Granite Home Loans · Fixed · Updated November 2026

Granite Home Loans Fixed Home Loan Rates, November 2026

Granite Home Loans lists 24 fixed home loans in the Ratesniffers index today. The lowest is 7.74% p.a. (comparison rate 6.85% p.a.) on a 1-year fixed term, on 1 Year Fixed Standard Owner Occupied <$3.5m <60% LVR P&I. Rates differ by LVR tier and repayment type, so compare the comparison rate on each row below.

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Granite Home Loans fixed home loan rates, November 2026

Lowest Granite Home Loans fixed rate by term: 1-year 7.74% p.a. (comparison 6.85%), 2-year 7.74% p.a. (comparison 6.97%), 3-year 7.74% p.a. (comparison 7.09%), 4-year 7.74% p.a. (comparison 7.20%), 5-year 7.74% p.a. (comparison 7.30%).

Granite Home Loans1 Year Fixed Standard Owner Occupied <$3.5m <60% LVR P&I

1y FixedRedraw

Interest

7.74%p.a.

Comparison*

6.85%p.a.

Est. repayment

$3,579

LVR ≤60%

Enquire

Granite Home Loans1 Year Fixed Standard Owner Occupied <$3.5m <70% LVR P&I

1y FixedRedraw

Interest

7.74%p.a.

Comparison*

6.85%p.a.

Est. repayment

$3,579

LVR ≤70%

Enquire

Granite Home Loans2 Year Fixed Standard Owner Occupied <$3.5m <60% LVR P&I

2y FixedRedraw

Interest

7.74%p.a.

Comparison*

6.97%p.a.

Est. repayment

$3,579

LVR ≤60%

Enquire

Granite Home Loans2 Year Fixed Standard Owner Occupied <$3.5m <70% LVR P&I

2y FixedRedraw

Interest

7.74%p.a.

Comparison*

6.97%p.a.

Est. repayment

$3,579

LVR ≤70%

Enquire

Granite Home Loans3 Year Fixed Standard Owner Occupied <$3.5m <60% LVR P&I

3y FixedRedraw

Interest

7.74%p.a.

Comparison*

7.09%p.a.

Est. repayment

$3,579

LVR ≤60%

Enquire

Granite Home Loans3 Year Fixed Standard Owner Occupied <$3.5m <70% LVR P&I

3y FixedRedraw

Interest

7.74%p.a.

Comparison*

7.09%p.a.

Est. repayment

$3,579

LVR ≤70%

Enquire

Granite Home Loans4 Year Fixed Standard Owner Occupied <$3.5m <60% LVR P&I

4y FixedRedraw

Interest

7.74%p.a.

Comparison*

7.20%p.a.

Est. repayment

$3,579

LVR ≤60%

Enquire

Granite Home Loans4 Year Fixed Standard Owner Occupied <$3.5m <70% LVR P&I

4y FixedRedraw

Interest

7.74%p.a.

Comparison*

7.20%p.a.

Est. repayment

$3,579

LVR ≤70%

Enquire

Granite Home Loans5 Year Fixed Standard Owner Occupied <$3.5m <60% LVR P&I

5y FixedRedraw

Interest

7.74%p.a.

Comparison*

7.30%p.a.

Est. repayment

$3,579

LVR ≤60%

Enquire

Granite Home Loans5 Year Fixed Standard Owner Occupied <$3.5m <70% LVR P&I

5y FixedRedraw

Interest

7.74%p.a.

Comparison*

7.30%p.a.

Est. repayment

$3,579

LVR ≤70%

Enquire

Granite Home Loans1 Year Fixed Standard Owner Occupied <$3.5m <80% LVR P&I

1y FixedRedraw

Interest

7.84%p.a.

Comparison*

6.95%p.a.

Est. repayment

$3,613

LVR ≤80%

Enquire

Granite Home Loans2 Year Fixed Standard Owner Occupied <$3.5m <80% LVR P&I

2y FixedRedraw

Interest

7.84%p.a.

Comparison*

7.07%p.a.

Est. repayment

$3,613

LVR ≤80%

Enquire

Granite Home Loans3 Year Fixed Standard Owner Occupied <$3.5m <80% LVR P&I

3y FixedRedraw

Interest

7.84%p.a.

Comparison*

7.19%p.a.

Est. repayment

$3,613

LVR ≤80%

Enquire

Granite Home Loans4 Year Fixed Standard Owner Occupied <$3.5m <80% LVR P&I

4y FixedRedraw

Interest

7.84%p.a.

Comparison*

7.30%p.a.

Est. repayment

$3,613

LVR ≤80%

Enquire

Granite Home Loans5 Year Fixed Standard Owner Occupied <$3.5m <80% LVR P&I

5y FixedRedraw

Interest

7.84%p.a.

Comparison*

7.40%p.a.

Est. repayment

$3,613

LVR ≤80%

Enquire

Granite Home Loans1 Year Fixed Standard Investment <$3.5m <60% LVR P&I

1y FixedRedraw

Interest

7.94%p.a.

Comparison*

7.05%p.a.

Est. repayment

$3,648

LVR ≤60%

Enquire

Granite Home Loans1 Year Fixed Standard Investment <$3.5m <70% LVR P&I

1y FixedRedraw

Interest

7.94%p.a.

Comparison*

7.05%p.a.

Est. repayment

$3,648

LVR ≤70%

Enquire

Granite Home Loans1 Year Fixed Standard Owner Occupied <$3.5m <60% LVR IO

1y FixedRedraw

Interest

7.94%p.a.

Comparison*

Not available

Est. interest only / month

$3,308

LVR ≤60%

Based on a $500,000 balance

Enquire

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.

Granite Home Loans1 Year Fixed Standard Owner Occupied <$3.5m <70% LVR IO

1y FixedRedraw

Interest

7.94%p.a.

Comparison*

Not available

Est. interest only / month

$3,308

LVR ≤70%

Based on a $500,000 balance

Enquire

Granite Home Loans1 Year Fixed Standard Owner Occupied <$3m <90% LVR P&I

1y FixedRedraw

Interest

7.94%p.a.

Comparison*

7.05%p.a.

Est. repayment

$3,648

LVR ≤90%

Enquire

Granite Home Loans2 Year Fixed Standard Investment <$3.5m <60% LVR P&I

2y FixedRedraw

Interest

7.94%p.a.

Comparison*

7.17%p.a.

Est. repayment

$3,648

LVR ≤60%

Enquire

Granite Home Loans2 Year Fixed Standard Investment <$3.5m <70% LVR P&I

2y FixedRedraw

Interest

7.94%p.a.

Comparison*

7.17%p.a.

Est. repayment

$3,648

LVR ≤70%

Enquire

Granite Home Loans2 Year Fixed Standard Owner Occupied <$3.5m <60% LVR IO

2y FixedRedraw

Interest

7.94%p.a.

Comparison*

Not available

Est. interest only / month

$3,308

LVR ≤60%

Based on a $500,000 balance

Enquire

Granite Home Loans2 Year Fixed Standard Owner Occupied <$3.5m <70% LVR IO

2y FixedRedraw

Interest

7.94%p.a.

Comparison*

Not available

Est. interest only / month

$3,308

LVR ≤70%

Based on a $500,000 balance

Enquire

*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 · Fixed

Granite Home Loans fixed home loans, what to weigh

Fixed rates lock in certainty for the term but cap flexibility, extra repayments usually capped, break costs apply on exit. Compare break-cost mechanics alongside headline rate. Rates and eligibility can differ across products and LVR tiers, so use the lender page above for current product-level figures rather than assuming every fixed option has the same price.