MyState Bank home loan rates
MYSTATE BANK LIMITED · ACL 240896 · Bank
Rates as at 2026-10-20. 69 rates across 4 products. Lender website
Variable rates
| Product | Rate | Comparison | Type | Purpose | Repayment | Conditions |
|---|---|---|---|---|---|---|
| Basic Variable Loan | 6.04% | 6.07% | Variable | Owner occupier | P&I | LVR <=60% |
| Basic Variable Loan | 6.04% | 6.07% | Variable | Owner occupier | P&I | LVR 60-70% |
| Special Residential Variable Loan | 6.04% | 6.09% | Variable | Owner occupier | P&I | LVR <=60% |
| Special Residential Variable Loan | 6.04% | 6.09% | Variable | Owner occupier | P&I | LVR 60-70% |
| Basic Variable Loan | 6.19% | 6.22% | Variable | Owner occupier | P&I | LVR <=98% · home guarantee scheme |
| Basic Variable Loan | 6.19% | 6.24% | Variable | Investment | P&I | LVR <=60% |
| Basic Variable Loan | 6.19% | 6.22% | Variable | Owner occupier | P&I | LVR 70-80% |
| Basic Variable Loan | 6.19% | 6.24% | Variable | Investment | P&I | LVR 60-70% |
| Special Residential Variable Loan | 6.19% | 6.24% | Variable | Investment | P&I | LVR <=60% |
| Special Residential Variable Loan | 6.19% | 6.24% | Variable | Owner occupier | P&I | LVR <=98% · home guarantee scheme |
| Special Residential Variable Loan | 6.19% | 6.24% | Variable | Owner occupier | P&I | LVR 70-80% |
| Special Residential Variable Loan | 6.19% | 6.24% | Variable | Investment | P&I | LVR 60-70% |
| Basic Variable Loan | 6.24% | 6.29% | Variable | Investment | P&I | LVR 70-80% |
| Special Residential Variable Loan | 6.24% | 6.29% | Variable | Investment | P&I | LVR 70-80% |
| Basic Variable Loan | 6.34% | 6.39% | Variable | Investment | Interest only | LVR <=60% |
| Basic Variable Loan | 6.34% | 6.39% | Variable | Investment | Interest only | LVR 60-70% |
| Special Residential Variable Loan | 6.34% | 6.39% | Variable | Investment | Interest only | LVR <=60% |
| Special Residential Variable Loan | 6.34% | 6.39% | Variable | Investment | Interest only | LVR 60-70% |
| Basic Variable Loan | 6.39% | 6.42% | Variable | Owner occupier | P&I | LVR 80-90% |
| Basic Variable Loan | 6.39% | 6.44% | Variable | Investment | Interest only | LVR 70-80% |
| Special Residential Variable Loan | 6.39% | 6.44% | Variable | Investment | Interest only | LVR 70-80% |
| Special Residential Variable Loan | 6.39% | 6.44% | Variable | Owner occupier | P&I | LVR 80-90% |
| Basic Variable Loan | 6.49% | 6.52% | Variable | Owner occupier | Interest only | LVR <=80% |
| Special Residential Variable Loan | 6.49% | 6.54% | Variable | Owner occupier | Interest only | LVR <=80% |
| Basic Variable Loan | 6.64% | 6.69% | Variable | Investment | P&I | LVR 80-90% |
| Special Residential Variable Loan | 6.64% | 6.69% | Variable | Investment | P&I | LVR 80-90% |
| Basic Variable Loan | 6.74% | 6.79% | Variable | Investment | Interest only | LVR 80-90% |
| Special Residential Variable Loan | 6.74% | 6.79% | Variable | Investment | Interest only | LVR 80-90% |
| Basic Variable Loan | 7.29% | 7.32% | Variable | Owner occupier | P&I | LVR 90-100% |
| Basic Variable Loan | 7.39% | 7.44% | Variable | Investment | P&I | LVR 90-95% |
| Special Residential Variable Loan | 7.39% | 7.44% | Variable | Investment | P&I | LVR 90-95% |
| Special Residential Variable Loan | 7.39% | 7.44% | Variable | Owner occupier | P&I | LVR 90-100% |
| Standard Variable Loan | 8.37% | 8.43% | Variable | Owner occupier | P&I | LVR <=100% |
| Standard Variable Loan | 8.37% | 8.43% | Variable | Investment | P&I | LVR <=95% |
| Standard Variable Loan | 8.77% | 8.82% | Variable | Investment | Interest only | LVR <=90% |
| Standard Variable Loan | 8.77% | 8.82% | Variable | Owner occupier | Interest only | LVR <=80% |
Fixed rates
| Product | Rate | Comparison | Type | Purpose | Repayment | Conditions |
|---|---|---|---|---|---|---|
| Fixed Rate Loan | 6.49% | 8.21% | Fixed | Owner occupier | P&I | 1 yr fixed · LVR <=70% |
| Fixed Rate Loan | 6.49% | 8.03% | Fixed | Owner occupier | P&I | 2 yr fixed · LVR <=70% |
| Fixed Rate Loan | 6.54% | 8.04% | Fixed | Owner occupier | P&I | 2 yr fixed · LVR <=98% · home guarantee scheme |
| Fixed Rate Loan | 6.54% | 7.87% | Fixed | Owner occupier | P&I | 3 yr fixed · LVR <=70% |
| Fixed Rate Loan | 6.54% | 8.04% | Fixed | Owner occupier | P&I | 2 yr fixed · LVR 70-80% |
| Fixed Rate Loan | 6.54% | 8.22% | Fixed | Owner occupier | P&I | 1 yr fixed · LVR 70-80% |
| Fixed Rate Loan | 6.59% | 7.89% | Fixed | Owner occupier | P&I | 3 yr fixed · LVR <=98% · home guarantee scheme |
| Fixed Rate Loan | 6.59% | 7.89% | Fixed | Owner occupier | P&I | 3 yr fixed · LVR 70-80% |
| Fixed Rate Loan | 6.74% | 8.24% | Fixed | Investment | P&I | 1 yr fixed · LVR <=80% |
| Fixed Rate Loan | 6.74% | 8.24% | Fixed | Owner occupier | P&I | 1 yr fixed · LVR 80-90% |
| Fixed Rate Loan | 6.74% | 8.08% | Fixed | Owner occupier | P&I | 2 yr fixed · LVR 80-90% |
| Fixed Rate Loan | 6.79% | 8.09% | Fixed | Investment | P&I | 2 yr fixed · LVR <=80% |
| Fixed Rate Loan | 6.79% | 7.95% | Fixed | Owner occupier | P&I | 3 yr fixed · LVR 80-90% |
| Fixed Rate Loan | 6.84% | 7.96% | Fixed | Investment | P&I | 3 yr fixed · LVR <=80% |
| Fixed Rate Loan | 6.84% | 8.25% | Fixed | Investment | Interest only | 1 yr fixed · LVR <=80% |
| Fixed Rate Loan | 6.89% | 7.75% | Fixed | Owner occupier | P&I | 5 yr fixed · LVR <=80% |
| Fixed Rate Loan | 6.89% | 8.11% | Fixed | Investment | Interest only | 2 yr fixed · LVR <=80% |
| Fixed Rate Loan | 6.94% | 8.00% | Fixed | Investment | Interest only | 3 yr fixed · LVR <=80% |
| Fixed Rate Loan | 6.94% | 8.26% | Fixed | Investment | P&I | 1 yr fixed · LVR 80-90% |
| Fixed Rate Loan | 6.99% | 8.13% | Fixed | Investment | P&I | 2 yr fixed · LVR 80-90% |
| Fixed Rate Loan | 7.04% | 7.81% | Fixed | Investment | P&I | 5 yr fixed · LVR <=80% |
| Fixed Rate Loan | 7.04% | 8.02% | Fixed | Investment | P&I | 3 yr fixed · LVR 80-90% |
| Fixed Rate Loan | 7.04% | 8.28% | Fixed | Investment | Interest only | 1 yr fixed · LVR 80-90% |
| Fixed Rate Loan | 7.09% | 8.15% | Fixed | Investment | Interest only | 2 yr fixed · LVR 80-90% |
| Fixed Rate Loan | 7.09% | 7.84% | Fixed | Owner occupier | P&I | 5 yr fixed · LVR 80-90% |
| Fixed Rate Loan | 7.14% | 7.87% | Fixed | Investment | Interest only | 5 yr fixed · LVR <=80% |
| Fixed Rate Loan | 7.14% | 8.06% | Fixed | Investment | Interest only | 3 yr fixed · LVR 80-90% |
| Fixed Rate Loan | 7.24% | 7.90% | Fixed | Investment | P&I | 5 yr fixed · LVR 80-90% |
| Fixed Rate Loan | 7.34% | 8.21% | Fixed | Owner occupier | Interest only | 2 yr fixed · LVR <=80% |
| Fixed Rate Loan | 7.34% | 8.31% | Fixed | Owner occupier | Interest only | 1 yr fixed · LVR <=80% |
| Fixed Rate Loan | 7.34% | 7.96% | Fixed | Investment | Interest only | 5 yr fixed · LVR 80-90% |
| Fixed Rate Loan | 7.39% | 8.13% | Fixed | Owner occupier | Interest only | 3 yr fixed · LVR <=80% |
| Fixed Rate Loan | 7.69% | 8.11% | Fixed | Owner occupier | Interest only | 5 yr fixed · LVR <=80% |
Conditions worth checking. A $30,000 minimum balance is required for all Standard Variable and Fixed loans | Eligibility: A customer is or older than 18 years of age A $100,000 minimum balance is required for all Basic and Special Residential Variable loans | Eligibility: A customer is or older than 18 years of age