[Skip to the content](#main) [RateGap](/)every home loan rate lenders publish, compared # MyState Bank home loan rates MyState Bank's lowest advertised variable rate for a home you live in and pay down is **6.04%**, if you owe up to 70% of the home’s value. It was read Monday 2 November, and is 0.19 percentage points above the going rate of 5.85% across every lender. Its lowest fixed rate is 6.49%, fixed for one year. Have a loan with MyState Bank? Compare your rate Loan balance ($) on your statement or in your banking app Your rate (%) not the comparison rate, which adds fees Compare my rate Since the Reserve Bank’s increase on Tuesday 29 September, MyState Bank has not changed its lowest advertised variable rate, 6.04%, as at Monday 2 November. [After the Reserve Bank’s increase](/market/after-the-rba) has every lender. 175 advertised rates across 4 products, published by MyState Bank under the Consumer Data Right. Last read Monday 2 November, yesterday. No lender pays to be listed. ## Where it sits 6.04% MyState Bank, lowest variable rate if you owe up to 70% 5.85% The going rate 0.19 percentage points above the going rate The going rate is **the lowest rate at least three lenders reach**, so one lender's odd price cannot set it. Both are advertised new-customer rates. A negotiated discount is in neither. [Read your own rate against this](/?lender=95aa74c1-9670-ef11-a4e6-000d3a79f8aa). **Lowest variable rate, if you owe up to 70%**: 6.04% **Lowest fixed rate**: 6.49%, one year **Lowest comparison rate**: 6.07% **Rates published**: 175, across 4 products **Last rate move**: Tuesday 27 October **Last read**: Monday 2 November For a home you live in and pay down. The other loan types are in the tables below. Lenders set a different rate for each LVR band, shown as how much you owe. LVR is what you owe as a share of the home's value. ## Owner-occupied, principal and interest ### Variable - Special Residential Variable Loan · owe up to 60% · **6.04–6.29%** (6.09–6.34% with fees)- Special Residential Variable Loan · owe 61–70% · **6.04%** (6.09% with fees)- Basic Variable Loan · owe up to 60% · **6.04–6.29%** (6.07–6.32% with fees)- Basic Variable Loan · owe 61–70% · **6.04%** (6.07% with fees)- Special Residential Variable Loan · owe 71–80% · **6.09–6.19%** (6.14–6.24% with fees)- Special Residential Variable Loan · **6.09–6.44%** (6.14–6.49% with fees)- Basic Variable Loan · owe 71–80% · **6.09–6.19%** (6.12–6.22% with fees)- Basic Variable Loan · **6.09–6.44%** (6.12–6.47% with fees)- Special Residential Variable Loan · owe 60.01–70% · **6.29%** (6.34% with fees)- Basic Variable Loan · owe 60.01–70% · **6.29%** (6.32% with fees)- Special Residential Variable Loan · owe 81–90% · **6.39%** (6.44% with fees)- Basic Variable Loan · owe 81–90% · **6.39%** (6.42% with fees)- Special Residential Variable Loan · owe 70.01–80% · **6.44%** (6.49% with fees)- Basic Variable Loan · owe 70.01–80% · **6.44%** (6.47% with fees)- Special Residential Variable Loan · owe 80.01–90% · **6.64%** (6.69% with fees)- Basic Variable Loan · owe 80.01–90% · **6.64%** (6.67% with fees)- Basic Variable Loan · owe 91–100% · **7.29%** (7.32% with fees)- Special Residential Variable Loan · owe 91–100% · **7.39%** (7.44% with fees)- Special Residential Variable Loan · owe 90.01–100% · **7.54%** (7.59% with fees)- Basic Variable Loan · owe 90.01–100% · **7.54%** (7.57% with fees)- Standard Variable Loan · owe up to 100% · **8.37–8.62%** (8.43–8.68% with fees) ### Fixed - Fixed Rate Loan · one year · owe up to 70% · **6.49–6.64%** (8.21–8.45% with fees)- Fixed Rate Loan · two years · owe up to 70% · **6.49–6.64%** (8.03–8.24% with fees)- Fixed Rate Loan · three years · owe up to 70% · **6.54–6.69%** (7.87–8.09% with fees)- Fixed Rate Loan · one year · owe 71–80% · **6.54%** (8.22% with fees)- Fixed Rate Loan · two years · **6.54–6.69%** (8.04–8.26% with fees)- Fixed Rate Loan · two years · owe 71–80% · **6.54%** (8.04% with fees)- Fixed Rate Loan · three years · **6.59–6.74%** (7.89–8.10% with fees)- Fixed Rate Loan · three years · owe 71–80% · **6.59%** (7.89% with fees)- Fixed Rate Loan · one year · owe 70.01–80% · **6.69%** (8.48% with fees)- Fixed Rate Loan · two years · owe 70.01–80% · **6.69%** (8.26% with fees)- Fixed Rate Loan · one year · owe 81–90% · **6.74%** (8.24% with fees)- Fixed Rate Loan · two years · owe 81–90% · **6.74%** (8.08% with fees)- Fixed Rate Loan · three years · owe 70.01–80% · **6.74%** (8.10% with fees)- Fixed Rate Loan · three years · owe 81–90% · **6.79%** (7.95% with fees)- Fixed Rate Loan · five years · owe up to 80% · **6.89–7.04%** (7.75–7.95% with fees)- Fixed Rate Loan · one year · owe 80.01–90% · **6.89%** (8.48% with fees)- Fixed Rate Loan · two years · owe 80.01–90% · **6.89%** (8.30% with fees)- Fixed Rate Loan · three years · owe 80.01–90% · **6.94%** (8.16% with fees)- Fixed Rate Loan · five years · owe 81–90% · **7.09%** (7.84% with fees) Showing 40 of 41 rates for this profile, lowest rate first. Every band MyState Bank prices in appears above. The one not shown is another rate inside one of those bands — a different product, or a different fixed term. [All of them are in the data](/data/rates). Where a rate is shown as a range, MyState Bank published more than one under conditions it stated identically — same product, same term, same band, same loan size. Nothing published says which of them applies, so this does not guess. ## Owner-occupied, interest only 7 rates ### Variable - Special Residential Variable Loan · owe up to 80% · **6.49–6.74%** (6.54–6.79% with fees)- Basic Variable Loan · owe up to 80% · **6.49–6.74%** (6.52–6.77% with fees)- Standard Variable Loan · owe up to 80% · **8.77–9.02%** (8.82–9.07% with fees) ### Fixed - Fixed Rate Loan · one year · owe up to 80% · **7.34–7.49%** (8.31–8.55% with fees)- Fixed Rate Loan · two years · owe up to 80% · **7.34–7.49%** (8.21–8.43% with fees)- Fixed Rate Loan · three years · owe up to 80% · **7.39–7.54%** (8.13–8.35% with fees)- Fixed Rate Loan · five years · owe up to 80% · **7.69–7.84%** (8.11–8.32% with fees) Where a rate is shown as a range, MyState Bank published more than one under conditions it stated identically — same product, same term, same band, same loan size. Nothing published says which of them applies, so this does not guess. No band here goes above 80% of the property's value. That means MyState Bank publishes none — not that it will not lend above 80%. Whether it does is not in this data. ## Investment, principal and interest 31 rates ### Variable - Special Residential Variable Loan · owe 61–70% · **6.19%** (6.24% with fees)- Special Residential Variable Loan · owe up to 60% · **6.19–6.44%** (6.24–6.49% with fees)- Basic Variable Loan · owe 61–70% · **6.19%** (6.24% with fees)- Basic Variable Loan · owe up to 60% · **6.19–6.44%** (6.24–6.49% with fees)- Special Residential Variable Loan · owe 71–80% · **6.24%** (6.29% with fees)- Basic Variable Loan · owe 71–80% · **6.24%** (6.29% with fees)- Special Residential Variable Loan · owe 60.01–70% · **6.44%** (6.49% with fees)- Basic Variable Loan · owe 60.01–70% · **6.44%** (6.49% with fees)- Special Residential Variable Loan · owe 70.01–80% · **6.49%** (6.54% with fees)- Basic Variable Loan · owe 70.01–80% · **6.49%** (6.54% with fees)- Special Residential Variable Loan · owe 81–90% · **6.64%** (6.69% with fees)- Basic Variable Loan · owe 81–90% · **6.64%** (6.69% with fees)- Special Residential Variable Loan · owe 80.01–90% · **6.89%** (6.94% with fees)- Basic Variable Loan · owe 80.01–90% · **6.89%** (6.94% with fees)- Special Residential Variable Loan · owe 91–95% · **7.39%** (7.44% with fees)- Basic Variable Loan · owe 91–95% · **7.39%** (7.44% with fees)- Special Residential Variable Loan · owe 90.01–95% · **7.64%** (7.69% with fees)- Basic Variable Loan · owe 90.01–95% · **7.64%** (7.69% with fees)- Standard Variable Loan · owe up to 95% · **8.37–8.62%** (8.43–8.68% with fees) ### Fixed - Fixed Rate Loan · one year · owe up to 80% · **6.74–6.84%** (8.24–8.47% with fees)- Fixed Rate Loan · two years · owe up to 80% · **6.79–6.89%** (8.09–8.30% with fees)- Fixed Rate Loan · three years · owe up to 80% · **6.84–6.94%** (7.96–8.16% with fees)- Fixed Rate Loan · one year · owe 81–90% · **6.94%** (8.26% with fees)- Fixed Rate Loan · two years · owe 81–90% · **6.99%** (8.13% with fees)- Fixed Rate Loan · one year · owe 80.01–90% · **7.04%** (8.50% with fees)- Fixed Rate Loan · three years · owe 81–90% · **7.04%** (8.02% with fees)- Fixed Rate Loan · five years · owe up to 80% · **7.04–7.14%** (7.81–7.99% with fees)- Fixed Rate Loan · two years · owe 80.01–90% · **7.09%** (8.35% with fees)- Fixed Rate Loan · three years · owe 80.01–90% · **7.14%** (8.22% with fees)- Fixed Rate Loan · five years · owe 81–90% · **7.24%** (7.90% with fees)- Fixed Rate Loan · five years · owe 80.01–90% · **7.34%** (8.08% with fees) Where a rate is shown as a range, MyState Bank published more than one under conditions it stated identically — same product, same term, same band, same loan size. Nothing published says which of them applies, so this does not guess. ## Investment, interest only 27 rates ### Variable - Special Residential Variable Loan · owe 61–70% · **6.34%** (6.39% with fees)- Special Residential Variable Loan · owe up to 60% · **6.34–6.54%** (6.39–6.59% with fees)- Basic Variable Loan · owe 61–70% · **6.34%** (6.39% with fees)- Basic Variable Loan · owe up to 60% · **6.34–6.54%** (6.39–6.59% with fees)- Special Residential Variable Loan · owe 71–80% · **6.39%** (6.44% with fees)- Basic Variable Loan · owe 71–80% · **6.39%** (6.44% with fees)- Special Residential Variable Loan · owe 60.01–70% · **6.54%** (6.59% with fees)- Basic Variable Loan · owe 60.01–70% · **6.54%** (6.59% with fees)- Special Residential Variable Loan · owe 70.01–80% · **6.59%** (6.64% with fees)- Basic Variable Loan · owe 70.01–80% · **6.59%** (6.64% with fees)- Special Residential Variable Loan · owe 88.1–90% · **6.74%** (6.79% with fees)- Basic Variable Loan · owe 81–90% · **6.74%** (6.79% with fees)- Special Residential Variable Loan · owe 80.01–90% · **6.99%** (7.04% with fees)- Basic Variable Loan · owe 80.01–90% · **6.99%** (7.04% with fees)- Standard Variable Loan · owe up to 90% · **8.77–9.02%** (8.82–9.07% with fees) ### Fixed - Fixed Rate Loan · one year · owe up to 80% · **6.84–6.94%** (8.25–8.49% with fees)- Fixed Rate Loan · two years · owe up to 80% · **6.89–6.99%** (8.11–8.33% with fees)- Fixed Rate Loan · three years · owe up to 80% · **6.94–7.04%** (8.00–8.20% with fees)- Fixed Rate Loan · one year · owe 81–90% · **7.04%** (8.28% with fees)- Fixed Rate Loan · two years · owe 81–90% · **7.09%** (8.15% with fees)- Fixed Rate Loan · one year · owe 80.01–90% · **7.14%** (8.51% with fees)- Fixed Rate Loan · three years · owe 81–90% · **7.14%** (8.06% with fees)- Fixed Rate Loan · five years · owe up to 80% · **7.14–7.24%** (7.87–8.05% with fees)- Fixed Rate Loan · two years · owe 80.01–90% · **7.19%** (8.37% with fees)- Fixed Rate Loan · three years · owe 80.01–90% · **7.24%** (8.26% with fees)- Fixed Rate Loan · five years · owe 81–90% · **7.34%** (7.96% with fees)- Fixed Rate Loan · five years · owe 80.01–90% · **7.44%** (8.14% with fees) Where a rate is shown as a range, MyState Bank published more than one under conditions it stated identically — same product, same term, same band, same loan size. Nothing published says which of them applies, so this does not guess. ## What changed MyState Bank last moved a rate on **Tuesday 27 October**. Every rate is read each morning and has come back the same since. [Every lender that publishes rates](/lenders), and [every rate move since capture began](/data/history). ## Beside it Of 93 lenders with a variable rate anyone could take for a home you live in and pay down, 14 publish a lower one than MyState Bank's 6.04%. The nearest either side: - [Apollo](/lender/apollo) 6.04% - [IMB Bank](/lender/imb-bank) 6.04% - MyState Bank 6.04% - [Zeus](/lender/zeus) 6.08% - [gmcu](/lender/gmcu) 6.09% **Does this look wrong? or could it be better** Two different things go wrong here and they are fixed in different places. If a rate on this page does not match what MyState Bank told you, it is usually one of these. ### The published data is wrong MyState Bank publishes these rates itself, under the Consumer Data Right. Nobody here types them in and nothing here can correct them at the source. If the feed is wrong, every comparison site reading it is wrong in the same way. Reports about a data holder's feed go to the Consumer Data Right, and published-data quality is on the ACCC's enforcement list. Everything identifying the feed is filled in below. The one part left is what you saw. ``` Consumer Data Right — Product Reference Data quality Data holder brand: MyState Bank ABN: 89067729195 Product Reference Data endpoint: https://public.cdr.mystate.com.au Data read from that endpoint on: Sunday 1 November Rate lines published at that time: 175 What appears to be wrong: [describe what you checked, and what the published data says] This data is published under the Product Reference Data standard and is available publicly, without authentication or a consumer consent. ``` Copy the report [Open the report form in a new tab ↗](https://forms.oaic.gov.au/forms/report) The form is run by the Consumer Data Right, not by this site. Nothing you type here is sent anywhere — the text above is yours to copy. ### This page reads it wrongly The rate is published correctly and this page has misread it. A band shown against the wrong loan type, a fee counted twice, a product that should be marked restricted and is not: that one is mine. [Tell me and I will fix it](/#fb), and say which lender so I can find the row. ### Something is missing A figure this page should show and does not, or a lender that should be here and is not. [Tell me through the feedback box](/#fb). The data behind every page here is [free to download](/data) if you would rather check it yourself first. The other questions - [Are you paying more than you need to?](/) your rate against every lender publishing one- [How fast should you pay it off?](/paying-it-off) term, extra repayments, interest only- [Don't have a loan yet?](/buying) what to look at before you pick one- [What does each lender advertise?](/lenders) every lender that publishes rates, a page each- [What moved this week?](/market/changes-this-week) which lenders changed an advertised rate- [Where do these numbers come from?](/data) every published rate, and how fresh it is **Free, and not advice.** It knows only what the lender publishes, not what you could negotiate. A licensed broker does this for a living. [Who made this](/about). [What this site collects](/privacy). **More from the data** Building something with this? There is [an API](/api), and [the data is free](/data). This morning: [the market](/market), [variable rates](/market/variable-rates), [fixed rates](/market/fixed-rates) and [what moved this week](/market/changes-this-week). Found in the data: [what lenders charge above 80%](/research/lvr-bands), [the rate a fixed loan rolls onto](/research/revert-rates) and [what a comparison rate adds](/research/comparison-rates). Also [what an offset costs](/research/offset-accounts), and [what investors pay on top](/research/investor-premium).