Choose the version of this loan that suits you best
| Availability | Loan type | LVR | Min loan amount | Max loan amount | |
|---|---|---|---|---|---|
|
|
Owner Occupier | Principal & Interest | < 60% | $100,000 | $3,000,000 |
|
|
Owner Occupier | Principal & Interest | < 70% | $100,000 | $3,000,000 |
|
|
Owner Occupier | Principal & Interest | < 80% | $100,000 | $3,000,000 |
|
|
Owner Occupier | Principal & Interest | 90%-98% | $100,000 | $3,000,000 |
|
|
Owner Occupier | Principal & Interest | 80%-90% | $100,000 | $3,000,000 |
|
|
Owner Occupier | Interest Only | < 80% | $100,000 | $3,000,000 |
|
|
Investor | Principal & Interest | < 60% | $100,000 | $3,000,000 |
|
|
Investor | Principal & Interest | < 70% | $100,000 | $3,000,000 |
|
|
Investor | Principal & Interest | < 80% | $100,000 | $3,000,000 |
|
|
Investor | Principal & Interest | 80%-90% | $100,000 | $3,000,000 |
|
|
Investor | Interest Only | < 80% | $100,000 | $3,000,000 |
|
|
Investor | Interest Only | 80%-90% | $100,000 | $3,000,000 |
|
6.14% p.a. |
|
|
n/a |
|
|
n/a |
|
|
n/a |
|
|
6.20% p.a. |
|
|
n/a |
|
|
n/a |
|
|
n/a |
|
|
n/a |
|
|
n/a |
|
|
n/a |
|
|
n/a |
|
|
n/a |
|
$450.00 |
|
|
$0.00 |
|
|
$0.00 |
|
|
$350.00 |
|
|
n/a |
|
|
$0.00 |
|
|
$380.00 |
|
$100,000 |
|
|
$3,000,000 |
|
|
none |
|
|
60.00% |
|
Owner Occupier |
|
|
Principal & Interest |
|
|
Weekly, Fortnightly, Monthly |
|
|
yes - free |
|
|
none |
|
|
yes - free |
|
|
$1.00 |
|
|
yes |
|
|
yes |
|
|
none |
|
|
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.
|
6.19% p.a. |
|
|
n/a |
|
|
n/a |
|
|
n/a |
|
|
6.25% p.a. |
|
|
n/a |
|
|
n/a |
|
|
n/a |
|
|
n/a |
|
|
n/a |
|
|
n/a |
|
|
n/a |
|
|
n/a |
|
$450.00 |
|
|
$0.00 |
|
|
$0.00 |
|
|
$350.00 |
|
|
n/a |
|
|
$0.00 |
|
|
$380.00 |
|
$100,000 |
|
|
$3,000,000 |
|
|
none |
|
|
70.00% |
|
Owner Occupier |
|
|
Principal & Interest |
|
|
Weekly, Fortnightly, Monthly |
|
|
yes - free |
|
|
none |
|
|
yes - free |
|
|
$1.00 |
|
|
yes |
|
|
yes |
|
|
none |
|
|
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.
|
6.24% p.a. |
|
|
n/a |
|
|
n/a |
|
|
n/a |
|
|
6.30% p.a. |
|
|
n/a |
|
|
n/a |
|
|
n/a |
|
|
n/a |
|
|
n/a |
|
|
n/a |
|
|
n/a |
|
|
n/a |
|
$450.00 |
|
|
$0.00 |
|
|
$0.00 |
|
|
$350.00 |
|
|
n/a |
|
|
$0.00 |
|
|
$380.00 |
|
$100,000 |
|
|
$3,000,000 |
|
|
none |
|
|
80.00% |
|
Owner Occupier |
|
|
Principal & Interest |
|
|
Weekly, Fortnightly, Monthly |
|
|
yes - free |
|
|
none |
|
|
yes - free |
|
|
$1.00 |
|
|
yes |
|
|
yes |
|
|
none |
|
|
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.
|
7.39% p.a. |
|
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n/a |
|
|
n/a |
|
|
n/a |
|
|
7.46% p.a. |
|
|
n/a |
|
|
n/a |
|
|
n/a |
|
|
n/a |
|
|
n/a |
|
|
n/a |
|
|
n/a |
|
|
n/a |
|
$450.00 |
|
|
$0.00 |
|
|
$0.00 |
|
|
$350.00 |
|
|
n/a |
|
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$0.00 |
|
|
$380.00 |
|
$100,000 |
|
|
$3,000,000 |
|
|
90.00% |
|
|
98.00% |
|
Owner Occupier |
|
|
Principal & Interest |
|
|
Weekly, Fortnightly, Monthly |
|
|
yes - free |
|
|
none |
|
|
yes - free |
|
|
$1.00 |
|
|
yes |
|
|
yes |
|
|
none |
|
|
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.
|
6.73% p.a. |
|
|
n/a |
|
|
n/a |
|
|
n/a |
|
|
6.79% p.a. |
|
|
n/a |
|
|
n/a |
|
|
n/a |
|
|
n/a |
|
|
n/a |
|
|
n/a |
|
|
n/a |
|
|
n/a |
|
$450.00 |
|
|
$0.00 |
|
|
$0.00 |
|
|
$350.00 |
|
|
n/a |
|
|
$0.00 |
|
|
$380.00 |
|
$100,000 |
|
|
$3,000,000 |
|
|
80.00% |
|
|
90.00% |
|
Owner Occupier |
|
|
Principal & Interest |
|
|
Weekly, Fortnightly, Monthly |
|
|
yes - free |
|
|
none |
|
|
yes - free |
|
|
$1.00 |
|
|
yes |
|
|
yes |
|
|
none |
|
|
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.
|
7.53% p.a. |
|
|
n/a |
|
|
n/a |
|
|
n/a |
|
|
7.60% p.a. |
|
|
n/a |
|
|
n/a |
|
|
n/a |
|
|
n/a |
|
|
n/a |
|
|
n/a |
|
|
n/a |
|
|
n/a |
|
$450.00 |
|
|
$0.00 |
|
|
$0.00 |
|
|
$350.00 |
|
|
n/a |
|
|
$0.00 |
|
|
$380.00 |
|
$100,000 |
|
|
$3,000,000 |
|
|
none |
|
|
80.00% |
|
Owner Occupier |
|
|
Interest Only |
|
|
Weekly, Fortnightly, Monthly |
|
|
yes - free |
|
|
none |
|
|
yes - free |
|
|
$1.00 |
|
|
yes |
|
|
yes |
|
|
none |
|
|
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.
|
6.24% p.a. |
|
|
n/a |
|
|
n/a |
|
|
n/a |
|
|
6.30% p.a. |
|
|
n/a |
|
|
n/a |
|
|
n/a |
|
|
n/a |
|
|
n/a |
|
|
n/a |
|
|
n/a |
|
|
n/a |
|
$450.00 |
|
|
$0.00 |
|
|
$0.00 |
|
|
$350.00 |
|
|
n/a |
|
|
$0.00 |
|
|
$380.00 |
|
$100,000 |
|
|
$3,000,000 |
|
|
none |
|
|
60.00% |
|
Investor |
|
|
Principal & Interest |
|
|
Weekly, Fortnightly, Monthly |
|
|
yes - free |
|
|
none |
|
|
yes - free |
|
|
$1.00 |
|
|
yes |
|
|
yes |
|
|
none |
|
|
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.
|
6.34% p.a. |
|
|
n/a |
|
|
n/a |
|
|
n/a |
|
|
6.40% p.a. |
|
|
n/a |
|
|
n/a |
|
|
n/a |
|
|
n/a |
|
|
n/a |
|
|
n/a |
|
|
n/a |
|
|
n/a |
|
$450.00 |
|
|
$0.00 |
|
|
$0.00 |
|
|
$350.00 |
|
|
n/a |
|
|
$0.00 |
|
|
$380.00 |
|
$100,000 |
|
|
$3,000,000 |
|
|
none |
|
|
70.00% |
|
Investor |
|
|
Principal & Interest |
|
|
Weekly, Fortnightly, Monthly |
|
|
yes - free |
|
|
none |
|
|
yes - free |
|
|
$1.00 |
|
|
yes |
|
|
yes |
|
|
none |
|
|
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.
|
6.39% p.a. |
|
|
n/a |
|
|
n/a |
|
|
n/a |
|
|
6.45% p.a. |
|
|
n/a |
|
|
n/a |
|
|
n/a |
|
|
n/a |
|
|
n/a |
|
|
n/a |
|
|
n/a |
|
|
n/a |
|
$450.00 |
|
|
$0.00 |
|
|
$0.00 |
|
|
$350.00 |
|
|
n/a |
|
|
$0.00 |
|
|
$380.00 |
|
$100,000 |
|
|
$3,000,000 |
|
|
none |
|
|
80.00% |
|
Investor |
|
|
Principal & Interest |
|
|
Weekly, Fortnightly, Monthly |
|
|
yes - free |
|
|
none |
|
|
yes - free |
|
|
$1.00 |
|
|
yes |
|
|
yes |
|
|
none |
|
|
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.
|
6.84% p.a. |
|
|
n/a |
|
|
n/a |
|
|
n/a |
|
|
6.90% p.a. |
|
|
n/a |
|
|
n/a |
|
|
n/a |
|
|
n/a |
|
|
n/a |
|
|
n/a |
|
|
n/a |
|
|
n/a |
|
$450.00 |
|
|
$0.00 |
|
|
$0.00 |
|
|
$350.00 |
|
|
n/a |
|
|
$0.00 |
|
|
$380.00 |
|
$100,000 |
|
|
$3,000,000 |
|
|
80.00% |
|
|
90.00% |
|
Investor |
|
|
Principal & Interest |
|
|
Weekly, Fortnightly, Monthly |
|
|
yes - free |
|
|
none |
|
|
yes - free |
|
|
$1.00 |
|
|
yes |
|
|
yes |
|
|
none |
|
|
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.
|
6.64% p.a. |
|
|
n/a |
|
|
n/a |
|
|
n/a |
|
|
6.70% p.a. |
|
|
n/a |
|
|
n/a |
|
|
n/a |
|
|
n/a |
|
|
n/a |
|
|
n/a |
|
|
n/a |
|
|
n/a |
|
$450.00 |
|
|
$0.00 |
|
|
$0.00 |
|
|
$350.00 |
|
|
n/a |
|
|
$0.00 |
|
|
$380.00 |
|
$100,000 |
|
|
$3,000,000 |
|
|
none |
|
|
80.00% |
|
Investor |
|
|
Interest Only |
|
|
Weekly, Fortnightly, Monthly |
|
|
yes - free |
|
|
none |
|
|
yes - free |
|
|
$1.00 |
|
|
yes |
|
|
yes |
|
|
none |
|
|
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.
|
6.94% p.a. |
|
|
n/a |
|
|
n/a |
|
|
n/a |
|
|
7.00% p.a. |
|
|
n/a |
|
|
n/a |
|
|
n/a |
|
|
n/a |
|
|
n/a |
|
|
n/a |
|
|
n/a |
|
|
n/a |
|
$450.00 |
|
|
$0.00 |
|
|
$0.00 |
|
|
$350.00 |
|
|
n/a |
|
|
$0.00 |
|
|
$380.00 |
|
$100,000 |
|
|
$3,000,000 |
|
|
80.00% |
|
|
90.00% |
|
Investor |
|
|
Interest Only |
|
|
Weekly, Fortnightly, Monthly |
|
|
yes - free |
|
|
none |
|
|
yes - free |
|
|
$1.00 |
|
|
yes |
|
|
yes |
|
|
none |
|
|
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.
MyState have excellent rates and excellent customer service, as well as a super low monthly fee for loans with their offset feature. However, the online banking app leaves a lot to be desired! Overall it is worth the trade off to save $$
Read full reviewMyState have excellent rates and excellent customer service, as well as a super low monthly fee for loans with their offset feature. However, the online banking app leaves a lot to be desired! Overall it is worth the trade off to save $$
Attracted by the low rate and redraw facilities, it took 3 months of chasing, asking and clarifying where our refinance loan was at. Extremely poor service response - the worse we have experienced. We felt we were servicing MyState, not the other way around. And at the end of it all, they failed to set up the requested repayment arrangements, resulting in a loan arrears situation that threatened our credit rating. Indeed, the customer complaints section asked us to complete the same forms again, despite them already being lodged 6 weeks earlier and an undertaking given that they would be actioned according to our requirements. Online access to monitor your loan, arrange redraws and additional payments is not provided as a matter of course and requires a separate process. The final blow is that we are required to open a Mystate bank account to access their redraw facility, as they don't allow redraw transfers into accounts of other banks. Even then, you cannot do it online, are required to attend a branch or make a phone call and a $30 fee is payable per redraw minimum of $500. This is different to other major providers who offer these facilities as a matter of course. If it is simply a low rate you want, go for it. If you also value customer service, responsiveness, transparency, 24/7 access to self-service and flexibility, use other providers.
Read full reviewAttracted by the low rate and redraw facilities, it took 3 months of chasing, asking and clarifying where our refinance loan was at. Extremely poor service response - the worse we have experienced. We felt we were servicing MyState, not the other way around. And at the end of it all, they failed to set up the requested repayment arrangements, resulting in a loan arrears situation that threatened our credit rating. Indeed, the customer complaints section asked us to complete the same forms again, despite them already being lodged 6 weeks earlier and an undertaking given that they would be actioned according to our requirements. Online access to monitor your loan, arrange redraws and additional payments is not provided as a matter of course and requires a separate process. The final blow is that we are required to open a Mystate bank account to access their redraw facility, as they don't allow redraw transfers into accounts of other banks. Even then, you cannot do it online, are required to attend a branch or make a phone call and a $30 fee is payable per redraw minimum of $500. This is different to other major providers who offer these facilities as a matter of course. If it is simply a low rate you want, go for it. If you also value customer service, responsiveness, transparency, 24/7 access to self-service and flexibility, use other providers.
Great Rate Home Loan
5.99% p.a. variable
6.01% p.a.
Home Value Loan
6.09% p.a. variable
6.09% p.a.
Express Home Loan (Fixed)
6.04% p.a.
fixed 3 years
6.21% p.a.
3 Year Fixed Rate Home Loan (Special Offer)
5.49% p.a.
fixed 3 years
6.62% p.a.
OMG Home Loan
5.99% p.a. variable
6.02% p.a.
3 Year Fixed Rate Home Loan (Special Offer)
5.49% p.a.
fixed 3 years
6.62% p.a.
Great Rate Home Loan
5.99% p.a. variable
6.01% p.a.
Flex Home Loan
6.14% p.a. variable
6.38% p.a.
Express Home Loan
6.09% p.a. variable
6.22% p.a.
Elevate
6.18% p.a. variable
6.18% p.a.
Great Rate Home Loan
5.99% p.a.
6.01% p.a.
Express Home Loan
6.09% p.a.
6.22% p.a.
OMG Home Loan
5.99% p.a.
6.02% p.a.
Elevate
6.18% p.a.
6.18% p.a.
Mortgage Simplifier
6.14% p.a.
6.17% p.a.
Express Home Loan (Fixed)
6.04% p.a.
fixed 3 years
6.21% p.a.
3 Year Fixed Rate Home Loan (Special Offer)
5.49% p.a.
fixed 3 years
6.62% p.a.
Fixed Home Loan Rate
5.59% p.a.
fixed 3 years
6.31% p.a.
Basic Home Loan (Fixed)
5.49% p.a.
fixed 3 years
6.02% p.a.
3 Year Fixed Rate Home Loan (Special Offer)
5.59% p.a.
fixed 3 years
6.64% p.a.
Fixed Rate Loan
5.79% p.a.
fixed 3 years
6.07% p.a.
Fixed Rate
6.59% p.a.
fixed 3 years
7.06% p.a.
Great Rate Home Loan
5.99% p.a.
6.01% p.a.
$0.00
Home Value Loan
6.09% p.a.
6.09% p.a.
$0.00
OMG Home Loan
5.99% p.a.
6.02% p.a.
$0.00
Express Home Loan
6.09% p.a.
6.22% p.a.
$10.00 monthly
Flex Home Loan
6.09% p.a.
6.33% p.a.
$250.00 yearly
FHBG Classic Home Loan
6.09% p.a.
6.11% p.a.
$0.00
Basic Variable Home Loan
5.94% p.a.
5.99% p.a.
$0.00
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.
