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Home loan · Variable

Special Residential Variable Loan

Loan for
Repayments
Deposit

6.49%comparison rate p.a. · 6.44% advertised

Variable · P&I · Owner-occupier · 70–80% LVR

42nd of 93 variable owner-occupier P&I loans

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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
Yes
Redraw
Yes
Extra repayments
Yes
Application fee
$300
Ongoing fee
None
Discharge fee
$380
Compare all 321 home loans
Compare MyState Special Residential Variable side by side

Variable · P&I · Owner-occupier · ≤60% LVR
6.34% comparison · 6.29% advertised
Variable · P&I · Owner-occupier · 60–70% LVR
6.34% comparison · 6.29% advertised
Variable · P&I · Owner-occupier · 70–80% LVR
6.49% comparison · 6.44% advertised
Variable · P&I · Owner-occupier · 80–90% LVR
6.69% comparison · 6.64% advertised
Variable · P&I · Owner-occupier · 90–100% LVR
7.59% comparison · 7.54% advertised
Variable · Interest Only · Owner-occupier · ≤80% LVR
6.79% comparison · 6.74% advertised
Variable · P&I · Investor · ≤60% LVR
6.49% comparison · 6.44% advertised
Variable · P&I · Investor · 60–70% LVR
6.49% comparison · 6.44% advertised
Variable · P&I · Investor · 70–80% LVR
6.54% comparison · 6.49% advertised
Variable · P&I · Investor · 80–90% LVR
6.94% comparison · 6.89% advertised
Variable · P&I · Investor · 90–95% LVR
7.69% comparison · 7.64% advertised
Variable · Interest Only · Investor · ≤60% LVR
6.59% comparison · 6.54% advertised
Variable · Interest Only · Investor · 60–70% LVR
6.59% comparison · 6.54% advertised
Variable · Interest Only · Investor · 70–80% LVR
6.64% comparison · 6.59% advertised
Variable · Interest Only · Investor · 80–90% LVR
7.04% comparison · 6.99% advertised

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

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

Minimum loan
$100,000

  • Special Residential Variable Loan · Variable · P&I · Owner-occupier
  • RBA cash rate
  • Market average
5.006.00SepOctToday6.49% p.a. today

October 20263 changes

  1. 28Wed
    • Variable owner-occupier P&I 6.49 → 6.34
      −0.15
  2. 27Tue
    • 15 variants up 0.15 to 0.4027 days after the RBA rise to 4.60%
      All Variable
      P&I · Owner-occupier · ≤60% LVR6.096.34+0.25
      P&I · Owner-occupier · 60–70% LVR6.096.49+0.40
      P&I · Owner-occupier · 70–80% LVR6.246.49+0.25
      P&I · Owner-occupier · 80–90% LVR6.446.69+0.25
      P&I · Owner-occupier · 90–100% LVR7.447.59+0.15
      Interest Only · Owner-occupier · ≤80% LVR6.546.79+0.25
      P&I · Investor · ≤60% LVR6.246.49+0.25
      P&I · Investor · 60–70% LVR6.246.49+0.25
      P&I · Investor · 70–80% LVR6.296.54+0.25
      P&I · Investor · 80–90% LVR6.696.94+0.25
      P&I · Investor · 90–95% LVR7.447.69+0.25
      Interest Only · Investor · ≤60% LVR6.396.59+0.20
      Interest Only · Investor · 60–70% LVR6.396.59+0.20
      Interest Only · Investor · 70–80% LVR6.446.64+0.20
      Interest Only · Investor · 80–90% LVR6.797.04+0.25
      +0.15 to +0.40
  3. 23Fri
    • Application fee $350 → $300 on 15 variants
      All Variable
      P&I · Owner-occupier · ≤60% LVR$350$300−$50
      P&I · Owner-occupier · 60–70% LVR$350$300−$50
      P&I · Owner-occupier · 70–80% LVR$350$300−$50
      P&I · Owner-occupier · 80–90% LVR$350$300−$50
      P&I · Owner-occupier · 90–100% LVR$350$300−$50
      Interest Only · Owner-occupier · ≤80% LVR$350$300−$50
      P&I · Investor · ≤60% LVR$350$300−$50
      P&I · Investor · 60–70% LVR$350$300−$50
      P&I · Investor · 70–80% LVR$350$300−$50
      P&I · Investor · 80–90% LVR$350$300−$50
      P&I · Investor · 90–95% LVR$350$300−$50
      Interest Only · Investor · ≤60% LVR$350$300−$50
      Interest Only · Investor · 60–70% LVR$350$300−$50
      Interest Only · Investor · 70–80% LVR$350$300−$50
      Interest Only · Investor · 80–90% LVR$350$300−$50
      −$50

MyState offers a premium variable rate product for customers seeking a home loan in excess of $100,000. If you're buying or building your own home, a residential investment property, a block of land, looking to refinance your home loan from another lender or simply topping up your existing home loan with MyState, now is the time to take advantage of this great offer.

Also from MyState: Basic Variable Loan 6.47% · Fixed Rate Loan 7.95% · Standard Variable Loan 8.68%

As of 1 November 2026, the MyState Special Residential Variable Loan's variable owner-occupier P&I variant has a comparison rate of 6.49% (6.44% advertised), ranking 42nd of 93 variable owner-occupier P&I loans and sitting 0.09 points below the market average of 6.58%. The product comes in 15 variants; the others are investor, interest-only and other LVR bands. Its rate last moved on 28 October 2026. From the provider's Consumer Data Right feed, refreshed nightly.