Granite Standard Easy Refinance

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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

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),
Company & Trusts must have been established for at least 24 months.
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.

Minimum limit — $50,000.00"The minimum loan amount for this product is $50,000"
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

Published by Granite Home Loans Pty Ltd under the Consumer Data Right · Last updated 10 July 2026 · Product ID Granite Standard Easy Refinance