Get a loan that's simple to use and easy to understand. Just a great low rate that helps you pay your home off faster. Available on new loans $100,000+, borrowing less than 90% of the property value subject to loan approval and lenders mortgage insurance requirements, with flexible repayment options, weekly, fortnightly or monthly.
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% | 6.77% | Variable · owner occupied · interest only · LVR 80% or less | CDR | 1 Nov 2026 | |
| 6.29% | 6.32% | Variable · owner occupied · principal and interest · LVR 60% or less | CDR | 1 Nov 2026 | |
| 6.44% | 6.47% | Variable · owner occupied · principal and interest · LVR 98% or less | CDR | 1 Nov 2026 | |
| 6.29% | 6.32% | Variable · owner occupied · principal and interest · LVR 60%–70% | CDR | 1 Nov 2026 | |
| 6.44% | 6.47% | Variable · owner occupied · principal and interest · LVR 70%–80% | CDR | 1 Nov 2026 | |
| 6.64% | 6.67% | Variable · owner occupied · principal and interest · LVR 80%–90% | CDR | 1 Nov 2026 | |
| 7.54% | 7.57% | 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.
Report an error
Anyone can report a value that looks wrong. The row is marked as disputed and keeps its value; when the lender's Consumer Data Right data next changes we check it and remove the mark.
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/fb4d69dc-3c6f-4881-b119-e7ef24574402- Content hash
sha256 4c8bb0aea0786cccd084e22dab8866d7f013e918decc606482782162df6bac32- Rule version
mapper@0.1.2
Consumer Data Right product dataev_cdr_4c8bb0aea0786ccc_e27b6c6eShow details
- Checked
- 1 Nov 2026
- URL
https://public.cdr.mystate.com.au/cds-au/v1/banking/products/fb4d69dc-3c6f-4881-b119-e7ef24574402- Content hash
sha256 4c8bb0aea0786cccd084e22dab8866d7f013e918decc606482782162df6bac32- 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 |
| Establishment Fee | Upfront | $0.00 |
| Mortgage preparation | Event | $95.00 |
| Progressive draw (per draw) | Event | $150.00 |
| Subsequent dealing | Event | $150.00 |
| Title production | Event | $150.00 |
| Letter of Variation | Event | $150.00 |
| Copy of Title | Event | $30.00 |
| Mortgage discharge | Event | $380.00 |
| Dishonour and Rejection fee (per dishonour) | Event | $5.00 |
| Arrears Administration Fee | Event | $30.00 |
| Establishment Fee - Increase to existing mortgage loans | Upfront | $350.00 |
| Cheques deposited and dishonoured (per cheque) | Event | $20.00 |
| Overdrawn Administration Fee | Event | $30.00 |
| Other default notices | Event | $30.00 |
| Non-insurance Renewal Service expense | Event | $25.00 |
| Demand notices | Event | $30.00 |
| Additional Valuation Fee (per each additional security) | Upfront | $200.00 |
| Switch Fee | Event | $150.00 |
| Non-insurance Renewal Service expense | Event | $25.00 |
| Establishment Fee | Upfront | $300.00 |
| Settlement Fee | Upfront | $350.00 |
| Additional Valuation Fee (per each additional security) | Event | $200.00 |
| Mortgage preparation | Event | $95.00 |
| Subsequent dealing | Event | $150.00 |
| Title production | Event | $150.00 |
| Progressive draw (per draw) | Event | $150.00 |
| Letter of Variation | Event | $150.00 |
| Copy of Title | Event | $30.00 |
| 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 |
| Overdrawn Administration Fee | Event | $30.00 |
| Other default notices | Event | $30.00 |
| Demand notices | Event | $30.00 |
| Non-insurance Renewal Service expense | Event | $25.00 |
| Switch Fee | Event | $150.00 |
| Arrears Administration Fee | Event | $30.00 |
Features and eligibility
| Item | Value | Details |
|---|---|---|
| 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. | |
| Redraw | Access any extra repayments you have made above your minimum monthly repayment requirement. | |
| Extra repayments | Additional repayments. Make unlimited additional repayments | |
| 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. | |
| 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 80%–90% | 1 Nov 2026 | Current | 6.89% | 6.94% |
| Variable · investment · interest only · LVR 60% or less | 1 Nov 2026 | Current | 6.54% | 6.59% |
| Variable · investment · interest only · LVR 80%–90% | 1 Nov 2026 | Current | 6.99% | 7.04% |
| Variable · owner occupied · principal and interest · LVR 60% or less | 1 Nov 2026 | Current | 6.29% | 6.32% |
| Variable · investment · principal and interest · LVR 60%–70% | 1 Nov 2026 | Current | 6.44% | 6.49% |
| Variable · owner occupied · principal and interest · LVR 60%–70% | 1 Nov 2026 | Current | 6.29% | 6.32% |
| Variable · investment · principal and interest · LVR 60% or less | 1 Nov 2026 | Current | 6.44% | 6.49% |
| Variable · owner occupied · principal and interest · LVR 90%–100% | 1 Nov 2026 | Current | 7.54% | 7.57% |
| Variable · owner occupied · interest only · LVR 80% or less | 1 Nov 2026 | Current | 6.74% | 6.77% |
| Variable · investment · principal and interest · LVR 90%–95% | 1 Nov 2026 | Current | 7.64% | 7.69% |
| Variable · owner occupied · principal and interest · LVR 70%–80% | 1 Nov 2026 | Current | 6.44% | 6.47% |
| Variable · investment · interest only · LVR 70%–80% | 1 Nov 2026 | Current | 6.59% | 6.64% |
| Variable · investment · interest only · LVR 60%–70% | 1 Nov 2026 | Current | 6.54% | 6.59% |
| Variable · owner occupied · principal and interest · LVR 98% or less | 1 Nov 2026 | Current | 6.44% | 6.47% |
| Variable · investment · principal and interest · LVR 70%–80% | 1 Nov 2026 | Current | 6.49% | 6.54% |
| Variable · owner occupied · principal and interest · LVR 80%–90% | 1 Nov 2026 | Current | 6.64% | 6.67% |
*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.
Registered channels
Lender staff and brokers registered with Homepedia, and the prices available through them. Separate from the product data above: it never changes the lender's rates or the order of any rate table.People registered for this product
No one is registered for this product yet. Lender staff and brokers can join through verification.