Interest
6.29%p.a.
Comparison*
6.40%p.a.
Est. repayment
$3,092
LVR ≤60%
MyState Bank · Offset · Updated November 2026
MyState Bank Offset Account Home Loans, November 2026
MyState Bank lists 24 offset home loans in the Ratesniffers index today. The lowest is 6.29% p.a. (comparison rate 6.40% p.a.), on Special Residential <60% LVR Owner Occupied P&I. Rates differ by LVR tier and repayment type, so compare the comparison rate on each row below.
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MyState Bank offset home loan rates, November 2026
Interest
6.29%p.a.
Comparison*
6.40%p.a.
Est. repayment
$3,092
LVR 60 to 70%
Interest
6.49%p.a.
Comparison*
6.51%p.a.
Est. repayment
$3,157
LVR ≤95%
Interest
6.49%p.a.
Comparison*
6.51%p.a.
Est. repayment
$3,157
LVR 70 to 80%
Interest
6.44%p.a.
Comparison*
6.54%p.a.
Est. repayment
$3,141
LVR not stated
Interest
6.44%p.a.
Comparison*
6.54%p.a.
Est. repayment
$3,141
LVR 70 to 80%
Interest
6.44%p.a.
Comparison*
6.55%p.a.
Est. repayment
$3,141
LVR ≤60%
Interest
6.44%p.a.
Comparison*
6.55%p.a.
Est. repayment
$3,141
LVR 60 to 70%
Interest
6.44%p.a.
Comparison*
6.55%p.a.
Est. repayment
$3,141
LVR 70 to 80%
Interest
6.59%p.a.
Comparison*
Not available
Est. interest only / month
$2,746
LVR ≤60%
Based on a $500,000 balance
Average monthly interest assuming that balance and rate stay unchanged, excluding fees and offsets. Amounts can vary by month because lenders may calculate interest daily; later repayments may differ.
Interest
6.59%p.a.
Comparison*
Not available
Est. interest only / month
$2,746
LVR 60 to 70%
Based on a $500,000 balance
Average monthly interest assuming that balance and rate stay unchanged, excluding fees and offsets. Amounts can vary by month because lenders may calculate interest daily; later repayments may differ.
Interest
6.49%p.a.
Comparison*
6.60%p.a.
Est. repayment
$3,157
LVR 70 to 80%
Interest
6.64%p.a.
Comparison*
6.64%p.a.
Est. interest only / month
$2,767
LVR 70 to 80%
Based on a $500,000 balance
Average monthly interest assuming that balance and rate stay unchanged, excluding fees and offsets. Amounts can vary by month because lenders may calculate interest daily; later repayments may differ.
Interest
6.64%p.a.
Comparison*
Not available
Est. interest only / month
$2,767
LVR 70 to 80%
Based on a $500,000 balance
Average monthly interest assuming that balance and rate stay unchanged, excluding fees and offsets. Amounts can vary by month because lenders may calculate interest daily; later repayments may differ.
Interest
6.74%p.a.
Comparison*
Not available
Est. interest only / month
$2,808
LVR ≤80%
Based on a $500,000 balance
Average monthly interest assuming that balance and rate stay unchanged, excluding fees and offsets. Amounts can vary by month because lenders may calculate interest daily; later repayments may differ.
Interest
6.64%p.a.
Comparison*
6.75%p.a.
Est. repayment
$3,207
LVR 80 to 90%
Interest
6.74%p.a.
Comparison*
6.79%p.a.
Est. interest only / month
$2,808
LVR ≤80%
Based on a $500,000 balance
Average monthly interest assuming that balance and rate stay unchanged, excluding fees and offsets. Amounts can vary by month because lenders may calculate interest daily; later repayments may differ.
Interest
6.74%p.a.
Comparison*
6.79%p.a.
Est. interest only / month
$2,808
LVR ≤80%
Based on a $500,000 balance
Average monthly interest assuming that balance and rate stay unchanged, excluding fees and offsets. Amounts can vary by month because lenders may calculate interest daily; later repayments may differ.
Interest
6.99%p.a.
Comparison*
Not available
Est. interest only / month
$2,913
LVR 80 to 90%
Based on a $500,000 balance
Average monthly interest assuming that balance and rate stay unchanged, excluding fees and offsets. Amounts can vary by month because lenders may calculate interest daily; later repayments may differ.
Interest
6.89%p.a.
Comparison*
7.00%p.a.
Est. repayment
$3,290
LVR 80 to 90%
Interest
7.64%p.a.
Comparison*
7.74%p.a.
Est. repayment
$3,544
LVR 90 to 95%
Interest
7.64%p.a.
Comparison*
7.74%p.a.
Est. repayment
$3,544
LVR 90 to 95%
Interest
8.62%p.a.
Comparison*
8.72%p.a.
Est. repayment
$3,887
LVR ≤90%
Interest
8.62%p.a.
Comparison*
8.72%p.a.
Est. repayment
$3,887
LVR ≤95%
*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 · Offset
MyState Bank offset home loans, what to weigh
100% offset accounts reduce interest charged by the balance you keep in them without changing the headline rate. Best paired with salary-account direct deposit + tactical surplus parking. Rates and eligibility can differ across products and LVR tiers, so use the lender page above for current product-level figures rather than assuming every offset option has the same price.
See also MyState Bank's full product range, repayment calculator, and offset savings calculator.