My State PM Production
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.
Home loansBank updated 28 Aug 2026
At a glance
- Fixed
- 1 yr 6.49% · 2 yrs 6.49% · 3 yrs 6.54% · 5 yrs 6.89%
- Max LVR
- 98%
- Features
- extra repayments
§ 01 — Rates · 33
| Type | Applies to | Term | Band | Rate | Comparison | Conditions |
|---|---|---|---|---|---|---|
| Fixed | Investment · Interest only | 1 yr fixed | ≤80% LVR | 6.84% | 8.25% | — |
| Fixed | Investment · Interest only | 1 yr fixed | 81–90% LVR | 7.04% | 8.28% | — |
| Fixed | Investment · Interest only | 2 yrs fixed | ≤80% LVR | 6.89% | 8.11% | — |
| Fixed | Investment · Interest only | 2 yrs fixed | 81–90% LVR | 7.09% | 8.15% | — |
| Fixed | Investment · Interest only | 3 yrs fixed | ≤80% LVR | 6.94% | 8.00% | — |
| Fixed | Investment · Interest only | 3 yrs fixed | 81–90% LVR | 7.14% | 8.06% | — |
| Fixed | Investment · Interest only | 5 yrs fixed | ≤80% LVR | 7.14% | 7.87% | — |
| Fixed | Investment · Interest only | 5 yrs fixed | 81–90% LVR | 7.34% | 7.96% | — |
| Fixed | Investment · P&I | 1 yr fixed | ≤80% LVR | 6.74% | 8.24% | — |
| Fixed | Investment · P&I | 1 yr fixed | 81–90% LVR | 6.94% | 8.26% | — |
| Fixed | Investment · P&I | 2 yrs fixed | ≤80% LVR | 6.79% | 8.09% | — |
| Fixed | Investment · P&I | 2 yrs fixed | 81–90% LVR | 6.99% | 8.13% | — |
| Fixed | Investment · P&I | 3 yrs fixed | ≤80% LVR | 6.84% | 7.96% | — |
| Fixed | Investment · P&I | 3 yrs fixed | 81–90% LVR | 7.04% | 8.02% | — |
| Fixed | Investment · P&I | 5 yrs fixed | ≤80% LVR | 7.04% | 7.81% | — |
| Fixed | Investment · P&I | 5 yrs fixed | 81–90% LVR | 7.24% | 7.90% | — |
| Fixed | Owner occupied · Interest only | 1 yr fixed | ≤80% LVR | 7.34% | 8.31% | — |
| Fixed | Owner occupied · Interest only | 2 yrs fixed | ≤80% LVR | 7.34% | 8.21% | — |
| Fixed | Owner occupied · Interest only | 3 yrs fixed | ≤80% LVR | 7.39% | 8.13% | — |
| Fixed | Owner occupied · Interest only | 5 yrs fixed | ≤80% LVR | 7.69% | 8.11% | — |
| Fixed | Owner occupied · P&I | 1 yr fixed | ≤70% LVR | 6.49% | 8.21% | — |
| Fixed | Owner occupied · P&I | 1 yr fixed | 71–80% LVR | 6.54% | 8.22% | — |
| Fixed | Owner occupied · P&I | 1 yr fixed | 81–90% LVR | 6.74% | 8.24% | — |
| Fixed | Owner occupied · P&I | 2 yrs fixed | ≤70% LVR | 6.49% | 8.03% | — |
| Fixed | Owner occupied · P&I | 2 yrs fixed | ≤98% LVR | 6.54% | 8.04% | — |
| Fixed | Owner occupied · P&I | 2 yrs fixed | 71–80% LVR | 6.54% | 8.04% | — |
| Fixed | Owner occupied · P&I | 2 yrs fixed | 81–90% LVR | 6.74% | 8.08% | — |
| Fixed | Owner occupied · P&I | 3 yrs fixed | ≤70% LVR | 6.54% | 7.87% | — |
| Fixed | Owner occupied · P&I | 3 yrs fixed | ≤98% LVR | 6.59% | 7.89% | — |
| Fixed | Owner occupied · P&I | 3 yrs fixed | 71–80% LVR | 6.59% | 7.89% | — |
| Fixed | Owner occupied · P&I | 3 yrs fixed | 81–90% LVR | 6.79% | 7.95% | — |
| Fixed | Owner occupied · P&I | 5 yrs fixed | ≤80% LVR | 6.89% | 7.75% | — |
| Fixed | Owner occupied · P&I | 5 yrs fixed | 81–90% LVR | 7.09% | 7.84% | — |
§ 02 — Fees · 21
| Fee | Type | Amount | When | Notes |
|---|---|---|---|---|
| Arrears Administration Fee | Event | $30 | — | 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). |
| Cheques deposited and dishonoured (per cheque) | Event | $20 | — | Whenever a cheque deposited to your loan account is dishonoured |
| Copy of Title | Event | $30 | — | Payable upon a request to provide a copy of the certificate of Title |
| Demand notices | Event | $30 | — | — |
| Dishonour and Rejection fee (per dishonour) | Event | $5 | — | Whenever a payment to your loan account is dishonoured or rejected. |
| Fixed Rate Lock In Fee. | Event | 0.15% of balance | — | 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… |
| Letter of Variation | Event | $150 | — | Payable on approval of each variation under this loan contract. |
| Mortgage discharge | Event | $380 | — | Payable on discharge of security |
| Mortgage preparation | Event | $95 | — | Payable on the preparation of each new mortgage over the goods or property required to secure this loan contract |
| Non-insurance Renewal Service expense | Event | $25 | — | — |
| Other default notices | Event | $30 | — | — |
| Overdrawn Administration Fee | Event | $30 | — | — |
| Progressive draw (per draw) | Event | $150 | — | Payable on an approval of each progressive draw request. |
| Subsequent dealing | Event | $150 | — | Payable on a request for each consent given or subsequent dealing request approved under this loan contract. |
| Switch Fee | Event | $150 | — | 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… |
| Title production | Event | $150 | — | Payable upon a request to produce the certificate of title. |
| Break Cost Fee | Other | $0 | — | 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 calculatio… |
| Additional Valuation Fee (per each additional security) | Upfront | $200 | — | — |
| Establishment Fee - Increase to existing mortgage loans | Upfront | $350 | — | — |
| Establishment Fee | Upfront | $300 | — | — |
| Settlement Fee | Upfront | $350 | — | — |
§ 03 — Features
Extra repaymentsDigital banking
- · 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…
§ 04 — Eligibility & limits
- · Minimum age 18
- · Residency: An Australian citizen or permanent resident
- · Minimum balance $30,000
§ 06 — Run the numbers
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Published by MyState Bank under the Consumer Data Right, last changed by them on 28 Aug 2026. Figures are shown as the institution publishes them and can change without notice; confirm on their site before applying. The Finance Algorithm earns nothing from any product listed here.