MyState offers a premium variable rate product for customers seeking a home loan in excess of $30,000. If you're buying or building your own home, a residential investment property, a block of land, looking to refinance your home loan from another lender or simply topping up your existing home loan with MyState, now is the time to take advantage of this great offer.
Product data
The lender's Consumer Data Right data, as collected by Homepedia. Nothing in this part comes from a channel.Rates
| Rate | Comparison* | Applies to | Conditions | Source | Since |
|---|---|---|---|---|---|
| 9.02% | 9.07% | Variable · investment · interest only · LVR 90% or less | CDR | 1 Nov 2026 | |
| 8.62% | 8.68% | Variable · investment · principal and interest · LVR 95% or less | CDR | 1 Nov 2026 | |
| 9.02% | 9.07% | Variable · owner occupied · interest only · LVR 80% or less | CDR | 1 Nov 2026 | |
| 8.62% | 8.68% | Variable · owner occupied · principal and interest · LVR 100% or less | CDR | 1 Nov 2026 |
*Comparison rates are calculated on a $150,000 secured loan over a term of 25 years. WARNING: This comparison rate is true only for the examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate. Fees and charges are payable.
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Source
CDR officialConsumer Data Right product dataShow where this comes from
- Fetched
- 1 Nov 2026
- URL
https://public.cdr.mystate.com.au/cds-au/v1/banking/products/8ef148c1-1466-483d-ac3c-ecc133bf1a20- Content hash
sha256 96448ed2863e5768470a3a607f0722e6aa0e666dc7afe741f2c252edf44e52d1- Rule version
mapper@0.1.2
Consumer Data Right product dataev_cdr_96448ed2863e5768_d8135be4Show details
- Checked
- 1 Nov 2026
- URL
https://public.cdr.mystate.com.au/cds-au/v1/banking/products/8ef148c1-1466-483d-ac3c-ecc133bf1a20- Content hash
sha256 96448ed2863e5768470a3a607f0722e6aa0e666dc7afe741f2c252edf44e52d1- Excerpt
- —
- Rule version
mapper@0.1.2
Page and PDF snapshots are kept by Homepedia; the hash above identifies the exact version we read. Data as at 1 Nov 2026.
Fees
| Fee | Type | Amount |
|---|---|---|
| Mortgage preparation | Event | $95.00 |
| Letter of Variation | Event | $150.00 |
| Mortgage discharge | Event | $380.00 |
| Dishonour and Rejection fee (per dishonour) | Event | $5.00 |
| Cheques deposited and dishonoured (per cheque) | Event | $20.00 |
| Other default notices | Event | $30.00 |
| Establishment Fee - Increase to existing mortgage loans | Upfront | $350.00 |
| Overdrawn Administration Fee | Event | $30.00 |
| Other default notices | Event | $30.00 |
| Demand notices | Event | $30.00 |
| Establishment Fee | Upfront | $300.00 |
| Title production | Event | $150.00 |
| Settlement Fee | Upfront | $350.00 |
| Additional Valuation Fee (per each additional security) | Upfront | $200.00 |
| Progressive draw (per draw) | Event | $150.00 |
| Subsequent dealing | Event | $150.00 |
| Copy of Title | Event | $30.00 |
| Switch Fee | Event | $150.00 |
| Arrears Administration Fee | Event | $30.00 |
| Overdrawn Administration Fee | Event | $30.00 |
| Non-insurance Renewal Service expense | Event | $25.00 |
Features and eligibility
| Item | Value | Details |
|---|---|---|
| Digital banking | Just another way you can connect your money with your lifestyle. From banking easily on the go with the MyState Bank App, or at home through Internet Banking, to making faster payments with digital wallets or PayID, there are more ways than ever to access your money. Keeping your bank accounts safe is a key priority for us, so you can be confident starting today. | |
| Other | What is Lenders Mortgage Insurance? Also known as LMI, this is insurance that generally protects the lender in the event you default on your repayments. This insurance is required if you're borrowing more than 80% of the property value. | |
| Offset | Our Offset Account is an everyday access account attached to your home loan. Your account balance is 100% offset against your linked Home Loan before the interest is calculated. So you pay less. The interest you save with an Offset Account can be huge over the life of the loan, and you can help shorten your loan term by years. | |
| Redraw | Access any extra repayments you have made above your minimum monthly repayment requirement. | |
| Extra repayments | Additional repayments. Make unlimited additional repayments | |
| Eligibility: residency status | An Australian citizen or permanent resident | |
| Eligibility: min age | 18 | A customer is or older than 18 years of age |
| Limit: min balance | 30000.00 |
Rate history
| Rate | From | To | Rate p.a. | Comparison |
|---|---|---|---|---|
| Variable · owner occupied · interest only · LVR 80% or less | 1 Nov 2026 | Current | 9.02% | 9.07% |
| Variable · investment · interest only · LVR 90% or less | 1 Nov 2026 | Current | 9.02% | 9.07% |
| Variable · owner occupied · principal and interest · LVR 100% or less | 1 Nov 2026 | Current | 8.62% | 8.68% |
| Variable · investment · principal and interest · LVR 95% or less | 1 Nov 2026 | Current | 8.62% | 8.68% |
*Comparison rates are calculated on a $150,000 secured loan over a term of 25 years. WARNING: This comparison rate is true only for the examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate. Fees and charges are payable.
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