At a glance
- Pricing
- Rates on application
- Max LVR
- 95%
- Annual fee
- $295
- Features
- offset, redraw, extra repayments
Fees
38 fees published, grouped by when they're charged.
- When you take it outUp to $75033 fees, each listed below
- While you hold it$295 a yearLender's Annual Facility Fee
- When you close it or pay it off$795Discharge Administration Fee
When you take it out33
- Construction Risk Fee
This fee is applicable to loans with an LVR from 93% to 94% for Investment properties
5.75% of balance - Construction Risk Fee
This fee is applicable to loans with an LVR from 92% to 93% for Investment properties
5.50% of balance - Construction Risk Fee
This fee is applicable to loans with an LVR from 89% to 90% for Owner Occupied properties.
3.75% of balance - Construction Risk Fee
This fee is applicable to loans with an LVR from 81% to 82% for Owner Occupied properties.
1.50% of balance - Construction Risk Fee
This fee is applicable to loans with an LVR from 84% to 85% for Owner Occupied properties.
2.50% of balance - Construction Risk Fee
This fee is applicable to loans with an LVR from 86% to 87% for Owner Occupied properties.
3.00% of balance - Construction Risk Fee
This fee is applicable to loans with an LVR from 94% to 95% for Investment properties
6.00% of balance - Construction Risk Fee
This fee is applicable to loans with an LVR from 81% to 82% for Investment properties
2.25% of balance - Construction Risk Fee
This fee is applicable to loans with an LVR from 80% to 81% for Investment properties
2.00% of balance - Construction Risk Fee
This fee is applicable to loans with an LVR from 91% to 92% for Investment properties
5.25% of balance - Construction Risk Fee
This fee is applicable to loans with an LVR from 89% to 90% for Investment properties
4.25% of balance - Construction Risk Fee
This fee is applicable to loans with an LVR from 87% to 88% for Investment properties
3.75% of balance - Construction Risk Fee
This fee is applicable to loans with an LVR from 88% to 89% for Investment properties
4.00% of balance - Construction Risk Fee
This fee is applicable to loans with an LVR from 85% to 86% for Investment properties
3.25% of balance - Construction Risk Fee
This fee is applicable to loans with an LVR from 83% to 84% for Investment properties
2.75% of balance - Construction Risk Fee
This fee is applicable to loans with an LVR from 84% to 85% for Investment properties
3.00% of balance - Construction Risk Fee
This fee is applicable to loans with an LVR from 82% to 83% for Investment properties
2.50% of balance - Construction Risk Fee
This fee is applicable to loans with an LVR from 86% to 87% for Investment properties
3.50% of balance - Construction Risk Fee
This fee is applicable to loans with an LVR from 90% to 91% for Investment properties
4.75% of balance - Construction Risk Fee
This fee is applicable to loans with an LVR from 83% to 84% for Owner Occupied properties.
2.25% of balance - Construction Risk Fee
This fee is applicable to loans with an LVR from 85% to 86% for Owner Occupied properties.
2.75% of balance - Construction Risk Fee
This fee is applicable to loans with an LVR from 87% to 88% for Owner Occupied properties.
3.25% of balance - Construction Risk Fee
This fee is applicable to loans with an LVR from 88% to 89% for Owner Occupied properties.
3.50% of balance - Construction Risk Fee
This fee is applicable to loans with an LVR from 90% to 91% for Owner Occupied properties.
4.25% of balance - Construction Risk Fee
This fee is applicable to loans with an LVR from 92% to 93% for Owner Occupied properties.
5.00% of balance - Construction Risk Fee
This fee is applicable to loans with an LVR from 91% to 92% for Owner Occupied properties.
4.75% of balance - Construction Risk Fee
This fee is applicable to loans with an LVR from 93% to 94% for Owner Occupied properties.
5.25% of balance - Construction Risk Fee
This fee is applicable to loans with an LVR from 94% to 95%for Owner Occupied properties.
5.50% of balance - Construction Risk Fee
This fee is applicable to loans with an LVR from 82% to 83% for Owner Occupied properties.
2.00% of balance - Construction Risk Fee
This fee is applicable to loans with an LVR from 81% to 82% for Owner Occupied properties.
1.75% of balance - Fixed Rate Lock Fee
Optional
$495 - Third Party Costs
At Cost. This fee is applicable for Standard Loans
From $0 - Upfront Construction Review Fee$750
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 Standard Loans
$795
Other fees1
- Progress Payment Inspection Fee
At Cost
From $0
Features
- Multiple loan splits - Available
- Repayment frequency: Monthly, fortnightly and weekly - during P&I period
- Repayment frequency: Monthly - during IO period
- Up to 5 years
- transactions via internet, phone, BPay, debit card, ATM
- Repayment method: Salary credit/Direct debit
Eligibility and limits
- Minimum age 18
- Residency: is either an Australian Citizen or a Permanent Resident of Australia
- Available to individuals
- Amount $50,000 to $3,500,000
- Maximum LVR 95%
- provide sufficient security in accordance with our lending eligibility criteria, and/or a guarantor who supports the loan also meets our lending eligibility criteria.
- 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
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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.