{
  "source": "https://prd.pm.productdata.au/ab16739a-b0d6-4368-865e-330b355388aa/adapter/cds-au/v1/banking/products/Granite%20SMSF%20Loan",
  "note": "Product Reference Data published by the data holder under the Consumer Data Right, as cached by this site (refreshed every 6 hours).",
  "data": {
    "brand": "Granite Home Loans",
    "description": "Granite SMSF Loan",
    "isTailored": true,
    "lastUpdated": "2026-07-09T13:01:27.00539Z",
    "name": "Granite SMSF Loan",
    "productCategory": "RESIDENTIAL_MORTGAGES",
    "productId": "Granite SMSF Loan",
    "additionalInformation": {
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      "termsUri": null,
      "eligibilityUri": null,
      "feesAndPricingUri": null,
      "bundleUri": null,
      "additionalOverviewUris": [],
      "additionalTermsUris": [],
      "additionalEligibilityUris": [],
      "additionalFeesAndPricingUris": [],
      "additionalBundleUris": []
    },
    "applicationUri": null,
    "brandName": "Granite Home Loans",
    "brandGroup": null,
    "cardArt": [],
    "effectiveFrom": null,
    "effectiveTo": null,
    "bundles": [],
    "constraints": [
      {
        "constraintType": "MIN_LIMIT",
        "additionalInfo": "\"The minimum loan amount for this product is $50,000\"",
        "additionalInfoUri": null,
        "additionalValue": "50000.00"
      },
      {
        "constraintType": "MAX_LIMIT",
        "additionalInfo": "This limit is applicable to loans with an LVR from 0% to 70% from Regional areas",
        "additionalInfoUri": null,
        "additionalValue": "3000000.00"
      },
      {
        "constraintType": "MAX_LIMIT",
        "additionalInfo": "This limit is applicable to loans with an LVR from 0% to 80% from Inner-City & Metro/Non-Metro areas ",
        "additionalInfoUri": null,
        "additionalValue": "3500000.00"
      },
      {
        "constraintType": "MAX_LIMIT",
        "additionalInfo": "This limit is applicable to loans with an LVR from 70% to 80% from Regional areas ",
        "additionalInfoUri": null,
        "additionalValue": "2000000.00"
      },
      {
        "constraintType": "MAX_LIMIT",
        "additionalInfo": "This limit is applicable to loans with an LVR from 70% to 80% from Regional areas ",
        "additionalInfoUri": null,
        "additionalValue": "2000000.00"
      },
      {
        "constraintType": "MAX_LIMIT",
        "additionalInfo": "This limit is applicable to loans with an LVR from 0% to 70% from Regional areas ",
        "additionalInfoUri": null,
        "additionalValue": "3000000.00"
      },
      {
        "constraintType": "MAX_LIMIT",
        "additionalInfo": "This limit is applicable to loans with an LVR from 0% to 80% from Inner-City & Metro/Non-Metro areas",
        "additionalInfoUri": null,
        "additionalValue": "3500000.00"
      },
      {
        "constraintType": "MAX_LIMIT",
        "additionalInfo": "This limit is applicable to loans with an LVR from 80% to 90% from Inner-City & Metro/Non-Metro areas",
        "additionalInfoUri": null,
        "additionalValue": "3000000.00"
      },
      {
        "constraintType": "MAX_LVR",
        "additionalInfo": "The maximum LVR rate for this Commercial product is 80%",
        "additionalInfoUri": null,
        "additionalValue": "0.80"
      },
      {
        "constraintType": "MAX_LVR",
        "additionalInfo": "The maximum LVR rate for this Residential product is 90%",
        "additionalInfoUri": null,
        "additionalValue": "0.90"
      },
      {
        "constraintType": "OTHER",
        "additionalInfo": "The maximum loan term is 360 months for Principal & Interest ",
        "additionalInfoUri": null,
        "additionalValue": null
      },
      {
        "constraintType": "OTHER",
        "additionalInfo": "The maximum loan term is 60 months for Interest Only",
        "additionalInfoUri": null,
        "additionalValue": null
      },
      {
        "constraintType": "MAX_LIMIT",
        "additionalInfo": "The maximum loan amount for this product is $3,500,000",
        "additionalInfoUri": null,
        "additionalValue": "3500000.00"
      }
    ],
    "depositRates": [],
    "eligibility": [
      {
        "eligibilityType": "RESIDENCY_STATUS",
        "additionalInfo": null,
        "additionalInfoUri": null,
        "additionalValue": "the members and directors of the SMSF are an Australian Citizen or a Permanent Resident of Australia"
      },
      {
        "eligibilityType": "OTHER",
        "additionalInfo": "the SMSF has a Corporate Trustee",
        "additionalInfoUri": null,
        "additionalValue": null
      },
      {
        "eligibilityType": "OTHER",
        "additionalInfo": "must hold a beneficial interest in the security property",
        "additionalInfoUri": null,
        "additionalValue": null
      },
      {
        "eligibilityType": "OTHER",
        "additionalInfo": "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 1993",
        "additionalInfoUri": null,
        "additionalValue": null
      },
      {
        "eligibilityType": "OTHER",
        "additionalInfo": "must hold the legal interest in the security property on trust for the SMSF",
        "additionalInfoUri": null,
        "additionalValue": null
      },
      {
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        "additionalInfo": "meets our lending eligibility criteria",
        "additionalInfoUri": null,
        "additionalValue": null
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      {
        "eligibilityType": "OTHER",
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        "additionalInfoUri": null,
        "additionalValue": null
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    "features": [
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        "featureType": "OTHER",
        "additionalInfo": "Repayment frequency:  Monthly, fortnightly and weekly - during P&I period",
        "additionalInfoUri": null,
        "additionalValue": null
      },
      {
        "featureType": "OTHER",
        "additionalInfo": "Repayment frequency: Monthly - during IO period",
        "additionalInfoUri": null,
        "additionalValue": null
      },
      {
        "featureType": "OFFSET",
        "additionalInfo": "Available",
        "additionalInfoUri": null,
        "additionalValue": null
      },
      {
        "featureType": "EXTRA_REPAYMENTS",
        "additionalInfo": "Additional payments: Unlimited for variable rate",
        "additionalInfoUri": null,
        "additionalValue": null
      },
      {
        "featureType": "EXTRA_REPAYMENTS",
        "additionalInfo": "Additional payments: Up to $20,000 p.a. for fixed rate",
        "additionalInfoUri": null,
        "additionalValue": null
      },
      {
        "featureType": "OTHER",
        "additionalInfo": "transactions via internet, phone, BPay, debit card, ATM",
        "additionalInfoUri": null,
        "additionalValue": null
      },
      {
        "featureType": "OTHER",
        "additionalInfo": "Repayment method: Salary credit/Direct debit",
        "additionalInfoUri": null,
        "additionalValue": null
      }
    ],
    "fees": [
      {
        "feeType": "UPFRONT",
        "name": "Third Party Costs ",
        "additionalInfo": "Referred as Solicitor Doc fee. This fee is applicable for SMSF Loans",
        "additionalInfoUri": null,
        "additionalValue": null,
        "currency": "AUD",
        "discounts": [],
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
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        "variable": null,
        "feeCap": null,
        "feeCapPeriod": null
      },
      {
        "feeType": "EXIT",
        "name": "Discharge Administration Fee",
        "additionalInfo": "This fee is applicable for SMSF Loans",
        "additionalInfoUri": null,
        "additionalValue": null,
        "currency": "AUD",
        "discounts": [],
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "2200.00"
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        "rateBased": null,
        "variable": null,
        "feeCap": null,
        "feeCapPeriod": null
      },
      {
        "feeType": "PERIODIC",
        "name": "Lender's Annual Facility Fee ",
        "additionalInfo": null,
        "additionalInfoUri": null,
        "additionalValue": "P1Y",
        "currency": "AUD",
        "discounts": [],
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "295.00"
        },
        "rateBased": null,
        "variable": null,
        "feeCap": null,
        "feeCapPeriod": null
      },
      {
        "feeType": "UPFRONT",
        "name": " Fixed Rate Lock Fee",
        "additionalInfo": "Optional",
        "additionalInfoUri": null,
        "additionalValue": null,
        "currency": "AUD",
        "discounts": [],
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "495.00"
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        "rateBased": null,
        "variable": null,
        "feeCap": null,
        "feeCapPeriod": null
      },
      {
        "feeType": "VARIATION",
        "name": " Loan Account Variation Fee",
        "additionalInfo": null,
        "additionalInfoUri": null,
        "additionalValue": null,
        "currency": "AUD",
        "discounts": [],
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "250.00"
        },
        "rateBased": null,
        "variable": null,
        "feeCap": null,
        "feeCapPeriod": null
      },
      {
        "feeType": "VARIATION",
        "name": " Loan Facility Variation Fee",
        "additionalInfo": null,
        "additionalInfoUri": null,
        "additionalValue": null,
        "currency": "AUD",
        "discounts": [],
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "450.00"
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        "rateBased": null,
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        "feeCap": null,
        "feeCapPeriod": null
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      {
        "feeType": "UPFRONT",
        "name": "Lenders Protection Fee",
        "additionalInfo": "This fee is applicable to loans with an LVR from 94% to 95% for Investment properties",
        "additionalInfoUri": null,
        "additionalValue": null,
        "currency": "AUD",
        "discounts": [],
        "feeMethodUType": "rateBased",
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        "name": "Lenders Protection Fee",
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        "additionalValue": null,
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        "discounts": [],
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      {
        "feeType": "UPFRONT",
        "name": "Lenders Protection Fee",
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        "name": "Lenders Protection Fee",
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        "additionalInfoUri": null,
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        "name": "Lenders Protection Fee",
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        "name": "Lenders Protection Fee",
        "additionalInfo": "This fee is applicable to loans with an LVR from 89% to 90% for Owner Occupied properties.",
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        "feeType": "UPFRONT",
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        "name": "Lenders Protection Fee",
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      },
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        "name": "Lenders Protection Fee",
        "additionalInfo": "This fee is applicable to loans with an LVR from 91% to 92% for Investment properties",
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      {
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        "name": "Lenders Protection Fee",
        "additionalInfo": "This fee is applicable to loans with an LVR from 84% to 85% for Investment properties",
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        "name": "Lenders Protection Fee",
        "additionalInfo": "This fee is applicable to loans with an LVR from 86% to 87% for Investment properties",
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      {
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        "name": "Lenders Protection Fee",
        "additionalInfo": "This fee is applicable to loans with an LVR from 80% to 81% for Investment properties",
        "additionalInfoUri": null,
        "additionalValue": null,
        "currency": "AUD",
        "discounts": [],
        "feeMethodUType": "rateBased",
        "fixedAmount": null,
        "rateBased": {
          "rateType": "BALANCE",
          "rate": "0.0175",
          "accrualFrequency": null,
          "amountRange": null
        },
        "variable": null,
        "feeCap": null,
        "feeCapPeriod": null
      },
      {
        "feeType": "UPFRONT",
        "name": "Lenders Protection Fee",
        "additionalInfo": "This fee is applicable to loans with an LVR from 81% to 82% for Investment properties",
        "additionalInfoUri": null,
        "additionalValue": null,
        "currency": "AUD",
        "discounts": [],
        "feeMethodUType": "rateBased",
        "fixedAmount": null,
        "rateBased": {
          "rateType": "BALANCE",
          "rate": "0.02",
          "accrualFrequency": null,
          "amountRange": null
        },
        "variable": null,
        "feeCap": null,
        "feeCapPeriod": null
      },
      {
        "feeType": "UPFRONT",
        "name": "Lenders Protection Fee",
        "additionalInfo": "This fee is applicable to loans with an LVR from 82% to 83% for Investment properties",
        "additionalInfoUri": null,
        "additionalValue": null,
        "currency": "AUD",
        "discounts": [],
        "feeMethodUType": "rateBased",
        "fixedAmount": null,
        "rateBased": {
          "rateType": "BALANCE",
          "rate": "0.0225",
          "accrualFrequency": null,
          "amountRange": null
        },
        "variable": null,
        "feeCap": null,
        "feeCapPeriod": null
      },
      {
        "feeType": "UPFRONT",
        "name": "Lenders Protection Fee",
        "additionalInfo": "This fee is applicable to loans with an LVR from 83% to 84% for Investment properties",
        "additionalInfoUri": null,
        "additionalValue": null,
        "currency": "AUD",
        "discounts": [],
        "feeMethodUType": "rateBased",
        "fixedAmount": null,
        "rateBased": {
          "rateType": "BALANCE",
          "rate": "0.025",
          "accrualFrequency": null,
          "amountRange": null
        },
        "variable": null,
        "feeCap": null,
        "feeCapPeriod": null
      },
      {
        "feeType": "UPFRONT",
        "name": "Lenders Protection Fee",
        "additionalInfo": "This fee is applicable to loans with an LVR from 85% to 86% for Investment properties",
        "additionalInfoUri": null,
        "additionalValue": null,
        "currency": "AUD",
        "discounts": [],
        "feeMethodUType": "rateBased",
        "fixedAmount": null,
        "rateBased": {
          "rateType": "BALANCE",
          "rate": "0.03",
          "accrualFrequency": null,
          "amountRange": null
        },
        "variable": null,
        "feeCap": null,
        "feeCapPeriod": null
      }
    ],
    "lendingRates": [],
    "instalments": null
  }
}