Granite Home Loans · Offset · Updated November 2026

Granite Home Loans Offset Account Home Loans, November 2026

Granite Home Loans lists 24 offset home loans in the Ratesniffers index today. The lowest is 6.44% p.a., on Standard Variable 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 offset home loan rates, November 2026

Granite Home LoansStandard Variable Owner Occupied <$3.5m <60% LVR P&I

VariableOffsetRedraw

Interest

6.44%p.a.

Comparison*

Not available

Est. repayment

$3,141

LVR ≤60%

Enquire

Granite Home LoansStandard Variable Owner Occupied <$3.5m <70% LVR P&I

VariableOffsetRedraw

Interest

6.44%p.a.

Comparison*

Not available

Est. repayment

$3,141

LVR ≤70%

Enquire

Granite Home LoansVisa Holders Loan Owner Occupied <70% LVR <$3.5m P&I

VariableOffsetRedraw

Interest

6.44%p.a.

Comparison*

Not available

Est. repayment

$3,141

LVR ≤70%

Enquire

Granite Home LoansStandard Variable Owner Occupied <$3.5m <80% LVR P&I

VariableOffsetRedraw

Interest

6.54%p.a.

Comparison*

Not available

Est. repayment

$3,174

LVR ≤80%

Enquire

Granite Home LoansVisa Holders Loan Owner Occupied <80% LVR <$3.5m P&I

VariableOffsetRedraw

Interest

6.54%p.a.

Comparison*

Not available

Est. repayment

$3,174

LVR ≤80%

Enquire

Granite Home LoansStandard Variable Owner Occupied <$3.5m <60% LVR IO

VariableOffsetRedraw

Interest

6.64%p.a.

Comparison*

Not available

Est. interest only / month

$2,767

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 LoansStandard Variable Owner Occupied <$3.5m <70% LVR IO

VariableOffsetRedraw

Interest

6.64%p.a.

Comparison*

Not available

Est. interest only / month

$2,767

LVR ≤70%

Based on a $500,000 balance

Enquire

Granite Home LoansVisa Holders Loan Owner Occupied <70% LVR <$3.5m IO

VariableOffsetRedraw

Interest

6.64%p.a.

Comparison*

Not available

Est. interest only / month

$2,767

LVR ≤70%

Based on a $500,000 balance

Enquire

Granite Home LoansStandard Variable Owner Occupied <$3.5m <80% LVR IO

VariableOffsetRedraw

Interest

6.74%p.a.

Comparison*

Not available

Est. interest only / month

$2,808

LVR ≤80%

Based on a $500,000 balance

Enquire

Granite Home LoansVisa Holders Loan Owner Occupied <80% LVR <$3.5m IO

VariableOffsetRedraw

Interest

6.74%p.a.

Comparison*

Not available

Est. interest only / month

$2,808

LVR ≤80%

Based on a $500,000 balance

Enquire

Granite Home LoansStandard Variable Investment <$3.5m <60% LVR IO

VariableOffsetRedraw

Interest

6.84%p.a.

Comparison*

Not available

Est. interest only / month

$2,850

LVR ≤60%

Based on a $500,000 balance

Enquire

Granite Home LoansStandard Variable Investment <$3.5m <70% LVR IO

VariableOffsetRedraw

Interest

6.84%p.a.

Comparison*

Not available

Est. interest only / month

$2,850

LVR ≤70%

Based on a $500,000 balance

Enquire

Granite Home LoansStandard Variable Owner Occupied <$3m <90% LVR IO

VariableOffsetRedraw

Interest

6.84%p.a.

Comparison*

Not available

Est. interest only / month

$2,850

LVR ≤90%

Based on a $500,000 balance

Enquire

Granite Home LoansVisa Holders Loan Investment <70% LVR <$3.5m IO

VariableOffsetRedraw

Interest

6.84%p.a.

Comparison*

Not available

Est. interest only / month

$2,850

LVR ≤70%

Based on a $500,000 balance

Enquire

Granite Home LoansVisa Holders Loan Owner Occupied <85% LVR <$3m IO

VariableOffsetRedraw

Interest

6.84%p.a.

Comparison*

Not available

Est. interest only / month

$2,850

LVR ≤85%

Based on a $500,000 balance

Enquire

Granite Home LoansStandard Variable Investment <$3.5m <60% LVR P&I

VariableOffsetRedraw

Interest

6.64%p.a.

Comparison*

6.91%p.a.

Est. repayment

$3,207

LVR ≤60%

Enquire

Granite Home LoansStandard Variable Investment <$3.5m <70% LVR P&I

VariableOffsetRedraw

Interest

6.64%p.a.

Comparison*

6.91%p.a.

Est. repayment

$3,207

LVR ≤70%

Enquire

Granite Home LoansStandard Variable Owner Occupied <$3m <90% LVR P&I

VariableOffsetRedraw

Interest

6.64%p.a.

Comparison*

6.91%p.a.

Est. repayment

$3,207

LVR ≤90%

Enquire

Granite Home LoansStandard Variable Investment <$3.5m <80% LVR IO

VariableOffsetRedraw

Interest

6.94%p.a.

Comparison*

Not available

Est. interest only / month

$2,892

LVR ≤80%

Based on a $500,000 balance

Enquire

Granite Home LoansStandard Variable Owner Occupied <$2m <95% LVR IO

VariableOffsetRedraw

Interest

6.94%p.a.

Comparison*

Not available

Est. interest only / month

$2,892

LVR ≤95%

Based on a $500,000 balance

Enquire

Granite Home LoansVisa Holders Loan Investment <80% LVR <$3.5m IO

VariableOffsetRedraw

Interest

6.94%p.a.

Comparison*

Not available

Est. interest only / month

$2,892

LVR ≤80%

Based on a $500,000 balance

Enquire

Granite Home LoansProfessional 90% LVR Owner Occupied P&I

VariableOffsetRedraw

Interest

6.95%p.a.

Comparison*

Not available

Est. repayment

$3,310

LVR ≤90%

Enquire

Granite Home LoansEssential Worker Owner Occupied P&I

VariableOffsetRedraw

Interest

6.95%p.a.

Comparison*

Not available

Est. repayment

$3,310

LVR ≤90%

Enquire

Granite Home LoansLender Paid LMI P&I Owner Occupied

VariableOffsetRedraw

Interest

6.95%p.a.

Comparison*

Not available

Est. repayment

$3,310

LVR ≤85%

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 · Offset

Granite Home Loans offset home loans, what to weigh

100% offset accounts reduce interest charged by the balance you keep in them without changing the headline rate. Best paired with salary-account direct deposit + tactical surplus parking. 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 offset option has the same price.