MyState Bank home loan rates
Ranked by advertised rate, MyState Bank's lowest advertised rate we track is 6.29% advertised (6.32% comparison) on the Basic Variable Loan - owner-occupier, P&I - 18th of 31 lenders we track. Rates as at 31 Oct 2026. Sourced from the lenders' own published figures, read daily from public, standardised open data feeds under the Consumer Data Right. See our methodology.
Its lowest variable home loan rate we track is 6.29% advertised (6.32% comparison) on the Basic Variable Loan - owner-occupier, P&I; its lowest fixed home loan rate we track is 6.64% advertised (8.24% comparison) on the Fixed Rate Loan, 2-year term. Rates as at 31 Oct 2026.
We track 6 MyState Bank owner-occupier products; every figure is read daily from public, standardised open data feeds under the Consumer Data Right. Rates as at 31 Oct 2026. See our methodology.
At the lowest advertised rate we track - 6.29% on the Basic Variable Loan - owner-occupier, P&I - the monthly principal-and-interest repayment on a $600,000 loan over 30 years is about $3,710 a month (an arithmetic example, not a quote or an offer). Rates as at 31 Oct 2026.
MyState Bank since the 29 Sept 2026 RBA decision
The RBA's cash rate target moved from 4.35% to 4.60% (+25 bp) after its decision announced 29 Sept 2026.
MyState Bank has changed 2 variable rates in its published data since:
- Basic Variable Loan - owner-occupier, P&I6.04% → 6.29%(+25 bp)matches the cash rate move
- Special Residential Variable Loan - owner-occupier, P&I6.04% → 6.29%(+25 bp)matches the cash rate move
Lenders can announce a change before it takes effect; the tracker shows it once it appears in their published data. The tracker compares the owner-occupier, principal-and-interest variable rates we track, so a change to a loan we don't track won't show here. Dates are the day a new rate first appeared in the lender's feed, which can be after the day the lender changed it. Every lender's status →
MyState Bank products (6)
| Product | Type | Advertised | Comparison | Max LVR | Lender link |
|---|---|---|---|---|---|
Basic Variable Loan - owner-occupier, P&IMyState Bank | Variable | 6.29% | 6.32% | — | link |
Special Residential Variable Loan - owner-occupier, P&IMyState Bank | Variable | 6.29% | 6.34% | — | link |
Fixed Rate Loan, 2-year termMyState Bank | Fixed 2yr | 6.64% | 8.24% | — | link |
Fixed Rate Loan, 1-year termMyState Bank | Fixed 1yr | 6.64% | 8.45% | — | link |
Fixed Rate Loan, 3-year termMyState Bank | Fixed 3yr | 6.69% | 8.09% | — | link |
Fixed Rate Loan, 5-year termMyState Bank | Fixed 5yr | 7.04% | 7.95% | — | link |
MyState Bank recent rate changes
6 of MyState Bank's tracked products changed their advertised rate in the last 30 days. Every change across the board is on the rate changes page.
- Basic Variable Loan - owner-occupier, P&I6.04% → 6.29%(+25 bp)previous value last seen 7 Oct 2026
- Special Residential Variable Loan - owner-occupier, P&I6.04% → 6.29%(+25 bp)previous value last seen 7 Oct 2026
- Fixed Rate Loan, 1-year term6.49% → 6.64%(+15 bp)previous value last seen 7 Oct 2026
- Fixed Rate Loan, 2-year term6.49% → 6.64%(+15 bp)previous value last seen 7 Oct 2026
- Fixed Rate Loan, 3-year term6.54% → 6.69%(+15 bp)previous value last seen 7 Oct 2026
- Fixed Rate Loan, 5-year term6.89% → 7.04%(+15 bp)previous value last seen 7 Oct 2026
Add RBA decision and CPI release dates to your calendar: Apple or Outlook · Google Calendar · .ics file.