinance? Go here.
Granite is still open for residential SMSF business
NEW: Special 6.99% p.a. rate for SMSF residential purchases up to 80% LVR**. View rates.
Incoming changes to legislation governing SMSFs is expected to stop SMSFs from borrowing to invest in residential property. However if contracts are exchanged before the expected commencement of the ban on the 10th August 2026, the ban will not apply, even if settlement occurs later.
Find out more
Our market-leading SMSF product increases borrowing potential by requiring minimum deposits of only 10% for residential properties and 20% for commercial. We also offer an optional offset facility, and there is no net asset or ongoing liquidity threshold, so your clients can maximise their investments without the extra paperwork or obligations.
SMSF applications are now easier with new loan application engine Simpology V2 (Loanapp 2.0)!
Full features
Payment
- Principal and Interest
- Interest only (Refer to SMSF Rates page for permitted max LVR tiers)
Security type
- Residential or Commercial *
- New or existing property
*As of the date of enactment of the Treasury Laws Amendment (Tax Reform No. 1) Bill 2026, only business real property will be accepted.
Maximum loan term
- 360 months (P&I)
- 60 months (IO)
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 facility
- Yes (not available on SMSF Basic product)
- Refer to SMSF Offset Facility Guide to understand the main features, rules, and compliance requirements of the Granite SMSF offset facility.
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 and proposed contributions
- Actual and proposed contributions accepted. Proposed contributions require a contribution form signed by the member’s accountant or financial planner.
- For proposed contributions we accept:
- Maximum of 10% of gross annual income from members; or
- Maximum of 10% of the NPBT of the member’s primary trading entity (can addback depreciation and salary drawings).
- Proposed contributions not accepted where member’s CCR highlights any failure to meet repayments – RHI needs to be less than 3 over the past 12 months.
Optional features
- Fixed rate option (max period – 10 years)
- SMSF Easy Refinance option available
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
**Only available for new variable SMSF loan applications for residential property purchases with an LVR of 80% or less under a compliant Bare Trust arrangement. Applications must be received on or before 31 August 2026 and the property purchase contract must have been exchanged before 10 August 2026. The promotional variable interest rate of 6.99% p.a. applies where settlement occurs within 90 days of formal loan approval. The advertised rate is a variable rate and may increase or decrease in line with RBA cash rate movements. Promotional pricing is correct as at 8 July 2026 and is subject to credit approval and subject to RBA cash rate movements.
Terms, conditions, fees, charges, eligibility and lending criteria apply. All applications are subject to credit assessment and approval. Where settlement does not occur within 90 days of formal loan approval, the standard variable rate applicable at the time of settlement will apply. Granite Home Loans Pty Ltd ABN 27 622 955 524, Australian Credit Licence 516104.
General information only. This material is intended for licensed brokers and advisers and does not constitute financial, tax, legal or SMSF advice. SMSF trustees should obtain independent professional advice before entering a Limited Recourse Borrowing Arrangement.
