MyState Bank Fixed Rate Loan

This product is available in different versions. Pick the right version for you here.

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 principal & interest loan between $30,000 and $3,000,000 with an LVR below 95%

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 (Principal & Interest)

    LVR 90%-95%

    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

3.19% p.a.

4.42% p.a.

$0.00

MyState Bank Fixed Rate Loan

3.19% p.a.

4.42% p.a.

$0.00

3.39% p.a.

4.47% p.a.

$0.00

MyState Bank Fixed Rate Loan

3.39% p.a.

4.47% p.a.

$0.00

4.49% p.a.

4.76% p.a.

$0.00

MyState Bank Fixed Rate Loan

4.49% p.a.

4.76% p.a.

$0.00

3.79% p.a.

4.87% p.a.

$0.00

MyState Bank Fixed Rate Loan

3.79% p.a.

4.87% p.a.

$0.00

3.39% p.a.

4.47% p.a.

$0.00

MyState Bank Fixed Rate Loan

3.39% p.a.

4.47% p.a.

$0.00

3.59% p.a.

4.52% p.a.

$0.00

MyState Bank Fixed Rate Loan

3.59% p.a.

4.52% p.a.

$0.00

3.49% p.a.

4.79% p.a.

$0.00

MyState Bank Fixed Rate Loan

3.49% p.a.

4.79% p.a.

$0.00

Details

Rates and fees information correct as at 16 December 2019. 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

  • 3.39% (4.71%*)

  • 3.19% (4.55%*)

  • 3.19% (4.42%*)

  • n/a

  • 3.99% (4.52%*)

  • n/a

  • n/a

  • 4.77% p.a.

Fees
  • $600.00

  • $0.00

  • $0.00

  • $350.00

  • n/a

  • $0.00

  • $250.00

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

  • none

*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 16 December 2019. 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

  • 3.59% (4.73%*)

  • 3.49% (4.60%*)

  • 3.39% (4.47%*)

  • n/a

  • 4.59% (4.76%*)

  • n/a

  • n/a

  • 4.77% p.a.

Fees
  • $600.00

  • $0.00

  • $0.00

  • $350.00

  • n/a

  • $0.00

  • $250.00

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

  • none

*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 16 December 2019. 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

  • 4.59% (4.82%*)

  • 4.39% (4.77%*)

  • 4.49% (4.76%*)

  • n/a

  • 5.19% (5.02%*)

  • n/a

  • n/a

  • 4.77% p.a.

Fees
  • $600.00

  • $0.00

  • $0.00

  • $350.00

  • n/a

  • $0.00

  • $250.00

Other financial bits
  • $30,000

  • $3,000,000

  • 90.00%

  • 95.00%

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

  • none

*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 16 December 2019. 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

  • 3.99% (5.12%*)

  • 3.79% (4.98%*)

  • 3.79% (4.87%*)

  • n/a

  • 4.59% (4.99%*)

  • n/a

  • n/a

  • 5.17% p.a.

Fees
  • $600.00

  • $0.00

  • $0.00

  • $350.00

  • n/a

  • $0.00

  • $250.00

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

  • none

*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 16 December 2019. 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

  • 3.89% (4.75%*)

  • 3.49% (4.60%*)

  • 3.39% (4.47%*)

  • n/a

  • 4.29% (4.64%*)

  • n/a

  • n/a

  • 4.77% p.a.

Fees
  • $600.00

  • $0.00

  • $0.00

  • $350.00

  • n/a

  • $0.00

  • $250.00

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.

  • none

*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 16 December 2019. 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

  • 4.09% (4.77%*)

  • 3.69% (4.64%*)

  • 3.59% (4.52%*)

  • n/a

  • 4.49% (4.72%*)

  • n/a

  • n/a

  • 4.77% p.a.

Fees
  • $600.00

  • $0.00

  • $0.00

  • $350.00

  • n/a

  • $0.00

  • $250.00

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.

  • none

*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 16 December 2019. 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

  • 4.09% (5.13%*)

  • 3.69% (4.96%*)

  • 3.49% (4.79%*)

  • n/a

  • 4.49% (4.95%*)

  • n/a

  • n/a

  • 5.17% p.a.

Fees
  • $600.00

  • $0.00

  • $0.00

  • $350.00

  • n/a

  • $0.00

  • $250.00

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

  • none

*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 customer rating
7.4/10
Price
7.2/10
Features
6.4/10
Customer service
7.6/10
Convenience
7.6/10
Trust
7.5/10

Latest reviews of MyState Bank Fixed Rate Loan

  • Overall
    10/10
    Local banks are awesome!

    Great local bank with a broad range of products and services and they show that they actually...

    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

    Cheyne | Tasmania

    reviewed 2 months 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...

    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

    Parveen | Victoria

    reviewed 3 months 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...

    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

    Amy | Victoria

    reviewed about 4 years ago

  • Overall
    1/10
    Terrible service

    This bank has terrible customer service, they do not look after their long term customers,...

    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

    John | Tasmania

    reviewed almost 5 years ago

  • Overall
    10/10
    Who ever gives the best deal :) :honest people

    They looked after us being owner builders ,, after commnwelth bank approved us then ,, we went on...

    They looked after us being owner builders ,, after commnwelth bank approved us then ,, we went on holidays for a month, apparently rules changed about owen builders ,, they new new we brought a block of ground ,,,, when we came back they said no ,,,, we were both working full time ,,,, been approved then nocked back ,,,, why can one do it for you and the other couldent ....?...... then commonwelth bank rang us to see why we dident go with them ,,,,

    Price
    8/10
    Features
    7/10
    Customer service
    10/10
    Convenience
    9/10
    Trust
    10/10

    Jennifer | Tasmania

    reviewed almost 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.

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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.