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

Granite SMSF Loans offer a range of features designed to help you manage your SMSF property investment with confidence, whether you’re purchasing commercial property or refinancing residential and/or commercial property.

One of these features is our SMSF offset facility, a transactional account linked to your SMSF loan. Funds held in the offset account reduce the loan balance on which interest is calculated each day, helping you save on interest while maintaining access to your available funds.

We also provide clear and easy-to-understand loan approvals and offer documents, making it easier to understand your loan and manage your SMSF borrowing obligations.

Through our secure online internet access portal and mobile app, you can conveniently:

  • View account balances and transaction history
  • Access and manage your SMSF Offset Facility
  • Make BPAY® payments
  • Transfer funds and complete online redraws to the Cash Management Account held in the same name as your SMSF loan

To learn more about the SMSF Offset Facility, including its features, eligibility criteria and compliance requirements, download our SMSF Offset Facility Guide.

A leader in SMSF refinancing

Granite offers market-leading SMSF refinancing options, including our SMSF Easy Refinance process, which allows qualifying SMSFs convenient access to a better rate and repayment with Granite via a streamlined application process.

Purchase property through your SMSF

Our SMSF lending solution supports eligible business real property purchases within an SMSF structure. You 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 do not perform ongoing liquidity re-tests, helping simplify ongoing SMSF administration and reduce unnecessary paperwork.

ColCap-Financial_logo_new_for-blue-background

Part of Something Bigger

Granite is part of one of Australia’s largest non-bank lenders, ColCap Financial, which has been challenging the banks to offer better borrower deals since 2006.

With Granite, you’ll be joining a growing tribe of 100,000+ existing customers who’ve had their home ownership and investment ambitions made possible by ColCap Financial.

Castlereagh-street
Key Features
  • Up to 80%
  • Loans up to a maximum of $3,500,000*

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.

  • Offset facility available
  • Payment cycle that suits you with Monthly, Fortnightly or Weekly repayments
  • No ongoing liquidity re-test
  • No ongoing net asset covenant requirement
  • 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 

  • Third party costs – At cost (Third party fees are quoted exclusive of GST and will have GST added. Third party costs reasonably incurred in providing this service may include legal, custodian, mortgage management, land registry and electronic processing fees. These costs may vary and are payable by the applicant(s).) 

  • $395 Lender's annual facility fee

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

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

  • $2,200 Discharge administration 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.

 
SMSF Offset Facility Guide

SMSF Offset Facility Guide

The SMSF Offset Facility Guide details the main features, rules, and compliance requirements of the Granite SMSF offset facility—a transactional sub-account linked to the Granite SMSF home loan. This guide relates an Offset Facility linked a SMSF home loan. It provides guidance about the relevant obligations under the Superannuation Industry (Supervision) Act 1993 (SIS Act) in relation to the Offset Facility.

View SMSF Offset Facility Guide

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