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MyState Bank · Home loans
Fixed Rate Loan
MyState Bank's Fixed Rate 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 6.49% to 6.64%.
Advertised rate
6.64%
headline tier
Comparison rate
8.24%
as published
Last moved
+0.15pp
27 October 2026
Advertised rate, last 30 days. Between 6.49% and 6.64% over the last 30 days.
Every current rate (33)
| Tier | Rate | Comparison |
|---|---|---|
| Fixed 1 year, Owner occupier, P&I, LVR up to 70%LVR <=70% | 6.64% | 8.45% |
| Fixed 2 years, Owner occupier, P&I, LVR up to 70%LVR <=70% | 6.64% | 8.24% |
| Fixed 1 year, Owner occupier, P&I, LVR 70 to 80%LVR <=80% | 6.69% | 8.48% |
| Fixed 2 years, Owner occupier, P&I, LVR 70 to 80%LVR <=80% | 6.69% | 8.26% |
| Fixed 2 years, Owner occupier, P&I, LVR up to 98%Home Guarantee Scheme | 6.69% | 8.26% |
| Fixed 3 years, Owner occupier, P&I, LVR up to 70%LVR <=70% | 6.69% | 8.09% |
| Fixed 3 years, Owner occupier, P&I, LVR 70 to 80%LVR <=80% | 6.74% | 8.10% |
| Fixed 3 years, Owner occupier, P&I, LVR up to 98%Home Guarantee Scheme | 6.74% | 8.10% |
| Fixed 1 year, Investor, P&I, LVR up to 80%LVR <=80% | 6.84% | 8.47% |
| Fixed 1 year, Owner occupier, P&I, LVR 80 to 90%LVR <=90% | 6.89% | 8.48% |
| Fixed 2 years, Investor, P&I, LVR up to 80%LVR <=80% | 6.89% | 8.30% |
| Fixed 2 years, Owner occupier, P&I, LVR 80 to 90%LVR <=90% | 6.89% | 8.30% |
| Fixed 1 year, Investor, Interest only, LVR up to 80%LVR <=80% | 6.94% | 8.49% |
| Fixed 3 years, Investor, P&I, LVR up to 80%LVR <=80% | 6.94% | 8.16% |
| Fixed 3 years, Owner occupier, P&I, LVR 80 to 90%LVR <=90% | 6.94% | 8.16% |
| Fixed 2 years, Investor, Interest only, LVR up to 80%LVR <=80% | 6.99% | 8.33% |
| Fixed 1 year, Investor, P&I, LVR 80 to 90%LVR <=90% | 7.04% | 8.50% |
| Fixed 3 years, Investor, Interest only, LVR up to 80%LVR <=80% | 7.04% | 8.20% |
| Fixed 5 years, Owner occupier, P&I, LVR up to 80%LVR <=80% | 7.04% | 7.95% |
| Fixed 2 years, Investor, P&I, LVR 80 to 90%LVR <=90% | 7.09% | 8.35% |
| Fixed 1 year, Investor, Interest only, LVR 80 to 90%LVR <=90% | 7.14% | 8.51% |
| Fixed 3 years, Investor, P&I, LVR 80 to 90%LVR <=90% | 7.14% | 8.22% |
| Fixed 5 years, Investor, P&I, LVR up to 80%LVR <=80% | 7.14% | 7.99% |
| Fixed 2 years, Investor, Interest only, LVR 80 to 90%LVR <=90% | 7.19% | 8.37% |
| Fixed 3 years, Investor, Interest only, LVR 80 to 90%LVR <=90% | 7.24% | 8.26% |
| Fixed 5 years, Investor, Interest only, LVR up to 80%LVR <=80% | 7.24% | 8.05% |
| Fixed 5 years, Owner occupier, P&I, LVR 80 to 90%LVR <=90% | 7.24% | 8.04% |
| Fixed 5 years, Investor, P&I, LVR 80 to 90%LVR <=90% | 7.34% | 8.08% |
| Fixed 5 years, Investor, Interest only, LVR 80 to 90%LVR <=90% | 7.44% | 8.14% |
| Fixed 1 year, Owner occupier, Interest only, LVR up to 80%LVR <=80% | 7.49% | 8.55% |
| Fixed 2 years, Owner occupier, Interest only, LVR up to 80%LVR <=80% | 7.49% | 8.43% |
| Fixed 3 years, Owner occupier, Interest only, LVR up to 80%LVR <=80% | 7.54% | 8.35% |
| Fixed 5 years, Owner occupier, Interest only, LVR up to 80%LVR <=80% | 7.84% | 8.32% |
Rate moves, last 30 days
- 27 October 2026: 3 tiers lifted 0.10pp; the lowest, Fixed 1 year, Investor, Interest only, LVR up to 80%, from 6.84% to 6.94%.
- 27 October 2026: 17 tiers lifted 0.15pp; the lowest, Fixed 1 year, Owner occupier, P&I, LVR up to 70%, from 6.49% to 6.64%.
Published fees
| Fee | Amount |
|---|---|
| Settlement Feeupfront | $350 |
| Additional Valuation Fee (per each additional security)upfront | $200 |
| 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 |
| Subsequent dealingwhen it happens: Payable on a request for each consent given or subsequent dealing request approved under this loan contract. | $150 |
| 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 |
| Cheques deposited and dishonoured (per cheque)when it happens: Whenever a cheque deposited to your loan account is dishonoured | $20 |
| Establishment Fee - Increase to existing mortgage loansupfront | $350 |
| Arrears Administration Feewhen it happens: Payable on the seventh and the fourteenth day the account relating to the loan contract remains in arrears. | $30 |
| Overdrawn Administration Feewhen it happens | $30 |
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