---
title: "Fixed Rate Loan — MyState Bank"
description: "Home Loans from MyState Bank. Rates, fees, features and eligibility as published under Australia's Consumer Data Right."
canonical: https://www.cdrcompare.au/brands/mystate-bank/products/d79525be-1309-48e6-b034-4ed1a2ba17a1
source: "CDR Compare"
language: en-AU
last_updated: 2026-08-28T06:06:06.191185Z
---

# Fixed Rate Loan — MyState Bank

> Home Loans from MyState Bank. Rates, fees, features and eligibility as published by the provider under Australia's Consumer Data Right, compared on CDR Compare.

**Home Loans · My State PM Production**

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.

## At a glance

- **From (owner occupied):** 6.49% (8.21% comparison)

## Apply

Applications are handled by the provider: [Apply at MyState Bank](https://mystate.com.au/home-loans/appointment-request/)

## 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% | LVR <=80% |
| Fixed · 3 years | 6.59% | 7.89% | Home Guarantee Scheme ≤98% |
| Fixed · 3 years | 6.59% | 7.89% | LVR <=80% |
| Fixed · 1 year | 6.74% | 8.24% | LVR <=90% |
| Fixed · 2 years | 6.74% | 8.08% | LVR <=90% |
| Fixed · 3 years | 6.79% | 7.95% | LVR <=90% |
| Fixed · 5 years | 6.89% | 7.75% | LVR <=80% |
| Fixed · 5 years | 7.09% | 7.84% | LVR <=90% |

### Owner occupied — Interest only

| Type | Rate | Comparison | Applies to |
| --- | --- | --- | --- |
| Fixed · 2 years | 7.34% | 8.21% | LVR <=80% |
| Fixed · 1 year | 7.34% | 8.31% | LVR <=80% |
| Fixed · 3 years | 7.39% | 8.13% | LVR <=80% |
| Fixed · 5 years | 7.69% | 8.11% | LVR <=80% |

### Investment — Principal & interest

| Type | Rate | Comparison | Applies to |
| --- | --- | --- | --- |
| Fixed · 1 year | 6.74% | 8.24% | LVR <=80% |
| Fixed · 2 years | 6.79% | 8.09% | LVR <=80% |
| Fixed · 3 years | 6.84% | 7.96% | LVR <=80% |
| Fixed · 1 year | 6.94% | 8.26% | LVR <=90% |
| Fixed · 2 years | 6.99% | 8.13% | LVR <=90% |
| Fixed · 3 years | 7.04% | 8.02% | LVR <=90% |
| Fixed · 5 years | 7.04% | 7.81% | LVR <=80% |
| Fixed · 5 years | 7.24% | 7.9% | LVR <=90% |

### Investment — Interest only

| Type | Rate | Comparison | Applies to |
| --- | --- | --- | --- |
| Fixed · 1 year | 6.84% | 8.25% | LVR <=80% |
| Fixed · 2 years | 6.89% | 8.11% | LVR <=80% |
| Fixed · 3 years | 6.94% | 8% | LVR <=80% |
| Fixed · 1 year | 7.04% | 8.28% | LVR <=90% |
| Fixed · 2 years | 7.09% | 8.15% | LVR <=90% |
| Fixed · 5 years | 7.14% | 7.87% | LVR <=80% |
| Fixed · 3 years | 7.14% | 8.06% | LVR <=90% |
| Fixed · 5 years | 7.34% | 7.96% | LVR <=90% |

## Fees

| Fee | Type | Amount |
| --- | --- | --- |
| Settlement Fee | Upfront | $350.00 |
| Additional Valuation Fee (per each additional security) | Upfront | $200.00 |
| Title production — Payable upon a request to produce the certificate of title. | Event | $150.00 |
| Letter of Variation — Payable on approval of each variation under this loan contract. | Event | $150.00 |
| Copy of Title — Payable upon a request to provide a copy of the certificate of Title | Event | $30.00 |
| Subsequent dealing — Payable on a request for each consent given or subsequent dealing request approved under this loan contract. | Event | $150.00 |
| Mortgage discharge — Payable on discharge of security | Event | $380.00 |
| Dishonour and Rejection fee (per dishonour) — Whenever a payment to your loan account is dishonoured or rejected. | Event | $5.00 |
| Cheques deposited and dishonoured (per cheque) — Whenever a cheque deposited to your loan account is dishonoured | Event | $20.00 |
| Establishment Fee - Increase to existing mortgage loans | Upfront | $350.00 |
| Arrears Administration Fee — Payable on the seventh and the fourteenth day the account relating to the loan contract remains in arrears. (For older contracts, different frequencies may apply. Please refer to your contract). | Event | $30.00 |
| Overdrawn Administration Fee | Event | $30.00 |
| Other default notices | Event | $30.00 |
| Non-insurance Renewal Service expense | Event | $25.00 |
| Establishment Fee | Upfront | $300.00 |
| Fixed Rate Lock In Fee. — Applicable to fixed rate loans only. $395 or 0.15% of loan amount, whichever is greater. The Fixed Rate Lock In Fee enables Home Loan applicants to ‘lock’ the fixed interest rate applying at the date of application for up to 90 days. The Fixed Rate Lock In Fee is to be paid by the loan applicant(s) at the time of the loan application. The Fixed Rate Lock In Fee will be refunded in the event the loan does not proceed to funding. | Event | 0.15% of balance |
| Break Cost Fee — Applicable to fixed rate loans only. Calculated at time of payout. May be payable if you pay out a fixed rate loan before the fixed rate expiry. Refer to your loan contract booklet for the calculation methodology | Other | From $0.00 |
| Mortgage preparation — Payable on the preparation of each new mortgage over the goods or property required to secure this loan contract | Event | $95.00 |
| Progressive draw (per draw) — Payable on an approval of each progressive draw request. | Event | $150.00 |
| Switch Fee — Payable on any switch between different interest rate types (for example, a switch from a variable interest rate to a fixed interest rate or to a different type of variable interest rate, or a switch from a fixed interest rate to a variable interest rate). | Event | $150.00 |
| Demand notices | Event | $30.00 |

## 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 years (A customer is or older than 18 years of age)

## Constraints

- **Minimum balance** — $30,000.00 (A $30,000 minimum balance is required for all Standard Variable and Fixed loans)

## More information from MyState Bank

- [Overview](https://mystate.com.au/home-loans/fixed-rate-home-loan/)
- [Terms & conditions](https://mystate.com.au/home-loans/fixed-rate-home-loan/)
- [Eligibility](https://mystate.com.au/home-loans/fixed-rate-home-loan/)
- [Fees & pricing](https://mystate.com.au/legal/)

## Data provenance

- Published by MyState Bank under the Consumer Data Right
- Product ID: `d79525be-1309-48e6-b034-4ed1a2ba17a1`
- Last updated by the provider: 28 August 2026
- Source payload (JSON): https://www.cdrcompare.au/api/raw/mystate-bank/d79525be-1309-48e6-b034-4ed1a2ba17a1
- Provider page: https://www.cdrcompare.au/brands/mystate-bank
- CDR register entry: https://www.cdr.gov.au/find-a-provider?provider=000432

---

Source: [CDR Compare](https://www.cdrcompare.au/brands/mystate-bank/products/d79525be-1309-48e6-b034-4ed1a2ba17a1) — product data published by Australian data holders under the Consumer Data Right. Not financial advice; no rankings, recommendations or affiliate relationships. Always confirm details with the provider.

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