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MyState Bank · Home loans
Basic Variable Loan
MyState Bank's Basic Variable Loan is a home loan. The figures are the ones MyState Bank publishes under the Consumer Data Right today. The advertised rate last moved on 27 October 2026, up from 6.04% to 6.29%.
Advertised rate
6.29%
headline tier
Comparison rate
6.32%
as published
Last moved
+0.25pp
27 October 2026
Advertised rate, last 30 days. Between 6.04% and 6.29% over the last 30 days.
Every current rate (16)
| Tier | Rate | Comparison |
|---|---|---|
| Variable, Owner occupier, P&I, LVR up to 60%LVR <=60% | 6.29% | 6.32% |
| Variable, Owner occupier, P&I, LVR 60 to 70%LVR <=70% | 6.29% | 6.32% |
| Variable, Investor, P&I, LVR up to 60%LVR<=60% | 6.44% | 6.49% |
| Variable, Investor, P&I, LVR 60 to 70%LVR<=70% | 6.44% | 6.49% |
| Variable, Owner occupier, P&I, LVR 70 to 80%LVR <=80% | 6.44% | 6.47% |
| Variable, Owner occupier, P&I, LVR up to 98%Home Guarantee Scheme | 6.44% | 6.47% |
| Variable, Investor, P&I, LVR 70 to 80%LVR<=80% | 6.49% | 6.54% |
| Variable, Investor, Interest only, LVR up to 60%LVR <=60% | 6.54% | 6.59% |
| Variable, Investor, Interest only, LVR 60 to 70%LVR <=70% | 6.54% | 6.59% |
| Variable, Investor, Interest only, LVR 70 to 80%LVR <=80% | 6.59% | 6.64% |
| Variable, Owner occupier, P&I, LVR 80 to 90%LVR <=90% | 6.64% | 6.67% |
| Variable, Owner occupier, Interest only, LVR up to 80%LVR <=80% | 6.74% | 6.77% |
| Variable, Investor, P&I, LVR 80 to 90%LVR <=90% | 6.89% | 6.94% |
| Variable, Investor, Interest only, LVR 80 to 90%LVR <=90% | 6.99% | 7.04% |
| Variable, Owner occupier, P&I, LVR 90 to 100%LVR <=100% | 7.54% | 7.57% |
| Variable, Investor, P&I, LVR 90 to 95%LVR <=95% | 7.64% | 7.69% |
Rate moves, last 30 days
- 27 October 2026: 3 tiers lifted 0.20pp; the lowest, Variable, Investor, Interest only, LVR 60 to 70%, from 6.34% to 6.54%.
- 27 October 2026: 13 tiers lifted 0.25pp; the lowest, Variable, Owner occupier, P&I, LVR 60 to 70%, from 6.04% to 6.29%.
Published fees
| Fee | Amount |
|---|---|
| Settlement Feeupfront | $350 |
| Establishment Feeupfront | $0 |
| Mortgage preparationwhen it happens: Payable on the preparation of each new mortgage over the goods or property required to secure this loan contract | $95 |
| Progressive draw (per draw)when it happens: Payable on an approval of each progressive draw request. | $150 |
| Subsequent dealingwhen it happens: Payable on a request for each consent given or subsequent dealing request approved under this loan contract. | $150 |
| Title productionwhen it happens: Payable upon a request to produce the certificate of title. | $150 |
| Letter of Variationwhen it happens: Payable on approval of each variation under this loan contract. | $150 |
| Copy of Titlewhen it happens: Payable upon a request to provide a copy of the certificate of Title | $30 |
| Mortgage dischargewhen it happens: Payable on discharge of security | $380 |
| Dishonour and Rejection fee (per dishonour)when it happens: Whenever a payment to your loan account is dishonoured or rejected. | $5 |
| Arrears Administration Feewhen it happens: Payable on the seventh and the fourteenth day the account relating to the loan contract remains in arrears. | $30 |
| Establishment Fee - Increase to existing mortgage loansupfront | $350 |
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