First Home Buyers

Home loans and lending advice for first home buyers.

Buying Your Next Home

Competitive home loan interest rates for purchasing a new home.

Investment Home Loans

For first time property investors or those looking to increase their portfolio.

Refinancing Your Home Loan

For those looking for a better home loan deal or to unlock equity.

Building and Renovating

A tailored home loan to fund your building or renovation project.

Cash on Hand Line of Credit

For any worthwhile non-business purpose to provide you access to a set amount of money and only pay interest on the funds you use.

Home Loan Products

MyState offers a range of tailored home loan product options.

Make an Appointment

Make an appointment with one of our home loan experts.

Read about our car loan or used car loan to finance a new or second-hand car, motorbike or caravan.

Need a holiday?

A holiday loan is a convenient and flexible option for financing your next holiday.

Life’s Little Extras

A personal loan to finance unexpected expenses or some of life’s little extras.

Debt Consolidation

Debt consolidation loans take the hassle act out of managing numerous repayments.

Personal Loan Products

Choose from secured and unsecured personal loan products and overdrafts.

Make an Appointment

Make an appointment with one of our personal loan experts.

Motor Vehicle Insurance

Motor Vehicle Insurance policies through CGU Insurance.

Flexible home insurance policies through CGU Insurance.

Caravan Insurance

Holiday with confidence with caravan insurance through CGU.

Boat insurance to protect against theft, accidental loss or damage.

Landlord Insurance

Landlord insurance to protect against loss or damage by tennants.

Travel Insurance

Comprehensive travel insurance cover with simple online application.

Loan Protection Insurance

Loan protection insurance to cover your loan repayments or line of credit.

Health Insurance

Competitive health insurance policies through St.LukesHealth.

Are you under insured?

MasterCard - Platinum

Compliment your lifestyle with premium rewards.

MasterCard - Rewards

Great value and a card that rewards your everyday spending.

MasterCard - Low Rate

Keep it simple and start saving with a low rate credit card.

Visa Debit Card

A premium and flexible card to access your cash anywhere in the world.

A handy no frills card to make purchases or withdraw cash 24/7.

Finding the right card

With so many cards to choose from understanding the benefits of each can be confusing, we make it easy by comparing them for you.

Savings & Investments

Online Savings Account

A savings bank account with interest and easy access to funds.

Short to medium-term investment for excess cash.

An interest, 'at call' bank account for customers under 18 years.

A convenient 'everyday' bank account with overdraft and easy access.

Save money by offsetting your daily account balance against your linked MyState Home Loan.

Bill Payer Account

A separate account for ongoing bills and living expenses with overdraft available.

Deeming Account

An 'at-call' account with interest for self-funded retirees or those eligible for Government pension or Allowance.

Minimising Fees and Charges

Take a look at our handy tips for minimising fees and charges.

Payments and Transfers

A range of convenient options to make payments and transfer cash.

Transaction Accounts

Everyday Business Account

Simple, fast and efficient access to manage your business banking.

Premium Business Account

Make your money work harder with a tiered interest rate.

Savings & Investments

Business Online Saver

An interest earning, at call bank account for surplus cash.

Short to medium-term investment for excess cash.

Overdrafts & Lending

Access to additional funds to manage your cash flow.

A business loan to fund business growth.

Merchant Services

Making EFTPOS work for you

EFTPOS provides more payment gateway options for you and your customers.

Your choice of EFTPOS terminals

An EFTPOS terminal is a convenient way to accept and process payments from credit and debit cards.

Additional Features

More features to save you time and money with an EFTPOS terminal.

Business Banking Managers

Agribusiness

Transaction Accounts

Everyday Agribusiness Account

Simple, fast and efficient day to day access to your money.

Premium Agribusiness Account

Make your money work harder with a tiered interest rate.

Savings & Investments

Agribusiness Online Saver

Earn interest without locking your money away.

Short to medium-term investment for surplus cash.

Overdrafts & Lending

Conveniently manage and improve your seasonal cash flow.

A rural loan to fund agribusiness growth.

Agribusiness Managers

Wealth Management

Our qualified Financial Planners can assist you to grow and protect your wealth.

The Benefits of Wealth Management

Manage risk, save time, and improve your overall financial investment results.

The Planning Process

Our Wealth Management experts take the time to tailor solutions to suit your needs.

It is never too early to start your financial planning journey.

Building Wealth

Financial investment options to get you further ahead with financial planning.

Planning for Retirement

Wealth management strategies to help achieve your retirement objectives.

Planning for Future Generations

Ensure your financial investments grow and keep paying, well into the future.

Wealth Creation

Secure your financial future through effective wealth creation strategies.

Wealth Protection

Ensure you have effective cover to manage the unexpected.

Planning for the next generation

Direction for long-term generation of income and growth of financial investments.

Convenient and secure online access to track your financial investments.

MyState Foundation

MyState Student Film Festival

Home Loans

Tools & Resources

Special Residential Home Loan Offer

For a limited time# only MyState Financial is offering a special Home Loan package for customers seeking a home loan in excess of $250,000.

If you’re buying your own home, a residential investment property, a block of land, topping up your existing home loan with MyState Financial or looking to refinance home loans from another lender, now is the time to take advantage of this great offer.

Home Loan Features

Special rate of 6.40%pa (variable) – 6.41%pa ^ comparison rate
No establishment fee*
No monthly home loan account-keeping fees
No monthly transaction charges^^
No early payout fee
No hassle pre-approval
$250,000 minimum home loan
100% offset facility available

Ask one of our local home loan experts about this home loan offer, they will even guide you through the home loan application process including helping you with a pre-approved loan which may help you to make an offer quicker, with the confidence of knowing exactly how much you can afford to spend.

How to apply for a MyState Financial home loan

If you are ready to apply for a home loan, you can:

Make an appointment

Complete our home loan online application form
Call our Service Centre on 138 001, or
Drop into your nearest MyState Financial Branch.

#MyState Financial reserves the right to withdraw this offer at any time.

^Monthly account keeping fees are not payable on transaction accounts when the combined balances of transaction, term deposit and loan accounts exceed $50,000. MyState Financial reserves the right to withdraw this offer at any time. #Interest rate of 6.40%pa is available for new loans to MyState Financial greater than $250,000.

*The comparison rate is based on a loan amount of $250,000 over a term of 25 years. WARNING: The 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 no included in the comparison rate but may influence the cost of the loan.

Loan applications are subject to our normal credit approval criteria and may also require approval of a Lenders Mortgage Insurer. Terms and Conditions, fees and charges apply.

Any advice on this website does not take into account your personal objectives, financial situation or needs and you should consider whether it is appropriate for you. Please read our disclosure documentation before acquiring any product. Loan applications are subject to MyState's credit approval criteria. Terms and Conditions, Fees and Charges apply, and are subject to change.

© MyState Financial Limited (MyState) ABN 89 067 729 195 AFSL 240896 Australian Credit Licence Number 240896. A wholly owned subsidiary of MyState Limited ABN 26 133 623 962.
BSB 807009.