MyState Bank Home Loan Products
Basic Variable Home Loan
Simple and to the point. Save money with a great low rate.
- Interest rates4 from 2.49%p.a.
- Comparison rates2 from 2.52%p.a.
- Unlimited additional repayments
- No interest offset facility
- Free redraws
- No ongoing or establishment fees
- Deposit eligible for parental guarantee
Special Residential Home Loan
A 100% interest offset facility. Reduce the amount of interest you repay.
- Interest rates4 from 2.49%p.a.
- Comparison rates2 from 2.54%p.a.
- Unlimited additional repayments
- 100% interest offset facility
- Free redraws
- No ongoing or early payout fees
- Deposit eligible for parental guarantee
Fixed Rate Home Loan
Simple and to the point. Save money with a great low rate.
- Interest rates1 from 2.09%p.a.
- Comparison rates2 from 3.99%p.a.
- Additional repayments of up to $10K per fixed year
- No interest offset facility
- No redraws
- No ongoing fees
- Deposit eligible for parental guarantee
Interest Rates for First Home Loan Deposit Scheme Loans
Basic Variable Home Loan
- Interest rates3 from 2.93%p.a.
- Comparison rates2 from 2.98%p.a.
2 Year Fixed Home Loan
- Interest rates3 from 2.39%p.a.
- Comparison rates2 from 4.02%p.a.
3 Year Fixed Home Loan
- Interest rates3 from 2.39%p.a.
- Comparison rates2 from 3.87%p.a.
Make an appointment with a MyState Bank lender to start your application
Calculators

At MyState Bank we want to give you as much help as we can in managing your finances. Wherever you are in life, these calculators will assist you in planning for your financial needs.
Frequently asked questions
You need to be
- At least 18 years old
- An Australian citizen or permanent resident
- Applying in your own name
- Have a good credit rating
You will need to have
- Two forms of ID (driver's licence, Australian passport or Medicare card)
- Two payslips (if you have an employer)
- Your most recent tax assessment (if you are self-employed)
A little bit of time
- About 20 minutes
You can give yourself the best chance possible by:
- Work out your borrowing capacity, what repayments can you afford? We will use a range of criteria to decide how much you are eligible to borrow, but you need to be comfortable that you can afford to repay the loan.
- Establish a good banking history, keep your accounts in good order.
- Keep your credit rating in good standing by staying on top of payments to avoid arrears, debts or missed payments.
- Save money, demonstrating your ability to save regularly shows a history of managing money responsibly.
You can complete our online application, make an appointment or call us on 138 001.
We’re here to help
With over 50 years experience our local, friendly staff can help you find what you're looking for.
1 Interest rate available on owner-occupied, principal and interest loans less than 80% of property value. Other rates available for different loan terms.
2 Comparison rate based on $150,000 over 25 years. 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. Lending, credit criteria, terms/conditions, fees and charges apply and are subject to change.
3 Interest rate available on owner-occupied, principal and interest loans for eligible borrowers under the First Home Loan Deposit Scheme only. Other rates available for different loan terms.
4 Interest rate available for new lending on owner-occupied, principal and interest loans less than or equal to 60% of property value. Other rates available for different loan terms.