---
title: "Granite SMSF Commercial Easy Refinance — Granite Home Loans Pty Ltd"
description: "Home Loans from Granite Home Loans Pty Ltd. Rates, fees, features and eligibility as published under Australia's Consumer Data Right."
canonical: https://www.cdrcompare.au/brands/granite-home-loans-pty-ltd/products/Granite%20SMSF%20Commercial%20Easy%20Refinance
source: "CDR Compare"
language: en-AU
last_updated: 2026-08-27T03:17:04.893615Z
---

# Granite SMSF Commercial Easy Refinance — Granite Home Loans Pty Ltd

> Home Loans from Granite Home Loans Pty Ltd. Rates, fees, features and eligibility as published by the provider under Australia's Consumer Data Right, compared on CDR Compare.

**Home Loans · Negotiable rates · Granite Home Loans**

Granite SMSF Commercial Easy Refinance

## Fees

| Fee | Type | Amount |
| --- | --- | --- |
| Lender's Annual Facility Fee  — Charged yearly · Waived for Owner Occupied variable rate loans ≤ 80% LVR | Ongoing | $295.00 |
| Fixed Rate Lock Fee — Optional | Upfront | $495.00 |
| Discharge Administration Fee — This fee is applicable for SMSF Loans | Exit | $2,200.00 |
| Loan Facility Variation Fee | Variation | $450.00 |
| Loan Account Variation Fee | Variation | $250.00 |
| Third Party Costs  — At cost. This fee is applicable for SMSF Loans | Upfront | From $0.00 |
| Valuation Fee — At cost for commercial properties. | Upfront | From $0.00 |

## Features

- **Offset account** (Available)
- **Extra repayments** (Additional payments: Unlimited for variable rate)
- **Extra repayments** (Additional payments: Up to $20,000 p.a. for fixed rate)

## Eligibility

- **Individuals only** (Individual borrower (as a single or joint borrower):)
- **Business customers** (is a company incorporated in Australia;)
- **is a trustee of an Australian trust and the trustee meets the eligibility criteria of an individual or 
company (as above); or**
- **Residency status** — either an Australian Citizen or a Permanent Resident of Australia); or is an Australian partnership and the partners meet the eligibility criteria or individuals,  companies or trusts ; 
- **Minimum age** — 18 years (Customer at least 18 years of age and above)
- **12 months of clean credit history;**
- **No indications of financial
deterioration;**
- **Credit Reports - evidence parties
can meet their existing loan
commitments**

## Constraints

- **Maximum LVR** — 80% (The maximum LVR rate for this Commercial product is 80%)
- **Maximum limit** — $3,000,000.00 (This limit is applicable to loans with an LVR from 0% to 70% from Regional areas)
- **Maximum limit** — $3,500,000.00 (This limit is applicable to loans with an LVR from 0% to 80% from Inner-City & Metro/Non-Metro areas )
- **Maximum limit** — $2,000,000.00 (This limit is applicable to loans with an LVR from 70% to 80% from Regional areas )
- **Minimum limit** — $50,000.00 ("The minimum loan amount for this product is $50,000")
- **Maximum limit** — $3,500,000.00 (The maximum loan amount for this product is $3,500,000)
- **The maximum loan term is 360 months for Principal & Interest **
- **The maximum loan term is 60 months for Interest Only**

## Data provenance

- Published by Granite Home Loans Pty Ltd under the Consumer Data Right
- Product ID: `Granite SMSF Commercial Easy Refinance`
- Last updated by the provider: 27 August 2026
- Source payload (JSON): https://www.cdrcompare.au/api/raw/granite-home-loans-pty-ltd/Granite%20SMSF%20Commercial%20Easy%20Refinance
- Provider page: https://www.cdrcompare.au/brands/granite-home-loans-pty-ltd

---

Source: [CDR Compare](https://www.cdrcompare.au/brands/granite-home-loans-pty-ltd/products/Granite%20SMSF%20Commercial%20Easy%20Refinance) — product data published by Australian data holders under the Consumer Data Right. Not financial advice; no rankings, recommendations or affiliate relationships. Always confirm details with the provider.

Site map: [all providers](https://www.cdrcompare.au/) · [how this works](https://www.cdrcompare.au/about) · [agent guide](https://www.cdrcompare.au/agents.md) · [llms.txt](https://www.cdrcompare.au/llms.txt) · [sitemap.xml](https://www.cdrcompare.au/sitemap.xml)