{
  "source": "https://prd.pm.productdata.au/ab16739a-b0d6-4368-865e-330b355388aa/adapter/cds-au/v1/banking/products/Granite%20Non-Resident%20Loan",
  "note": "Product Reference Data published by the data holder under the Consumer Data Right, as cached by this site (refreshed every 6 hours).",
  "data": {
    "brand": "Granite Home Loans",
    "description": "Granite Non-Resident Loan",
    "isTailored": true,
    "lastUpdated": "2026-07-10T06:19:12.090496Z",
    "name": "Granite Non-Resident Loan",
    "productCategory": "RESIDENTIAL_MORTGAGES",
    "productId": "Granite Non-Resident Loan",
    "additionalInformation": {
      "overviewUri": null,
      "termsUri": null,
      "eligibilityUri": null,
      "feesAndPricingUri": null,
      "bundleUri": null,
      "additionalOverviewUris": [],
      "additionalTermsUris": [],
      "additionalEligibilityUris": [],
      "additionalFeesAndPricingUris": [],
      "additionalBundleUris": []
    },
    "applicationUri": null,
    "brandName": "Granite Home Loans",
    "brandGroup": null,
    "cardArt": [],
    "effectiveFrom": null,
    "effectiveTo": null,
    "bundles": [],
    "constraints": [
      {
        "constraintType": "MAX_LIMIT",
        "additionalInfo": null,
        "additionalInfoUri": null,
        "additionalValue": "3000000.00"
      },
      {
        "constraintType": "MAX_LVR",
        "additionalInfo": null,
        "additionalInfoUri": null,
        "additionalValue": "0.90"
      },
      {
        "constraintType": "OTHER",
        "additionalInfo": "The maximum loan term is 360 months for Principal & Interest ",
        "additionalInfoUri": null,
        "additionalValue": null
      },
      {
        "constraintType": "OTHER",
        "additionalInfo": "The maximum loan term is 60 months for Interest Only",
        "additionalInfoUri": null,
        "additionalValue": null
      }
    ],
    "depositRates": [],
    "eligibility": [
      {
        "eligibilityType": "OTHER",
        "additionalInfo": "the residential address of the borrower is limited to our \"Acceptable Countries\" list in \naccordance with our lending policy.  ",
        "additionalInfoUri": null,
        "additionalValue": null
      },
      {
        "eligibilityType": "OTHER",
        "additionalInfo": "meets our lending eligibility criteria",
        "additionalInfoUri": null,
        "additionalValue": null
      },
      {
        "eligibilityType": "MIN_AGE",
        "additionalInfo": "at least 18 years of age and above",
        "additionalInfoUri": null,
        "additionalValue": "18"
      },
      {
        "eligibilityType": "NATURAL_PERSON",
        "additionalInfo": "are individual borrowers (as single or joint borrowers);",
        "additionalInfoUri": null,
        "additionalValue": null
      },
      {
        "eligibilityType": "OTHER",
        "additionalInfo": "Borrower is approved from foreign investment review board (FIRB);",
        "additionalInfoUri": null,
        "additionalValue": null
      },
      {
        "eligibilityType": "EMPLOYMENT_STATUS",
        "additionalInfo": null,
        "additionalInfoUri": null,
        "additionalValue": "Borrower is on foreign income as salary and wage earners (employees) or self-employed to  cover Australian Debt Obligations;"
      },
      {
        "eligibilityType": "OTHER",
        "additionalInfo": "guarantor who supports the loan also meets our lending eligibility criteria.",
        "additionalInfoUri": null,
        "additionalValue": null
      },
      {
        "eligibilityType": "OTHER",
        "additionalInfo": "provide sufficient security in accordance with our lending eligibility criteria; ",
        "additionalInfoUri": null,
        "additionalValue": null
      },
      {
        "eligibilityType": "RESIDENCY_STATUS",
        "additionalInfo": "Australia, Brazil, Brunei, Canada, China, France, Germany, Hong Kong, India, Indonesia, Japan, Macau, Malaysia, Mexico, New Zealand, Philippines, Qatar, Saudi Arabia, Singapore, South Africa, South Korea, Switzerland, Taiwan, United Kingdom (England, Scotland, Wales, Northern Ireland), United Arab Emirates, United States of America, Vietnam, and any other European Commission countries not specified. (this list is subject to change)",
        "additionalInfoUri": null,
        "additionalValue": "Non-Resident, Australian Citizens and acceptable VISA holders"
      },
      {
        "eligibilityType": "OTHER",
        "additionalInfo": "Clear credit history",
        "additionalInfoUri": null,
        "additionalValue": null
      }
    ],
    "features": [
      {
        "featureType": "UNLIMITED_TXNS",
        "additionalInfo": "Internet and Phone Banking (free unlimited transactions)",
        "additionalInfoUri": null,
        "additionalValue": null
      },
      {
        "featureType": "OFFSET",
        "additionalInfo": "Available",
        "additionalInfoUri": null,
        "additionalValue": null
      },
      {
        "featureType": "OTHER",
        "additionalInfo": "Multiple loan splits - Available",
        "additionalInfoUri": null,
        "additionalValue": null
      },
      {
        "featureType": "REDRAW",
        "additionalInfo": "Yes",
        "additionalInfoUri": null,
        "additionalValue": null
      },
      {
        "featureType": "OTHER",
        "additionalInfo": "Repayment frequency:  Monthly, fortnightly and weekly - during P&I period",
        "additionalInfoUri": null,
        "additionalValue": null
      },
      {
        "featureType": "OTHER",
        "additionalInfo": "Repayment frequency: Monthly - during IO period",
        "additionalInfoUri": null,
        "additionalValue": null
      }
    ],
    "fees": [
      {
        "feeType": "UPFRONT",
        "name": "Valuation fee",
        "additionalInfo": "This fee is applicable for Non-Residents. For Residential Loans",
        "additionalInfoUri": null,
        "additionalValue": null,
        "currency": "AUD",
        "discounts": [],
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "275.00"
        },
        "rateBased": null,
        "variable": null,
        "feeCap": null,
        "feeCapPeriod": null
      },
      {
        "feeType": "PERIODIC",
        "name": " Lender's Annual Facility Fee",
        "additionalInfo": "This fee is applicable for Non-Residents. ",
        "additionalInfoUri": null,
        "additionalValue": "P1Y",
        "currency": "AUD",
        "discounts": [],
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "499.00"
        },
        "rateBased": null,
        "variable": null,
        "feeCap": null,
        "feeCapPeriod": null
      },
      {
        "feeType": "UPFRONT",
        "name": "Loan Settlement Fee",
        "additionalInfo": "This fee is applicable for Non-Residents",
        "additionalInfoUri": null,
        "additionalValue": null,
        "currency": "AUD",
        "discounts": [],
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "550.00"
        },
        "rateBased": null,
        "variable": null,
        "feeCap": null,
        "feeCapPeriod": null
      },
      {
        "feeType": "UPFRONT",
        "name": "Third Party Costs",
        "additionalInfo": "Referred as Lender Legal Fee. This fee is applicable for Non-Residents",
        "additionalInfoUri": null,
        "additionalValue": null,
        "currency": "AUD",
        "discounts": [],
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "300.00"
        },
        "rateBased": null,
        "variable": null,
        "feeCap": null,
        "feeCapPeriod": null
      }
    ],
    "lendingRates": [],
    "instalments": null
  }
}