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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 27 Oct 2026
Apply at MyState Bank ↗Product page ↗Fees and pricing ↗Terms ↗

At a glance

Fixed
1 yr 6.64%, 2 yrs 6.64%, 3 yrs 6.69%, 5 yrs 7.04%
Max LVR
98%
Features
extra repayments

How it compares

This home loan in ink, against the best that every other institution publishes for anyone to apply for. Each figure is counted the same way for all of them.

This home loan: 6.69%Every other institution's lowest, 81 in all

Owner occupier, principal & interest, 80% LVR. One dot per institution, at its lowest 1-year fixed home loan rate anyone can apply for; hover or tap a dot for its name.

RateThis home loanBest anywhereTypical institutionWhere it sits
1-year fixed home loanOwner occupier, principal & interest, 80% LVR6.69%5.99%Northern Inland Credit Union Ltd.'s Value Home Loan - Fixed 12M6.59%of 82 institutions46th lowest of 82, level with 2 others
2-year fixed home loanOwner occupier, principal & interest, 80% LVR6.69%6.09%BankVic's Fixed Rate Home Loan - 2 years6.62%of 84 institutions45th lowest of 84
3-year fixed home loanOwner occupier, principal & interest, 80% LVR6.74%6.24%Credit Union SA's 3-Year Fixed 40 Year Home Loan Package6.69%of 80 institutions43rd lowest of 80, level with 2 others
5-year fixed home loanOwner occupier, principal & interest, 80% LVR7.04%6.49%AMB Bank Product's 5 Year Fixed Rate Home Loan6.89%of 63 institutions43rd lowest of 63, level with 3 others

Rates

Every rate My State PM Production publishes for this home loan, 33 in all.

Variable and fixed, at 80% LVR

Owner occupier, principal and interest, the lowest rate for each

  1. 1 yr fixedtypical 6.59%6.69%
  2. 2 yrs fixedtypical 6.62%6.69%
  3. 3 yrs fixedtypical 6.69%6.74%
  4. 5 yrs fixedtypical 6.89%7.04%
This home loanTypical lender's best
TypeApplies toTermBandRateComparisonConditions
FixedInvestment, Interest only1 yr fixed≤80% LVR6.94%8.49%-
FixedInvestment, Interest only1 yr fixed80–90% LVR7.14%8.51%-
FixedInvestment, Interest only2 yrs fixed≤80% LVR6.99%8.33%-
FixedInvestment, Interest only2 yrs fixed80–90% LVR7.19%8.37%-
FixedInvestment, Interest only3 yrs fixed≤80% LVR7.04%8.20%-
FixedInvestment, Interest only3 yrs fixed80–90% LVR7.24%8.26%-
FixedInvestment, Interest only5 yrs fixed≤80% LVR7.24%8.05%-
FixedInvestment, Interest only5 yrs fixed80–90% LVR7.44%8.14%-
FixedInvestment, P&I1 yr fixed≤80% LVR6.84%8.47%-
FixedInvestment, P&I1 yr fixed80–90% LVR7.04%8.50%-
FixedInvestment, P&I2 yrs fixed≤80% LVR6.89%8.30%-
FixedInvestment, P&I2 yrs fixed80–90% LVR7.09%8.35%-
FixedInvestment, P&I3 yrs fixed≤80% LVR6.94%8.16%-
FixedInvestment, P&I3 yrs fixed80–90% LVR7.14%8.22%-
FixedInvestment, P&I5 yrs fixed≤80% LVR7.14%7.99%-
FixedInvestment, P&I5 yrs fixed80–90% LVR7.34%8.08%-
FixedOwner occupied, Interest only1 yr fixed≤80% LVR7.49%8.55%-
FixedOwner occupied, Interest only2 yrs fixed≤80% LVR7.49%8.43%-
FixedOwner occupied, Interest only3 yrs fixed≤80% LVR7.54%8.35%-
FixedOwner occupied, Interest only5 yrs fixed≤80% LVR7.84%8.32%-
FixedOwner occupied, P&I1 yr fixed≤70% LVR6.64%8.45%-
FixedOwner occupied, P&I1 yr fixed70–80% LVR6.69%8.48%-
FixedOwner occupied, P&I1 yr fixed80–90% LVR6.89%8.48%-
FixedOwner occupied, P&I2 yrs fixed≤70% LVR6.64%8.24%-
FixedOwner occupied, P&I2 yrs fixed≤98% LVR6.69%8.26%-
FixedOwner occupied, P&I2 yrs fixed70–80% LVR6.69%8.26%-
FixedOwner occupied, P&I2 yrs fixed80–90% LVR6.89%8.30%-
FixedOwner occupied, P&I3 yrs fixed≤70% LVR6.69%8.09%-
FixedOwner occupied, P&I3 yrs fixed≤98% LVR6.74%8.10%-
FixedOwner occupied, P&I3 yrs fixed70–80% LVR6.74%8.10%-
FixedOwner occupied, P&I3 yrs fixed80–90% LVR6.94%8.16%-
FixedOwner occupied, P&I5 yrs fixed≤80% LVR7.04%7.95%-
FixedOwner occupied, P&I5 yrs fixed80–90% LVR7.24%8.04%-

Rate changes

33 changes logged, newest first.

DateRateWasNowChange
27 Oct 2026Fixed, Investment, Interest only, 1 yr fixed, ≤80% LVR6.84%6.94%up 0.10
27 Oct 2026Fixed, Investment, Interest only, 1 yr fixed, 80–90% LVR7.04%7.14%up 0.10
27 Oct 2026Fixed, Investment, Interest only, 2 yrs fixed, ≤80% LVR6.89%6.99%up 0.10
27 Oct 2026Fixed, Investment, Interest only, 2 yrs fixed, 80–90% LVR7.09%7.19%up 0.10
27 Oct 2026Fixed, Investment, Interest only, 3 yrs fixed, ≤80% LVR6.94%7.04%up 0.10
27 Oct 2026Fixed, Investment, Interest only, 3 yrs fixed, 80–90% LVR7.14%7.24%up 0.10
27 Oct 2026Fixed, Investment, Interest only, 5 yrs fixed, ≤80% LVR7.14%7.24%up 0.10
27 Oct 2026Fixed, Investment, Interest only, 5 yrs fixed, 80–90% LVR7.34%7.44%up 0.10
27 Oct 2026Fixed, Investment, P&I, 1 yr fixed, ≤80% LVR6.74%6.84%up 0.10
27 Oct 2026Fixed, Investment, P&I, 1 yr fixed, 80–90% LVR6.94%7.04%up 0.10
27 Oct 2026Fixed, Investment, P&I, 2 yrs fixed, ≤80% LVR6.79%6.89%up 0.10
27 Oct 2026Fixed, Investment, P&I, 2 yrs fixed, 80–90% LVR6.99%7.09%up 0.10
27 Oct 2026Fixed, Investment, P&I, 3 yrs fixed, ≤80% LVR6.84%6.94%up 0.10
27 Oct 2026Fixed, Investment, P&I, 3 yrs fixed, 80–90% LVR7.04%7.14%up 0.10
27 Oct 2026Fixed, Investment, P&I, 5 yrs fixed, ≤80% LVR7.04%7.14%up 0.10
27 Oct 2026Fixed, Investment, P&I, 5 yrs fixed, 80–90% LVR7.24%7.34%up 0.10
27 Oct 2026Fixed, Owner occupied, Interest only, 1 yr fixed, ≤80% LVR7.34%7.49%up 0.15
27 Oct 2026Fixed, Owner occupied, Interest only, 2 yrs fixed, ≤80% LVR7.34%7.49%up 0.15
27 Oct 2026Fixed, Owner occupied, Interest only, 3 yrs fixed, ≤80% LVR7.39%7.54%up 0.15
27 Oct 2026Fixed, Owner occupied, Interest only, 5 yrs fixed, ≤80% LVR7.69%7.84%up 0.15
27 Oct 2026Fixed, Owner occupied, P&I, 1 yr fixed, ≤70% LVR6.49%6.64%up 0.15
27 Oct 2026Fixed, Owner occupied, P&I, 1 yr fixed, 70–80% LVR6.54%6.69%up 0.15
27 Oct 2026Fixed, Owner occupied, P&I, 1 yr fixed, 80–90% LVR6.74%6.89%up 0.15
27 Oct 2026Fixed, Owner occupied, P&I, 2 yrs fixed, ≤70% LVR6.49%6.64%up 0.15
27 Oct 2026Fixed, Owner occupied, P&I, 2 yrs fixed, ≤98% LVR6.54%6.69%up 0.15
27 Oct 2026Fixed, Owner occupied, P&I, 2 yrs fixed, 70–80% LVR6.54%6.69%up 0.15
27 Oct 2026Fixed, Owner occupied, P&I, 2 yrs fixed, 80–90% LVR6.74%6.89%up 0.15
27 Oct 2026Fixed, Owner occupied, P&I, 3 yrs fixed, ≤70% LVR6.54%6.69%up 0.15
27 Oct 2026Fixed, Owner occupied, P&I, 3 yrs fixed, ≤98% LVR6.59%6.74%up 0.15
27 Oct 2026Fixed, Owner occupied, P&I, 3 yrs fixed, 70–80% LVR6.59%6.74%up 0.15
27 Oct 2026Fixed, Owner occupied, P&I, 3 yrs fixed, 80–90% LVR6.79%6.94%up 0.15
27 Oct 2026Fixed, Owner occupied, P&I, 5 yrs fixed, ≤80% LVR6.89%7.04%up 0.15
27 Oct 2026Fixed, Owner occupied, P&I, 5 yrs fixed, 80–90% LVR7.09%7.24%up 0.15

Each change is logged the night it appears in the rates MyState Bank publishes. See how every lender answered the RBA on the rate tracker.

Fees

21 fees published, grouped by when they're charged.

When you take it out4

  • Additional Valuation Fee (per each additional security)
    $200
  • Establishment Fee - Increase to existing mortgage loans
    $350
  • Establishment Fee
    $300
  • Settlement Fee
    $350

When particular things happen16

  • 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).

    $30
  • Cheques deposited and dishonoured (per cheque)

    Whenever a cheque deposited to your loan account is dishonoured

    $20
  • Copy of Title

    Payable upon a request to provide a copy of the certificate of Title

    $30
  • Demand notices
    $30
  • Dishonour and Rejection fee (per dishonour)

    Whenever a payment to your loan account is dishonoured or rejected.

    $5
  • 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…

    0.15% of balance
  • Letter of Variation

    Payable on approval of each variation under this loan contract.

    $150
  • Mortgage discharge

    Payable on discharge of security

    $380
  • Mortgage preparation

    Payable on the preparation of each new mortgage over the goods or property required to secure this loan contract

    $95
  • Non-insurance Renewal Service expense
    $25
  • Other default notices
    $30
  • Overdrawn Administration Fee
    $30
  • Progressive draw (per draw)

    Payable on an approval of each progressive draw request.

    $150
  • Subsequent dealing

    Payable on a request for each consent given or subsequent dealing request approved under this loan contract.

    $150
  • 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…

    $150
  • Title production

    Payable upon a request to produce the certificate of title.

    $150

Other fees1

  • 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 calculatio…

    From $0

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…

Eligibility and limits

  • Minimum age 18
  • Residency: An Australian citizen or permanent resident
  • Minimum balance $30,000

Published by MyState Bank under the Consumer Data Right, last changed by them on 27 Oct 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.