MyState home loans
4 home loans with 20 options: variable or fixed from 1 to 5 years, for owner-occupiers or investors, paying principal and interest or interest only, with rates by deposit size. Headline variant: owner-occupier · P&I · ≤80% LVR · comparison rate.
- Basic Variable LoanRedraw · no ongoing fee6.47%
- Special Residential Variable LoanOffset account · redraw · no ongoing fee6.49%
- Standard Variable LoanOffset account · redraw · no ongoing fee8.68%
- Fixed Rate LoanNo ongoing fee–
The lowest rate for each choice: the comparison rate where the lender publishes one, else the advertised rate. Every variant is on the loan's own page.
Comparison rates are based on a secured loan of $150,000 over 25 years. WARNING: This comparison rate is true only for the example given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate.
October 20268 changes
- 28Wed
- Special Residential Variable Loanvariable owner-occupier P&I 6.49 → 6.34−0.15
- 27Tue
- Basic Variable Loan15 variants up 0.20 to 0.2527 days after the RBA rise to 4.60%+0.20 to +0.25All Variable
P&I · Owner-occupier · 60–70% LVR 6.07 6.32 +0.25 P&I · Owner-occupier · ≤60% LVR 6.07 6.32 +0.25 P&I · Owner-occupier · 70–80% LVR 6.22 6.47 +0.25 P&I · Investor · 60–70% LVR 6.24 6.49 +0.25 P&I · Investor · ≤60% LVR 6.24 6.49 +0.25 P&I · Investor · 70–80% LVR 6.29 6.54 +0.25 Interest Only · Investor · 60–70% LVR 6.39 6.59 +0.20 Interest Only · Investor · ≤60% LVR 6.39 6.59 +0.20 Interest Only · Investor · 70–80% LVR 6.44 6.64 +0.20 P&I · Owner-occupier · 80–90% LVR 6.42 6.67 +0.25 Interest Only · Owner-occupier · ≤80% LVR 6.52 6.77 +0.25 P&I · Investor · 80–90% LVR 6.69 6.94 +0.25 Interest Only · Investor · 80–90% LVR 6.79 7.04 +0.25 P&I · Owner-occupier · 90–100% LVR 7.32 7.57 +0.25 P&I · Investor · 90–95% LVR 7.44 7.69 +0.25 - Special Residential Variable Loan15 variants up 0.15 to 0.4027 days after the RBA rise to 4.60%+0.15 to +0.40All Variable
P&I · Owner-occupier · ≤60% LVR 6.09 6.34 +0.25 P&I · Owner-occupier · 60–70% LVR 6.09 6.49 +0.40 P&I · Investor · ≤60% LVR 6.24 6.49 +0.25 P&I · Owner-occupier · 70–80% LVR 6.24 6.49 +0.25 P&I · Investor · 60–70% LVR 6.24 6.49 +0.25 P&I · Investor · 70–80% LVR 6.29 6.54 +0.25 Interest Only · Investor · 60–70% LVR 6.39 6.59 +0.20 Interest Only · Investor · ≤60% LVR 6.39 6.59 +0.20 Interest Only · Investor · 70–80% LVR 6.44 6.64 +0.20 P&I · Owner-occupier · 80–90% LVR 6.44 6.69 +0.25 Interest Only · Owner-occupier · ≤80% LVR 6.54 6.79 +0.25 P&I · Investor · 80–90% LVR 6.69 6.94 +0.25 Interest Only · Investor · 80–90% LVR 6.79 7.04 +0.25 P&I · Owner-occupier · 90–100% LVR 7.44 7.59 +0.15 P&I · Investor · 90–95% LVR 7.44 7.69 +0.25 - Standard Variable Loan4 variants up 0.2527 days after the RBA rise to 4.60%+0.25All Variable
P&I · Investor · ≤95% LVR 8.43 8.68 +0.25 P&I · Owner-occupier · ≤100% LVR 8.43 8.68 +0.25 Interest Only · Owner-occupier · ≤80% LVR 8.82 9.07 +0.25 Interest Only · Investor · ≤90% LVR 8.82 9.07 +0.25 - Fixed Rate Loan31 variants up 0.18 to 0.2627 days after the RBA rise to 4.60%+0.18 to +0.26
- 23Fri
- Special Residential Variable Loanapplication fee $350 → $300 on 15 variants−$50All Variable
P&I · Owner-occupier · ≤60% LVR $350 $300 −$50 P&I · Owner-occupier · 60–70% LVR $350 $300 −$50 P&I · Investor · ≤60% LVR $350 $300 −$50 P&I · Owner-occupier · 70–80% LVR $350 $300 −$50 P&I · Investor · 60–70% LVR $350 $300 −$50 P&I · Investor · 70–80% LVR $350 $300 −$50 Interest Only · Investor · 60–70% LVR $350 $300 −$50 Interest Only · Investor · ≤60% LVR $350 $300 −$50 Interest Only · Investor · 70–80% LVR $350 $300 −$50 P&I · Owner-occupier · 80–90% LVR $350 $300 −$50 Interest Only · Owner-occupier · ≤80% LVR $350 $300 −$50 P&I · Investor · 80–90% LVR $350 $300 −$50 Interest Only · Investor · 80–90% LVR $350 $300 −$50 P&I · Owner-occupier · 90–100% LVR $350 $300 −$50 P&I · Investor · 90–95% LVR $350 $300 −$50 - Basic Variable Loanapplication fee $350 → $300 on 15 variants−$50All Variable
P&I · Owner-occupier · 60–70% LVR $350 $300 −$50 P&I · Owner-occupier · ≤60% LVR $350 $300 −$50 P&I · Owner-occupier · 70–80% LVR $350 $300 −$50 P&I · Investor · 60–70% LVR $350 $300 −$50 P&I · Investor · ≤60% LVR $350 $300 −$50 P&I · Investor · 70–80% LVR $350 $300 −$50 Interest Only · Investor · 60–70% LVR $350 $300 −$50 Interest Only · Investor · ≤60% LVR $350 $300 −$50 Interest Only · Investor · 70–80% LVR $350 $300 −$50 P&I · Owner-occupier · 80–90% LVR $350 $300 −$50 Interest Only · Owner-occupier · ≤80% LVR $350 $300 −$50 P&I · Investor · 80–90% LVR $350 $300 −$50 Interest Only · Investor · 80–90% LVR $350 $300 −$50 P&I · Owner-occupier · 90–100% LVR $350 $300 −$50 P&I · Investor · 90–95% LVR $350 $300 −$50 - Standard Variable Loanapplication fee $350 → $300 on 4 variants−$50All Variable
P&I · Investor · ≤95% LVR $350 $300 −$50 P&I · Owner-occupier · ≤100% LVR $350 $300 −$50 Interest Only · Owner-occupier · ≤80% LVR $350 $300 −$50 Interest Only · Investor · ≤90% LVR $350 $300 −$50
Investor, interest-only and other LVR-band variants sit behind each product; ranks are within the variant's own cohort. Compare home loans · Home loan report
Notes on MyState home loans
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As of 2 November 2026, MyState has four home loan products in 65 variants tracked by BankMate. Its lowest comparison rate for an owner-occupier paying principal and interest on a variable loan is 6.47% (Basic Variable Loan), ranking 36th of 93 variable owner-occupier P&I loans and sitting 0.11 points below the market average of 6.58%. Its rates last moved on 28 October 2026. From the provider's Consumer Data Right feed, refreshed nightly.