Interest
6.29%p.a.
Comparison*
Not available
Est. repayment
$3,092
LVR ≤60%
Granite Home Loans Home Loan Rates
Tracked products
318
Lowest variable
6.29%
Lowest fixed (interest-only)
7.34%
Lowest comparison
7.21%
Last updated
12 Sept 2026
Granite Home Loans is one of the Australian home-loan lenders we track daily. We currently surface 318 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?
Granite Home Loans home loan rates are in the live table on this page, ranked by comparison rate, with the lowest variable rate currently 6.29% p.a. and the lowest fixed rate currently 7.34% p.a., checked daily (last verified 12 Sept 2026). 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.
What is the lowest Granite Home Loans home loan rate?
The lowest Granite Home Loans variable home loan rate Ratesniffers tracks is 6.29% p.a., and the lowest fixed rate is 7.34% p.a. These figures come from the 60 Granite Home Loans products on this page that pass data-quality checks, ranked by comparison rate, checked daily (last verified 12 Sept 2026).
How many home loan products does Granite Home Loans offer?
Ratesniffers currently tracks 318 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 | 6.29% p.a. | 60% |
| Variable Owner-occupier P&I | 6.29% p.a. | 70% |
| Variable Owner-occupier P&I | 6.29% p.a. | 70% |
| Variable Owner-occupier P&I | 6.39% p.a. | 80% |
| Variable Owner-occupier P&I | 6.39% p.a. | 80% |
| Variable Owner-occupier interest-only | 6.69% p.a. | 60% |
| Variable Owner-occupier interest-only | 6.69% p.a. | 70% |
| Variable Owner-occupier interest-only | 6.69% p.a. | 70% |
| Variable Owner-occupier interest-only | 6.79% p.a. | 80% |
| Variable Owner-occupier interest-only | 6.79% p.a. | 80% |
| Variable Owner-occupier P&I | 6.95% p.a. | 90% |
| Variable Owner-occupier P&I | 6.95% p.a. | 90% |
60 of 318 tracked Granite Home Loans home loan products
Interest
6.29%p.a.
Comparison*
Not available
Est. repayment
$3,092
LVR ≤70%
Interest
6.29%p.a.
Comparison*
Not available
Est. repayment
$3,092
LVR ≤70%
Interest
6.39%p.a.
Comparison*
Not available
Est. repayment
$3,124
LVR ≤80%
Interest
6.39%p.a.
Comparison*
Not available
Est. repayment
$3,124
LVR ≤80%
Interest
6.69%p.a.
Comparison*
Not available
Est. repayment
$3,223
LVR ≤60%
Interest
6.69%p.a.
Comparison*
Not available
Est. repayment
$3,223
LVR ≤70%
Interest
6.69%p.a.
Comparison*
Not available
Est. repayment
$3,223
LVR ≤70%
Interest
6.79%p.a.
Comparison*
Not available
Est. repayment
$3,256
LVR ≤80%
Interest
6.79%p.a.
Comparison*
Not available
Est. repayment
$3,256
LVR ≤80%
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
6.99%p.a.
Comparison*
Not available
Est. repayment
$3,323
LVR ≤60%
Interest
6.99%p.a.
Comparison*
Not available
Est. repayment
$3,323
LVR ≤70%
Interest
6.99%p.a.
Comparison*
Not available
Est. repayment
$3,323
LVR ≤70%
Interest
7.04%p.a.
Comparison*
Not available
Est. repayment
$3,340
LVR ≤85%
Interest
7.09%p.a.
Comparison*
Not available
Est. repayment
$3,357
LVR ≤80%
Interest
7.09%p.a.
Comparison*
Not available
Est. repayment
$3,357
LVR ≤80%
Interest
6.94%p.a.
Comparison*
7.21%p.a.
Est. repayment
$3,306
LVR ≤85%
Interest
7.29%p.a.
Comparison*
Not available
Est. repayment
$3,424
LVR ≤90%
Interest
7.29%p.a.
Comparison*
Not available
Est. repayment
$3,424
LVR ≤90%
Interest
7.30%p.a.
Comparison*
Not available
Est. repayment
$3,428
LVR ≤70%
Interest
7.30%p.a.
Comparison*
Not available
Est. repayment
$3,428
LVR ≤70%
Interest
7.34%p.a.
Comparison*
Not available
Est. repayment
$3,441
LVR ≤85%
Interest
7.34%p.a.
Comparison*
Not available
Est. repayment
$3,441
LVR ≤85%
Interest
7.34%p.a.
Comparison*
Not available
Est. repayment
$3,441
LVR ≤60%
Interest
7.34%p.a.
Comparison*
Not available
Est. repayment
$3,441
LVR ≤70%
Interest
7.34%p.a.
Comparison*
Not available
Est. repayment
$3,441
LVR ≤60%
Interest
7.34%p.a.
Comparison*
Not available
Est. repayment
$3,441
LVR ≤70%
Interest
7.34%p.a.
Comparison*
Not available
Est. repayment
$3,441
LVR ≤60%
Interest
7.34%p.a.
Comparison*
Not available
Est. repayment
$3,441
LVR ≤70%
Interest
7.40%p.a.
Comparison*
Not available
Est. repayment
$3,462
LVR ≤75%
Interest
7.40%p.a.
Comparison*
Not available
Est. repayment
$3,462
LVR ≤75%
Interest
7.40%p.a.
Comparison*
Not available
Est. repayment
$3,462
LVR ≤80%
Interest
7.40%p.a.
Comparison*
Not available
Est. repayment
$3,462
LVR ≤80%
Interest
7.44%p.a.
Comparison*
Not available
Est. repayment
$3,476
LVR ≤80%
Interest
7.44%p.a.
Comparison*
Not available
Est. repayment
$3,476
LVR ≤80%
Interest
7.44%p.a.
Comparison*
Not available
Est. repayment
$3,476
LVR ≤80%
Interest
7.44%p.a.
Comparison*
Not available
Est. repayment
$3,476
LVR ≤60%
Interest
7.44%p.a.
Comparison*
Not available
Est. repayment
$3,476
LVR ≤70%
Interest
7.44%p.a.
Comparison*
Not available
Est. repayment
$3,476
LVR ≤60%
Interest
7.44%p.a.
Comparison*
Not available
Est. repayment
$3,476
LVR ≤70%
Interest
7.45%p.a.
Comparison*
Not available
Est. repayment
$3,479
LVR ≤95%
Interest
7.54%p.a.
Comparison*
Not available
Est. repayment
$3,510
LVR ≤80%
Interest
7.54%p.a.
Comparison*
Not available
Est. repayment
$3,510
LVR ≤80%
Interest
7.59%p.a.
Comparison*
Not available
Est. repayment
$3,527
LVR ≤90%
Interest
7.59%p.a.
Comparison*
Not available
Est. repayment
$3,527
LVR ≤90%
Interest
7.64%p.a.
Comparison*
Not available
Est. repayment
$3,544
LVR ≤60%
Interest
7.64%p.a.
Comparison*
Not available
Est. repayment
$3,544
LVR ≤70%
Interest
7.64%p.a.
Comparison*
Not available
Est. repayment
$3,544
LVR ≤60%
Interest
7.64%p.a.
Comparison*
Not available
Est. repayment
$3,544
LVR ≤70%
Interest
7.64%p.a.
Comparison*
Not available
Est. repayment
$3,544
LVR ≤60%
Interest
7.64%p.a.
Comparison*
Not available
Est. repayment
$3,544
LVR ≤70%
Interest
7.65%p.a.
Comparison*
Not available
Est. repayment
$3,548
LVR ≤85%
Interest
7.65%p.a.
Comparison*
Not available
Est. repayment
$3,548
LVR ≤85%
Interest
7.69%p.a.
Comparison*
Not available
Est. repayment
$3,561
LVR ≤95%
Interest
7.74%p.a.
Comparison*
Not available
Est. repayment
$3,579
LVR ≤80%
Interest
7.74%p.a.
Comparison*
Not available
Est. repayment
$3,579
LVR ≤80%
Interest
7.74%p.a.
Comparison*
Not available
Est. repayment
$3,579
LVR ≤80%
*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
Pre-filled with Granite Home Loans's lowest advertised variable rate in the table above, 6.29% p.a. Change the loan amount, rate or term to model your own mortgage. Repayments are principal and interest estimates and exclude fees, so the comparison rate in the table is the better guide to total cost.
The amount you want to borrow.
Granite Home Loans's lowest variable today: 6.29%.
Most owner-occupier loans run 25 to 30 years.
Monthly repayment
$3,092
Fortnightly repayment
$1,427
Total interest
$612,978
30 years at 6.29% (P&I)
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 4 Sept 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?
Granite Home Loans home loan rates are in the live table on this page. The lowest variable rate Ratesniffers ranks is currently 6.29% p.a., and the lowest fixed rate is 7.34% p.a., checked daily (last verified 12 Sept 2026). Compare Granite Home Loans against the wider market at /home-loans. The /guides/comparison-rate explains the fee-inclusive figure used to rank the table. To model extra payments on a Granite Home Loans balance, use /calculators/extra-repayment.
What is the lowest Granite Home Loans home loan rate?
Granite Home Loans's lowest variable home loan rate is currently 6.29% p.a., and its lowest fixed rate is 7.34% p.a., based on the 60 Granite Home Loans products Ratesniffers ranks by comparison rate, checked daily (last verified 12 Sept 2026). The advertised rate isn't always the rate Granite Home Loans approves, a broker can often negotiate a sharper deal on your scenario.
What is the monthly repayment on a $600,000 Granite Home Loans home loan?
At Granite Home Loans's lowest variable rate of 6.29% p.a., a $600,000 principal and interest loan over 30 years repays about $3,710 a month, and $500,000 about $3,092. That is an estimate at the advertised rate before fees; the comparison rate in the table above carries the fees, and a fixed or interest-only loan repays differently.
How much do you need to earn for a $500,000 Granite Home Loans home loan?
There is no single salary. Like every Australian lender, Granite Home Loans must assess a new home loan at a rate at least 3 percentage points above the loan's rate under APRA's serviceability buffer, so 6.29% p.a. is assessed at about 9.29% p.a., then test that repayment against income after living expenses and other debts. The income required calculator at /calculators/income-required works this backwards from a property price and deposit.
How does Granite Home Loans's home loan rate compare to the market?
Granite Home Loans's lowest variable home loan rate today is 6.29% p.a., which is 5 basis points above the market median of 6.24% p.a., so there are sharper variable rates available elsewhere today, and it's worth comparing or asking Granite Home Loans to match a lower rate. This is computed daily from the live rates across the lenders Ratesniffers tracks, so it reflects where Granite Home Loans sits right now rather than a fixed snapshot.
How many home loan products does Granite Home Loans offer?
Ratesniffers currently tracks 318 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?
It depends on your loan size and LVR. Granite Home Loans's lowest comparison rate is currently 7.21% p.a., worth checking against the wider market before you switch. On a $500,000 loan, even a 0.30% p.a. difference is about $100 a month, so comparing Granite Home Loans against the sharpest available rate usually pays off.
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 12 Sept 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.