Interest
6.44%p.a.
Comparison*
Not available
Est. repayment
$3,141
LVR ≤60%
Granite Home Loans Home Loan Rates
Tracked products
289
Variable product example
—
Check the product rates and conditions in the table. A verified example for this loan scenario is unavailable.
Fixed product example
—
Check the product rates and conditions in the table. A verified example for this loan scenario is unavailable.
Example comparison rate
—
Check the product rates and conditions in the table. A verified example for this loan scenario is unavailable.
Last updated
1 November 2026
Granite Home Loans is one of the Australian home-loan lenders we track daily. We currently surface 289 active products from Granite Home Loans, refreshed from authoritative lender sources. The product table below sorts by comparison rate by default, the true-cost metric mandated by the National Consumer Credit Protection Act 2009, so you can see total cost, including standard fees, at a glance.
What are Granite Home Loans home loan rates?
Ratesniffers compares Granite Home Loans home loan products by comparison rate. Compare Granite Home Loans's product rates and conditions in the table. A verified example for this loan scenario is unavailable. Compare Granite Home Loans against the wider market on home loan rates, check the comparison rate used to rank the table, or model extra payments with the extra repayments calculator.
How many home loan products does Granite Home Loans offer?
Ratesniffers currently tracks 289 Granite Home Loans home loan products across variable, fixed and interest-only options for owner-occupiers and investors, and ranks the 60 that pass our data-quality checks on this page. Every rate is ranked by comparison rate, the ASIC-mandated figure that folds in most fees, so the genuinely cheapest products sit at the top.
Granite Home Loans home loan rates at a glance
| Product type | Rate | Max LVR |
|---|---|---|
| Variable Owner-occupier P&I | 6.44% p.a. | 60% |
| Variable Owner-occupier P&I | 6.44% p.a. | 70% |
| Variable Owner-occupier P&I | 6.44% p.a. | 70% |
| Variable Owner-occupier P&I | 6.54% p.a. | 80% |
| Variable Owner-occupier P&I | 6.54% p.a. | 80% |
| Variable Owner-occupier interest-only | 6.64% p.a. | 60% |
| Variable Owner-occupier interest-only | 6.64% p.a. | 70% |
| Variable Owner-occupier interest-only | 6.64% p.a. | 70% |
| Variable Owner-occupier interest-only | 6.74% p.a. | 80% |
| Variable Owner-occupier interest-only | 6.74% p.a. | 80% |
| Variable Investor interest-only | 6.84% p.a. | 60% |
| Variable Investor interest-only | 6.84% p.a. | 70% |
60 of 289 tracked Granite Home Loans home loan products
Interest
6.44%p.a.
Comparison*
Not available
Est. repayment
$3,141
LVR ≤70%
Interest
6.44%p.a.
Comparison*
Not available
Est. repayment
$3,141
LVR ≤70%
Interest
6.54%p.a.
Comparison*
Not available
Est. repayment
$3,174
LVR ≤80%
Interest
6.54%p.a.
Comparison*
Not available
Est. repayment
$3,174
LVR ≤80%
Interest
6.64%p.a.
Comparison*
Not available
Est. interest only / month
$2,767
LVR ≤60%
Based on a $500,000 balance
Average monthly interest assuming that balance and rate stay unchanged, excluding fees and offsets. Amounts can vary by month because lenders may calculate interest daily; later repayments may differ.
Interest
6.64%p.a.
Comparison*
Not available
Est. interest only / month
$2,767
LVR ≤70%
Based on a $500,000 balance
Average monthly interest assuming that balance and rate stay unchanged, excluding fees and offsets. Amounts can vary by month because lenders may calculate interest daily; later repayments may differ.
Interest
6.64%p.a.
Comparison*
Not available
Est. interest only / month
$2,767
LVR ≤70%
Based on a $500,000 balance
Average monthly interest assuming that balance and rate stay unchanged, excluding fees and offsets. Amounts can vary by month because lenders may calculate interest daily; later repayments may differ.
Interest
6.74%p.a.
Comparison*
Not available
Est. interest only / month
$2,808
LVR ≤80%
Based on a $500,000 balance
Average monthly interest assuming that balance and rate stay unchanged, excluding fees and offsets. Amounts can vary by month because lenders may calculate interest daily; later repayments may differ.
Interest
6.74%p.a.
Comparison*
Not available
Est. interest only / month
$2,808
LVR ≤80%
Based on a $500,000 balance
Average monthly interest assuming that balance and rate stay unchanged, excluding fees and offsets. Amounts can vary by month because lenders may calculate interest daily; later repayments may differ.
Interest
6.84%p.a.
Comparison*
Not available
Est. interest only / month
$2,850
LVR ≤60%
Based on a $500,000 balance
Average monthly interest assuming that balance and rate stay unchanged, excluding fees and offsets. Amounts can vary by month because lenders may calculate interest daily; later repayments may differ.
Interest
6.84%p.a.
Comparison*
Not available
Est. interest only / month
$2,850
LVR ≤70%
Based on a $500,000 balance
Average monthly interest assuming that balance and rate stay unchanged, excluding fees and offsets. Amounts can vary by month because lenders may calculate interest daily; later repayments may differ.
Interest
6.84%p.a.
Comparison*
Not available
Est. interest only / month
$2,850
LVR ≤90%
Based on a $500,000 balance
Average monthly interest assuming that balance and rate stay unchanged, excluding fees and offsets. Amounts can vary by month because lenders may calculate interest daily; later repayments may differ.
Interest
6.84%p.a.
Comparison*
Not available
Est. interest only / month
$2,850
LVR ≤70%
Based on a $500,000 balance
Average monthly interest assuming that balance and rate stay unchanged, excluding fees and offsets. Amounts can vary by month because lenders may calculate interest daily; later repayments may differ.
Interest
6.84%p.a.
Comparison*
Not available
Est. interest only / month
$2,850
LVR ≤85%
Based on a $500,000 balance
Average monthly interest assuming that balance and rate stay unchanged, excluding fees and offsets. Amounts can vary by month because lenders may calculate interest daily; later repayments may differ.
Interest
6.64%p.a.
Comparison*
6.91%p.a.
Est. repayment
$3,207
LVR ≤60%
Interest
6.64%p.a.
Comparison*
6.91%p.a.
Est. repayment
$3,207
LVR ≤70%
Interest
6.64%p.a.
Comparison*
6.91%p.a.
Est. repayment
$3,207
LVR ≤90%
Interest
6.94%p.a.
Comparison*
Not available
Est. interest only / month
$2,892
LVR ≤80%
Based on a $500,000 balance
Average monthly interest assuming that balance and rate stay unchanged, excluding fees and offsets. Amounts can vary by month because lenders may calculate interest daily; later repayments may differ.
Interest
6.94%p.a.
Comparison*
Not available
Est. interest only / month
$2,892
LVR ≤95%
Based on a $500,000 balance
Average monthly interest assuming that balance and rate stay unchanged, excluding fees and offsets. Amounts can vary by month because lenders may calculate interest daily; later repayments may differ.
Interest
6.94%p.a.
Comparison*
Not available
Est. interest only / month
$2,892
LVR ≤80%
Based on a $500,000 balance
Average monthly interest assuming that balance and rate stay unchanged, excluding fees and offsets. Amounts can vary by month because lenders may calculate interest daily; later repayments may differ.
Interest
6.95%p.a.
Comparison*
Not available
Est. repayment
$3,310
LVR ≤90%
Interest
6.95%p.a.
Comparison*
Not available
Est. repayment
$3,310
LVR ≤90%
Interest
6.95%p.a.
Comparison*
Not available
Est. repayment
$3,310
LVR ≤85%
Interest
6.64%p.a.
Comparison*
7.00%p.a.
Est. repayment
$3,207
LVR ≤70%
Interest
6.64%p.a.
Comparison*
7.00%p.a.
Est. repayment
$3,207
LVR ≤85%
Interest
6.74%p.a.
Comparison*
7.01%p.a.
Est. repayment
$3,240
LVR ≤80%
Interest
6.74%p.a.
Comparison*
7.01%p.a.
Est. repayment
$3,240
LVR ≤95%
Interest
7.04%p.a.
Comparison*
Not available
Est. interest only / month
$2,933
LVR ≤90%
Based on a $500,000 balance
Average monthly interest assuming that balance and rate stay unchanged, excluding fees and offsets. Amounts can vary by month because lenders may calculate interest daily; later repayments may differ.
Interest
7.04%p.a.
Comparison*
Not available
Est. interest only / month
$2,933
LVR ≤85%
Based on a $500,000 balance
Average monthly interest assuming that balance and rate stay unchanged, excluding fees and offsets. Amounts can vary by month because lenders may calculate interest daily; later repayments may differ.
Interest
7.04%p.a.
Comparison*
Not available
Est. interest only / month
$2,933
LVR ≤90%
Based on a $500,000 balance
Average monthly interest assuming that balance and rate stay unchanged, excluding fees and offsets. Amounts can vary by month because lenders may calculate interest daily; later repayments may differ.
Interest
7.04%p.a.
Comparison*
Not available
Est. interest only / month
$2,933
LVR ≤90%
Based on a $500,000 balance
Average monthly interest assuming that balance and rate stay unchanged, excluding fees and offsets. Amounts can vary by month because lenders may calculate interest daily; later repayments may differ.
Interest
6.74%p.a.
Comparison*
7.10%p.a.
Est. repayment
$3,240
LVR ≤80%
Interest
6.74%p.a.
Comparison*
7.10%p.a.
Est. repayment
$3,240
LVR ≤95%
Interest
6.84%p.a.
Comparison*
7.11%p.a.
Est. repayment
$3,273
LVR ≤90%
Interest
6.84%p.a.
Comparison*
7.20%p.a.
Est. repayment
$3,273
LVR ≤85%
Interest
6.84%p.a.
Comparison*
7.20%p.a.
Est. repayment
$3,273
LVR ≤90%
Interest
6.84%p.a.
Comparison*
7.20%p.a.
Est. repayment
$3,273
LVR ≤90%
Interest
6.94%p.a.
Comparison*
7.21%p.a.
Est. repayment
$3,306
LVR ≤95%
Interest
6.94%p.a.
Comparison*
7.21%p.a.
Est. repayment
$3,306
LVR ≤85%
Interest
6.94%p.a.
Comparison*
7.30%p.a.
Est. repayment
$3,306
LVR ≤95%
Interest
7.34%p.a.
Comparison*
Not available
Est. interest only / month
$3,058
LVR ≤85%
Based on a $500,000 balance
Average monthly interest assuming that balance and rate stay unchanged, excluding fees and offsets. Amounts can vary by month because lenders may calculate interest daily; later repayments may differ.
Interest
7.45%p.a.
Comparison*
Not available
Est. repayment
$3,479
LVR ≤95%
Interest
7.25%p.a.
Comparison*
7.51%p.a.
Est. repayment
$3,411
LVR ≤85%
Interest
7.55%p.a.
Comparison*
Not available
Est. interest only / month
$3,146
LVR ≤70%
Based on a $500,000 balance
Average monthly interest assuming that balance and rate stay unchanged, excluding fees and offsets. Amounts can vary by month because lenders may calculate interest daily; later repayments may differ.
Interest
7.55%p.a.
Comparison*
Not available
Est. interest only / month
$3,146
LVR ≤70%
Based on a $500,000 balance
Average monthly interest assuming that balance and rate stay unchanged, excluding fees and offsets. Amounts can vary by month because lenders may calculate interest daily; later repayments may differ.
Interest
7.15%p.a.
Comparison*
7.59%p.a.
Est. repayment
$3,377
LVR ≤70%
Interest
7.15%p.a.
Comparison*
7.59%p.a.
Est. repayment
$3,377
LVR ≤70%
Interest
7.65%p.a.
Comparison*
Not available
Est. interest only / month
$3,188
LVR ≤75%
Based on a $500,000 balance
Average monthly interest assuming that balance and rate stay unchanged, excluding fees and offsets. Amounts can vary by month because lenders may calculate interest daily; later repayments may differ.
Interest
7.65%p.a.
Comparison*
Not available
Est. interest only / month
$3,188
LVR ≤75%
Based on a $500,000 balance
Average monthly interest assuming that balance and rate stay unchanged, excluding fees and offsets. Amounts can vary by month because lenders may calculate interest daily; later repayments may differ.
Interest
7.65%p.a.
Comparison*
Not available
Est. interest only / month
$3,188
LVR ≤80%
Based on a $500,000 balance
Average monthly interest assuming that balance and rate stay unchanged, excluding fees and offsets. Amounts can vary by month because lenders may calculate interest daily; later repayments may differ.
Interest
7.65%p.a.
Comparison*
Not available
Est. interest only / month
$3,188
LVR ≤80%
Based on a $500,000 balance
Average monthly interest assuming that balance and rate stay unchanged, excluding fees and offsets. Amounts can vary by month because lenders may calculate interest daily; later repayments may differ.
Interest
7.25%p.a.
Comparison*
7.69%p.a.
Est. repayment
$3,411
LVR ≤75%
Interest
7.25%p.a.
Comparison*
7.69%p.a.
Est. repayment
$3,411
LVR ≤75%
Interest
7.25%p.a.
Comparison*
7.69%p.a.
Est. repayment
$3,411
LVR ≤80%
Interest
7.25%p.a.
Comparison*
7.69%p.a.
Est. repayment
$3,411
LVR ≤80%
Interest
7.74%p.a.
Comparison*
6.85%p.a.
Est. repayment
$3,579
LVR ≤60%
Interest
7.74%p.a.
Comparison*
6.85%p.a.
Est. repayment
$3,579
LVR ≤70%
Interest
7.74%p.a.
Comparison*
6.97%p.a.
Est. repayment
$3,579
LVR ≤60%
Interest
7.74%p.a.
Comparison*
6.97%p.a.
Est. repayment
$3,579
LVR ≤70%
*Important Information and Comparison Rate Warning
WARNING: This comparison rate applies only to the example or examples given. Different amounts and terms will result in different comparison rates. Costs such as redraw fees or early repayment fees, and cost savings such as fee waivers, are not included in the comparison rate but may influence the cost of the loan. The comparison rate displayed is based on a loan of $150,000 over a term of 25 years.
The information provided on this site is general in nature and does not take into account your objectives, financial situation or needs. Before acting on any information, consider whether it is appropriate for you and read the relevant Credit Guide and lender disclosures.
Granite Home Loans home loan repayment calculator
Enter an interest rate from your actual offer or choose a rate to model. The starting 0% input is a placeholder, not a Granite Home Loans quote. Change the loan amount, rate or term to model your own mortgage. Repayments are principal and interest estimates, assume the entered rate remains unchanged, and exclude fees. Changes to these inputs do not establish product eligibility or approval.
The amount you want to borrow.
Use the interest rate, not the comparison rate. Change it to model an actual offer or your own scenario.
Use the term in your offer or choose the number of years to model.
Monthly repayment
—
Fortnightly repayment
—
Total interest
—
For a fuller model, use the repayment calculator, see how extra payments change the balance with the extra repayments calculator, or check what you can borrow with the borrowing power calculator.
Who is Granite Home Loans?
Granite Home Loans is an Australian non-bank lender established in 2018 and part of the ColCap Financial Group, which reports more than $21.8 billion in assets under management across Australia and the United Kingdom. Granite lends under Australian Credit Licence 516104 and does not take applications direct from the public.
Its range is built around the applications major banks tend to template out. Granite funds self-managed super funds to 90% for residential property and 80% for commercial, corporate trustees only, and non-resident and expatriate applicants to 90%. It also runs a lender-paid mortgage insurance range: to 95% for degree-qualified professionals in legal, medical, health, engineering, IT and management roles, to 90% for police, firefighters, nurses, paramedics and primary and secondary school teachers, and to 85% for general owner-occupier and investor applications. Granite gates the 95% and 90% tiers to owner-occupied purchases of established category 1 and 2 properties, with clean credit and a credit score above 600.
Who suits a Granite Home Loans home loan?
Granite tends to suit borrowers whose application needs a non-bank assessment rather than a sharper headline rate: self-managed super fund trustees buying or refinancing, non-residents and expatriates, and professionals or essential workers with a small deposit who want the lender to carry the mortgage insurance cost. Its pricing is set for those niches rather than for standard owner-occupier lending, so compare it against the rates in the table above before assuming it is the cheaper path.
Background facts checked 3 September 2026. Rates above refresh independently.
Granite Home Loans fees, offset and limits at a glance
- Discharge fee
- $535
- Settlement fee
- $0
- Additional valuation fee
- $251.35
- Rate lock fee
- $395
- Loan portability
- $300
- Offset account
- 100%
- Minimum offset balance
- No Limit
- Lenders mortgage insurer
- Helia
- Capitalising LMI
- LMI can be capitalised up to 95% inclusive
- Maximum total lending
- $2.5m
- Extra repayments on fixed
- Max $20k p.a. before break costs apply
- When the fixed rate is locked
- Approval
Checked 8 Oct 2026. Lender fees and policy change without notice, so confirm the detail with the lender before you apply.
Granite Home Loans home loans: frequently asked questions
What are Granite Home Loans home loan rates?
Ratesniffers compares Granite Home Loans home loan products by comparison rate. Compare Granite Home Loans's product rates and conditions in the table. A verified example for this loan scenario is unavailable. Compare Granite Home Loans at /home-loans. The /guides/comparison-rate explains the fee-inclusive figure used to rank the table. To model extra payments, use /calculators/extra-repayment.
How much do you need to earn for a $500,000 Granite Home Loans home loan?
There is no single salary requirement for a Granite Home Loans home loan. The lender assesses income, expenses, debts and repayment capacity. APRA's residential mortgage framework generally requires governed authorised deposit-taking institutions to apply a minimum 3 percentage point buffer above the payable interest rate, ignoring temporary introductory discounts, with prudent limited policy exceptions. This does not establish Granite Home Loans's actual assessment rate or approval criteria. Confirm the applicable lender policy and use /calculators/income-required for an illustrative estimate, not approval.
How does Granite Home Loans's home loan rate compare to the market?
Compare Granite Home Loans's product conditions and comparison rates with /home-loans. The available table does not establish a whole-market ranking or a personalised offer.
How many home loan products does Granite Home Loans offer?
Ratesniffers currently tracks 289 Granite Home Loans home loan products across variable, fixed and interest-only options for owner-occupiers and investors, and ranks the 60 that pass our data-quality checks on this page. Every rate is checked daily against each lender's current published pricing and ranked by comparison rate, the ASIC-mandated figure that folds in most fees, so the genuinely cheapest loans sit at the top.
Is Granite Home Loans competitive for refinancing?
Compare Granite Home Loans's available product conditions and total costs with your existing loan. A listed rate does not establish refinance eligibility. Allow for discharge, establishment and any fixed-loan early repayment costs, and confirm applicable lender terms before switching. Compare the table with /home-loans/refinance.
How often are Granite Home Loans's home loan rates updated?
Ratesniffers refreshes Granite Home Loans's home loan rates daily; this page was last updated 1 November 2026. Rates can change whenever Granite Home Loans reprices or the RBA moves the cash rate, so the figures shown reflect the most recent data we hold rather than a static snapshot.