MyState Bank · Variable · Updated November 2026

MyState Bank Variable Home Loans, November 2026

MyState Bank lists 24 variable 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 variable home loan rates, November 2026

MyState BankBasic Variable <60% LVR Owner Occupied P&I

VariableRedraw

Interest

6.29%p.a.

Comparison*

Not available

Est. repayment

$3,092

LVR ≤60%

Enquire

MyState BankBasic Variable 60% - 70% LVR Owner Occupied P&I

VariableRedraw

Interest

6.29%p.a.

Comparison*

Not available

Est. repayment

$3,092

LVR 60 to 70%

Enquire

MyState BankSpecial Residential <60% LVR Owner Occupied P&I

VariableOffsetRedraw

Interest

6.29%p.a.

Comparison*

6.40%p.a.

Est. repayment

$3,092

LVR ≤60%

Enquire

MyState BankSpecial Residential 60% - 70% LVR Owner Occupied P&I

VariableOffsetRedraw

Interest

6.29%p.a.

Comparison*

6.40%p.a.

Est. repayment

$3,092

LVR 60 to 70%

Enquire

MyState BankBasic Variable 70% - 80% LVR Owner Occupied P&I

VariableRedraw

Interest

6.44%p.a.

Comparison*

Not available

Est. repayment

$3,141

LVR 70 to 80%

Enquire

MyState BankBasic Variable Owner Occupied P&I (5% Deposit Scheme)

VariableRedraw

Interest

6.44%p.a.

Comparison*

Not available

Est. repayment

$3,141

LVR ≤95%

Enquire

MyState BankBasic Variable <60% LVR Investment P&I

VariableRedraw

Interest

6.44%p.a.

Comparison*

6.46%p.a.

Est. repayment

$3,141

LVR ≤60%

Enquire

MyState BankBasic Variable 60% - 70% LVR Investment P&I

VariableRedraw

Interest

6.44%p.a.

Comparison*

6.46%p.a.

Est. repayment

$3,141

LVR 60 to 70%

Enquire

MyState BankBasic Variable Loan

VariableRedraw

Interest

6.49%p.a.

Comparison*

6.51%p.a.

Est. repayment

$3,157

LVR 70 to 80%

Enquire

MyState BankStandard Variable Loan

VariableOffsetRedraw

Interest

6.49%p.a.

Comparison*

6.51%p.a.

Est. repayment

$3,157

LVR ≤95%

Enquire

MyState BankSpecial Residential Variable Loan

VariableOffsetRedraw

Interest

6.49%p.a.

Comparison*

6.51%p.a.

Est. repayment

$3,157

LVR 70 to 80%

Enquire

MyState BankBasic Variable 70% - 80% LVR Investment P&I

VariableRedraw

Interest

6.49%p.a.

Comparison*

6.51%p.a.

Est. repayment

$3,157

LVR 70 to 80%

Enquire

MyState BankBasic Variable Loan

VariableRedraw

Interest

6.44%p.a.

Comparison*

6.54%p.a.

Est. repayment

$3,141

LVR 70 to 80%

Enquire

MyState BankStandard Variable Loan

VariableOffsetRedraw

Interest

6.44%p.a.

Comparison*

6.54%p.a.

Est. repayment

$3,141

LVR not stated

Enquire

MyState BankSpecial Residential Variable Loan

VariableOffsetRedraw

Interest

6.44%p.a.

Comparison*

6.54%p.a.

Est. repayment

$3,141

LVR 70 to 80%

Enquire

MyState BankSpecial Residential <60% LVR Investment P&I

VariableOffsetRedraw

Interest

6.44%p.a.

Comparison*

6.55%p.a.

Est. repayment

$3,141

LVR ≤60%

Enquire

MyState BankSpecial Residential 60% - 70% LVR Investment P&I

VariableOffsetRedraw

Interest

6.44%p.a.

Comparison*

6.55%p.a.

Est. repayment

$3,141

LVR 60 to 70%

Enquire

MyState BankSpecial Residential 70% - 80% LVR Owner Occupied P&I

VariableOffsetRedraw

Interest

6.44%p.a.

Comparison*

6.55%p.a.

Est. repayment

$3,141

LVR 70 to 80%

Enquire

MyState BankSpecial Residential <60% LVR Investment IO

VariableOffsetRedraw

Interest

6.59%p.a.

Comparison*

Not available

Est. interest only / month

$2,746

LVR ≤60%

Based on a $500,000 balance

Enquire

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.

MyState BankSpecial Residential 60% - 70% LVR Investment IO

VariableOffsetRedraw

Interest

6.59%p.a.

Comparison*

Not available

Est. interest only / month

$2,746

LVR 60 to 70%

Based on a $500,000 balance

Enquire

MyState BankBasic Variable <60% LVR Investment IO

VariableRedraw

Interest

6.59%p.a.

Comparison*

Not available

Est. interest only / month

$2,746

LVR ≤60%

Based on a $500,000 balance

Enquire

MyState BankBasic Variable 60% - 70% LVR Investment IO

VariableRedraw

Interest

6.59%p.a.

Comparison*

Not available

Est. interest only / month

$2,746

LVR 60 to 70%

Based on a $500,000 balance

Enquire

MyState BankSpecial Residential 70% - 80% LVR Investment P&I

VariableOffsetRedraw

Interest

6.49%p.a.

Comparison*

6.60%p.a.

Est. repayment

$3,157

LVR 70 to 80%

Enquire

MyState BankBasic Variable Loan

VariableRedraw

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

Enquire

*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 · Variable

MyState Bank variable home loans, what to weigh

Variable rates move with the lender's pricing decisions and the cash rate cycle. Less certainty, more flexibility, unlimited extra repayments, full offset. 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 variable option has the same price.