Variable interest rates starting from 5.54% (5.56%)*
Compare MyState home loan products, fees and featuresProduct rates and fees last updated 02 Jul 2025
For over 60 years MyState has been helping customers bank a more human way. Their welcoming team provides many personalised services that work around the client making banking easier for them. They are always looking for ways to further improve their company and do things differently to others in order to improve customer experiences. They guarantee that all money and details are protected. Over the recent years hey have won many awards for their services and products including multiple `mozo experts choice awards`, as well as many others.
| Home Loan Product | Basic Variable | Basic Variable HGS | Special Residential | Standard Variable Home Loan |
|---|---|---|---|---|
| Lowest Variable Rate (Comparison Rate) | 5.54% (5.56%)* | 5.69% (5.71%)* | 5.54% (5.68%)* | 7.87% (8.02%)* |
| Max LVR | 60% | 95% | 60% | 90% |
| Min Loan Amount | $100,000 | $100,000 | $100,000 | $30,000 |
Product Fees | ||||
| Application | - | - | $450 | $600 |
| Settlement | $350 | $350 | $350 | $350 |
| Discharge | $380 | $380 | $380 | $380 |
| Ongoing Fee |
- - |
- - |
$8 (monthly) |
$8 (monthly) |
Are you trying to compare MyState's interest rates, discharge fees, settlement fees or applicant fees?
We have over 20 years of experience working with different Australian Home Loan providers, including MyState. Speak with Get a Better Rate and have an experienced Mortgage Broker help navigate your next home loan. Based in the Sydney CBD, Get a Better Rate partners with over 40 top Australia Home Loan providers, reach out for a chat today!
Let's TalkProduct Features | ||||
|---|---|---|---|---|
| Home Loan Product | Basic Variable | Basic Variable HGS | Special Residential | Standard Variable Home Loan |
| Repayment | Weekly, Fortnightly, Monthly | Weekly, Fortnightly, Monthly | Weekly, Fortnightly, Monthly | Fortnightly, Monthly |
| Offset | ||||
| Redraw | ||||
| EFTPOS | ||||
| Debit Card | ||||
| BPay | ||||
| Internet Banking | ||||
| Bridging | ||||
| Construction |
Before you start the process, it's important to understand your goals and strategy. Whether you are refinancing to a lower interest rate, purchasing a new home or looking to renovate.
Use our home loan repayment calculator and compare repayments against what your budget.
Have your income statements
Prepare your expense budget
Know your monthly liabilities and credit card limits
Australian ID documents
The fixed rate graph is a representation of MyState's historical fixed rates. It has been designed to provide you with context, in relations to rate cycles and where the current fixed rate sits within this cycle.
We have prepared a guide to help you better understand the potential benefits and limitations of fixing your home loan.
MyState's current fixed rates are displayed above each graph. The graph contains historical rates which are not avalaible and are shown as a guide only. It is always recommended that you speak with your lender or mortgage broker, before fixing your home loan. It is important you understand the risks, such as potential breakfees or feature limitations such as redraw that may relate to your circumstance.
No matter what aspect of home loans you want to address with us, we have plenty of additional resources and tools to help you. Whether you want to compare home loans with the MyState, calculate your loan repayments, or figure out how much you will save when you refinance your existing loan, Get a Better Rate has you covered.
