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 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
| 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 | < 90% | $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 < 90%
Loan: $30,000 $3,000,000
Investor (Interest Only)
LVR < 80%
Loan: $30,000 $3,000,000
3.69% p.a.
4.66% p.a.
$0.00
MyState Bank Fixed Rate Loan
3.69% p.a.
4.66% p.a.
$0.00
3.89% p.a.
4.71% p.a.
$0.00
MyState Bank Fixed Rate Loan
3.89% p.a.
4.71% p.a.
$0.00
4.49% p.a.
4.87% p.a.
$0.00
MyState Bank Fixed Rate Loan
4.49% p.a.
4.87% p.a.
$0.00
4.09% p.a.
5.06% p.a.
$0.00
MyState Bank Fixed Rate Loan
4.09% p.a.
5.06% p.a.
$0.00
4.09% p.a.
4.77% p.a.
$0.00
MyState Bank Fixed Rate Loan
4.09% p.a.
4.77% 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
n/a
n/a
n/a
n/a
3.79% (4.88%*)
3.59% (4.74%*)
3.69% (4.66%*)
n/a
4.39% (4.77%*)
n/a
n/a
4.92% p.a.
$600.00
$0.00
$0.00
$350.00
n/a
$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
n/a
n/a
n/a
n/a
3.99% (4.90%*)
3.79% (4.78%*)
3.89% (4.71%*)
n/a
4.59% (4.85%*)
n/a
n/a
4.92% p.a.
$600.00
$0.00
$0.00
$350.00
n/a
$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
n/a
n/a
n/a
n/a
4.59% (4.96%*)
4.39% (4.89%*)
4.49% (4.87%*)
n/a
5.19% (5.10%*)
n/a
n/a
4.92% p.a.
$600.00
$0.00
$0.00
$350.00
n/a
$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
n/a
n/a
n/a
n/a
4.09% (5.27%*)
3.99% (5.14%*)
4.09% (5.06%*)
n/a
4.69% (5.12%*)
n/a
n/a
5.32% p.a.
$600.00
$0.00
$0.00
$350.00
n/a
$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
n/a
n/a
n/a
n/a
4.19% (4.92%*)
3.99% (4.82%*)
4.09% (4.77%*)
n/a
4.79% (4.93%*)
n/a
n/a
4.92% p.a.
$600.00
$0.00
$0.00
$350.00
n/a
$0.00
$250.00
$30,000
$3,000,000
none
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.
$300 reduction to 2 year fixed rate establishment fee.
n/a
n/a
n/a
n/a
4.29% (5.29%*)
4.19% (5.18%*)
4.29% (5.11%*)
n/a
4.89% (5.21%*)
n/a
n/a
5.32% p.a.
$600.00
$0.00
$0.00
$350.00
n/a
$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 | Victoria
reviewed almost 4 years ago
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 | Tasmania
reviewed over 4 years ago
They looked after us being owner builders ,, after commnwelth bank approved us then ,, we went on...
Read full review
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 ,,,,
Less
Jennifer | Tasmania
reviewed over 4 years ago
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 | Tasmania
reviewed over 4 years ago
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 | Tasmania
reviewed over 4 years ago
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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