Granite Home Loans Home Loan Rates
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 13 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 318 Granite Home Loans products on this page, ranked by comparison rate, checked daily (last verified 13 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. 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.
318 Granite Home Loans home loan products
No active products surfaced. This lender may have paused new lending or recently been removed from our index, check back tomorrow.
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.