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Granite Standard Easy Refinance

Granite Standard Easy Refinance

Home loansRates on applicationLender updated 31 Aug 2026

At a glance

Pricing
Rates on application
Max LVR
80%
Annual fee
$295
Features
offset, redraw, extra repayments

Fees

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

  1. When you take it out$300Settlement Fee
  2. While you hold it$295 a yearLender's Annual Facility Fee
  3. When you close it or pay it off$795Discharge Administration Fee

When you take it out1

  • Settlement Fee

    This fee is applicable for Rapid Refinance Loans

    $300

While you hold it1

  • Lender's Annual Facility Fee

    This fee is applicable for Standard Easy Refi Loans. No annual fee for O/O $295 for Investment

    $295 a year

When you close it or pay it off1

  • Discharge Administration Fee

    This fee is applicable for Standard Loans

    $795

Features

Offset accountRedrawExtra repaymentsDigital bankingGoogle Pay or Apple Pay

Eligibility and limits

  • Minimum age 18
  • Residency: Applicants must be permanent or temporary residents (refer to the acceptable Visa list in the policy) of Australia, or Expats (Australian Citizens with overseas residential addresses),
  • Available to individuals
  • Available to businesses
  • Amount $50,000 to $3,500,000
  • Maximum LVR 80%
  • The new interest rate must be lower than your current interest rate.
  • Existing loan must appear on the borrower’s Comprehensive Credit Report (CCR), with the exception of La Trobe as they are not currently a CCR participant.
  • Digital verification of identity (VOI) required, including biometric facial recognition and Document Verification Service (DVS) checks
  • Held the existing home loan for at least 12 months, shows a good payment history and no significant arrears.
  • Each applicant must have a minimum Equifax Apply One comprehensive credit score of 600.
  • There are no signs of financial stress on the credit report.
  • There have been no recent negative changes to your client's financial situation.
  • 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 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.