Home loan rates › Granite Home Loans Pty Ltd
Granite HomePay Construction
Granite Home Loans Pty Ltd
CDR officialNot listed in rate tables
Granite HomePay Construction
Product data
The lender's Consumer Data Right data, as collected by Homepedia. Nothing in this part comes from a channel.Rates
| Rate | Comparison* | Applies to | Conditions | Source | Since |
|---|
*Comparison rates are calculated on a $150,000 secured loan over a term of 25 years. WARNING: This comparison rate is true only for the examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate. Fees and charges are payable.
Source
CDR officialConsumer Data Right product dataShow where this comes from
- Fetched
- 1 Nov 2026
- URL
https://public.cdr.granitehomeloans.com.au/cds-au/v1/banking/products/Granite%20HomePay%20Construction- Content hash
sha256 29830c6bc5dcf68cde70a16c3d0b855ef8e4504dbc8fd94988e79e704e305cd9- Rule version
mapper@0.1.2
Consumer Data Right product dataev_cdr_29830c6bc5dcf68c_06d1ed30Show details
- Checked
- 1 Nov 2026
- URL
https://public.cdr.granitehomeloans.com.au/cds-au/v1/banking/products/Granite%20HomePay%20Construction- Content hash
sha256 29830c6bc5dcf68cde70a16c3d0b855ef8e4504dbc8fd94988e79e704e305cd9- Excerpt
- —
- Rule version
mapper@0.1.2
Page and PDF snapshots are kept by Homepedia; the hash above identifies the exact version we read. Data as at 1 Nov 2026.
Fees
| Fee | Type | Amount |
|---|---|---|
| Construction Risk Fee | Upfront | 5.75% |
| Construction Risk Fee | Upfront | 5.50% |
| Construction Risk Fee | Upfront | 3.75% |
| Construction Risk Fee | Upfront | 1.50% |
| Construction Risk Fee | Upfront | 2.50% |
| Construction Risk Fee | Upfront | 3.00% |
| Construction Risk Fee | Upfront | 6.00% |
| Construction Risk Fee | Upfront | 2.25% |
| Construction Risk Fee | Upfront | 2.00% |
| Construction Risk Fee | Upfront | 5.25% |
| Construction Risk Fee | Upfront | 4.25% |
| Construction Risk Fee | Upfront | 3.75% |
| Construction Risk Fee | Upfront | 4.00% |
| Construction Risk Fee | Upfront | 3.25% |
| Construction Risk Fee | Upfront | 2.75% |
| Construction Risk Fee | Upfront | 3.00% |
| Construction Risk Fee | Upfront | 2.50% |
| Construction Risk Fee | Upfront | 3.50% |
| Construction Risk Fee | Upfront | 4.75% |
| Construction Risk Fee | Upfront | 2.25% |
| Construction Risk Fee | Upfront | 2.75% |
| Construction Risk Fee | Upfront | 3.25% |
| Construction Risk Fee | Upfront | 3.50% |
| Construction Risk Fee | Upfront | 4.25% |
| Construction Risk Fee | Upfront | 5.00% |
| Construction Risk Fee | Upfront | 4.75% |
| Construction Risk Fee | Upfront | 5.25% |
| Construction Risk Fee | Upfront | 5.50% |
| Construction Risk Fee | Upfront | 2.00% |
| Construction Risk Fee | Upfront | 1.75% |
| Lender's Annual Facility Fee | Periodic | $295.00 |
| Fixed Rate Lock Fee | Upfront | $495.00 |
| Discharge Administration Fee | Exit | $795.00 |
| Third Party Costs | Upfront | Set in your letter of offer |
| Upfront Construction Review Fee | Upfront | $750.00 |
| Loan Facility Variation Fee | Variation | $450.00 |
| Loan Account Variation Fee | Variation | $250.00 |
| Progress Payment Inspection Fee | Other | Set in your letter of offer |
Features and eligibility
| Item | Value | Details |
|---|---|---|
| Offset | Available | |
| Redraw | Yes | |
| Card access | Visa Debit Card - Yes | |
| Other | Multiple loan splits - Available | |
| Other | Repayment frequency: Monthly, fortnightly and weekly - during P&I period | |
| Other | Repayment frequency: Monthly - during IO period | |
| Other | Up to 5 years | |
| Other | 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 | |
| Unlimited txns | ||
| Digital wallet | Google Pay or Apple Pay | |
| Digital banking | App or Internet | |
| Eligibility: min age | 18 | be at least 18 years of age and above |
| Eligibility: natural person | are individual borrowers (as single or joint borrowers) | |
| Eligibility: residency status | is either an Australian Citizen or a Permanent Resident of Australia | |
| Eligibility: other | have a build contract with a HomePay accredited builder | |
| Eligibility: other | meet our lending eligibility criteria | |
| Eligibility: other | provide sufficient security in accordance with our lending eligibility criteria | |
| Eligibility: other | guarantor who supports the loan also meets our lending eligibility criteria | |
| Eligibility: other | Only for construction properties | |
| Limit: other | ||
| Limit: other | ||
| Limit: max limit | 3500000.00 | |
| Limit: max limit | 3000000.00 | |
| Limit: max limit | 2000000.00 | |
| Limit: max limit | 3000000.00 | |
| Limit: max limit | 3500000.00 | |
| Limit: max limit | 2000000.00 | |
| Limit: min limit | 50000.00 | |
| Limit: max lvr | 0.95 |
Rate history
No earlier values recorded yet.
Tags
| Tag | Meaning | Effect |
|---|---|---|
quality:no-rates | quality:no-rates | |
purpose:construction | Construction | Left out of the standard home loan table |
no-rates | Reason this product is not ranked | |
Registered channels
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