As of 18 September 2026, the MyState Standard Variable Loan's variable owner-occupier P&I variant has a comparison rate of 8.43% (8.37% advertised), ranking 97th of 107 variable owner-occupier P&I loans and sitting 1.67 points above the market average of 6.76%. The product comes in 4 variants; the others are investor and interest-only.
8.37% advertised · Variable · P&I · Owner-occupier · ≤100% LVR
3 other variants: investor and interest-only below.
Rate over time
Comparison rate · Variable · P&I · Owner-occupier · ≤100% LVR- Standard 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 · ≤100% LVR
- 8.43% comparison · 8.37% advertised
- Variable · Interest Only · Owner-occupier · ≤80% LVR
- 8.82% comparison · 8.77% advertised
- Variable · P&I · Investor · ≤95% LVR
- 8.43% comparison · 8.37% advertised
- Variable · Interest Only · Investor · ≤90% LVR
- 8.82% comparison · 8.77% 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 $30,000. 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.