Interest
6.19%p.a.
Comparison*
6.22%p.a.
Est. repayment
$3,059
LVR 71 to 80%
MyState Bank Home Loan Rates
Tracked products
29
Lowest variable
6.19%
Lowest fixed
6.54%
Lowest comparison
6.22%
Last updated
11 Sept 2026
MyState Bank is one of the Australian home-loan lenders we track daily. We currently surface 29 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 are MyState Bank home loan rates?
MyState Bank home loan rates are in the live table on this page, ranked by comparison rate, with the lowest variable rate currently 6.19% p.a. and the lowest fixed rate currently 6.54% p.a., checked daily (last verified 11 Sept 2026). Compare MyState Bank against the wider market on home loan rates, check the comparison rate used to rank the table, or model extra payments with the extra repayments calculator.
What is the lowest MyState Bank home loan rate?
The lowest MyState Bank variable home loan rate Ratesniffers tracks is 6.19% p.a., and the lowest fixed rate is 6.54% p.a. These figures come from the 28 MyState Bank products on this page that pass data-quality checks, ranked by comparison rate, checked daily (last verified 11 Sept 2026).
How many home loan products does MyState Bank offer?
Ratesniffers currently tracks 29 MyState Bank home loan products across variable, fixed and interest-only options for owner-occupiers and investors, and ranks the 28 that pass our data-quality checks on this page. 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 | 6.19% p.a. | 6.22% p.a. | n/a |
| Variable Owner-occupier P&I | 6.19% p.a. | 6.24% p.a. | n/a |
| Variable Investor P&I | 6.24% p.a. | 6.29% p.a. | 95% |
| Variable Investor P&I | 6.24% p.a. | 6.29% p.a. | 95% |
| Variable Investor interest-only | 6.39% p.a. | 6.44% p.a. | 90% |
| Variable Investor interest-only | 6.39% p.a. | 6.44% p.a. | 90% |
| Variable Owner-occupier interest-only | 6.49% p.a. | 6.52% p.a. | 80% |
| Variable Owner-occupier interest-only | 6.49% p.a. | 6.54% p.a. | 80% |
| Variable Owner-occupier interest-only | 6.49% p.a. | 6.54% p.a. | 80% |
| Fixed 5-year Owner-occupier P&I | 6.89% p.a. | 7.75% p.a. | 90% |
| Fixed 5-year Investor P&I | 7.04% p.a. | 7.81% p.a. | 90% |
| Fixed 5-year Investor interest-only | 7.14% p.a. | 7.87% p.a. | 90% |
28 of 29 tracked MyState Bank home loan products
Interest
6.19%p.a.
Comparison*
6.24%p.a.
Est. repayment
$3,059
LVR 71 to 80%
Interest
6.24%p.a.
Comparison*
6.29%p.a.
Est. repayment
$3,075
LVR 71 to 80%
Interest
6.24%p.a.
Comparison*
6.29%p.a.
Est. repayment
$3,075
LVR 71 to 80%
Interest
6.39%p.a.
Comparison*
6.44%p.a.
Est. repayment
$3,124
LVR 71 to 80%
Interest
6.39%p.a.
Comparison*
6.44%p.a.
Est. repayment
$3,124
LVR 71 to 80%
Interest
6.49%p.a.
Comparison*
6.52%p.a.
Est. repayment
$3,157
LVR ≤80%
Interest
6.49%p.a.
Comparison*
6.54%p.a.
Est. repayment
$3,157
LVR ≤80%
Interest
6.49%p.a.
Comparison*
6.54%p.a.
Est. repayment
$3,157
LVR ≤80%
Interest
6.89%p.a.
Comparison*
7.75%p.a.
Est. repayment
$3,290
LVR ≤80%
Interest
7.04%p.a.
Comparison*
7.81%p.a.
Est. repayment
$3,340
LVR ≤80%
Interest
7.14%p.a.
Comparison*
7.87%p.a.
Est. repayment
$3,374
LVR ≤80%
Interest
6.59%p.a.
Comparison*
7.89%p.a.
Est. repayment
$3,190
LVR 71 to 80%
Interest
6.84%p.a.
Comparison*
7.96%p.a.
Est. repayment
$3,273
LVR ≤80%
Interest
6.94%p.a.
Comparison*
8.00%p.a.
Est. repayment
$3,306
LVR ≤80%
Interest
6.54%p.a.
Comparison*
8.04%p.a.
Est. repayment
$3,174
LVR 71 to 80%
Interest
6.79%p.a.
Comparison*
8.09%p.a.
Est. repayment
$3,256
LVR ≤80%
Interest
6.89%p.a.
Comparison*
8.11%p.a.
Est. repayment
$3,290
LVR ≤80%
Interest
7.69%p.a.
Comparison*
8.11%p.a.
Est. repayment
$3,561
LVR ≤80%
Interest
7.39%p.a.
Comparison*
8.13%p.a.
Est. repayment
$3,458
LVR ≤80%
Interest
7.34%p.a.
Comparison*
8.21%p.a.
Est. repayment
$3,441
LVR ≤80%
Interest
6.54%p.a.
Comparison*
8.22%p.a.
Est. repayment
$3,174
LVR 71 to 80%
Interest
6.74%p.a.
Comparison*
8.24%p.a.
Est. repayment
$3,240
LVR ≤80%
Interest
6.84%p.a.
Comparison*
8.25%p.a.
Est. repayment
$3,273
LVR ≤80%
Interest
7.34%p.a.
Comparison*
8.31%p.a.
Est. repayment
$3,441
LVR ≤80%
Interest
8.37%p.a.
Comparison*
8.43%p.a.
Est. repayment
$3,799
LVR ≤95%
Interest
8.37%p.a.
Comparison*
8.43%p.a.
Est. repayment
$3,799
LVR not stated
Interest
8.77%p.a.
Comparison*
8.82%p.a.
Est. repayment
$3,941
LVR ≤90%
*Important Information and Comparison Rate Warning
WARNING: This comparison rate applies only to the example or examples given. Different amounts and terms will result in different comparison rates. Costs such as redraw fees or early repayment fees, and cost savings such as fee waivers, are not included in the comparison rate but may influence the cost of the loan. The comparison rate displayed is based on a loan of $150,000 over a term of 25 years.
The information provided on this site is general in nature and does not take into account your objectives, financial situation or needs. Before acting on any information, consider whether it is appropriate for you and read the relevant Credit Guide and lender disclosures.
MyState Bank home loan repayment calculator
Pre-filled with MyState Bank's lowest advertised variable rate in the table above, 6.19% p.a. Change the loan amount, rate or term to model your own mortgage. Repayments are principal and interest estimates and exclude fees, so the comparison rate in the table is the better guide to total cost.
The amount you want to borrow.
MyState Bank's lowest variable today: 6.19%.
Most owner-occupier loans run 25 to 30 years.
Monthly repayment
$3,059
Fortnightly repayment
$1,412
Total interest
$601,276
30 years at 6.19% (P&I)
For a fuller model, use the repayment calculator, see how extra payments change the balance with the extra repayments calculator, or check what you can borrow with the borrowing power calculator.
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.
Since their February 2025 merger, sister brand Auswide Bank is worth comparing too, since each regional brand still sets its own home loan pricing.
Background facts checked 21 July 2026. Rates above refresh independently.
MyState Bank fees, offset and limits at a glance
- Application or establishment fee
- $300
- Discharge fee
- $380
- Settlement fee
- $350
- Additional valuation fee
- $200
- Rate lock fee
- 0.15% of loan amount or $395, whichever is greater
- Loan portability
- $275 Valuation fee, $150 Variation fee (plus discharge fee of $250)
- Offset account
- 100%
- Minimum offset balance
- >$0
- Lenders mortgage insurer
- QBE LMI
- Capitalising LMI
- O/O Purchase & Construction max 95% LVR (plus LMI) (subject to LMI policy).…
- Maximum total lending
- $3m max aggregate borrowings.
- Extra repayments on fixed
- $10,000 per annum is allowed, (cannot be redrawn).
- When the fixed rate is locked
- Rate is fixed at settlement unless paid for Rate Lock
Checked 4 Sept 2026. Lender fees and policy change without notice, so confirm the detail with the lender before you apply.
MyState Bank home loans: frequently asked questions
What are MyState Bank home loan rates?
MyState Bank home loan rates are in the live table on this page. The lowest variable rate Ratesniffers ranks is currently 6.19% p.a., and the lowest fixed rate is 6.54% p.a., checked daily (last verified 11 Sept 2026). Compare MyState Bank against the wider market at /home-loans. The /guides/comparison-rate explains the fee-inclusive figure used to rank the table. To model extra payments on a MyState Bank balance, use /calculators/extra-repayment.
What is the lowest MyState Bank home loan rate?
MyState Bank's lowest variable home loan rate is currently 6.19% p.a., and its lowest fixed rate is 6.54% p.a., based on the 28 MyState Bank products Ratesniffers ranks by comparison rate, checked daily (last verified 11 Sept 2026). The advertised rate isn't always the rate MyState Bank approves, a broker can often negotiate a sharper deal on your scenario.
What is the monthly repayment on a $600,000 MyState Bank home loan?
At MyState Bank's lowest variable rate of 6.19% p.a., a $600,000 principal and interest loan over 30 years repays about $3,671 a month, and $500,000 about $3,059. That is an estimate at the advertised rate before fees; the comparison rate in the table above carries the fees, and a fixed or interest-only loan repays differently.
How much do you need to earn for a $500,000 MyState Bank home loan?
There is no single salary. Like every Australian lender, MyState Bank must assess a new home loan at a rate at least 3 percentage points above the loan's rate under APRA's serviceability buffer, so 6.19% p.a. is assessed at about 9.19% p.a., then test that repayment against income after living expenses and other debts. The income required calculator at /calculators/income-required works this backwards from a property price and deposit.
How does MyState Bank's home loan rate compare to the market?
MyState Bank's lowest variable home loan rate today is 6.19% p.a., which is 5 basis points below the market median of 6.24% p.a., which puts MyState Bank among the more competitive lenders on variable rates 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 29 MyState Bank home loan products across variable, fixed and interest-only options for owner-occupiers and investors, and ranks the 28 that pass our data-quality checks on this page. Every rate is checked daily against each lender's current published pricing 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 6.22% 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 11 Sept 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.