SMSF Lending

Our loans for SMSF investors offer extremely competitive rates, and full features for those looking to build wealth through investment in high quality properties through their Self Managed Super Fund.

Making SMSF lending simple

Making SMSF lending simple

Our SMSF Loans are offer all the benefits and features available on standard residential home loans – including money-saving offset accounts, no annual reviews, and digital application processes. 

We have easy to understand approval letters and offers, and most importantly – easy to use internet account access and mobile access to check your balances, and access your 100% offset facility. Transaction statements for accounting and audit purposes are also made available in internet account access and through mobile access 

Key Features

  • Up to 90% LVR Residential and 80% for Commercial 

  • Risk fees applicable over 80% (Lender paid LMI) 

  • Loans up to a maximum of $3,500,000* 

  • Available for Purchase or Refinance 

  • Offset facility available 

  • Payment cycle that suits you with Monthly, Fortnightly or Weekly repayments 

  • No Net Asset or Liquidity test 

  • Personal serviceability outside the fund not required 

* Interest Rate and Loan Amounts based on LVR.

Fees

  • Nil Application fee 

  • At cost Residential or Commercial valuation fee 

  • $595 Lender Documentation Prep and Trust Review fee 

  • $395 Annual fee 

  • Lender Protection Fee may apply depending on LVR and security type 

  • Risk fees applicable over 80% (Lender paid LMI) 

  • $2,200 Discharge fee 

  • $495 Fixed rate lock fee 

Fees and Charges subject to change at any time. Please contact your broker for current rates, fees and charges.

Know what you're getting before you jump in

We understand setting up your SMSF is a time consuming process, that’s why we can issue you an indicative offer subject to your fund being setup and complete. 

Our indicative offer letters will outline fees charges and the list of documents required to finalise your application submission. 

Ready to go?

For a full rate and free indication get in touch with us and we’ll put you in contact with your local Granite accredited broker

Talk to us