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 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 90%
Choose the version of this loan that suits you best
| Availability | Loan type | LVR | Min loan amount | Max loan amount | |
|---|---|---|---|---|---|
|
|
Owner Occupier | Principal & Interest | < 90% | $30,000 | $3,000,000 |
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|
Owner Occupier | Interest Only | < 80% | $30,000 | $3,000,000 |
|
|
Investor | Principal & Interest | < 90% | $30,000 | $3,000,000 |
|
|
Investor | Interest Only | < 90% | $30,000 | $3,000,000 |
Owner Occupier (Principal & Interest)
LVR < 90%
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 < 90%
Loan: $30,000 $3,000,000
|
4.32% p.a. |
|
|
n/a |
|
|
n/a |
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n/a |
|
|
4.39% p.a. |
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|
n/a |
|
|
n/a |
|
|
n/a |
|
|
n/a |
|
|
n/a |
|
|
n/a |
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|
n/a |
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n/a |
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$600.00 |
|
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$0.00 |
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$0.00 |
|
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$350.00 |
|
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n/a |
|
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$0.00 |
|
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$380.00 |
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$30,000 |
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$3,000,000 |
|
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none |
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90.00% |
|
Owner Occupier |
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|
Principal & Interest |
|
|
Weekly, Fortnightly, Monthly |
|
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yes - free |
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none |
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yes - free |
|
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$500.00 |
|
|
yes |
|
|
yes |
|
|
none |
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|
none |
|
|
$2,000 refinance cashback, min $250k, or $3,000 cashback, min $500k, <80% LVR, apply by 30 June 2022, settle by 30 September 2022. |
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.
|
4.72% p.a. |
|
|
n/a |
|
|
n/a |
|
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n/a |
|
|
4.79% p.a. |
|
|
n/a |
|
|
n/a |
|
|
n/a |
|
|
n/a |
|
|
n/a |
|
|
n/a |
|
|
n/a |
|
|
n/a |
|
$600.00 |
|
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$0.00 |
|
|
$0.00 |
|
|
$350.00 |
|
|
n/a |
|
|
$0.00 |
|
|
$380.00 |
|
$30,000 |
|
|
$3,000,000 |
|
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none |
|
|
80.00% |
|
Owner Occupier |
|
|
Interest Only |
|
|
Weekly, Fortnightly, Monthly |
|
|
yes - free |
|
|
none |
|
|
yes - free |
|
|
$500.00 |
|
|
yes |
|
|
yes |
|
|
none |
|
|
none |
|
|
$2,000 refinance cashback, min $250k, or $3,000 cashback, min $500k, <80% LVR, apply by 30 June 2022, settle by 30 September 2022. |
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.
|
4.32% p.a. |
|
|
n/a |
|
|
n/a |
|
|
n/a |
|
|
4.39% p.a. |
|
|
n/a |
|
|
n/a |
|
|
n/a |
|
|
n/a |
|
|
n/a |
|
|
n/a |
|
|
n/a |
|
|
n/a |
|
$600.00 |
|
|
$0.00 |
|
|
$0.00 |
|
|
$350.00 |
|
|
n/a |
|
|
$0.00 |
|
|
$380.00 |
|
$30,000 |
|
|
$3,000,000 |
|
|
none |
|
|
90.00% |
|
Investor |
|
|
Principal & Interest |
|
|
Weekly, Fortnightly, Monthly |
|
|
yes - free |
|
|
none |
|
|
yes - free |
|
|
$500.00 |
|
|
yes |
|
|
yes |
|
|
none |
|
|
none |
|
|
$2,000 refinance cashback, min $250k, or $3,000 cashback, min $500k, <80% LVR, apply by 30 June 2022, settle by 30 September 2022. |
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.
|
4.72% p.a. |
|
|
n/a |
|
|
n/a |
|
|
n/a |
|
|
4.79% p.a. |
|
|
n/a |
|
|
n/a |
|
|
n/a |
|
|
n/a |
|
|
n/a |
|
|
n/a |
|
|
n/a |
|
|
n/a |
|
$600.00 |
|
|
$0.00 |
|
|
$0.00 |
|
|
$350.00 |
|
|
n/a |
|
|
$0.00 |
|
|
$380.00 |
|
$30,000 |
|
|
$3,000,000 |
|
|
none |
|
|
90.00% |
|
Investor |
|
|
Interest Only |
|
|
Weekly, Fortnightly, Monthly |
|
|
yes - free |
|
|
none |
|
|
yes - free |
|
|
$500.00 |
|
|
yes |
|
|
yes |
|
|
none |
|
|
none |
|
|
$2,000 refinance cashback, min $250k, or $3,000 cashback, min $500k, <80% LVR, apply by 30 June 2022, settle by 30 September 2022. |
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.
Wow. This is the first time I've moved to a smaller bank and I will never go back to one of the big 4 banks again. Their customer service is 10/10. They're extremely efficient, helpful and knowledgeable. They've well and truly exceeded my expectations in what i'm looking for in a bank and I would highly recommend them to everyone. Well done MyState. Keep up your good work!
Read full reviewWow. This is the first time I've moved to a smaller bank and I will never go back to one of the big 4 banks again. Their customer service is 10/10. They're extremely efficient, helpful and knowledgeable. They've well and truly exceeded my expectations in what i'm looking for in a bank and I would highly recommend them to everyone. Well done MyState. Keep up your good work!
Certainly not a ‘human’ way to bank. A lack of regard for our needs both when we originally took out our loan and now at pay out. After paying out the loan and taking all requested discharge actions, we are still waiting for our cleared property title 8 weeks later, with at least another 6 week wait ahead of us. This bank has clearly moved too quickly to technological service delivery, without regard to sound business redesign and change management principles and practices. They have dropped the ball on those business processes for which they alone remain fully responsible. Their technological solutions are fragile and insecure, meaning face-to-face branch contact is the only reliable, accountable and safe way of doing business. Repetitive visits are required to track progress to maintain accountability, as bank staff appear not to be required to be proactive and personally responsible to ensure a business process reaches its natural conclusion and to keep customers informed of their progress. A continuing, deeply frustrating and disappointing experience.
Read full reviewCertainly not a ‘human’ way to bank. A lack of regard for our needs both when we originally took out our loan and now at pay out. After paying out the loan and taking all requested discharge actions, we are still waiting for our cleared property title 8 weeks later, with at least another 6 week wait ahead of us. This bank has clearly moved too quickly to technological service delivery, without regard to sound business redesign and change management principles and practices. They have dropped the ball on those business processes for which they alone remain fully responsible. Their technological solutions are fragile and insecure, meaning face-to-face branch contact is the only reliable, accountable and safe way of doing business. Repetitive visits are required to track progress to maintain accountability, as bank staff appear not to be required to be proactive and personally responsible to ensure a business process reaches its natural conclusion and to keep customers informed of their progress. A continuing, deeply frustrating and disappointing experience.
Communication can be challenging. Electronic systems need updating (ie; app / online calcs etc). Rates are pretty good. Local bank is comforting.
Read full reviewCommunication can be challenging. Electronic systems need updating (ie; app / online calcs etc). Rates are pretty good. Local bank is comforting.
Such a great bank, I have been with them over 5 years. So helpful and friendly. I wouldn't go anywhere else.
Read full reviewSuch a great bank, I have been with them over 5 years. So helpful and friendly. I wouldn't go anywhere else.
Were fantastic in discussing what I wanted and then delivering. Adaptable and friendly.
Read full reviewWere fantastic in discussing what I wanted and then delivering. Adaptable and friendly.
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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.
