The Finance Algorithm
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Granite Non-Resident Loan

Granite Non-Resident Loan

Home loansRates on applicationLender updated 27 Aug 2026

At a glance

Pricing
Rates on application
Max LVR
90%
Annual fee
$499
Features
offset, redraw

Fees

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

  1. When you take it outUp to $5503 fees, each listed below
  2. While you hold it$499 a yearLender's Annual Facility Fee
  3. When you close it or pay it offNo fee published

When you take it out3

  • Loan Settlement Fee

    This fee is applicable for Non-Residents

    $550
  • Third Party Costs

    Referred as Lender Legal Fee. This fee is applicable for Non-Residents

    $300
  • Valuation fee

    This fee is applicable for Non-Residents. For Residential Loans

    $275

While you hold it1

  • Lender's Annual Facility Fee

    This fee is applicable for Non-Residents.

    $499 a year

Features

Offset accountRedrawUnlimited transactions
  • 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: Non-Resident, Australian Citizens and acceptable VISA holders
  • Employment: Borrower is on foreign income as salary and wage earners (employees) or self-employed to cover Australian Debt Obligations;
  • Available to individuals
  • Amount up to $3,000,000
  • Maximum LVR 90%
  • the residential address of the borrower is limited to our "Acceptable Countries" list in accordance with our lending policy.
  • meets our lending eligibility criteria
  • Borrower is approved from foreign investment review board (FIRB);
  • guarantor who supports the loan also meets our lending eligibility criteria.
  • provide sufficient security in accordance with our lending eligibility criteria;
  • Clear credit history
  • 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 27 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.