MyState Bank Fixed Rate Loan

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

  • 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

Details

Rates and fees information correct as at 22 August 2018.

Rates
  • 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.

Fees
  • $600.00

  • $0.00

  • $0.00

  • $350.00

  • none

  • $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

Details

Rates and fees information correct as at 22 August 2018.

Rates
  • 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.

Fees
  • $600.00

  • $0.00

  • $0.00

  • $350.00

  • none

  • $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

Details

Rates and fees information correct as at 22 August 2018.

Rates
  • 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.

Fees
  • $600.00

  • $0.00

  • $0.00

  • $350.00

  • none

  • $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

Details

Rates and fees information correct as at 22 August 2018.

Rates
  • 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.

Fees
  • $600.00

  • $0.00

  • $0.00

  • $350.00

  • none

  • $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

Details

Rates and fees information correct as at 22 August 2018.

Rates
  • 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.

Fees
  • $600.00

  • $0.00

  • $0.00

  • $350.00

  • none

  • $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.

Details

Rates and fees information correct as at 22 August 2018.

Rates
  • 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.

Fees
  • $600.00

  • $0.00

  • $0.00

  • $350.00

  • none

  • $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

Customer Reviews

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

Overall customer rating
6.6/10
Price
7.1/10
Features
6.2/10
Customer service
6.7/10
Convenience
6.7/10
Trust
6.7/10

Latest reviews of MyState Bank Fixed Rate Loan

  • 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 | VIC

    02 Oct 2015

  • 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 | TAS

    06 Mar 2015

  • Overall
    10/10
    Excellent service, competitive, the best

    I have been a long time customer and cannot fault Mystate service when I was looking at...

    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.

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

    Tracey | TAS

    23 Jan 2015

  • Overall
    8/10
    Fantastic customer service

    Mystate have dealt with our needs fairly and have always tried to help us out of sticky...

    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.

    Price
    6/10
    Features
    6/10
    Customer service
    5/10
    Convenience
    8/10
    Trust
    8/10

    Andrea | TAS

    08 Dec 2014

  • Overall
    2/10
    Not very competitive at all

    We have a redraw facility on homeloan as we pay extra into it. Every time we redraw OUR money it...

    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.

    Price
    3/10
    Features
    2/10
    Customer service
    7/10
    Convenience
    10/10
    Trust
    1/10

    Mozo reviewer | TAS

    03 Oct 2013

MyState Bank

About MyState Bank

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.

See MyState Bank home loans

*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.