The Finance Algorithm
Granite Home Loans logoGranite Home Loans

Granite SMSF Easy Refinance

Granite SMSF Easy Refinance

Home loansRates on applicationLender updated 31 Aug 2026

At a glance

Pricing
Rates on application
Max LVR
90%
Annual fee
$395
Features
offset, extra repayments

Fees

5 fees published, grouped by when they're charged.

  1. When you take it outFrom $0Valuation Fee
  2. While you hold it$395 a yearLender's Annual Facility Fee
  3. When you close it or pay it off$2,200Discharge Administration Fee

When you take it out1

  • Valuation Fee

    At cost for commercial properties.

    From $0

While you hold it1

  • Lender's Annual Facility Fee
    $395 a year

When particular things happen2

  • Loan Account Variation Fee
    $250
  • Loan Facility Variation Fee
    $450

When you close it or pay it off1

  • Discharge Administration Fee

    This fee is applicable for SMSF Loans

    $2,200

Features

Offset accountExtra repaymentsDigital banking
  • Multiple loan splits - Available
  • Repayment frequency: Monthly, fortnightly and weekly - during P&I period
  • Repayment frequency: Monthly - during IO period

Eligibility and limits

  • Minimum age 18
  • Residency: the members and directors of the SMSF are an Australian Citizen or a Permanent Resident of Australia
  • Available to businesses
  • Amount $50,000 to $3,500,000
  • Maximum LVR 90%
  • must hold a beneficial interest in the security property
  • must meet all relevant legislative and associated regulation requirements to acquire the property & borrow from the Property Trustee in accordance with the Superannuation Industry (Supervision) Act 1…
  • must hold the legal interest in the security property on trust for the SMSF
  • meets our lending eligibility criteria
  • provide sufficient security in accordance with our lending eligibility criteria; and/or a guarantor who supports the loan also meets our lending eligibility criteria.
  • The maximum loan term is 360 months for Principal & Interest
  • The maximum loan term is 60 months for Interest Only

Published by Granite Home Loans Pty Ltd under the Consumer Data Right, last changed by them on 31 Aug 2026. Figures are shown as the institution publishes them and can change without notice; confirm on their site before applying. The Finance Algorithm earns nothing from any product listed here.