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Home loan · 5yr Fixed

Fixed Rate Loan

Rate
Loan for
Repayments
Deposit

7.95%comparison rate p.a. · 7.04% advertised

5yr Fixed · P&I · Owner-occupier · ≤80% LVR

45th of 47 5-year fixed owner-occupier P&I loans

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The same choices at every rate type

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.

Offset account
No
Redraw
No
Extra repayments
Yes
Application fee
$300
Ongoing fee
None
Discharge fee
$380
Compare all 321 home loans
Compare MyState Fixed Rate Home Loan side by side

1yr Fixed · P&I · Owner-occupier · ≤70% LVR
8.45% comparison · 6.64% advertised
1yr Fixed · P&I · Owner-occupier · 70–80% LVR
8.48% comparison · 6.69% advertised
1yr Fixed · P&I · Owner-occupier · 80–90% LVR
8.48% comparison · 6.89% advertised
1yr Fixed · Interest Only · Owner-occupier · ≤80% LVR
8.55% comparison · 7.49% advertised
1yr Fixed · P&I · Investor · ≤80% LVR
8.47% comparison · 6.84% advertised
1yr Fixed · P&I · Investor · 80–90% LVR
8.50% comparison · 7.04% advertised
1yr Fixed · Interest Only · Investor · ≤80% LVR
8.49% comparison · 6.94% advertised
1yr Fixed · Interest Only · Investor · 80–90% LVR
8.51% comparison · 7.14% advertised
2yr Fixed · P&I · Owner-occupier · ≤70% LVR
8.24% comparison · 6.64% advertised
2yr Fixed · P&I · Owner-occupier · 70–80% LVR
8.26% comparison · 6.69% advertised
2yr Fixed · P&I · Owner-occupier · 80–90% LVR
8.30% comparison · 6.89% advertised
2yr Fixed · Interest Only · Owner-occupier · ≤80% LVR
8.43% comparison · 7.49% advertised
2yr Fixed · P&I · Investor · ≤80% LVR
8.30% comparison · 6.89% advertised
2yr Fixed · P&I · Investor · 80–90% LVR
8.35% comparison · 7.09% advertised
2yr Fixed · Interest Only · Investor · ≤80% LVR
8.33% comparison · 6.99% advertised
2yr Fixed · Interest Only · Investor · 80–90% LVR
8.37% comparison · 7.19% advertised
3yr Fixed · P&I · Owner-occupier · ≤70% LVR
8.09% comparison · 6.69% advertised
3yr Fixed · P&I · Owner-occupier · 70–80% LVR
8.10% comparison · 6.74% advertised
3yr Fixed · P&I · Owner-occupier · 80–90% LVR
8.16% comparison · 6.94% advertised
3yr Fixed · Interest Only · Owner-occupier · ≤80% LVR
8.35% comparison · 7.54% advertised
3yr Fixed · P&I · Investor · ≤80% LVR
8.16% comparison · 6.94% advertised
3yr Fixed · P&I · Investor · 80–90% LVR
8.22% comparison · 7.14% advertised
3yr Fixed · Interest Only · Investor · ≤80% LVR
8.20% comparison · 7.04% advertised
3yr Fixed · Interest Only · Investor · 80–90% LVR
8.26% comparison · 7.24% advertised
5yr Fixed · P&I · Owner-occupier · ≤80% LVR
7.95% comparison · 7.04% advertised
5yr Fixed · P&I · Owner-occupier · 80–90% LVR
8.04% comparison · 7.24% advertised
5yr Fixed · Interest Only · Owner-occupier · ≤80% LVR
8.32% comparison · 7.84% advertised
5yr Fixed · P&I · Investor · ≤80% LVR
7.99% comparison · 7.14% advertised
5yr Fixed · P&I · Investor · 80–90% LVR
8.08% comparison · 7.34% advertised
5yr Fixed · Interest Only · Investor · ≤80% LVR
8.05% comparison · 7.24% advertised
5yr Fixed · Interest Only · Investor · 80–90% LVR
8.14% comparison · 7.44% advertised

Application fee
$300
Ongoing fee
None
Discharge fee
$380
Valuation fee
$200

Offset account
No
Redraw
No
Extra repayments
Yes
Portable
No
Repayment holiday
No

Minimum loan
$30,000

  • Fixed Rate Loan · 5yr Fixed · P&I · Owner-occupier
  • RBA cash rate
4.005.006.007.008.00SepOctToday7.95% p.a. today

October 20262 changes

  1. 27Tue
    • 31 variants up 0.18 to 0.2627 days after the RBA rise to 4.60%
      1yr Fixed · P&I · Owner-occupier · ≤70% LVR8.218.45+0.24
      1yr Fixed · P&I · Owner-occupier · 70–80% LVR8.228.48+0.26
      1yr Fixed · P&I · Owner-occupier · 80–90% LVR8.248.48+0.24
      1yr Fixed · Interest Only · Owner-occupier · ≤80% LVR8.318.55+0.24
      1yr Fixed · P&I · Investor · ≤80% LVR8.248.47+0.23
      1yr Fixed · P&I · Investor · 80–90% LVR8.268.50+0.24
      1yr Fixed · Interest Only · Investor · ≤80% LVR8.258.49+0.24
      1yr Fixed · Interest Only · Investor · 80–90% LVR8.288.51+0.23
      2yr Fixed · P&I · Owner-occupier · ≤70% LVR8.038.24+0.21
      2yr Fixed · P&I · Owner-occupier · 70–80% LVR8.048.26+0.22
      2yr Fixed · P&I · Owner-occupier · 80–90% LVR8.088.30+0.22
      2yr Fixed · Interest Only · Owner-occupier · ≤80% LVR8.218.43+0.22
      2yr Fixed · P&I · Investor · ≤80% LVR8.098.30+0.21
      2yr Fixed · P&I · Investor · 80–90% LVR8.138.35+0.22
      2yr Fixed · Interest Only · Investor · ≤80% LVR8.118.33+0.22
      2yr Fixed · Interest Only · Investor · 80–90% LVR8.158.37+0.22
      3yr Fixed · P&I · Owner-occupier · ≤70% LVR7.878.09+0.22
      3yr Fixed · P&I · Owner-occupier · 70–80% LVR7.898.10+0.21
      3yr Fixed · P&I · Owner-occupier · 80–90% LVR7.958.16+0.21
      3yr Fixed · Interest Only · Owner-occupier · ≤80% LVR8.138.35+0.22
      3yr Fixed · P&I · Investor · ≤80% LVR7.968.16+0.20
      3yr Fixed · P&I · Investor · 80–90% LVR8.028.22+0.20
      3yr Fixed · Interest Only · Investor · ≤80% LVR8.008.20+0.20
      3yr Fixed · Interest Only · Investor · 80–90% LVR8.068.26+0.20
      5yr Fixed · P&I · Owner-occupier · ≤80% LVR7.757.95+0.20
      5yr Fixed · P&I · Owner-occupier · 80–90% LVR7.848.04+0.20
      5yr Fixed · Interest Only · Owner-occupier · ≤80% LVR8.118.32+0.21
      5yr Fixed · P&I · Investor · ≤80% LVR7.817.99+0.18
      5yr Fixed · P&I · Investor · 80–90% LVR7.908.08+0.18
      5yr Fixed · Interest Only · Investor · ≤80% LVR7.878.05+0.18
      5yr Fixed · Interest Only · Investor · 80–90% LVR7.968.14+0.18
      +0.18 to +0.26
  2. 23Fri
    • Application fee $350 → $300 on 31 variants
      1yr Fixed · P&I · Owner-occupier · ≤70% LVR$350$300−$50
      1yr Fixed · P&I · Owner-occupier · 70–80% LVR$350$300−$50
      1yr Fixed · P&I · Owner-occupier · 80–90% LVR$350$300−$50
      1yr Fixed · Interest Only · Owner-occupier · ≤80% LVR$350$300−$50
      1yr Fixed · P&I · Investor · ≤80% LVR$350$300−$50
      1yr Fixed · P&I · Investor · 80–90% LVR$350$300−$50
      1yr Fixed · Interest Only · Investor · ≤80% LVR$350$300−$50
      1yr Fixed · Interest Only · Investor · 80–90% LVR$350$300−$50
      2yr Fixed · P&I · Owner-occupier · ≤70% LVR$350$300−$50
      2yr Fixed · P&I · Owner-occupier · 70–80% LVR$350$300−$50
      2yr Fixed · P&I · Owner-occupier · 80–90% LVR$350$300−$50
      2yr Fixed · Interest Only · Owner-occupier · ≤80% LVR$350$300−$50
      2yr Fixed · P&I · Investor · ≤80% LVR$350$300−$50
      2yr Fixed · P&I · Investor · 80–90% LVR$350$300−$50
      2yr Fixed · Interest Only · Investor · ≤80% LVR$350$300−$50
      2yr Fixed · Interest Only · Investor · 80–90% LVR$350$300−$50
      3yr Fixed · P&I · Owner-occupier · ≤70% LVR$350$300−$50
      3yr Fixed · P&I · Owner-occupier · 70–80% LVR$350$300−$50
      3yr Fixed · P&I · Owner-occupier · 80–90% LVR$350$300−$50
      3yr Fixed · Interest Only · Owner-occupier · ≤80% LVR$350$300−$50
      3yr Fixed · P&I · Investor · ≤80% LVR$350$300−$50
      3yr Fixed · P&I · Investor · 80–90% LVR$350$300−$50
      3yr Fixed · Interest Only · Investor · ≤80% LVR$350$300−$50
      3yr Fixed · Interest Only · Investor · 80–90% LVR$350$300−$50
      5yr Fixed · P&I · Owner-occupier · ≤80% LVR$350$300−$50
      5yr Fixed · P&I · Owner-occupier · 80–90% LVR$350$300−$50
      5yr Fixed · Interest Only · Owner-occupier · ≤80% LVR$350$300−$50
      5yr Fixed · P&I · Investor · ≤80% LVR$350$300−$50
      5yr Fixed · P&I · Investor · 80–90% LVR$350$300−$50
      5yr Fixed · Interest Only · Investor · ≤80% LVR$350$300−$50
      5yr Fixed · Interest Only · Investor · 80–90% LVR$350$300−$50
      −$50

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.

Also from MyState: Basic Variable Loan 6.47% · Special Residential Variable Loan 6.49% · Standard Variable Loan 8.68%

As of 2 November 2026, the MyState Fixed Rate Loan's 5-year fixed owner-occupier P&I variant has a comparison rate of 7.95% (7.04% advertised), ranking 45th of 47 5-year fixed owner-occupier P&I loans. The product comes in 31 variants; the others are investor, interest-only, other fixed terms and other LVR bands. Its rate last moved on 27 October 2026, 27 days after the RBA rise to 4.60%. From the provider's Consumer Data Right feed, refreshed nightly.