Check the product rates and conditions in the table. A verified example for this loan scenario is unavailable.
Check the product rates and conditions in the table. A verified example for this loan scenario is unavailable.
Check the product rates and conditions in the table. A verified example for this loan scenario is unavailable.
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.
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.
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 34 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.
| Product type | Rate | Comparison rate | Max LVR |
|---|---|---|---|
| Fixed 3-year Investor interest-only | 8.14% p.a. | n/a | 60% |
| Fixed 3-year Investor interest-only | 8.14% p.a. | n/a | 70% |
| Fixed 3-year Investor P&I | 8.14% p.a. | 7.49% p.a. | 90% |
| Fixed 3-year Owner-occupier interest-only | 8.14% p.a. | n/a | 90% |
| Fixed 4-year Investor interest-only | 8.14% p.a. | n/a | 60% |
| Fixed 4-year Investor interest-only | 8.14% p.a. | n/a | 70% |
| Fixed 4-year Investor P&I | 8.14% p.a. | 7.60% p.a. | 90% |
| Fixed 4-year Owner-occupier interest-only | 8.14% p.a. | n/a | 90% |
| Fixed 5-year Investor interest-only | 8.14% p.a. | n/a | 60% |
| Fixed 5-year Investor interest-only | 8.14% p.a. | n/a | 70% |
| Fixed 5-year Investor P&I | 8.14% p.a. | 7.70% p.a. | 90% |
| Fixed 5-year Owner-occupier interest-only | 8.14% p.a. | n/a | 90% |
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.
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.
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.
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.
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.
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.
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.
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.
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.
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.
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.
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.
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.
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.
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.
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.
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.
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.
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.
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.
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.
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.
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.
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.
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.
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 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.
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.
Checked 8 Oct 2026. Lender fees and policy change without notice, so confirm the detail with the lender before you apply.
