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 interest only loan between $30,000 and $3,000,000 with an LVR below 80%
Choose the version of loan that suits you best
| Availability | Loan type | LVR | Min loan amount | Max loan amount | |
|---|---|---|---|---|---|
| | Owner Occupier | Principal & Interest | < 80% | $30,000 | $3,000,000 |
| | Owner Occupier | Principal & Interest | 80%-90% | $30,000 | $3,000,000 |
| | Owner Occupier | Principal & Interest | 90%-95% | $30,000 | $3,000,000 |
| | Owner Occupier | Interest Only | < 80% | $30,000 | $3,000,000 |
| | Investor | Principal & Interest | < 80% | $30,000 | $3,000,000 |
| | Investor | Interest Only | < 80% | $30,000 | $3,000,000 |
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 (Interest Only)
LVR < 80%
Loan: $30,000 $3,000,000
3.84% p.a.
4.99% p.a.
$0.00
MyState Bank Fixed Rate Loan
3.84% p.a.
4.99% p.a.
$0.00
3.84% p.a.
4.99% p.a.
$0.00
MyState Bank Fixed Rate Loan
3.84% p.a.
4.99% p.a.
$0.00
4.59% p.a.
5.19% p.a.
$0.00
MyState Bank Fixed Rate Loan
4.59% p.a.
5.19% p.a.
$0.00
4.04% p.a.
5.33% p.a.
$0.00
MyState Bank Fixed Rate Loan
4.04% p.a.
5.33% p.a.
$0.00
4.29% p.a.
5.11% p.a.
$0.00
MyState Bank Fixed Rate Loan
4.29% p.a.
5.11% p.a.
$0.00
4.49% p.a.
5.45% p.a.
$0.00
MyState Bank Fixed Rate Loan
4.49% p.a.
5.45% p.a.
$0.00
Rates and fees information correct as at 22 August 2018.
p.a.
p.a.
0 Months
none
3.89% (5.25%*)
3.75% (5.09%*)
3.84% (4.99%*)
(*)
4.59% (5.08%*)
(*)
(*)
5.32% p.a.
$600.00
$0.00
$0.00
$350.00
none
$0.00
$250.00
$30,000
$3,000,000
none
80.00%
Weekly, Fortnightly, Monthly
yes - free
none
no
none
yes
no
Extra repayments free up to $10,000 per annum during fixed rate period.
none
Rates and fees information correct as at 22 August 2018.
p.a.
p.a.
0 Months
none
4.49% (5.31%*)
4.49% (5.23%*)
3.84% (4.99%*)
(*)
4.79% (5.16%*)
(*)
(*)
5.32% p.a.
$600.00
$0.00
$0.00
$350.00
none
$0.00
$250.00
$30,000
$3,000,000
80.00%
90.00%
Weekly, Fortnightly, Monthly
yes - free
none
no
none
yes
no
Extra repayments free up to $10,000 per annum during fixed rate period.
none
Rates and fees information correct as at 22 August 2018.
p.a.
p.a.
0 Months
none
4.49% (5.31%*)
4.49% (5.23%*)
4.59% (5.19%*)
(*)
4.79% (5.16%*)
(*)
(*)
5.32% p.a.
$600.00
$0.00
$0.00
$350.00
none
$0.00
$250.00
$30,000
$3,000,000
90.00%
95.00%
Weekly, Fortnightly, Monthly
yes - free
none
no
none
yes
no
Extra repayments free up to $10,000 per annum during fixed rate period.
none
Rates and fees information correct as at 22 August 2018.
p.a.
p.a.
0 Months
none
4.09% (5.63%*)
3.95% (5.45%*)
4.04% (5.33%*)
(*)
4.79% (5.39%*)
(*)
(*)
5.72% p.a.
$600.00
$0.00
$0.00
$350.00
none
$0.00
$250.00
$30,000
$3,000,000
none
80.00%
Weekly, Fortnightly, Monthly
yes - free
none
no
none
yes
no
Extra repayments free up to $10,000 per annum during fixed rate period.
none
Rates and fees information correct as at 22 August 2018.
p.a.
p.a.
0 Months
none
4.29% (5.29%*)
3.99% (5.14%*)
4.29% (5.11%*)
(*)
4.69% (5.12%*)
(*)
(*)
5.32% p.a.
$600.00
$0.00
$0.00
$350.00
none
$0.00
$250.00
$30,000
$3,000,000
none
80.00%
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.
Rates and fees information correct as at 22 August 2018.
p.a.
p.a.
0 Months
none
4.49% (5.67%*)
4.69% (5.59%*)
4.49% (5.45%*)
(*)
4.89% (5.44%*)
(*)
(*)
5.72% p.a.
$600.00
$0.00
$0.00
$350.00
none
$0.00
$250.00
$30,000
$3,000,000
none
80.00%
Weekly, Fortnightly, Monthly
yes - free
none
no
none
yes
no
Extra repayments free up to $10,000 per annum during fixed rate period.
none
There are no branches in Victoria which makes it tricky. But online and on the phone service is...
Read full review
There are no branches in Victoria which makes it tricky. But online and on the phone service is brilliant. Excellent rates.
Less
Amy | VIC
02 Oct 2015
This bank has terrible customer service, they do not look after their long term customers,...
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.
Less
John | TAS
06 Mar 2015
I have been a long time customer and cannot fault Mystate service when I was looking at...
Read full review
I have been a long time customer and cannot fault Mystate service when I was looking at refinancing my loan. Other banks did not offer me too much of a discount where Mystate offered a better rate, made my offset exempt from fees and generally gave me the best deal possible to,keep their loyal customer. Nothing to dislike as I have been a customer for over 25 years and Mystate has always given me the best service even when I feel the urge to compare rates. Give them a go you have nothing to lose. My experiences are all positive and I have had many housing loans and rental property loans.
Less
Tracey | TAS
23 Jan 2015
Mystate have dealt with our needs fairly and have always tried to help us out of sticky...
Read full review
Mystate have dealt with our needs fairly and have always tried to help us out of sticky situations. Due to me not working because of terminal illness and also my 2 sons one passing away in 2012 we have occasionally been behind in payments. The staff at Mystate have always helped us out. Can not thank them enough.
Less
Andrea | TAS
08 Dec 2014
We have a redraw facility on homeloan as we pay extra into it. Every time we redraw OUR money it...
Read full review
We have a redraw facility on homeloan as we pay extra into it. Every time we redraw OUR money it costs us $30. They are also very slow to pass on home loan cuts.
Less
Mozo reviewer | TAS
03 Oct 2013
MyState is an Authorised Deposit-taking Institution and a wholly owned subsidiary of MyState Limited, a national diversified financial services group headquartered in Tasmania. MyState has strong roots in the Tasmanian community, offering lending, savings accounts, financial planning and insurance.
