Fixed Rate Loan
With a fixed interest home loan rate your repayments remain the same for the selected term. With a guaranteed interest rate you know exactly how much you're going to pay every time. At the end of the selected term, the home loan interest rate converts to our Standard Variable Home Loan rate current at that time. A fixed home loan rate is great if you're buying an owner-occupied home, investment property, vacant land or refinancing home loans from another lender, and if you want protection from interest rate increases and certainty of repayments.
- From (owner occupied)
- 6.49%
- 8.21% comparison
Interest Rates
Owner occupied — Principal & interest
| Type | Rate | Comparison | Applies To |
|---|---|---|---|
| Fixed · 1 year | 6.49% | 8.21% | LVR <=70% |
| Fixed · 2 years | 6.49% | 8.03% | LVR <=70% |
| Fixed · 2 years | 6.54% | 8.04% | LVR <=80% |
| Fixed · 2 years | 6.54% | 8.04% | Home Guarantee Scheme ≤98% |
| Fixed · 3 years | 6.54% | 7.87% | LVR <=70% |
| Fixed · 1 year | 6.54% | 8.22% |
Fees
| Fee | Type | Amount |
|---|---|---|
| Settlement Fee | Upfront | |
| Additional Valuation Fee (per each additional security) | Upfront | |
| Title production Payable upon a request to produce the certificate of title. | Event | |
| Letter of Variation Payable on approval of each variation under this loan contract. | Event | |
| Copy of Title Payable upon a request to provide a copy of the certificate of Title | Event | |
| Subsequent dealing Payable on a request for each consent given or subsequent dealing request approved under this loan contract. | Event | |
| Mortgage discharge Payable on discharge of security | Event | |
Features
- Extra repayments
- Additional repayments. Make additional repayments of up to $10K per fixed year. Redraw is not available during the fixed period.
- Digital banking
- Just another way you can connect your money with your lifestyle. From banking easily on the go with the MyState Bank App, or at home through Internet Banking, to making faster payments with digital wallets or PayID, there are more ways than ever to access your money. Keeping your bank accounts safe is a key priority for us, so you can be confident starting today.
- What is Lenders Mortgage Insurance? Also known as LMI, this is insurance that generally protects the lender in the event you default on your repayments. This insurance is required if you're borrowing more than 80% of the property value.
Eligibility
- Residency status — An Australian citizen or permanent resident
- Minimum age — 18 yearsA customer is or older than 18 years of age
Constraints
- Minimum balance — $30,000.00A $30,000 minimum balance is required for all Standard Variable and Fixed loans
More Information
Published by MyState Bank under the Consumer Data Right · Last updated 30 June 2026 · Product ID d79525be-1309-48e6-b034-4ed1a2ba17a1 · View on CDR.gov.au · View Source Data (JSON)