Interest
6.29%p.a.
Comparison*
Not available
Est. repayment
$3,092
LVR ≤60%
MyState Bank · Owner-occupier · Updated November 2026
MyState Bank Owner-occupier Home Loans, November 2026
MyState Bank lists 24 owner occupier home loans in the Ratesniffers index today. The lowest is 6.29% p.a., on Basic Variable <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 owner occupier home loan rates, November 2026
Interest
6.29%p.a.
Comparison*
Not available
Est. repayment
$3,092
LVR 60 to 70%
Interest
6.29%p.a.
Comparison*
6.40%p.a.
Est. repayment
$3,092
LVR ≤60%
Interest
6.29%p.a.
Comparison*
6.40%p.a.
Est. repayment
$3,092
LVR 60 to 70%
Interest
6.44%p.a.
Comparison*
Not available
Est. repayment
$3,141
LVR 70 to 80%
Interest
6.44%p.a.
Comparison*
Not available
Est. repayment
$3,141
LVR ≤95%
Interest
6.44%p.a.
Comparison*
6.54%p.a.
Est. repayment
$3,141
LVR 70 to 80%
Interest
6.44%p.a.
Comparison*
6.54%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 70 to 80%
Interest
6.64%p.a.
Comparison*
Not available
Est. repayment
$3,207
LVR 80 to 90%
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
6.74%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*
6.77%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
6.74%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
7.49%p.a.
Comparison*
Not available
Est. interest only / month
$3,121
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
7.49%p.a.
Comparison*
Not available
Est. interest only / month
$3,121
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
7.54%p.a.
Comparison*
Not available
Est. repayment
$3,510
LVR 90 to 95%
Interest
7.54%p.a.
Comparison*
Not available
Est. interest only / month
$3,142
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
7.64%p.a.
Comparison*
7.74%p.a.
Est. repayment
$3,544
LVR 90 to 95%
Interest
7.84%p.a.
Comparison*
Not available
Est. interest only / month
$3,267
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
7.04%p.a.
Comparison*
7.92%p.a.
Est. repayment
$3,340
LVR ≤80%
*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 · Owner-occupier
MyState Bank owner-occupier home loans, what to weigh
MyState Bank's owner-occupier panel, P&I and offset-eligible products at every LVR band, ranked sharpest-first by comparison rate. 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 owner-occupier option has the same price.
See also MyState Bank's full product range, repayment calculator, and refinance savings calculator.