MyState Fixed Rate Loan

4.09% p.a.

4.99% p.a.

$0.00

4.59% p.a.

5.12% p.a.

$0.00

4.29% p.a.

5.19% p.a.

$0.00

4.59% p.a.

5.12% p.a.

$0.00

4.79% p.a.

5.32% p.a.

$0.00

Currently showing

Rates

  • p.a.

  • p.a.

  • 0 Months

  • none

  • 4.29% (5.21%*)

  • 3.69% (5.01%*)

  • 4.09% (4.99%*)

  • (*)

  • 4.59% (5.03%*)

  • (*)

  • (*)

  • 5.23% 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

Rates

  • p.a.

  • p.a.

  • 0 Months

  • none

  • 4.49% (5.23%*)

  • 4.49% (5.16%*)

  • 4.59% (5.12%*)

  • (*)

  • 4.79% (5.11%*)

  • (*)

  • (*)

  • 5.23% 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%

  • 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

Rates

  • p.a.

  • p.a.

  • 0 Months

  • none

  • 4.49% (5.41%*)

  • 3.89% (5.21%*)

  • 4.29% (5.19%*)

  • (*)

  • 4.79% (5.23%*)

  • (*)

  • (*)

  • 5.43% 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

Rates

  • p.a.

  • p.a.

  • 0 Months

  • none

  • 4.79% (5.26%*)

  • 4.49% (5.16%*)

  • 4.59% (5.12%*)

  • (*)

  • 5.09% (5.24%*)

  • (*)

  • (*)

  • 5.23% 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

Rates

  • p.a.

  • p.a.

  • 0 Months

  • none

  • 4.99% (5.46%*)

  • 4.69% (5.36%*)

  • 4.79% (5.32%*)

  • (*)

  • 5.29% (5.44%*)

  • (*)

  • (*)

  • 5.43% 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

About MyState

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.

How are MyState home loans rated by the Mozo community?

Product Type Overall Rating Price Features Service Convenience Trust
6.6

Based on 34
MyState home loans reviews

7.1 6.2 6.7 6.7 6.7

Read MyState home loan reviews by the Mozo community

Latest reviews of MyState Fixed Rate Loan

MyState

MyState Fixed Rate Loan (Owner Occupier, Principal & Interest, LVR<80%) home loan review

Overall rating   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 brilliant. Excellent rates.

Full review

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

Less

Amy (VIC), reviewed about 2 years ago

MyState

MyState Fixed Rate Loan (Owner Occupier, Principal & Interest, LVR<80%) home loan review

Overall rating   1 / 10

Terrible service

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...

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.

    Price   4 / 10

    Features   4 / 10

    Customer service   3 / 10

    Convenience   3 / 10

    Trust   3 / 10

Less

John (TAS), reviewed over 2 years ago

MyState

MyState Fixed Rate Loan (Owner Occupier, Principal & Interest, LVR<80%) home loan review

Overall rating   10 / 10

Excellent service, competitive, the best

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...

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.

    Price   10 / 10

    Features   8 / 10

    Customer service   9 / 10

    Convenience   9 / 10

    Trust   10 / 10

Less

Tracey (TAS), reviewed over 2 years ago

MyState

MyState Fixed Rate Loan (Owner Occupier, Principal & Interest, LVR<80%) home loan review

Overall rating   8 / 10

Fantastic customer service

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...

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.

    Price   6 / 10

    Features   6 / 10

    Customer service   5 / 10

    Convenience   8 / 10

    Trust   8 / 10

Less

Andrea (TAS), reviewed almost 3 years ago

MyState

MyState Fixed Rate Loan (Owner Occupier, Principal & Interest, LVR<80%) home loan review

Overall rating   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 costs us $30. They are also very slow to pass on home loan cuts.

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.

    Price   3 / 10

    Features   2 / 10

    Customer service   7 / 10

    Convenience   10 / 10

    Trust   1 / 10

Less

Mozo reviewer (TAS), reviewed about 4 years ago

Mozo may receive a payment from financial providers listed on the site. Customer reviews are in no way affected by any commercial relationships Mozo has with providers. Reviewers may receive a voucher from Mozo in exchange for their review. Vouchers are given to all reviewers who meet our review guidelines regardless of the sentiment of their reviews.

*The Comparison Rate combines the lender's interest rate, fees and charges into a single rate to show the true cost of a home loan. The comparison rate displayed is for a secured loan with monthly principal and interest repayments for $150,000 over 25 years, and applies only to this example. Different amounts and terms will result in different comparison rates. Full comparison rate schedules are available from lenders. Costs such as redraw fees or early repayment fees, and savings such as fee waivers, are not included in the comparison rate but may influence the cost of the loan.

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