--- title: "Granite Standard Loan — 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%20Loan source: "CDR Compare" language: en-AU last_updated: 2026-07-24T03:14:16.012547Z --- # Granite Standard Loan — 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 Loan ## Fees | Fee | Type | Amount | | --- | --- | --- | | Lenders Protection Fee — This fee is applicable to loans with an LVR from 94% to 95% for Investment properties | Upfront | 5.75% of balance | | Lenders Protection Fee — This fee is applicable to loans with an LVR from 92% to 93% for Investment properties | Upfront | 5.25% of balance | | Lenders Protection Fee — This fee is applicable to loans with an LVR from 83% to 84% for Owner Occupied properties. | Upfront | 2% of balance | | Lenders Protection Fee — This fee is applicable to loans with an LVR from 93% to 94% for Investment properties | Upfront | 5.5% of balance | | Lenders Protection Fee — This fee is applicable to loans with an LVR from 87% to 88% for Owner Occupied properties. | Upfront | 3% of balance | | Lenders Protection Fee — This fee is applicable to loans with an LVR from 86% to 87% for Owner Occupied properties. | Upfront | 2.75% of balance | | Lenders Protection Fee — This fee is applicable to loans with an LVR from 85% to 86% for Owner Occupied properties. | Upfront | 2.5% of balance | | Lenders Protection Fee — This fee is applicable to loans with an LVR from 84% to 85% for Owner Occupied properties. | Upfront | 2.25% of balance | | Lenders Protection Fee — This fee is applicable to loans with an LVR from 82% to 83% for Owner Occupied properties. | Upfront | 1.75% of balance | | Lenders Protection Fee — This fee is applicable to loans with an LVR from 81% to 82% for Owner Occupied properties. | Upfront | 1.5% of balance | | Lenders Protection Fee — This fee is applicable to loans with an LVR from 80% to 81% for Owner Occupied properties. | Upfront | 1.25% of balance | | Lenders Protection Fee — This fee is applicable to loans with an LVR from 94% to 95%for Owner Occupied properties. | Upfront | 5.25% of balance | | Lenders Protection Fee — This fee is applicable to loans with an LVR from 93% to 94% for Owner Occupied properties. | Upfront | 5% of balance | | Lenders Protection Fee — This fee is applicable to loans with an LVR from 92% to 93% for Owner Occupied properties. | Upfront | 4.75% of balance | | Lenders Protection Fee — This fee is applicable to loans with an LVR from 91% to 92% for Owner Occupied properties. | Upfront | 4.5% of balance | | Lenders Protection Fee — This fee is applicable to loans with an LVR from 90% to 91% for Owner Occupied properties. | Upfront | 4% of balance | | Lenders Protection Fee — This fee is applicable to loans with an LVR from 89% to 90% for Owner Occupied properties. | Upfront | 3.5% of balance | | Lenders Protection Fee — This fee is applicable to loans with an LVR from 88% to 89% for Owner Occupied properties. | Upfront | 3.25% of balance | | Lenders Protection Fee — This fee is applicable to loans with an LVR from 87% to 88% for Investment properties | Upfront | 3.5% of balance | | Lenders Protection Fee — This fee is applicable to loans with an LVR from 88% to 89% for Investment properties | Upfront | 3.75% of balance | | Lenders Protection Fee — This fee is applicable to loans with an LVR from 89% to 90% for Investment properties | Upfront | 4% of balance | | Lenders Protection Fee — This fee is applicable to loans with an LVR from 90% to 91% for Investment properties | Upfront | 4.5% of balance | | Lenders Protection Fee — This fee is applicable to loans with an LVR from 91% to 92% for Investment properties | Upfront | 5% of balance | | Lenders Protection Fee — This fee is applicable to loans with an LVR from 84% to 85% for Investment properties | Upfront | 2.75% of balance | | Lenders Protection Fee — This fee is applicable to loans with an LVR from 86% to 87% for Investment properties | Upfront | 3.25% of balance | | Lenders Protection Fee — This fee is applicable to loans with an LVR from 80% to 81% for Investment properties | Upfront | 1.75% of balance | | Lenders Protection Fee — This fee is applicable to loans with an LVR from 81% to 82% for Investment properties | Upfront | 2% of balance | | Lenders Protection Fee — This fee is applicable to loans with an LVR from 82% to 83% for Investment properties | Upfront | 2.25% of balance | | Lenders Protection Fee — This fee is applicable to loans with an LVR from 83% to 84% for Investment properties | Upfront | 2.5% of balance | | Lenders Protection Fee — This fee is applicable to loans with an LVR from 85% to 86% for Investment properties | Upfront | 3% of balance | | Lender's Annual Facility Fee — Charged yearly · Waived for Owner Occupied variable rate loans ≤ 80% LVR | Ongoing | $295.00 | | Fixed Rate Lock Fee — Optional | Upfront | $495.00 | | Discharge Administration Fee — This fee is applicable for Standard Loans | Exit | $795.00 | | Loan Account Variation Fee | Variation | $250.00 | | Loan Facility Variation Fee | Variation | $450.00 | | Third Party Costs — At Cost. This fee is applicable for Standard Loans | Upfront | From $0.00 | ## 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** - **Extra repayments** (Additional payments: Unlimited for variable rate) - **Extra repayments** (Additional payments: Up to $20,000 p.a. for fixed rate) ## Eligibility - **Minimum age** — 18 years (be 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 only** (are 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 - **The maximum loan term is 360 months for Principal & Interest ** - **The maximum loan term is 60 months for Interest Only** - **Maximum limit** — $3,500,000.00 (The maximum loan amount for this product is $3,500,000) - **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** — $3,000,000.00 (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 LVR** — 95% (The maximum LVR for these products is 95% (including LMI)) - **Minimum limit** — $50,000.00 ("The minimum loan amount for this product is $50,000") ## Data provenance - Published by Granite Home Loans Pty Ltd under the Consumer Data Right - Product ID: `Granite Standard Loan` - Last updated by the provider: 24 July 2026 - Source payload (JSON): https://www.cdrcompare.au/api/raw/granite-home-loans-pty-ltd/Granite%20Standard%20Loan - 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%20Loan) — product data published by Australian data holders under the Consumer Data Right. 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