At a glance
- Pricing
- Rates on application
- Max LVR
- 80%
- Annual fee
- $295
- Features
- offset, extra repayments
Fees
7 fees published, grouped by when they're charged.
- When you take it outUp to $4953 fees, each listed below
- While you hold it$295 a yearLender's Annual Facility Fee
- When you close it or pay it off$2,200Discharge Administration Fee
When you take it out3
- Fixed Rate Lock Fee
Optional
$495 - Third Party Costs
At cost. This fee is applicable for SMSF Loans
From $0 - Valuation Fee
At cost for commercial properties.
From $0
While you hold it1
- Lender's Annual Facility Fee
Waived for Owner Occupied variable rate loans ≤ 80% LVR
$295 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
Eligibility and limits
- Minimum age 18
- Residency: 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 ;
- Available to individuals
- Available to businesses
- Amount $50,000 to $3,500,000
- Maximum LVR 80%
- is a trustee of an Australian trust and the trustee meets the eligibility criteria of an individual or company (as above); or
- 12 months of clean credit history;
- No indications of financial deterioration;
- Credit Reports - evidence parties can meet their existing loan commitments
- The maximum loan term is 360 months for Principal & Interest
- The maximum loan term is 60 months for Interest Only
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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.