MyState offers a premium variable rate product for customers seeking a home loan in excess of $100,000. 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 |
|---|---|---|---|---|---|
| 6.54% | 6.59% | Variable · investment · interest only · LVR 60% or less | CDR | 1 Nov 2026 | |
| 6.54% | 6.59% | Variable · investment · interest only · LVR 60%–70% | CDR | 1 Nov 2026 | |
| 6.59% | 6.64% | Variable · investment · interest only · LVR 70%–80% | CDR | 1 Nov 2026 | |
| 6.99% | 7.04% | Variable · investment · interest only · LVR 80%–90% | CDR | 1 Nov 2026 | |
| 6.44% | 6.49% | Variable · investment · principal and interest · LVR 60% or less | CDR | 1 Nov 2026 | |
| 6.44% | 6.49% | Variable · investment · principal and interest · LVR 60%–70% | CDR | 1 Nov 2026 | |
| 6.49% | 6.54% | Variable · investment · principal and interest · LVR 70%–80% | CDR | 1 Nov 2026 | |
| 6.89% | 6.94% | Variable · investment · principal and interest · LVR 80%–90% | CDR | 1 Nov 2026 | |
| 7.64% | 7.69% | Variable · investment · principal and interest · LVR 90%–95% | CDR | 1 Nov 2026 | |
| 6.74% | 6.79% | Variable · owner occupied · interest only · LVR 80% or less | CDR | 1 Nov 2026 | |
| 6.29% | 6.34% | Variable · owner occupied · principal and interest · LVR 60% or less | CDR | 1 Nov 2026 | |
| 6.44% | 6.49% | Variable · owner occupied · principal and interest · LVR 98% or less | CDR | 1 Nov 2026 | |
| 6.29% | 6.34% | Variable · owner occupied · principal and interest · LVR 60%–70% | CDR | 1 Nov 2026 | |
| 6.44% | 6.49% | Variable · owner occupied · principal and interest · LVR 70%–80% | CDR | 1 Nov 2026 | |
| 6.64% | 6.69% | Variable · owner occupied · principal and interest · LVR 80%–90% | CDR | 1 Nov 2026 | |
| 7.54% | 7.59% | Variable · owner occupied · principal and interest · LVR 90%–100% | 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/b83165c5-e1bc-4c08-9de0-4443be5ca14d- Content hash
sha256 42f26197884f58d5afa3d8bae987cc99c15e807e2027f1ee528bec1169284db0- Rule version
mapper@0.1.2
Consumer Data Right product dataev_cdr_42f26197884f58d5_f3cb3d6aShow details
- Checked
- 1 Nov 2026
- URL
https://public.cdr.mystate.com.au/cds-au/v1/banking/products/b83165c5-e1bc-4c08-9de0-4443be5ca14d- Content hash
sha256 42f26197884f58d5afa3d8bae987cc99c15e807e2027f1ee528bec1169284db0- 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 |
|---|---|---|
| Settlement Fee | Upfront | $350.00 |
| Additional Valuation Fee (per each additional security) | Upfront | $200.00 |
| Title production | Event | $150.00 |
| Letter of Variation | Event | $150.00 |
| Copy of Title | Event | $30.00 |
| Subsequent dealing | 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 |
| Establishment Fee - Increase to existing mortgage loans | Upfront | $350.00 |
| Arrears Administration Fee | Event | $30.00 |
| Overdrawn Administration Fee | Event | $30.00 |
| Other default notices | Event | $30.00 |
| Non-insurance Renewal Service expense | Event | $25.00 |
| Establishment Fee | Upfront | $300.00 |
| Fixed Rate Lock In Fee. | Event | 0.15% |
| Break Cost Fee | Other | Set in your letter of offer |
| Mortgage preparation | Event | $95.00 |
| Progressive draw (per draw) | Event | $150.00 |
| Switch Fee | Event | $150.00 |
| Demand notices | Event | $30.00 |
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 | 100000.00 |
Rate history
| Rate | From | To | Rate p.a. | Comparison |
|---|---|---|---|---|
| Variable · investment · principal and interest · LVR 60% or less | 1 Nov 2026 | Current | 6.44% | 6.49% |
| Variable · investment · principal and interest · LVR 60%–70% | 1 Nov 2026 | Current | 6.44% | 6.49% |
| Variable · owner occupied · principal and interest · LVR 98% or less | 1 Nov 2026 | Current | 6.44% | 6.49% |
| Variable · owner occupied · principal and interest · LVR 60%–70% | 1 Nov 2026 | Current | 6.29% | 6.34% |
| Variable · owner occupied · principal and interest · LVR 60% or less | 1 Nov 2026 | Current | 6.29% | 6.34% |
| Variable · investment · interest only · LVR 60% or less | 1 Nov 2026 | Current | 6.54% | 6.59% |
| Variable · investment · interest only · LVR 70%–80% | 1 Nov 2026 | Current | 6.59% | 6.64% |
| Variable · investment · interest only · LVR 80%–90% | 1 Nov 2026 | Current | 6.99% | 7.04% |
| Variable · owner occupied · principal and interest · LVR 70%–80% | 1 Nov 2026 | Current | 6.44% | 6.49% |
| Variable · investment · interest only · LVR 60%–70% | 1 Nov 2026 | Current | 6.54% | 6.59% |
| Variable · investment · principal and interest · LVR 70%–80% | 1 Nov 2026 | Current | 6.49% | 6.54% |
| Variable · investment · principal and interest · LVR 80%–90% | 1 Nov 2026 | Current | 6.89% | 6.94% |
| Variable · owner occupied · interest only · LVR 80% or less | 1 Nov 2026 | Current | 6.74% | 6.79% |
| Variable · owner occupied · principal and interest · LVR 90%–100% | 1 Nov 2026 | Current | 7.54% | 7.59% |
| Variable · investment · principal and interest · LVR 90%–95% | 1 Nov 2026 | Current | 7.64% | 7.69% |
| Variable · owner occupied · principal and interest · LVR 80%–90% | 1 Nov 2026 | Current | 6.64% | 6.69% |
*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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