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MyState Bank Fixed Rate Loan

Advertiser disclosure

The details shown below are for an owner occupier taking out a principal & interest loan between $30,000 and $3,000,000 with an LVR below 80%

The details shown below are for an owner occupier taking out a principal & interest loan between $30,000 and $3,000,000 with an LVR below 90%

The details shown below are for an owner occupier taking out a interest only loan between $30,000 and $3,000,000 with an LVR below 80%

The details shown below are for an investor taking out a principal & interest loan between $30,000 and $3,000,000 with an LVR below 80%

The details shown below are for an investor taking out a principal & interest loan between $30,000 and $3,000,000 with an LVR below 90%

The details shown below are for an investor taking out a interest only loan between $30,000 and $3,000,000 with an LVR below 80%

Choose the version of this loan that suits you best

  • Owner Occupier (Principal & Interest)

    LVR < 80%

    Loan: $30,000 $3,000,000

  • Owner Occupier (Principal & Interest)

    LVR 80%-90%

    Loan: $30,000 $3,000,000

  • Owner Occupier (Interest Only)

    LVR < 80%

    Loan: $30,000 $3,000,000

  • Investor (Principal & Interest)

    LVR < 80%

    Loan: $30,000 $3,000,000

  • Investor (Principal & Interest)

    LVR 80%-90%

    Loan: $30,000 $3,000,000

  • Investor (Interest Only)

    LVR < 80%

    Loan: $30,000 $3,000,000

Fixed 3 year rate
2.39% p.a.
Comparison Rate
4.04% p.a.
Service fee
$0.00
Upfront fee
$950
Fixed 3 year rate
2.99% p.a.
Comparison Rate
4.19% p.a.
Service fee
$0.00
Upfront fee
$950
Fixed 3 year rate
3.54% p.a.
Comparison Rate
4.62% p.a.
Service fee
$0.00
Upfront fee
$950
Fixed 3 year rate
2.79% p.a.
Comparison Rate
4.14% p.a.
Service fee
$0.00
Upfront fee
$950
Fixed 3 year rate
2.99% p.a.
Comparison Rate
4.19% p.a.
Service fee
$0.00
Upfront fee
$950
Fixed 3 year rate
2.89% p.a.
Comparison Rate
4.45% p.a.
Service fee
$0.00
Upfront fee
$950

Details

Rates and fees information correct as at 28 October 2020. Mozo has robust processes to ensure our site is updated to reflect the latest information from providers. There may be the odd occasion where updates are delayed, so please confirm information before purchasing.
Rates
  • n/a

  • n/a

  • n/a

  • n/a

  • 2.39% (4.39%*)

  • 2.39% (4.21%*)

  • 2.39% (4.04%*)

  • n/a

  • 3.79% (4.29%*)

  • n/a

  • n/a

  • 4.52% p.a.

Fees
  • $600.00

  • $0.00

  • $0.00

  • $350.00

  • n/a

  • $0.00

  • $380.00

Other financial bits
  • $30,000

  • $3,000,000

  • none

  • 80.00%

Features
  • Weekly, Fortnightly, Monthly

  • yes - free

  • none

  • no

  • none

  • yes

  • no

  • Extra repayments free up to $10,000 per annum during fixed rate period.

  • none

  • $2,000 refinance cashback, min $250k, <80% LVR, by 30 November 2020.

WARNING: This comparison rate applies only to the example or examples given. Different amounts and terms will result in different comparison rates. Costs such as redraw fees or early repayment fees, and cost savings such as fee waivers, are not included in the comparison rate but may influence the cost of the loan. The comparison rate displayed is for a secured loan with monthly principal and interest repayments for $150,000 over 25 years.

Details

Rates and fees information correct as at 28 October 2020. Mozo has robust processes to ensure our site is updated to reflect the latest information from providers. There may be the odd occasion where updates are delayed, so please confirm information before purchasing.
Rates
  • n/a

  • n/a

  • n/a

  • n/a

  • 2.99% (4.45%*)

  • 2.99% (4.31%*)

  • 2.99% (4.19%*)

  • n/a

  • 4.39% (4.54%*)

  • n/a

  • n/a

  • 4.52% p.a.

Fees
  • $600.00

  • $0.00

  • $0.00

  • $350.00

  • n/a

  • $0.00

  • $380.00

Other financial bits
  • $30,000

  • $3,000,000

  • 80.00%

  • 90.00%

Features
  • Weekly, Fortnightly, Monthly

  • yes - free

  • none

  • no

  • none

  • yes

  • no

  • Extra repayments free up to $10,000 per annum during fixed rate period.

  • none

  • $2,000 refinance cashback, min $250k, <80% LVR, by 30 November 2020.

WARNING: This comparison rate applies only to the example or examples given. Different amounts and terms will result in different comparison rates. Costs such as redraw fees or early repayment fees, and cost savings such as fee waivers, are not included in the comparison rate but may influence the cost of the loan. The comparison rate displayed is for a secured loan with monthly principal and interest repayments for $150,000 over 25 years.

Details

Rates and fees information correct as at 28 October 2020. Mozo has robust processes to ensure our site is updated to reflect the latest information from providers. There may be the odd occasion where updates are delayed, so please confirm information before purchasing.
Rates
  • n/a

  • n/a

  • n/a

  • n/a

  • 3.79% (4.88%*)

  • 3.54% (4.74%*)

  • 3.54% (4.62%*)

  • n/a

  • 4.39% (4.77%*)

  • n/a

  • n/a

  • 4.92% p.a.

Fees
  • $600.00

  • $0.00

  • $0.00

  • $350.00

  • n/a

  • $0.00

  • $380.00

Other financial bits
  • $30,000

  • $3,000,000

  • none

  • 80.00%

Features
  • Weekly, Fortnightly, Monthly

  • yes - free

  • none

  • no

  • none

  • yes

  • no

  • Extra repayments free up to $10,000 per annum during fixed rate period.

  • none

  • $2,000 refinance cashback, min $250k, <80% LVR, by 30 November 2020.

WARNING: This comparison rate applies only to the example or examples given. Different amounts and terms will result in different comparison rates. Costs such as redraw fees or early repayment fees, and cost savings such as fee waivers, are not included in the comparison rate but may influence the cost of the loan. The comparison rate displayed is for a secured loan with monthly principal and interest repayments for $150,000 over 25 years.

Details

Rates and fees information correct as at 28 October 2020. Mozo has robust processes to ensure our site is updated to reflect the latest information from providers. There may be the odd occasion where updates are delayed, so please confirm information before purchasing.
Rates
  • n/a

  • n/a

  • n/a

  • n/a

  • 2.99% (4.45%*)

  • 2.79% (4.28%*)

  • 2.79% (4.14%*)

  • n/a

  • 3.79% (4.29%*)

  • n/a

  • n/a

  • 4.52% p.a.

Fees
  • $600.00

  • $0.00

  • $0.00

  • $350.00

  • n/a

  • $0.00

  • $380.00

Other financial bits
  • $30,000

  • $3,000,000

  • none

  • 80.00%

Features
  • Weekly, Fortnightly, Monthly

  • yes - free

  • none

  • no

  • none

  • yes

  • no

  • Extra repayments free up to $10,000 per annum during fixed rate period.

  • $300 reduction to 2 year fixed rate establishment fee.

  • $2,000 refinance cashback, min $250k, <80% LVR, by 30 November 2020.

WARNING: This comparison rate applies only to the example or examples given. Different amounts and terms will result in different comparison rates. Costs such as redraw fees or early repayment fees, and cost savings such as fee waivers, are not included in the comparison rate but may influence the cost of the loan. The comparison rate displayed is for a secured loan with monthly principal and interest repayments for $150,000 over 25 years.

Details

Rates and fees information correct as at 28 October 2020. Mozo has robust processes to ensure our site is updated to reflect the latest information from providers. There may be the odd occasion where updates are delayed, so please confirm information before purchasing.
Rates
  • n/a

  • n/a

  • n/a

  • n/a

  • 3.19% (4.46%*)

  • 2.99% (4.31%*)

  • 2.99% (4.19%*)

  • n/a

  • 3.99% (4.37%*)

  • n/a

  • n/a

  • 4.52% p.a.

Fees
  • $600.00

  • $0.00

  • $0.00

  • $350.00

  • n/a

  • $0.00

  • $380.00

Other financial bits
  • $30,000

  • $3,000,000

  • 80.00%

  • 90.00%

Features
  • Weekly, Fortnightly, Monthly

  • yes - free

  • none

  • no

  • none

  • yes

  • no

  • Extra repayments free up to $10,000 per annum during fixed rate period.

  • $300 reduction to 2 year fixed rate establishment fee.

  • $2,000 refinance cashback, min $250k, <80% LVR, by 30 November 2020.

WARNING: This comparison rate applies only to the example or examples given. Different amounts and terms will result in different comparison rates. Costs such as redraw fees or early repayment fees, and cost savings such as fee waivers, are not included in the comparison rate but may influence the cost of the loan. The comparison rate displayed is for a secured loan with monthly principal and interest repayments for $150,000 over 25 years.

Details

Rates and fees information correct as at 28 October 2020. Mozo has robust processes to ensure our site is updated to reflect the latest information from providers. There may be the odd occasion where updates are delayed, so please confirm information before purchasing.
Rates
  • n/a

  • n/a

  • n/a

  • n/a

  • 3.19% (4.82%*)

  • 2.99% (4.64%*)

  • 2.89% (4.45%*)

  • n/a

  • 3.99% (4.60%*)

  • n/a

  • n/a

  • 4.92% p.a.

Fees
  • $600.00

  • $0.00

  • $0.00

  • $350.00

  • n/a

  • $0.00

  • $380.00

Other financial bits
  • $30,000

  • $3,000,000

  • none

  • 80.00%

Features
  • Weekly, Fortnightly, Monthly

  • yes - free

  • none

  • no

  • none

  • yes

  • no

  • Extra repayments free up to $10,000 per annum during fixed rate period.

  • none

  • $2,000 refinance cashback, min $250k, <80% LVR, by 30 November 2020.

WARNING: This comparison rate applies only to the example or examples given. Different amounts and terms will result in different comparison rates. Costs such as redraw fees or early repayment fees, and cost savings such as fee waivers, are not included in the comparison rate but may influence the cost of the loan. The comparison rate displayed is for a secured loan with monthly principal and interest repayments for $150,000 over 25 years.

Customer Reviews

How are MyState Bank home loans rated by the Mozo community?

Overall
7.3/10
Price
7.2/10
Features
6.5/10
Customer service
7.4/10
Convenience
7.5/10
Trust
7.4/10

Latest reviews of MyState Bank Fixed Rate Loan

  • Overall 6/10
    Average bank.

    Always had to fight to get a better rate and/or them to reduce their rate after official cuts. Even then, they never passed on full rate. I understand as a minor player in the market they have different pricing, costs etc. but that doesn't help me.

    Read full review

    Always had to fight to get a better rate and/or them to reduce their rate after official cuts. Even then, they never passed on full rate. I understand as a minor player in the market they have different pricing, costs etc. but that doesn't help me.

    Price
    7/10
    Features
    8/10
    Customer service
    5/10
    Convenience
    1/10
    Trust
    6/10
    Less
    Steve, Queensland reviewed 2 months ago
  • Overall 10/10
    Local banks are awesome!

    Great local bank with a broad range of products and services and they show that they actually care. Always very helpful and exceptionally friendly with great advice.

    Read full review

    Great local bank with a broad range of products and services and they show that they actually care. Always very helpful and exceptionally friendly with great advice.

    Price
    10/10
    Features
    10/10
    Customer service
    10/10
    Convenience
    10/10
    Trust
    10/10
    Less
    Cheyne, Tasmania reviewed about 1 year ago
  • Overall 3/10
    Needs better rates

    I think taking out a home loan with MyState was a bad choice. The rates are very expensive. I will wait for another 2.5 years after my fixed rate is over so I can move out to a better provider

    Read full review

    I think taking out a home loan with MyState was a bad choice. The rates are very expensive. I will wait for another 2.5 years after my fixed rate is over so I can move out to a better provider

    Price
    3/10
    Features
    1/10
    Customer service
    1/10
    Convenience
    3/10
    Trust
    3/10
    Less
    Parveen, Victoria reviewed about 1 year ago
  • Overall 7/10
    Excellent service and interest rates - fuss free

    There are no branches in Victoria which makes it tricky. But online and on the phone service is brilliant. Excellent rates.

    Read full review

    There are no branches in Victoria which makes it tricky. But online and on the phone service is brilliant. Excellent rates.

    Price
    10/10
    Features
    5/10
    Customer service
    10/10
    Convenience
    4/10
    Trust
    8/10
    Less
    Amy, Victoria reviewed about 5 years ago
  • Overall 1/10
    Terrible service

    This bank has terrible customer service, they do not look after their long term customers, getting a further loan from them is just too hard and drawn out, I wrote to them once complaining of the silly charges on the use of atms and I was told not to write any further messages to them, we have dealt with them for over 30 years can't stand them anymore, I could go on and on but the fact is this is a terrible bank.

    Read full review

    This bank has terrible customer service, they do not look after their long term customers, getting a further loan from them is just too hard and drawn out, I wrote to them once complaining of the silly charges on the use of atms and I was told not to write any further messages to them, we have dealt with them for over 30 years can't stand them anymore, I could go on and on but the fact is this is a terrible bank.

    Price
    4/10
    Features
    4/10
    Customer service
    3/10
    Convenience
    3/10
    Trust
    3/10
    Less
    John, Tasmania reviewed over 5 years ago
MyState Bank

About MyState Bank

MyState Bank is an Authorised Deposit-taking Institution and a national diversified financial services group headquartered in Tasmania. MyState Bank has strong roots in the Tasmanian community, offering lending, savings accounts, financial planning and insurance.

See MyState Bank home loans

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WARNING: This comparison rate applies only to the example or examples given. Different amounts and terms will result in different comparison rates. Costs such as redraw fees or early repayment fees, and cost savings such as fee waivers, are not included in the comparison rate but may influence the cost of the loan. The comparison rate displayed is for a secured loan with monthly principal and interest repayments for $150,000 over 25 years.