As of 18 September 2026, the MyState Special Residential Variable Loan's variable owner-occupier P&I variant has a comparison rate of 6.24% (6.19% advertised), ranking 27th of 107 variable owner-occupier P&I loans and sitting 0.52 points below the market average of 6.76%. The product comes in 16 variants; the others are investor, interest-only and other LVR bands.
6.19% advertised · Variable · P&I · Owner-occupier · ≤98% LVR
15 other variants: investor, interest-only and other LVR bands below.
Rate over time
Comparison rate · Variable · P&I · Owner-occupier · ≤98% LVR- Special Residential Variable Loan · Variable · P&I · Owner-occupier
- RBA cash rate
- Market average
Changes
No changes recorded for this product since tracking began on 12 September 2026.
Rates by variant
Comparison rate · advertised rate- Variable · P&I · Owner-occupier · ≤98% LVR
- 6.24% comparison · 6.19% advertised
- Variable · P&I · Owner-occupier · ≤60% LVR
- 6.09% comparison · 6.04% advertised
- Variable · P&I · Owner-occupier · 61–70% LVR
- 6.09% comparison · 6.04% advertised
- Variable · P&I · Owner-occupier · 71–80% LVR
- 6.24% comparison · 6.19% advertised
- Variable · P&I · Owner-occupier · 81–90% LVR
- 6.44% comparison · 6.39% advertised
- Variable · P&I · Owner-occupier · 91–100% LVR
- 7.44% comparison · 7.39% advertised
- Variable · Interest Only · Owner-occupier · ≤80% LVR
- 6.54% comparison · 6.49% advertised
- Variable · P&I · Investor · ≤60% LVR
- 6.24% comparison · 6.19% advertised
- Variable · P&I · Investor · 61–70% LVR
- 6.24% comparison · 6.19% advertised
- Variable · P&I · Investor · 71–80% LVR
- 6.29% comparison · 6.24% advertised
- Variable · P&I · Investor · 81–90% LVR
- 6.69% comparison · 6.64% advertised
- Variable · P&I · Investor · 91–95% LVR
- 7.44% comparison · 7.39% advertised
- Variable · Interest Only · Investor · ≤60% LVR
- 6.39% comparison · 6.34% advertised
- Variable · Interest Only · Investor · 61–70% LVR
- 6.39% comparison · 6.34% advertised
- Variable · Interest Only · Investor · 71–80% LVR
- 6.44% comparison · 6.39% advertised
- Variable · Interest Only · Investor · 88–90% LVR
- 6.79% comparison · 6.74% advertised
Fees
Headline variant- Application fee
- $350
- Ongoing fee
- None
- Discharge fee
- $380
- Valuation fee
- $200
- Redraw fee
- None
Features
Headline variant- Offset account
- Yes
- Redraw
- Yes
- Extra repayments
- Yes
- Portable
- No
- Repayment holiday
- No
About this product
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.