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SMSF Lending

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Granite Home Loans won the Best SMSF Lender at the Australian Wealth Management Awards 2024

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.

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Making SMSF lending simple

Our SMSF Loans are written and used like a normal home loan. What do we mean by that?


We have a simple to complete application form, easy to understand approval letters and offers, and most importantly - easy to use internet account access to check your balances, and access your 100% offset account to park extra fund cash you may have.

Our services set us apart

Some customers prefer Granite for our "Good old fashioned service". Your SMSF loan is managed by a team based in Sydney, Australia. You have direct access to us via email, or phone and will generally speak to the same managers every time you call.

We get to know you and your overall situation so we can tailor our services just for you.

Say goodbye to crazy 40 minute call centre wait times.

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  • Indicative offers within 48 hours

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

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

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

  • Available for Purchase or Refinance

  • Park extra cash with 100% Offset available

  • Access to your Offset money when you need it, with Free online transfer to your bank SMSF Cash Management Account

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

  • Greater Flexibility with Direct Debit and Direct Credit Facilities

  • No Net Asset or Liquidity test

  • Personal serviceability outside the fund not required

* Interest Rate and Loan Amounts based on LVR.

  • 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)


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


Key Features

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 can be issued within 48 hours and 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

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