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State Custodians Home Loans

State Custodians provides full-featured home and investment property loans for different types of borrowers

Last updated: 23 October 2019

On this page you can find information about State Custodians home loans. Skip ahead to the full table of products or read more about the lender.

State Custodians' lowest rate for...

Home buyers. The State Custodians Low Rate Home Loan with Offset - LVR up to 80% (Owner Occupier, P&I) has a 2.9% p.a. interest rate and lets you borrow up to 80%.
Investors. The State Custodians Low Rate Home Loan with Offset - LVR up to 80% (Investor, P&I) has a 3.15% p.a. interest rate and lets you borrow up to 80%.

Compare State Custodians home loans

Compare State Custodians home loan products below and hit "load more" to see a fuller selection of loans. "Go to site" will direct you to State Custodians' website for the product you selected. You can also find more information on each individual product by clicking "more info".

Rates last updated January 19th, 2020

Loan purpose

Offset account

Show all Yes No

Loan type

Show all Fixed Variable

Repayment type

Show all Principal & Interest Interest only

Name	Interest Rate (p.a.)	Comp Rate^ (p.a.)	Application Fee	Ongoing Fees	Max LVR	Short Description
State Custodians Low Rate Home Loan with Offset - LVR up to 80% (Owner Occupier, P&I)	2.90%	2.92%	$0	$0 p.a.	80%	This loan offers a competitive variable rate and a 100% offset account to help save you on interest repayments.	More info	Compare	loading Fetching your data...
State Custodians Low Rate Home Loan with Offset - LVR up to 80% (Investor, P&I) 2019 Winner	3.15%	3.17%	$0	$0 p.a.	80%	This investment loan keeps fees low, has a sharp interest rate and comes with a 100% offset account.	More info	Compare	loading Fetching your data...
State Custodians Low Rate LOC - LVR up to 80% (Owner Occupier, IO)	3.15%	3.16%	$0	$0 p.a.	80%	A low-fee line of credit loan from an online lender. Unlock the equity in your home and make interest-only repayments with a competitive rate.	More info	Compare	loading Fetching your data...
State Custodians Low Rate Home Loan with Offset - LVR 80% to 90% (Owner Occupier, P&I)	3.20%	3.22%	$0	$0 p.a.	90%	Save on interest with a free 100% offset account and buy your property with just a 10% deposit.	More info	Compare	loading Fetching your data...
State Custodians Low Rate Home Loan with Offset - LVR Over 90% (Owner Occupier, P&I)	3.40%	3.42%	$0	$0 p.a.	95%	Variable rate mortgage with low fees that's available with a 5% deposit. 100% offset account attached.	More info	Compare	loading Fetching your data...
State Custodians Low Rate LOC - LVR up to 80% (Investor, IO)	3.40%	3.41%	$0	$0 p.a.	80%	Investors can easily access their equity using BPAY, a debit Master Card or cheque book with this interest-only line of credit.	More info	Compare	loading Fetching your data...
State Custodians Low Rate Home Loan with Offset - LVR 80% to 90% (Investor, P&I)	3.45%	3.47%	$0	$0 p.a.	90%	Access a fee-free offset account and a special interest rate for investors.	More info	Compare	loading Fetching your data...
State Custodians Low Rate Home Loan with Offset - LVR Over 90% (Investor, P&I)	3.65%	3.67%	$0	$0 p.a.	95%	Variable investor rate available with a 5% deposit. Comes with a 100% offset account.	More info	Compare	loading Fetching your data...
State Custodians Low Rate Home Loan with Offset - LVR up to 80% (Owner Occupier, IO)	3.15%	3.01%	$0	$0 p.a.	80%	A competitive rate with no application or ongoing fee.	More info	Compare	loading Fetching your data...
State Custodians Low Rate Home Loan with Offset - LVR up to 80% (Investor, IO)	3.40%	3.26%	$0	$0 p.a.	80%	A competitive rate with no application or ongoing fee.	More info	Compare	loading Fetching your data...
State Custodians Low Rate Home Loan with Offset - LVR up to 70% (Owner Occupier, P&I)	2.83%	2.85%	$0	$0 p.a.	70%	A competitive rate with no application or ongoing fee.	More info	Compare	loading Fetching your data...
State Custodians Low Rate Home Loan with Offset - LVR up to 70% (Investor, P&I)	3.08%	3.10%	$0	$0 p.a.	70%	A competitive rate with no application or ongoing fee.	More info	Compare	loading Fetching your data...
State Custodians Low Rate LOC - LVR up to 70% (Owner Occupier, IO)	3.08%	3.10%	$0	$0 p.a.	70%	Withdraw up to 70% of your home equity with this competitive line of credit loan.	More info	Compare	loading Fetching your data...
State Custodians Fixed Rate Home Loan - 1 Year Fixed LVR 80% (Owner Occupier, P&I)	3.94%	3.01%	$0	$0 p.a.	80%		More info	Compare	loading Fetching your data...
State Custodians Low Rate LOC - LVR 80% to 90% (Investor, IO)	3.70%	3.71%	$0	$0 p.a.	90%		More info	Compare	loading Fetching your data...

Compare up to 4 providers

State Custodian lender profile

State Custodians is a non-bank lender funded by Resimac. It has written more than $1 billion in home loans to date.
State Custodians has mortgages for home buyers and investors, plus line of credit loans.
As an online lender, State Custodians has no physical branches but does have online and phone support.

State Custodians mortgage features

State Custodians has multiple home loans for investors and owner occupiers, with fixed and variable rates, plus line of credit loans.

Feature	Details
Deposit size	Some State Custodians mortgages let you borrow up to 95% of a property's value. But their most competitive rates require a 20% deposit, meaning you can borrow up to 80%.
Split rate	Most State Custodians mortgages allow you to split your loan into fixed and variable portions.
Offset account	Many of State Custodians' products come with an offset account, including the State Custodians Low Rate Home Loan with Offset - LVR up to 80% (Owner Occupier, P&I).
Redraw	Most State Custodians home loans have a redraw facility.

How do I apply for a State Custodians mortgage?

Clicking "Go to Site" on State Custodians' comparison table will start your application process and redirect you through to State Custodians' website.

Eligibility

Each State Custodians product have specific eligibility criteria but some will apply to all products. For example:

Age. You must be over 18 years of age.
Residency. You should be a resident of Australia.
Employment. You should have a regular source of income.

Documents required

When you apply for a mortgage with State Custodians you are required to provide certain information so make sure you have all your documents ready before you apply. The documents you will be expected to provide are:

Identification documents. You will need identification such as a driver's license, passport or birth certificate.
Proof of income documents. Recent payslips can establish your income.
Asset and liability documents. You need to provide documents showing your current assets (savings accounts, investments) and liabilities (your outstanding debt).

Detailed guide to home loan applications and paperwork

Looking for more mortgage options?

Online lenders. Compare more mortgages from online lenders.
Big Four banks. Check out home loan rates from Australia's Big Four banks.
Investors. Compare loans for property investors.
Mortgage brokers. Find out how to get free, expert guidance from a mortgage broker.

Thank you for your feedback!

Richard Whitten

Richard Whitten is Finder's senior home loans writer. He helps Australians understand the ins and outs of mortgages so they can find lower rates and make smarter property decisions. Richard trained as a high school English teacher at the University of Sydney, but found that mortgage management was more rewarding than classroom management. Before working at Finder he lived in Seoul, where he edited textbooks and ran communication courses for Korean corporations.

St.George Basic Home Loan - LVR 60% to 80% (Owner Occupier, P&I)

Online only cashback offer: Refinancers borrowing $250,000 or more can get a $4,000 cashback for their first application (Other terms, conditions and exclusions apply). Buyers and refinancers can get this competitive variable interest rate. Application fee waived for loans above $150,000.

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UBank UHomeLoan Variable Rate - Discount offer for Owner Occupiers, P&I Borrowing over $200,000

Take advantage of a low-fee mortgage with a special interest rate of just 2.84% p.a. and a 2.84% p.a. comparison rate.

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HSBC Home Value Loan - Promotional Offer (Owner Occupier P&I)

Get a low interest rate loan with no ongoing fees. Plus you can make extra repayments and free redraw online. Available with just a 10% deposit.

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loans.com.au Smart Home Loan - (Owner Occupier, P&I)

Get one of the lowest variable interest rates on the market and pay 0 application or ongoing fees.

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16 Responses

leanneMarch 26, 2015

I was injured at work 3years ago and me bank have foreclosed on my home of 20 years. I now been invalid retired and have regular fortnight payments I can have my home back if I pay around 260000 it worth about 360000 please can you help me I devastated don’t know what I can do

Reply
- finder Customer Care
  
  ShirleyMarch 27, 2015Staff
  
  Hi Leanne,
  
  Thanks for your question and we’re sorry to hear about your situation.
  
  Please note that finder.com.au is an online comparison and information service and is not a product issuer. If you would like to discuss your eligibility or options, please get in touch with State Custodians directly by clicking on ‘Go to site’.
  
  Thanks,
  Shirley
  
  Reply
MarieJanuary 2, 2015

I am interested in refinancing to consolidate debt with little equity and self employed.

Is there a lender suitable for my needs?

Regards
Marie

Reply
- finder Customer Care
  
  MarcJanuary 5, 2015Staff
  
  Hi Marie,
  thanks for the question.
  
  There are a range of lenders which offer debt consolidation refinancing. You can find out more about this in our guide.
  
  I hope this helps,
  Marc.
  
  Reply
asadJune 2, 2014

refinance

Reply
- finder Customer Care
  
  MarcJune 2, 2014Staff
  
  Hi Asad,
  thanks for the question.
  
  If you’re interested in refinancing a home loan to a loan with State Custodians, you might want to compare the different loans they offer and then contact them directly to discuss your options. You can also read more about refinancing here.
  
  Cheers,
  Marc.
  
  Reply
LarsFebruary 26, 2014

We would like to build our next house which costs 550k. Could please advise of the following:
land Debt 650k
Home debt 425 (value 1.2mill)
Each of the above are on fixed interest on separate loans.

Look forward to your help

cheers
Lars

Reply
- finder Customer Care
  
  ShirleyFebruary 26, 2014Staff
  
  Hi Lars,
  
  Thanks for your question,
  
  For specific home loan questions, please direct them straight to State Custodians.
  
  I’ve emailed you their contact details.
  
  Cheers,
  Shirley
  
  Reply
wayneDecember 6, 2013

We would like to build a 2nd property and would like advice on the following
1. Loan approx 1 million
2. Equity required
To construct a new home for selling purposes

We look forward to your advice when convenient

Regards

Wayne

Reply
- finder Customer Care
  
  ShirleyDecember 6, 2013Staff
  
  Hi Wayne,
  
  Thanks for your comment.
  
  State Custodians can help you find a home loan that’s suitable for your situation. I’ve emailed you their contact details.
  
  Cheers,
  Shirley
  
  Reply
PaulineJuly 26, 2013

I’d like to know who State Custodians is backed by – ie. if I have a mortgage with you and you go under, who takes responsibility for the loan?

Reply
- finder Customer Care
  
  MattJuly 26, 2013Staff
  
  Hi Pauline,
  
  Thanks for your question. State Custodians Mortgage Company is funded by RESIMAC Limited who have been a Non-Bank Lender since 1985. Both State Custodians and RESIMAC promote responsible lending and both hold an ASIC Credit Licence.
  
  Make sure you let us know how you go with your loan application. If you have any further questions please feel free to leave another comment or email me.
  
  Cheers
  Matt
  
  Reply
MirandaJuly 17, 2013

I’ve read in online reviews that State Custodians do not pass on interest rate cuts. I this true and is there a company policy regarding rate cuts?

Reply
- finder Customer Care
  
  ShirleyJuly 17, 2013Staff
  
  Hi Miranda,
  
  Thanks for your comment.
  
  State Custodians did pass on the rate cut in May, along with many other Australian banks.
  
  Cheers,
  Shirley
  
  Reply
johnJuly 1, 2013

I’m looking to refinace my mortgage. Can I also get a credit card linked to or as part of the mortgage with SCMC?
John

Reply
- finder Customer Care
  
  ShirleyJuly 1, 2013Staff
  
  Hi John,
  
  Thanks for your comment.
  
  You can definitely refinance your mortgage with SCMC however, there is a debit card linked to your account not a credit card.
  
  If you still want to refinance, please browse through our SCMC loans and if you think one of them is suitable for you, please click enquire to be safely redirected to SCMC.
  
  Cheers,
  Shirley
  
  Reply

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State Custodians Home Loans

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