Granite Home Loans Owner-occupier Home Loans, August 2026
Granite Home Loans doesn't currently advertise products meeting our visibility filter in this segment. The panel below shows the full 85+-lender market for benchmark.
RBA cash rate 4.35%(effective 12 Aug 2026)|Rates updated |5,135 products|85+ Australian lenders
Editor's Pick · Ratesniffers Editorial Team
Top Home Loan Rates in August 2026
Reviewed by the Ratesniffers Editorial Team, August 2026
Granite Home Loans's sharpest owner-occupier options. Market cheapest currently sits at 5.85%.
Type
Lender & product
Rate p.a.
Comp. rate p.a.*
Max LVR
Discounted Great Rate Home Loan - Variable Owner Occupied
Owner-occupierVariableP&IRedrawExtra repayments$2,500 cashback
Interest
5.84%p.a.
Comparison*
5.85%p.a.
Monthly repayment
$2,947
LVR —
First Home Buyer Loan
Owner-occupierVariableP&IOffsetRedrawExtra repayments
Interest
5.89%p.a.
Verify, 84d old
Comparison*
5.89%p.a.
Monthly repayment
$2,962
LVR 70–90%
Budget Home Loan
Owner-occupierVariableP&IRedrawExtra repayments
Interest
5.89%p.a.
Comparison*
5.89%p.a.
Monthly repayment
$2,962
LVR —
Discount Home Loan Owner Occupied <=80% LVR P&I Special
Owner-occupierVariableP&IRedrawExtra repayments
Interest
5.93%p.a.
45d ago
Comparison*
—
Monthly repayment
$2,975
LVR ≤80%
Special Police Variable Home Loan Rate
Owner-occupierVariableP&IOffsetRedraw
Interest
5.93%p.a.
Comparison*
5.93%p.a.
Monthly repayment
$2,975
LVR —
Real Deal Basic Variable Owner Occupied <80% LVR >$500k P&I Special
Owner-occupierVariableP&IRedrawExtra repayments
Interest
5.94%p.a.
30d ago
Comparison*
—
Monthly repayment
$2,978
LVR ≤80%
Offset Home Loan <=80% LVR Owner Occupied P&I Refinance Offer
Owner-occupierVariableP&IOffsetRedrawExtra repayments
Interest
5.95%p.a.
15d ago
Comparison*
—
Monthly repayment
$2,982
LVR ≤80%
OnlineUp Home Loan
Owner-occupierVariableP&IOffsetRedrawExtra repayments
Interest
5.95%p.a.
37d ago
Comparison*
5.95%p.a.
Monthly repayment
$2,982
LVR —
OnlineUltimate Home Loan - Owner Occupied 80% LVR
Owner-occupierVariableP&IOffsetRedraw
Interest
5.94%p.a.
Verify, 88d old
Comparison*
5.98%p.a.
Monthly repayment
$2,978
LVR ≤80%
Special Package Variable Owner Occupied <80% LVR IO
Owner-occupierVariableInterest onlyOffsetRedrawExtra repayments
Interest
5.99%p.a.
Verify, 64d old
Comparison*
—
Monthly repayment
$2,995
LVR ≤80%
OMG Home Loan (P&I) LVR<60
Owner-occupierVariableP&IRedrawExtra repayments
Interest
5.99%p.a.
Comparison*
6.03%p.a.
Monthly repayment
$2,995
LVR —
Orange Advantage
Owner-occupierVariableP&IOffsetRedrawExtra repayments
Interest
5.99%p.a.
Comparison*
6.03%p.a.
Monthly repayment
$2,995
LVR —
OnlineME Bank EconoME Home Loan
Owner-occupierVariableP&IRedrawExtra repayments$3,000 cashback
Cashback eligibility
- Min loan $700,000
- Max LVR 80%
- Offer ends 28 Aug 2026 · lender T&Cs
Interest
5.99%p.a.
Comparison*
6.03%p.a.
Monthly repayment
$2,995
LVR 70–80%
Package Standard Variable 70% - 80% LVR $1m+ Owner Occupied P&I (Pricing Approval Required)
Owner-occupierVariableP&IOffsetRedrawExtra repayments
Interest
6.04%p.a.
Comparison*
—
Monthly repayment
$3,011
LVR 70–80%
Fair Dinkum Home Loan
Owner-occupierVariableP&IExtra repayments
Interest
6.04%p.a.
Verify, 87d old
Comparison*
6.04%p.a.
Monthly repayment
$3,011
LVR 70–80%
Basic Variable Home Loan
Owner-occupierVariableP&IRedrawExtra repayments
Interest
5.99%p.a.
Comparison*
6.05%p.a.
Monthly repayment
$2,995
LVR —
OnlineTiimely Basic Home Loan
Owner-occupierVariableP&IRedrawExtra repayments
Interest
6.04%p.a.
Comparison*
6.05%p.a.
Monthly repayment
$3,011
LVR 70–80%
Standard Variable Loan 70% - 80% LVR >$1m Owner Occupied P&I (Pricing Approval Required)
Owner-occupierVariableP&IOffsetRedrawExtra repayments
Interest
6.06%p.a.
44d ago
Comparison*
—
Monthly repayment
$3,017
LVR 70–80%
Clear Path Variable Home Loan
Owner-occupierVariableP&IOffsetRedrawExtra repayments$2,000 cashback
Interest
6.03%p.a.
Comparison*
6.07%p.a.
Monthly repayment
$3,007
LVR ≤80%
Essentials Home Loan
Owner-occupierVariableP&IOffsetRedrawExtra repayments$4,000 cashback
Interest
6.04%p.a.
Comparison*
6.08%p.a.
Monthly repayment
$3,011
LVR 71–80%
Basic Variable Loan
Owner-occupierVariableP&IRedrawExtra repayments
Interest
6.04%p.a.
Comparison*
6.08%p.a.
Monthly repayment
$3,011
LVR 71–80%
Package Discount Variable (L1) $100k+ 70% - 80% LVR Owner Occupied P&I
Owner-occupierVariableP&IOffsetRedrawExtra repayments
Interest
6.09%p.a.
59d ago
Comparison*
—
Monthly repayment
$3,027
LVR 70–80%
liteBlue Variable 60% - 80% LVR Owner Occupied P&I
Owner-occupierVariableP&IRedrawExtra repayments
Interest
6.09%p.a.
Verify, 79d old
Comparison*
—
Monthly repayment
$3,027
LVR 60–80%
Offset Home Loan Package 70% - 80% LVR Owner Occupied P&I
Owner-occupierVariableP&IOffsetRedrawExtra repayments
Interest
6.09%p.a.
14d ago
Comparison*
—
Monthly repayment
$3,027
LVR 70–80%
Regional Australia Bank Home Loan (Fixed Owner Occupied)
Owner-occupier3y FixedP&I
Interest
6.09%p.a.
Comparison*
6.12%p.a.
Monthly repayment
$3,027
LVR 70–80%
AFG Alpha Basic Home Loan
Owner-occupierVariableP&IRedrawExtra repayments
Interest
6.09%p.a.
Comparison*
6.13%p.a.
Monthly repayment
$3,027
LVR 70–80%
OnlineNeat - OO Variable P&I
Owner-occupierVariableP&IRedrawExtra repayments
Interest
6.09%p.a.
Comparison*
6.13%p.a.
Monthly repayment
$3,027
LVR 70–80%
OnlineVirgin Money Lite Home Loan
Owner-occupierVariableP&IRedrawExtra repayments
Interest
6.09%p.a.
Comparison*
6.13%p.a.
Monthly repayment
$3,027
LVR 70–80%
No Frills Home Loan
Owner-occupierVariableP&IRedrawExtra repayments
Interest
6.13%p.a.
Verify, 86d old
Comparison*
6.13%p.a.
Monthly repayment
$3,040
LVR —
Advantage Package 70% - 80% LVR $1m+ Owner Occupied P&I (Pricing Tool Required)
Owner-occupierVariableP&IOffsetRedrawExtra repayments
Interest
6.14%p.a.
28d ago
Comparison*
—
Monthly repayment
$3,043
LVR 70–80%
*Important Information and Comparison Rate 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 · Owner-occupier
Granite Home Loans owner-occupier home loans, what to weigh
Granite Home Loans's owner-occupier panel, P&I and offset-eligible products at every LVR band, ranked sharpest-first by comparison rate. Granite Home Loans's sharpest variable currently: 6.29%. Sharpest fixed: 6.94%.
See also Granite Home Loans's full product range, repayment calculator, and refinance savings calculator.