Interest
7.34%p.a.
Comparison*
8.05%p.a.
Est. repayment
$3,441
LVR 80 to 90%
MyState Bank Home Loan Rates
MyState Bank lifted its variable home-loan rates by 0.25 percentage points from 8 October 2026, Ratesniffers records. Every lender's date is in the RBA rate pass-through tracker.
Tracked products
99
Variable product example
6.44%
A verified MyState Bank product example is Special Residential 70% - 80% LVR Owner Occupied P&I: 6.44% p.a. (6.55% comparison rate), variable, for an owner-occupier principal-and-interest loan at 80% LVR (listed LVR band 70% to 80%), as of 20 October 2026. This is a selected example, not every product or a personalised offer. 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.
Fixed product example
6.74%
A verified MyState Bank product example is 3 Year Standard Fixed 70% - 80% LVR Owner Occupied P&I: 6.74% p.a. (8.07% comparison rate), 36-month fixed, for an owner-occupier principal-and-interest loan at 80% LVR (listed LVR band 70% to 80%), as of 20 October 2026. This is a selected example, not every product or a personalised offer. 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.
Variable example comparison
6.55%
A verified MyState Bank product example is Special Residential 70% - 80% LVR Owner Occupied P&I: 6.44% p.a. (6.55% comparison rate), variable, for an owner-occupier principal-and-interest loan at 80% LVR (listed LVR band 70% to 80%), as of 20 October 2026. This is a selected example, not every product or a personalised offer. 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.
Last updated
1 November 2026
MyState Bank is one of the Australian home-loan lenders we track daily. We currently surface 99 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?
Ratesniffers compares MyState Bank home loan products by comparison rate. A verified MyState Bank product example is Special Residential 70% - 80% LVR Owner Occupied P&I: 6.44% p.a. (6.55% comparison rate), variable, for an owner-occupier principal-and-interest loan at 80% LVR (listed LVR band 70% to 80%), as of 20 October 2026. This is a selected example, not every product or a personalised offer. 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. A verified MyState Bank product example is 3 Year Standard Fixed 70% - 80% LVR Owner Occupied P&I: 6.74% p.a. (8.07% comparison rate), 36-month fixed, for an owner-occupier principal-and-interest loan at 80% LVR (listed LVR band 70% to 80%), as of 20 October 2026. This is a selected example, not every product or a personalised offer. 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. 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?
A verified MyState Bank product example is Special Residential 70% - 80% LVR Owner Occupied P&I: 6.44% p.a. (6.55% comparison rate), variable, for an owner-occupier principal-and-interest loan at 80% LVR (listed LVR band 70% to 80%), as of 20 October 2026. This is a selected example, not every product or a personalised offer. 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. A verified MyState Bank product example is 3 Year Standard Fixed 70% - 80% LVR Owner Occupied P&I: 6.74% p.a. (8.07% comparison rate), 36-month fixed, for an owner-occupier principal-and-interest loan at 80% LVR (listed LVR band 70% to 80%), as of 20 October 2026. This is a selected example, not every product or a personalised offer. 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. These selected examples do not establish the lowest rate across every product or borrower scenario.
How many home loan products does MyState Bank offer?
Ratesniffers currently tracks 99 MyState Bank home loan products across variable, fixed and interest-only options for owner-occupiers and investors, and ranks the 36 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 |
|---|---|---|---|
| Fixed 5-year Investor P&I | 7.34% p.a. | 8.05% p.a. | 90% |
| Fixed 3-year Owner-occupier P&I | 6.69% p.a. | 8.06% p.a. | 70% |
| Fixed 3-year Owner-occupier P&I | 6.74% p.a. | 8.07% p.a. | n/a |
| Fixed 3-year Owner-occupier P&I | 6.74% p.a. | 8.07% p.a. | 80% |
| Fixed 3-year Owner-occupier P&I | 6.74% p.a. | 8.07% p.a. | 95% |
| Fixed 3-year Investor P&I | 6.94% p.a. | 8.13% p.a. | 90% |
| Fixed 3-year Investor P&I | 6.94% p.a. | 8.13% p.a. | 80% |
| Fixed 3-year Owner-occupier P&I | 6.94% p.a. | 8.13% p.a. | 90% |
| Fixed 3-year Investor P&I | 7.14% p.a. | 8.19% p.a. | 90% |
| Fixed 3-year Investor interest-only | 7.04% p.a. | 8.20% p.a. | 90% |
| Fixed 2-year Owner-occupier P&I | 6.64% p.a. | 8.22% p.a. | 70% |
| Fixed 2-year Owner-occupier P&I | 6.69% p.a. | 8.23% p.a. | n/a |
36 of 99 tracked MyState Bank home loan products
Interest
6.69%p.a.
Comparison*
8.06%p.a.
Est. repayment
$3,223
LVR ≤70%
Interest
6.74%p.a.
Comparison*
8.07%p.a.
Est. repayment
$3,240
LVR 70 to 80%
Interest
6.74%p.a.
Comparison*
8.07%p.a.
Est. repayment
$3,240
LVR 70 to 80%
Interest
6.74%p.a.
Comparison*
8.07%p.a.
Est. repayment
$3,240
LVR ≤95%
Interest
6.94%p.a.
Comparison*
8.13%p.a.
Est. repayment
$3,306
LVR ≤80%
Interest
6.94%p.a.
Comparison*
8.13%p.a.
Est. repayment
$3,306
LVR ≤80%
Interest
6.94%p.a.
Comparison*
8.13%p.a.
Est. repayment
$3,306
LVR 80 to 90%
Interest
7.14%p.a.
Comparison*
8.19%p.a.
Est. repayment
$3,374
LVR 80 to 90%
Interest
7.04%p.a.
Comparison*
8.20%p.a.
Est. interest only / month
$2,933
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*
8.22%p.a.
Est. repayment
$3,207
LVR ≤70%
Interest
6.69%p.a.
Comparison*
8.23%p.a.
Est. repayment
$3,223
LVR 70 to 80%
Interest
6.69%p.a.
Comparison*
8.23%p.a.
Est. repayment
$3,223
LVR 70 to 80%
Interest
6.69%p.a.
Comparison*
8.23%p.a.
Est. repayment
$3,223
LVR ≤95%
Interest
6.89%p.a.
Comparison*
8.27%p.a.
Est. repayment
$3,290
LVR ≤80%
Interest
6.89%p.a.
Comparison*
8.27%p.a.
Est. repayment
$3,290
LVR ≤80%
Interest
6.89%p.a.
Comparison*
8.27%p.a.
Est. repayment
$3,290
LVR 80 to 90%
Interest
7.09%p.a.
Comparison*
8.32%p.a.
Est. repayment
$3,357
LVR 80 to 90%
Interest
7.84%p.a.
Comparison*
8.32%p.a.
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
6.99%p.a.
Comparison*
8.33%p.a.
Est. interest only / month
$2,913
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*
8.35%p.a.
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
6.64%p.a.
Comparison*
8.42%p.a.
Est. repayment
$3,207
LVR ≤70%
Interest
6.69%p.a.
Comparison*
8.43%p.a.
Est. repayment
$3,223
LVR 70 to 80%
Interest
6.69%p.a.
Comparison*
8.43%p.a.
Est. repayment
$3,223
LVR 70 to 80%
Interest
7.49%p.a.
Comparison*
8.43%p.a.
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
6.84%p.a.
Comparison*
8.44%p.a.
Est. repayment
$3,273
LVR ≤80%
Interest
6.84%p.a.
Comparison*
8.44%p.a.
Est. repayment
$3,273
LVR ≤80%
Interest
6.89%p.a.
Comparison*
8.45%p.a.
Est. repayment
$3,290
LVR 80 to 90%
Interest
7.04%p.a.
Comparison*
8.46%p.a.
Est. repayment
$3,340
LVR 80 to 90%
Interest
6.94%p.a.
Comparison*
8.49%p.a.
Est. interest only / month
$2,892
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*
8.55%p.a.
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
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%
Interest
9.02%p.a.
Comparison*
Not available
Est. interest only / month
$3,758
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
9.02%p.a.
Comparison*
Not available
Est. interest only / month
$3,758
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*
9.07%p.a.
Est. interest only / month
$2,767
LVR ≤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.
*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.
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 whose combined loan book has kept growing through FY26.
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 14 September 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
- Additional Valuation Fee (per additional security) $200 (where applicable) $150 Variation Fee, Mortgage…
- Offset account
- 100%
- Minimum offset balance
- >$0
- Lenders mortgage insurer
- Helia
- 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 8 Oct 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?
Ratesniffers compares MyState Bank home loan products by comparison rate. A verified MyState Bank product example is Special Residential 70% - 80% LVR Owner Occupied P&I: 6.44% p.a. (6.55% comparison rate), variable, for an owner-occupier principal-and-interest loan at 80% LVR (listed LVR band 70% to 80%), as of 20 October 2026. This is a selected example, not every product or a personalised offer. 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. A verified MyState Bank product example is 3 Year Standard Fixed 70% - 80% LVR Owner Occupied P&I: 6.74% p.a. (8.07% comparison rate), 36-month fixed, for an owner-occupier principal-and-interest loan at 80% LVR (listed LVR band 70% to 80%), as of 20 October 2026. This is a selected example, not every product or a personalised offer. 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. Compare MyState Bank at /home-loans. The /guides/comparison-rate explains the fee-inclusive figure used to rank the table. To model extra payments, use /calculators/extra-repayment.
What is the lowest MyState Bank home loan rate?
A verified MyState Bank product example is Special Residential 70% - 80% LVR Owner Occupied P&I: 6.44% p.a. (6.55% comparison rate), variable, for an owner-occupier principal-and-interest loan at 80% LVR (listed LVR band 70% to 80%), as of 20 October 2026. This is a selected example, not every product or a personalised offer. 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. A verified MyState Bank product example is 3 Year Standard Fixed 70% - 80% LVR Owner Occupied P&I: 6.74% p.a. (8.07% comparison rate), 36-month fixed, for an owner-occupier principal-and-interest loan at 80% LVR (listed LVR band 70% to 80%), as of 20 October 2026. This is a selected example, not every product or a personalised offer. 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. These selected examples do not establish the lowest rate across every product or borrower scenario.
What is the monthly repayment on a $600,000 MyState Bank home loan?
For a hypothetical $600,000 principal-and-interest loan over 30 years, keeping this variable interest rate unchanged gives about $3,769 a month before fees. The selected source example is Special Residential 70% - 80% LVR Owner Occupied P&I: 6.44% p.a. (6.55% comparison rate), variable, for an owner-occupier principal-and-interest loan at 80% LVR (listed LVR band 70% to 80%), as of 20 October 2026. Variable rates can change; this calculation does not establish eligibility or approval. 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. Use /calculators/repayment to model your own amount and term.
How much do you need to earn for a $500,000 MyState Bank home loan?
There is no single salary requirement for a MyState Bank home loan. The lender assesses income, expenses, debts and repayment capacity. APRA's residential mortgage framework generally requires governed authorised deposit-taking institutions to apply a minimum 3 percentage point buffer above the payable interest rate, ignoring temporary introductory discounts, with prudent limited policy exceptions. This does not establish MyState Bank's actual assessment rate or approval criteria. Confirm the applicable lender policy and use /calculators/income-required for an illustrative estimate, not approval.
How does MyState Bank's home loan rate compare to the market?
A verified MyState Bank product example is Special Residential 70% - 80% LVR Owner Occupied P&I: 6.44% p.a. (6.55% comparison rate), variable, for an owner-occupier principal-and-interest loan at 80% LVR (listed LVR band 70% to 80%), as of 20 October 2026. Across 30 covered listed lenders, the median advertised interest rate of one selected owner-occupier principal-and-interest variable example per lender at 80% LVR is 6.44% p.a., as of 20 October 2026. This describes those selected examples, not the whole market or rates approved for borrowers. 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.
How many home loan products does MyState Bank offer?
Ratesniffers currently tracks 99 MyState Bank home loan products across variable, fixed and interest-only options for owner-occupiers and investors, and ranks the 36 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?
Compare MyState Bank's available product conditions and total costs with your existing loan. A listed rate does not establish refinance eligibility. Allow for discharge, establishment and any fixed-loan early repayment costs, and confirm applicable lender terms before switching. Compare the table with /home-loans/refinance.
How often are MyState Bank's home loan rates updated?
Ratesniffers refreshes MyState Bank's home loan rates daily; this page was last updated 1 November 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.