MyState offers a premium variable rate product for customers seeking a home loan in excess of $100,000.
If you’re buying or building your own home, a residential investment property, a block of land, looking to refinance your home loan from another lender or simply topping up your existing home loan with MyState, now is the time to take advantage of this great offer. And deposits are eligible for Parental Guarantee.
100% offset facility available, your account balance is offset against your Home Loan
Interest rates from 2.49%p.a.1
Comparison rates from 2.54%p.a.2
No monthly home loan account keeping fees or early payout fees
Make an appointment with a MyState Bank lender to start your application
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.
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.
No matter where you're at, we can help
Refinancing my existing home
Life is constantly changing and your home loan needs the flexibility to suit your lifestyle. If you want a better deal on your home loan, MyState Bank’s home loan experts can tailor a loan with competitive home loan interest rates and features to suit your changing needs.
Make an appointment with a MyState Bank lender to start your application
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 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.
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.