As of 18 September 2026, the MyState Fixed Rate Loan's 5-year fixed owner-occupier P&I variant has a comparison rate of 7.75% (6.89% advertised), ranking 42nd of 49 5-year fixed owner-occupier P&I loans. The product comes in 33 variants; the others are investor, interest-only, other fixed terms and other LVR bands.
6.89% advertised · 5yr Fixed · P&I · Owner-occupier · ≤80% LVR
32 other variants: investor, interest-only, other fixed terms and other LVR bands below.
Rate over time
Comparison rate · 5yr Fixed · P&I · Owner-occupier · ≤80% LVR- Fixed Rate Loan · 5yr Fixed · P&I · Owner-occupier
- RBA cash rate
Changes
No changes recorded for this product since tracking began on 12 September 2026.
Rates by variant
Comparison rate · advertised rate- 1yr Fixed · P&I · Owner-occupier · ≤70% LVR
- 8.21% comparison · 6.49% advertised
- 1yr Fixed · P&I · Owner-occupier · 71–80% LVR
- 8.22% comparison · 6.54% advertised
- 1yr Fixed · P&I · Owner-occupier · 81–90% LVR
- 8.24% comparison · 6.74% advertised
- 1yr Fixed · Interest Only · Owner-occupier · ≤80% LVR
- 8.31% comparison · 7.34% advertised
- 1yr Fixed · P&I · Investor · ≤80% LVR
- 8.24% comparison · 6.74% advertised
- 1yr Fixed · P&I · Investor · 81–90% LVR
- 8.26% comparison · 6.94% advertised
- 1yr Fixed · Interest Only · Investor · ≤80% LVR
- 8.25% comparison · 6.84% advertised
- 1yr Fixed · Interest Only · Investor · 81–90% LVR
- 8.28% comparison · 7.04% advertised
- 2yr Fixed · P&I · Owner-occupier · ≤98% LVR
- 8.04% comparison · 6.54% advertised
- 2yr Fixed · P&I · Owner-occupier · ≤70% LVR
- 8.03% comparison · 6.49% advertised
- 2yr Fixed · P&I · Owner-occupier · 71–80% LVR
- 8.04% comparison · 6.54% advertised
- 2yr Fixed · P&I · Owner-occupier · 81–90% LVR
- 8.08% comparison · 6.74% advertised
- 2yr Fixed · Interest Only · Owner-occupier · ≤80% LVR
- 8.21% comparison · 7.34% advertised
- 2yr Fixed · P&I · Investor · ≤80% LVR
- 8.09% comparison · 6.79% advertised
- 2yr Fixed · P&I · Investor · 81–90% LVR
- 8.13% comparison · 6.99% advertised
- 2yr Fixed · Interest Only · Investor · ≤80% LVR
- 8.11% comparison · 6.89% advertised
- 2yr Fixed · Interest Only · Investor · 81–90% LVR
- 8.15% comparison · 7.09% advertised
- 3yr Fixed · P&I · Owner-occupier · ≤98% LVR
- 7.89% comparison · 6.59% advertised
- 3yr Fixed · P&I · Owner-occupier · ≤70% LVR
- 7.87% comparison · 6.54% advertised
- 3yr Fixed · P&I · Owner-occupier · 71–80% LVR
- 7.89% comparison · 6.59% advertised
- 3yr Fixed · P&I · Owner-occupier · 81–90% LVR
- 7.95% comparison · 6.79% advertised
- 3yr Fixed · Interest Only · Owner-occupier · ≤80% LVR
- 8.13% comparison · 7.39% advertised
- 3yr Fixed · P&I · Investor · ≤80% LVR
- 7.96% comparison · 6.84% advertised
- 3yr Fixed · P&I · Investor · 81–90% LVR
- 8.02% comparison · 7.04% advertised
- 3yr Fixed · Interest Only · Investor · ≤80% LVR
- 8.00% comparison · 6.94% advertised
- 3yr Fixed · Interest Only · Investor · 81–90% LVR
- 8.06% comparison · 7.14% advertised
- 5yr Fixed · P&I · Owner-occupier · ≤80% LVR
- 7.75% comparison · 6.89% advertised
- 5yr Fixed · P&I · Owner-occupier · 81–90% LVR
- 7.84% comparison · 7.09% advertised
- 5yr Fixed · Interest Only · Owner-occupier · ≤80% LVR
- 8.11% comparison · 7.69% advertised
- 5yr Fixed · P&I · Investor · ≤80% LVR
- 7.81% comparison · 7.04% advertised
- 5yr Fixed · P&I · Investor · 81–90% LVR
- 7.90% comparison · 7.24% advertised
- 5yr Fixed · Interest Only · Investor · ≤80% LVR
- 7.87% comparison · 7.14% advertised
- 5yr Fixed · Interest Only · Investor · 81–90% LVR
- 7.96% comparison · 7.34% advertised
Fees
Headline variant- Application fee
- $350
- Ongoing fee
- None
- Discharge fee
- $380
- Valuation fee
- $200
Features
Headline variant- Offset account
- No
- Redraw
- No
- Extra repayments
- Yes
- Portable
- No
- Repayment holiday
- No
About this product
With a fixed interest home loan rate your repayments remain the same for the selected term. With a guaranteed interest rate you know exactly how much you're going to pay every time. At the end of the selected term, the home loan interest rate converts to our Standard Variable Home Loan rate current at that time. A fixed home loan rate is great if you're buying an owner-occupied home, investment property, vacant land or refinancing home loans from another lender, and if you want protection from interest rate increases and certainty of repayments.