Granite Standard Construction — Granite Home Loans Pty Ltd | Open Product Compare
Granite Standard Construction
Home LoansNegotiable ratesGranite Home Loans
Granite Standard Construction
Fees
Fee
Type
Amount
Lender's Annual Facility Fee
Charged yearly
Ongoing
$295.00
Fixed Rate Lock Fee
Optional
Upfront
$495.00
Upfront Construction Review Fee
Upfront
$750.00
Progress Payment Inspection Fee
At Cost
Other
From $0.00
Third Party Costs
Referred as Solicitor Doc fee. This fee is applicable for Standard Loans
Upfront
$275.00
Loan Facility Variation Fee
Variation
$450.00
Loan Account Variation Fee
Variation
$250.00
Discharge Administration Fee
This fee is applicable for Standard Loans
Exit
$795.00
Construction Risk Fee
This fee is applicable to loans with an LVR from 93% to 94% for Investment properties
Upfront
5.75% of balance
Features
Offset account
Available
Redraw facility
Yes
Card access — Visa Debit Card - Yes
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
Eligibility
Minimum age — 18 yearsbe at least 18 years of age and above
provide sufficient security in accordance with our lending eligibility criteria, and/or a guarantor
who supports the loan also meets our lending eligibility criteria.
Individuals onlyare individual borrowers (as single or joint borrowers)
Residency status — is either an Australian Citizen or a Permanent Resident of Australia
meets our lending eligibility criteria
Constraints
Minimum limit — $50,000.00"The minimum loan amount for this product is $50,000"
Maximum LVR — 95%The maximum LVR for these products is 95% (including LMI)
Maximum limit — $3,000,000.00This limit is applicable to loans with an LVR from 0% to 70% from Regional areas
Maximum limit — $2,000,000.00This limit is applicable to loans with an LVR from 90% to 95% from Inner-City & Metro/Non-Metro areas
Maximum limit — $3,000,000.00This limit is applicable to loans with an LVR from 80% to 90% from Inner-City & Metro/Non-Metro areas
Maximum limit — $3,500,000.00This limit is applicable to loans with an LVR from 0% to 80% from Inner-City & Metro/Non-Metro areas
Published by Granite Home Loans Pty Ltd under the Consumer Data Right · Last updated 10 July 2026 · Product ID Granite Standard Construction · View Source Data (JSON)
Construction Risk Fee
This fee is applicable to loans with an LVR from 92% to 93% for Investment properties
Upfront
5.5% of balance
Construction Risk Fee
This fee is applicable to loans with an LVR from 89% to 90% for Owner Occupied properties.
Upfront
3.75% of balance
Construction Risk Fee
This fee is applicable to loans with an LVR from 81% to 82% for Owner Occupied properties.
Upfront
1.5% of balance
Construction Risk Fee
This fee is applicable to loans with an LVR from 84% to 85% for Owner Occupied properties.
Upfront
2.5% of balance
Construction Risk Fee
This fee is applicable to loans with an LVR from 86% to 87% for Owner Occupied properties.
Upfront
3% of balance
Construction Risk Fee
This fee is applicable to loans with an LVR from 94% to 95% for Investment properties
Upfront
6% of balance
Construction Risk Fee
This fee is applicable to loans with an LVR from 81% to 82% for Investment properties
Upfront
2.25% of balance
Construction Risk Fee
This fee is applicable to loans with an LVR from 80% to 81% for Investment properties
Upfront
2% of balance
Construction Risk Fee
This fee is applicable to loans with an LVR from 91% to 92% for Investment properties
Upfront
5.25% of balance
Construction Risk Fee
This fee is applicable to loans with an LVR from 89% to 90% for Investment properties
Upfront
4.25% of balance
Construction Risk Fee
This fee is applicable to loans with an LVR from 87% to 88% for Investment properties
Upfront
3.75% of balance
Construction Risk Fee
This fee is applicable to loans with an LVR from 88% to 89% for Investment properties
Upfront
4% of balance
Construction Risk Fee
This fee is applicable to loans with an LVR from 85% to 86% for Investment properties
Upfront
3.25% of balance
Construction Risk Fee
This fee is applicable to loans with an LVR from 83% to 84% for Investment properties
Upfront
2.75% of balance
Construction Risk Fee
This fee is applicable to loans with an LVR from 84% to 85% for Investment properties
Upfront
3% of balance
Construction Risk Fee
This fee is applicable to loans with an LVR from 82% to 83% for Investment properties
Upfront
2.5% of balance
Construction Risk Fee
This fee is applicable to loans with an LVR from 86% to 87% for Investment properties
Upfront
3.5% of balance
Construction Risk Fee
This fee is applicable to loans with an LVR from 90% to 91% for Investment properties
Upfront
4.75% of balance
Construction Risk Fee
This fee is applicable to loans with an LVR from 83% to 84% for Owner Occupied properties.
Upfront
2.25% of balance
Construction Risk Fee
This fee is applicable to loans with an LVR from 85% to 86% for Owner Occupied properties.
Upfront
2.75% of balance
Construction Risk Fee
This fee is applicable to loans with an LVR from 87% to 88% for Owner Occupied properties.
Upfront
3.25% of balance
Construction Risk Fee
This fee is applicable to loans with an LVR from 88% to 89% for Owner Occupied properties.
Upfront
3.5% of balance
Construction Risk Fee
This fee is applicable to loans with an LVR from 90% to 91% for Owner Occupied properties.
Upfront
4.25% of balance
Construction Risk Fee
This fee is applicable to loans with an LVR from 92% to 93% for Owner Occupied properties.
Upfront
5% of balance
Construction Risk Fee
This fee is applicable to loans with an LVR from 91% to 92% for Owner Occupied properties.
Upfront
4.75% of balance
Construction Risk Fee
This fee is applicable to loans with an LVR from 93% to 94% for Owner Occupied properties.
Upfront
5.25% of balance
Construction Risk Fee
This fee is applicable to loans with an LVR from 94% to 95%for Owner Occupied properties.
Upfront
5.5% of balance
Construction Risk Fee
This fee is applicable to loans with an LVR from 82% to 83% for Owner Occupied properties.
Upfront
2% of balance
Construction Risk Fee
This fee is applicable to loans with an LVR from 81% to 82% for Owner Occupied properties.
Upfront
1.75% of balance
Repayment method: Salary credit/Direct debit
Extra repayments
Additional payments: Unlimited for variable rate
Extra repayments
Additional payments: Up to $20,000 p.a. for fixed rate
Maximum limit — $2,000,000.00This limit is applicable to loans with an LVR from 70% to 80% from Regional areas
Maximum limit — $2,000,000.00This limit is applicable to loans with an LVR from 70% to 80% from Regional areas
Maximum limit — $3,000,000.00This limit is applicable to loans with an LVR from 0% to 70% from Regional areas
Maximum limit — $3,500,000.00This limit is applicable to loans with an LVR from 0% to 80% from Inner-City & Metro/Non-Metro areas
Maximum limit — $3,500,000.00The maximum loan amount for this product is $3,500,000
The maximum loan term is 360 months for Principal & Interest
The maximum loan term is 60 months for Interest Only