---
title: "Granite Standard Easy Refinance — Granite Home Loans Pty Ltd"
description: "Home Loans from Granite Home Loans Pty Ltd. Rates, fees, features and eligibility as published under Australia's Consumer Data Right."
canonical: https://www.cdrcompare.au/brands/granite-home-loans-pty-ltd/products/Granite%20Standard%20Easy%20Refinance
source: "CDR Compare"
language: en-AU
last_updated: 2026-08-27T03:29:28.619429Z
---

# Granite Standard Easy Refinance — Granite Home Loans Pty Ltd

> Home Loans from Granite Home Loans Pty Ltd. Rates, fees, features and eligibility as published by the provider under Australia's Consumer Data Right, compared on CDR Compare.

**Home Loans · Negotiable rates · Granite Home Loans**

Granite Standard Easy Refinance

## Fees

| Fee | Type | Amount |
| --- | --- | --- |
| Lender's Annual Facility Fee — Charged yearly · This fee is applicable for Standard Easy Refi Loans. No annual fee for O/O $295 for Investment | Ongoing | $295.00 |
| Settlement Fee — This fee is applicable for Rapid Refinance Loans | Upfront | $300.00 |
| Discharge Administration Fee — This fee is applicable for Standard Loans | Exit | $795.00 |

## Features

- **Offset account** (Available)
- **Redraw facility** (Yes)
- **Extra repayments** (Additional payments: Unlimited for variable rate)
- **Extra repayments** (Additional payments: Up to $20,000 p.a. for fixed rate)

## Eligibility

- **Individuals only**
- **Minimum age** — 18 years (at least 18 years of age and above)
- **Business customers** (Company & Trusts must have been established for at least 24 months.)
- **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**
- **Residency status** — 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),
- **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.**

## Constraints

- **Minimum limit** — $50,000.00 ("The minimum loan amount for this product is $50,000")
- **Maximum limit** — $3,000,000.00 (This limit is applicable to loans with an LVR from 0% to 70% from Regional areas)
- **Maximum limit** — $2,000,000.00 (This limit is applicable to loans with an LVR from 90% to 95% from Inner-City & Metro/Non-Metro areas)
- **Maximum limit** — $3,000,000.00 (This limit is applicable to loans with an LVR from 80% to 90% from Inner-City & Metro/Non-Metro areas)
- **Maximum limit** — $3,500,000.00 (This limit is applicable to loans with an LVR from 0% to 80% from Inner-City & Metro/Non-Metro areas)
- **Maximum limit** — $2,000,000.00 (This limit is applicable to loans with an LVR from 70% to 80% from Regional areas)
- **Maximum limit** — $2,000,000.00 (This limit is applicable to loans with an LVR from 70% to 80% from Regional areas )
- **Maximum limit** — $3,000,000.00 (This limit is applicable to loans with an LVR from 0% to 70% from Regional areas)
- **Maximum limit** — $3,500,000.00 (This limit is applicable to loans with an LVR from 0% to 80% from Inner-City & Metro/Non-Metro areas)
- **Maximum limit** — $3,500,000.00 (The 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**
- **Maximum LVR** — 80% (The maximum LVR for this product is 80%)

## Data provenance

- Published by Granite Home Loans Pty Ltd under the Consumer Data Right
- Product ID: `Granite Standard Easy Refinance`
- Last updated by the provider: 27 August 2026
- Source payload (JSON): https://www.cdrcompare.au/api/raw/granite-home-loans-pty-ltd/Granite%20Standard%20Easy%20Refinance
- Provider page: https://www.cdrcompare.au/brands/granite-home-loans-pty-ltd

---

Source: [CDR Compare](https://www.cdrcompare.au/brands/granite-home-loans-pty-ltd/products/Granite%20Standard%20Easy%20Refinance) — product data published by Australian data holders under the Consumer Data Right. Not financial advice; no rankings, recommendations or affiliate relationships. Always confirm details with the provider.

Site map: [all providers](https://www.cdrcompare.au/) · [how this works](https://www.cdrcompare.au/about) · [agent guide](https://www.cdrcompare.au/agents.md) · [llms.txt](https://www.cdrcompare.au/llms.txt) · [sitemap.xml](https://www.cdrcompare.au/sitemap.xml)