With a fixed interest home loan rate your repayments remain the same for the selected term. With a guaranteed interest rate you know exactly how much you're going to pay every time. At the end of the selected term, the home loan interest rate converts to our Standard Variable Home Loan rate current at that time. A fixed home loan rate is great if you're buying an owner-occupied home, investment property, vacant land or refinancing home loans from another lender, and if you want protection from interest rate increases and certainty of repayments.
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 |
|---|---|---|---|---|---|
| 6.94% | 8.49% | Fixed · 1 year · investment · interest only · LVR 80% or less | CDR | 1 Nov 2026 | |
| 7.14% | 8.51% | Fixed · 1 year · investment · interest only · LVR 80%–90% | CDR | 1 Nov 2026 | |
| 6.99% | 8.33% | Fixed · 2 years · investment · interest only · LVR 80% or less | CDR | 1 Nov 2026 | |
| 7.19% | 8.37% | Fixed · 2 years · investment · interest only · LVR 80%–90% | CDR | 1 Nov 2026 | |
| 7.04% | 8.20% | Fixed · 3 years · investment · interest only · LVR 80% or less | CDR | 1 Nov 2026 | |
| 7.24% | 8.26% | Fixed · 3 years · investment · interest only · LVR 80%–90% | CDR | 1 Nov 2026 | |
| 7.24% | 8.05% | Fixed · 5 years · investment · interest only · LVR 80% or less | CDR | 1 Nov 2026 | |
| 7.44% | 8.14% | Fixed · 5 years · investment · interest only · LVR 80%–90% | CDR | 1 Nov 2026 | |
| 6.84% | 8.47% | Fixed · 1 year · investment · principal and interest · LVR 80% or less | CDR | 1 Nov 2026 | |
| 7.04% | 8.50% | Fixed · 1 year · investment · principal and interest · LVR 80%–90% | CDR | 1 Nov 2026 | |
| 6.89% | 8.30% | Fixed · 2 years · investment · principal and interest · LVR 80% or less | CDR | 1 Nov 2026 | |
| 7.09% | 8.35% | Fixed · 2 years · investment · principal and interest · LVR 80%–90% | CDR | 1 Nov 2026 | |
| 6.94% | 8.16% | Fixed · 3 years · investment · principal and interest · LVR 80% or less | CDR | 1 Nov 2026 | |
| 7.14% | 8.22% | Fixed · 3 years · investment · principal and interest · LVR 80%–90% | CDR | 1 Nov 2026 | |
| 7.14% | 7.99% | Fixed · 5 years · investment · principal and interest · LVR 80% or less | CDR | 1 Nov 2026 | |
| 7.34% | 8.08% | Fixed · 5 years · investment · principal and interest · LVR 80%–90% | CDR | 1 Nov 2026 | |
| 7.49% | 8.55% | Fixed · 1 year · owner occupied · interest only · LVR 80% or less | CDR | 1 Nov 2026 | |
| 7.49% | 8.43% | Fixed · 2 years · owner occupied · interest only · LVR 80% or less | CDR | 1 Nov 2026 | |
| 7.54% | 8.35% | Fixed · 3 years · owner occupied · interest only · LVR 80% or less | CDR | 1 Nov 2026 | |
| 7.84% | 8.32% | Fixed · 5 years · owner occupied · interest only · LVR 80% or less | CDR | 1 Nov 2026 | |
| 6.64% | 8.45% | Fixed · 1 year · owner occupied · principal and interest · LVR 70% or less | CDR | 1 Nov 2026 | |
| 6.69% | 8.48% | Fixed · 1 year · owner occupied · principal and interest · LVR 70%–80% | CDR | 1 Nov 2026 | |
| 6.89% | 8.48% | Fixed · 1 year · owner occupied · principal and interest · LVR 80%–90% | CDR | 1 Nov 2026 | |
| 6.64% | 8.24% | Fixed · 2 years · owner occupied · principal and interest · LVR 70% or less | CDR | 1 Nov 2026 | |
| 6.69% | 8.26% | Fixed · 2 years · owner occupied · principal and interest · LVR 98% or less | CDR | 1 Nov 2026 | |
| 6.69% | 8.26% | Fixed · 2 years · owner occupied · principal and interest · LVR 70%–80% | CDR | 1 Nov 2026 | |
| 6.89% | 8.30% | Fixed · 2 years · owner occupied · principal and interest · LVR 80%–90% | CDR | 1 Nov 2026 | |
| 6.69% | 8.09% | Fixed · 3 years · owner occupied · principal and interest · LVR 70% or less | CDR | 1 Nov 2026 | |
| 6.74% | 8.10% | Fixed · 3 years · owner occupied · principal and interest · LVR 98% or less | CDR | 1 Nov 2026 | |
| 6.74% | 8.10% | Fixed · 3 years · owner occupied · principal and interest · LVR 70%–80% | CDR | 1 Nov 2026 | |
| 6.94% | 8.16% | Fixed · 3 years · owner occupied · principal and interest · LVR 80%–90% | CDR | 1 Nov 2026 | |
| 7.04% | 7.95% | Fixed · 5 years · owner occupied · principal and interest · LVR 80% or less | CDR | 1 Nov 2026 | |
| 7.24% | 8.04% | Fixed · 5 years · owner occupied · principal and interest · LVR 80%–90% | 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/d79525be-1309-48e6-b034-4ed1a2ba17a1- Content hash
sha256 c5e84a59210d16ae12e5ca97fd904a16a539396a11e842a088603cae66ca9dd6- Rule version
mapper@0.1.2
Consumer Data Right product dataev_cdr_c5e84a59210d16ae_41701df4Show details
- Checked
- 1 Nov 2026
- URL
https://public.cdr.mystate.com.au/cds-au/v1/banking/products/d79525be-1309-48e6-b034-4ed1a2ba17a1- Content hash
sha256 c5e84a59210d16ae12e5ca97fd904a16a539396a11e842a088603cae66ca9dd6- 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 |
|---|---|---|
| Extra repayments | Additional repayments. Make additional repayments of up to $10K per fixed year. Redraw is not available during the fixed period. | |
| 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. | |
| 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 |
|---|---|---|---|---|
| Fixed · 3 years · investment · interest only · LVR 80%–90% | 1 Nov 2026 | Current | 7.24% | 8.26% |
| Fixed · 2 years · investment · principal and interest · LVR 80%–90% | 1 Nov 2026 | Current | 7.09% | 8.35% |
| Fixed · 5 years · owner occupied · interest only · LVR 80% or less | 1 Nov 2026 | Current | 7.84% | 8.32% |
| Fixed · 5 years · owner occupied · principal and interest · LVR 80%–90% | 1 Nov 2026 | Current | 7.24% | 8.04% |
| Fixed · 5 years · investment · interest only · LVR 80%–90% | 1 Nov 2026 | Current | 7.44% | 8.14% |
| Fixed · 2 years · owner occupied · principal and interest · LVR 70% or less | 1 Nov 2026 | Current | 6.64% | 8.24% |
| Fixed · 5 years · owner occupied · principal and interest · LVR 80% or less | 1 Nov 2026 | Current | 7.04% | 7.95% |
| Fixed · 3 years · owner occupied · principal and interest · LVR 80%–90% | 1 Nov 2026 | Current | 6.94% | 8.16% |
| Fixed · 3 years · owner occupied · principal and interest · LVR 70%–80% | 1 Nov 2026 | Current | 6.74% | 8.10% |
| Fixed · 3 years · investment · principal and interest · LVR 80% or less | 1 Nov 2026 | Current | 6.94% | 8.16% |
| Fixed · 2 years · owner occupied · interest only · LVR 80% or less | 1 Nov 2026 | Current | 7.49% | 8.43% |
| Fixed · 3 years · owner occupied · principal and interest · LVR 70% or less | 1 Nov 2026 | Current | 6.69% | 8.09% |
| Fixed · 5 years · investment · interest only · LVR 80% or less | 1 Nov 2026 | Current | 7.24% | 8.05% |
| Fixed · 5 years · investment · principal and interest · LVR 80%–90% | 1 Nov 2026 | Current | 7.34% | 8.08% |
| Fixed · 2 years · owner occupied · principal and interest · LVR 80%–90% | 1 Nov 2026 | Current | 6.89% | 8.30% |
| Fixed · 2 years · owner occupied · principal and interest · LVR 98% or less | 1 Nov 2026 | Current | 6.69% | 8.26% |
| Fixed · 2 years · owner occupied · principal and interest · LVR 70%–80% | 1 Nov 2026 | Current | 6.69% | 8.26% |
| Fixed · 1 year · owner occupied · principal and interest · LVR 80%–90% | 1 Nov 2026 | Current | 6.89% | 8.48% |
| Fixed · 2 years · investment · principal and interest · LVR 80% or less | 1 Nov 2026 | Current | 6.89% | 8.30% |
| Fixed · 1 year · investment · principal and interest · LVR 80% or less | 1 Nov 2026 | Current | 6.84% | 8.47% |
| Fixed · 5 years · investment · principal and interest · LVR 80% or less | 1 Nov 2026 | Current | 7.14% | 7.99% |
| Fixed · 3 years · owner occupied · interest only · LVR 80% or less | 1 Nov 2026 | Current | 7.54% | 8.35% |
| Fixed · 1 year · investment · interest only · LVR 80%–90% | 1 Nov 2026 | Current | 7.14% | 8.51% |
| Fixed · 3 years · owner occupied · principal and interest · LVR 98% or less | 1 Nov 2026 | Current | 6.74% | 8.10% |
| Fixed · 1 year · owner occupied · principal and interest · LVR 70%–80% | 1 Nov 2026 | Current | 6.69% | 8.48% |
| Fixed · 2 years · investment · interest only · LVR 80%–90% | 1 Nov 2026 | Current | 7.19% | 8.37% |
| Fixed · 1 year · owner occupied · interest only · LVR 80% or less | 1 Nov 2026 | Current | 7.49% | 8.55% |
| Fixed · 1 year · investment · interest only · LVR 80% or less | 1 Nov 2026 | Current | 6.94% | 8.49% |
| Fixed · 3 years · investment · interest only · LVR 80% or less | 1 Nov 2026 | Current | 7.04% | 8.20% |
| Fixed · 3 years · investment · principal and interest · LVR 80%–90% | 1 Nov 2026 | Current | 7.14% | 8.22% |
| Fixed · 1 year · owner occupied · principal and interest · LVR 70% or less | 1 Nov 2026 | Current | 6.64% | 8.45% |
| Fixed · 1 year · investment · principal and interest · LVR 80%–90% | 1 Nov 2026 | Current | 7.04% | 8.50% |
| Fixed · 2 years · investment · interest only · LVR 80% or less | 1 Nov 2026 | Current | 6.99% | 8.33% |
*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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