SMSF Lending 

Award-winning SMSF lending purpose-built for brokers and clients
  • No ongoing net asset covenant requirement
  • No scheduled annual financial review
  • 100% Offset available
  • No ongoing liquidity re-test
  • Actual and proposed contributions accepted
  • No Application fee
  • No Settlement fee
Granite Home Loans won the Best SMSF Lender at the Australian Wealth Management Awards 2024.

Is yours an SMSF Easy Refinance? Go here.

Our SMSF lending solution supports eligible business real property purchases and refinancing within an SMSF structure. Clients may be able to borrow with a minimum deposit of 20% for eligible business real properties subject to lending criteria, valuation and lender assessment. Additionally, we offer an optional offset facility and do not require ongoing net asset or liquidity thresholds, helping simplify ongoing SMSF administration and reduce unnecessary paperwork.

SMSF applications are now easier with new loan application engine Simpology V2 (Loanapp 2.0)!

Quick Links

Download standard SMSF product sheet
Download AFG specific product sheet
View Rates
Download Application pack
Access SMSF loan application training

Full features

Payment

  • Principal and Interest
  • Interest only (Refer to SMSF Rates page for permitted max LVR tiers) 

Security type

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.

Maximum loan term

  • 360 months (P&I)
  • 60 months (IO)

Maximum LVR

  • 80%

Maximum loan amount

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

Property checker

  • Get an early indication of whether a security property meets key Granite location and property policy requirements.

Access the Broker Management Tool

Easy refinance solution

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

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

  • Available to SMSFs in accumulation phase. Funds with one or more members in pension or retirement phase may be considered on a case by case basis, subject to Granite’s credit assessment and lending policy, where the fund’s ongoing contributions and/or investment income are sufficient to demonstrate serviceability.

Credit history

  • Clear credit history 

Servicing assessment

  • Serviceability is assessed on the fund’s acceptable contribution types and income sources (including member contributions, rental income and SMSF investment income) in accordance with Granite lending policy.

Liquidity assessment

  • No ongoing net asset covenant and no annual liquidity re-test unless a loan variation takes place. Liquidity is assessed at application. The SMSF trustee remains responsible for maintaining adequate liquidity for the life of the loan, ensuring the fund holds sufficient liquidity to meet loan repayments, property outgoings and the fund’s obligations.

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 

Repayment features 

Repayment frequency 

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

Transaction functionality 

  • The SMSF offset facility is a transactional sub-account of the SMSF loan and is not intended to operate as an everyday transaction account.
  • Outgoing transactions are limited to BPAY payments and online redraws to the Cash Management Account (CMA) held in the same name as the SMSF loan.
  • Pay Anyone and transfers to third party accounts are not available. Access to payment functionality may be restricted, or subject to our approval, from time to time.
  • Refer to the View SMSF Offset Facility Guide for more information.

Make additional payments 

  • Unlimited (fixed rate maximum $20,000 p.a)

Exclusions

  • No construction / vacant land 
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.