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We’re all about home ownership and we understand deposits in rising markets mixed with high establishment costs stop a lot of eager eligible home owners. We’re not interested in tying up friends and family’s home with guarantor loans. We also understand not all borrowers are the same.


For our Essential Worker lender paid LMI loan, we only need $5,000 genunine savings and only one borrower meets the essential worker criteria. We want to give back to those that give to the community, so Essential workers and their households can benefit from having the LMI paid for by Granite.

Your rate will start off higher, and we'll reduce it as you pay the loan down.

If you are interested in learning more about our professional products, please reach out to your preferred local or online broker.

Don't have a broker? You can find one by clicking the following link. 

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Owner Occupied

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Lender Paid LMI

Accelerated Payments

No Income Requirements

No Property Threshold

No Parental Assistance Needed

A Repayment Schedule that suits you with Weekly, Fortnightly or Monthly Repayments

Fast and Accessible Internet Banking System


These products are specifically designed for University educated professionals with solid income and good job stability. Applicants must be an Australian Citizen, New Zealand Citizen or Select Permanent Residents, be employed in the same professional industry for three years and have a clear credit history.

We are currently accepting those who specialise in the following fields:

  • Medical & Allied Health

  • Legal Services

  • Accounting, Advisors & Auditors

  • Engineers

  • IT (Industry certifications allowed in lieu of University degree)


  • Nil Application Fee

  • No Annual Fees

  • Lender Paid LMI

  • No Risk Fees

  • Valuation payable - at cost

  • Lenders Legals $550 plus disbursements

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