Home loan · Variable
Standard Variable Loan
8.68%comparison rate p.a. · 8.62% advertised
Variable · P&I · Owner-occupier · ≤100% LVR
93rd of 93 variable owner-occupier P&I loans
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
- Variable · P&I · Owner-occupier · ≤100% LVR
- 8.68% comparison · 8.62% advertised
- Variable · Interest Only · Owner-occupier · ≤80% LVR
- 9.07% comparison · 9.02% advertised
- Variable · P&I · Investor · ≤95% LVR
- 8.68% comparison · 8.62% advertised
- Variable · Interest Only · Investor · ≤90% LVR
- 9.07% comparison · 9.02% 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
- $30,000
- Standard Variable Loan · Variable · P&I · Owner-occupier
- RBA cash rate
- Market average
October 20262 changes
- 27Tue
- 4 variants up 0.2527 days after the RBA rise to 4.60%+0.25All Variable
P&I · Owner-occupier · ≤100% LVR 8.43 8.68 +0.25 Interest Only · Owner-occupier · ≤80% LVR 8.82 9.07 +0.25 P&I · Investor · ≤95% LVR 8.43 8.68 +0.25 Interest Only · Investor · ≤90% LVR 8.82 9.07 +0.25
- 23Fri
- Application fee $350 → $300 on 4 variants−$50All Variable
P&I · Owner-occupier · ≤100% LVR $350 $300 −$50 Interest Only · Owner-occupier · ≤80% LVR $350 $300 −$50 P&I · Investor · ≤95% LVR $350 $300 −$50 Interest Only · Investor · ≤90% LVR $350 $300 −$50
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.
Also from MyState: Basic Variable Loan 6.47% · Special Residential Variable Loan 6.49% · Fixed Rate Loan 7.95%
As of 2 November 2026, the MyState Standard Variable Loan's variable owner-occupier P&I variant has a comparison rate of 8.68% (8.62% advertised), ranking 93rd of 93 variable owner-occupier P&I loans and sitting 2.10 points above the market average of 6.58%. The product comes in 4 variants; the others are investor and interest-only. 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.