Basic Variable Loan
Owner-occupierVariableP&IRedrawExtra repayments
Interest
6.09%p.a.
Comparison*
6.13%p.a.
Monthly repayment
$3,027
LVR 71–80%
MyState Bank Home Loan Rates
Active products
28
Lowest variable
6.09%
Lowest fixed
6.49%
Lowest comparison
6.13%
Last updated
28 July 2026
MyState Bank is one of the Australian home-loan lenders we track daily. We currently surface 28 active products from MyState Bank, refreshed from authoritative lender sources. The product table below sorts by comparison rate by default, the true-cost metric mandated by the National Consumer Credit Protection Act 2009, so you can see total cost, including standard fees, at a glance.
What is the lowest MyState Bank home loan rate?
The lowest MyState Bank variable home loan rate Ratesniffers tracks is 6.09% p.a., and the lowest fixed rate is 6.49% p.a. These figures come from the 28 MyState Bank products on this page, ranked by comparison rate, refreshed daily (last updated 28 July 2026).
How many home loan products does MyState Bank offer?
Ratesniffers currently tracks 28 MyState Bank home loan products across variable, fixed and interest-only options for owner-occupiers and investors. Every rate is ranked by comparison rate, the ASIC-mandated figure that folds in most fees, so the genuinely cheapest products sit at the top.
MyState Bank home loan rates at a glance
| Product type | Rate | Comparison rate | Max LVR |
|---|---|---|---|
| Variable Owner-occupier P&I | 6.09% p.a. | 6.13% p.a. | 100% |
| Variable Owner-occupier P&I | 6.09% p.a. | 6.13% p.a. | 100% |
| Variable Owner-occupier P&I | 6.09% p.a. | 6.13% p.a. | 100% |
| Variable Investor P&I | 6.24% p.a. | 6.28% p.a. | 95% |
| Variable Investor P&I | 6.24% p.a. | 6.28% p.a. | 95% |
| Variable Investor P&I | 6.24% p.a. | 6.28% p.a. | 95% |
| Variable Investor interest-only | 6.39% p.a. | 6.43% p.a. | 90% |
| Variable Investor interest-only | 6.39% p.a. | 6.43% p.a. | 90% |
| Variable Investor interest-only | 6.39% p.a. | 6.43% p.a. | 90% |
| Variable Owner-occupier interest-only | 6.49% p.a. | 6.53% p.a. | 80% |
| Variable Owner-occupier interest-only | 6.49% p.a. | 6.53% p.a. | 80% |
| Variable Owner-occupier interest-only | 6.49% p.a. | 6.53% p.a. | 80% |
28 MyState Bank home loan products
Standard Variable Loan
Owner-occupierVariableP&IOffsetRedrawExtra repayments
Interest
6.09%p.a.
Comparison*
6.13%p.a.
Monthly repayment
$3,027
LVR —
Special Residential Variable Loan
Owner-occupierVariableP&IOffsetRedrawExtra repayments
Interest
6.09%p.a.
Comparison*
6.13%p.a.
Monthly repayment
$3,027
LVR 71–80%
Basic Variable Loan
InvestorVariableP&IRedrawExtra repayments
Interest
6.24%p.a.
Comparison*
6.28%p.a.
Monthly repayment
$3,075
LVR 71–80%
Standard Variable Loan
InvestorVariableP&IOffsetRedrawExtra repayments
Interest
6.24%p.a.
Comparison*
6.28%p.a.
Monthly repayment
$3,075
LVR ≤95%
Special Residential Variable Loan
InvestorVariableP&IOffsetRedrawExtra repayments
Interest
6.24%p.a.
Comparison*
6.28%p.a.
Monthly repayment
$3,075
LVR 71–80%
Basic Variable Loan
InvestorVariableInterest onlyRedrawExtra repayments
Interest
6.39%p.a.
Comparison*
6.43%p.a.
Monthly repayment
$3,124
LVR 71–80%
Standard Variable Loan
InvestorVariableInterest onlyOffsetRedrawExtra repayments
Interest
6.39%p.a.
Comparison*
6.43%p.a.
Monthly repayment
$3,124
LVR ≤90%
Special Residential Variable Loan
InvestorVariableInterest onlyOffsetRedrawExtra repayments
Interest
6.39%p.a.
Comparison*
6.43%p.a.
Monthly repayment
$3,124
LVR 71–80%
Basic Variable Loan
Owner-occupierVariableInterest onlyRedrawExtra repayments
Interest
6.49%p.a.
Comparison*
6.53%p.a.
Monthly repayment
$3,157
LVR ≤80%
Standard Variable Loan
Owner-occupierVariableInterest onlyOffsetRedrawExtra repayments
Interest
6.49%p.a.
Comparison*
6.53%p.a.
Monthly repayment
$3,157
LVR ≤80%
Special Residential Variable Loan
Owner-occupierVariableInterest onlyOffsetRedrawExtra repayments
Interest
6.49%p.a.
Comparison*
6.53%p.a.
Monthly repayment
$3,157
LVR ≤80%
Fixed Rate Loan
Owner-occupier2y FixedP&IExtra repayments
Interest
6.49%p.a.
Comparison*
6.53%p.a.
Monthly repayment
$3,157
LVR 71–80%
Fixed Rate Loan
Owner-occupier1y FixedP&IExtra repayments
Interest
6.49%p.a.
Comparison*
6.53%p.a.
Monthly repayment
$3,157
LVR 71–80%
Fixed Rate Loan
Owner-occupier3y FixedP&IExtra repayments
Interest
6.54%p.a.
Comparison*
6.58%p.a.
Monthly repayment
$3,174
LVR 71–80%
Fixed Rate Loan
Investor1y FixedP&IExtra repayments
Interest
6.74%p.a.
Comparison*
6.78%p.a.
Monthly repayment
$3,240
LVR ≤80%
Fixed Rate Loan
Investor2y FixedP&IExtra repayments
Interest
6.79%p.a.
Comparison*
6.83%p.a.
Monthly repayment
$3,256
LVR ≤80%
Fixed Rate Loan
Investor3y FixedP&IExtra repayments
Interest
6.84%p.a.
Comparison*
6.88%p.a.
Monthly repayment
$3,273
LVR ≤80%
Fixed Rate Loan
Investor1y FixedInterest onlyExtra repayments
Interest
6.84%p.a.
Comparison*
6.88%p.a.
Monthly repayment
$3,273
LVR ≤80%
Fixed Rate Loan
Owner-occupier5y FixedP&IExtra repayments
Interest
6.89%p.a.
Comparison*
6.93%p.a.
Monthly repayment
$3,290
LVR ≤80%
Fixed Rate Loan
Investor2y FixedInterest onlyExtra repayments
Interest
6.89%p.a.
Comparison*
6.93%p.a.
Monthly repayment
$3,290
LVR ≤80%
Fixed Rate Loan
Investor3y FixedInterest onlyExtra repayments
Interest
6.94%p.a.
Comparison*
6.98%p.a.
Monthly repayment
$3,306
LVR ≤80%
Fixed Rate Loan
Investor5y FixedP&IExtra repayments
Interest
7.04%p.a.
Comparison*
7.08%p.a.
Monthly repayment
$3,340
LVR ≤80%
Fixed Rate Loan
Investor5y FixedInterest onlyExtra repayments
Interest
7.14%p.a.
Comparison*
7.18%p.a.
Monthly repayment
$3,374
LVR ≤80%
Fixed Rate Loan
Owner-occupier1y FixedInterest onlyExtra repayments
Interest
7.34%p.a.
Comparison*
7.38%p.a.
Monthly repayment
$3,441
LVR ≤80%
Fixed Rate Loan
Owner-occupier2y FixedInterest onlyExtra repayments
Interest
7.34%p.a.
Comparison*
7.38%p.a.
Monthly repayment
$3,441
LVR ≤80%
Fixed Rate Loan
Owner-occupier3y FixedInterest onlyExtra repayments
Interest
7.39%p.a.
Comparison*
7.43%p.a.
Monthly repayment
$3,458
LVR ≤80%
Fixed Rate Loan
Owner-occupier5y FixedInterest onlyExtra repayments
Interest
7.69%p.a.
Comparison*
7.73%p.a.
Monthly repayment
$3,561
LVR ≤80%
Negotiate MyState Bank rates with a broker
Advertised rates aren't always the rate MyState Bank actually approves. Our broker negotiates against your specific scenario, no fee.
Who is MyState Bank?
MyState Bank is Tasmania's home-grown bank, built from the state's credit-union heritage (its roots include the Teachers, Police and Nurses credit unions) and holding a full banking licence since 2014. In February 2025 it merged with Queensland's Auswide Bank, and from December 2025 the two operate as a single banking group with a combined loan book around $12.5 billion.
Brokers are a major channel for its home lending, and its footprint now spans Tasmania and regional Queensland with national digital reach.
Who suits a MyState Bank home loan?
MyState tends to suit Tasmanian borrowers who want their state's own bank, and mainland borrowers drawn by its competitive owner-occupier pricing. As a smaller bank its credit appetite is conservative, so clean applications fare best; compare its comparison rate against the table above.
Background facts checked 21 July 2026. Rates above refresh independently.
MyState Bank home loans: frequently asked questions
What is the lowest MyState Bank home loan rate?
MyState Bank's lowest variable home loan rate is currently 6.09% p.a., and its lowest fixed rate is 6.49% p.a., based on the 28 MyState Bank products Ratesniffers ranks by comparison rate, refreshed daily (last updated 28 July 2026). The advertised rate isn't always the rate MyState Bank approves, a broker can often negotiate a sharper deal on your scenario.
How does MyState Bank's home loan rate compare to the market?
MyState Bank's lowest variable home loan rate today is 6.09% p.a., which is in line with the market median of 6.09% p.a. today. This is computed daily from the live rates across the lenders Ratesniffers tracks, so it reflects where MyState Bank sits right now rather than a fixed snapshot.
How many home loan products does MyState Bank offer?
Ratesniffers currently tracks 28 MyState Bank home loan products across variable, fixed and interest-only options for owner-occupiers and investors. Every rate is refreshed daily and ranked by comparison rate, the ASIC-mandated figure that folds in most fees, so the genuinely cheapest loans sit at the top.
Is MyState Bank competitive for refinancing?
It depends on your loan size and LVR. MyState Bank's lowest comparison rate is currently 6.13% p.a., worth checking against the wider market before you switch. On a $500,000 loan, even a 0.30% p.a. difference is about $100 a month, so comparing MyState Bank against the sharpest available rate usually pays off.
How often are MyState Bank's home loan rates updated?
Ratesniffers refreshes MyState Bank's home loan rates daily; this page was last updated 28 July 2026. Rates can change whenever MyState Bank reprices or the RBA moves the cash rate, so the figures shown reflect the most recent data we hold rather than a static snapshot.
MyState Bank rates by borrower and loan type
The same MyState Bank panel, filtered to the scenario you're actually shopping for.
- MyState Bank owner-occupier ratesP&I and offset-eligible products, ranked sharpest-first.
- MyState Bank investor ratesInvestment lending, interest-only where offered.
- MyState Bank refinance ratesRefinance-eligible products versus your current rate.
- MyState Bank first home buyer ratesFHB-eligible products, Home Guarantee where supported.
- MyState Bank fixed rates1 to 5-year terms where available.
- MyState Bank variable ratesFlexible repayments, offset-compatible products.
- MyState Bank interest-only ratesIO terms, mostly investor products.
- MyState Bank offset loans100% offset-account-eligible products.
Compare home loans across the market by purpose
The whole visible panel, sliced by what borrowers actually search for.
Other lenders you might compare
Same purpose-built rate cards, different lender panels.
Mortgage guides and market context
Plain-English explainers, plus where rates sit across the market today.