State Custodians Home Loans

Rates and fees last updated on

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

State Custodians has provided more than $1 billion in home loans to date, and offers the ability to borrow up to 95% of the property value on a wide range of their available loans.

Its loans are funded by Resimac LIMITED, a 30-year industry veteran, awarded a 'strong' servicer ranking by Standard and Poors, the ratings agency's highest category.

Compare Home Loans From State Custodians

State Custodians Low Rate Home Loan with Offset

State Custodians Low Rate Home Loan with Offset - LVR up to 80% (Owner Occupier)

3.69 % p.a.

variable rate

3.72 % p.a.

comparison rate

State Custodians Low Rate Home Loan with Offset

A low rate variable home loan offer available with a low annual fee. Includes 100% offset facility and no application fee.

  • Interest rate of 3.69% p.a.
  • Comparison rate of 3.72% p.a.
  • Application fee of $0
  • Maximum LVR: 80%
  • Minimum borrowing: $100,000
  • Max borrowing: $2,000,000
Go to site
Rates last updated May 27th, 2017
Loan purpose
Offset account
Loan type
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Interest Rate (p.a.) Comp Rate^ (p.a.) Application Fee Ongoing Fees Max LVR Monthly Payment
3.69% 3.72% $0 $0 p.a. 80% Go to site More info
State Custodians Low Rate LOC - LVR up to 80% (Owner Occupier)
No application fee and competitive interest rate to access the equity in your home.
3.69% 3.72% $0 $0 p.a. 80% Go to site More info
State Custodians Low Rate LOC - LVR 80% to 90% (Owner Occupier)
Borrow up to 90% property value and pay no application fee.
3.79% 3.82% $0 $0 p.a. 90% Go to site More info
State Custodians Low Rate LOC - LVR up to 80% (Investor)
Access the equity in order to further your investment opportunities.
4.09% 4.12% $0 $0 p.a. 80% Go to site More info
4.09% 4.12% $0 $0 p.a. 80% Go to site More info
4.19% 4.22% $0 $0 p.a. 90% Go to site More info
State Custodians Low Rate LOC - LVR 80% to 90% (Investor)
An investment home loan with no application fee and unlimited extra repayment options.
4.19% 4.22% $0 $0 p.a. 90% Go to site More info
3.79% 3.82% $0 $0 p.a. 90% More info

What features can I get with a State Custodians loan?

Some State Custodian home loans can come with a variety of features including:

  • 100% offset account available
  • Unlimited extra repayments
  • Line of Credit portion available
  • BPAY facilities
  • MasterCard debit card allowing ATM & EFTPOS access
  • Low LVR discount
  • Fixed and variable interest rate portions available
  • Principal & Interest & Interest-only portions available
  • Loan portability

What types of loans does State Custodians offer?

  • A range of Standard Variable and Fixed Rate Loans. State Custodians offers multiple variable rate loans with a variety of features and rates, as well as a standard fixed rate loan.
  • Low Doc loans up to $1.5 M. State Custodians has low doc options to suit people who don't fit the mould of standard loan assessment requirements.
  • Full Doc Specialist Loans. These loans suit many borrowers who have had late payments, unpaid defaults or other issues that might have impacted their credit score.
  • Self Managed Super Fund (SMSF). State Custodians offers a competitively priced limited recourse SMSF loan

Calculate your repayments by filling in some of your details

How to apply

State Custodians offers an online application that provides an instant response. If you're not eligible for the loan, State Custodians will discuss your options with you. The application can't be used for SMSF loans or loans in a company or trust name. When you apply, you'll need to set up an online account with State Custodians.

What do you need in order to apply with State Custodians?
  • Set up an online account - Set a password as well as secret question and answer
  • Personal details - full name, address, marital status and residency status as well as proof of identity
  • Employment details - whether you are PAYG or self-employed and annual income
  • Loan details - product name, borrowing situation and security property details
  • Financial details - your assets, liabilities and equity
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This page was last modified on 23 May 2017 at 2:34pm.

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Discount off an already competitive interest rate for loans over $150k. NSW, QLD and ACT residents only.

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16 Responses to State Custodians Home Loans

  1. Default Gravatar
    leanne | March 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

    • Staff
      Shirley | March 27, 2015

      Hi Leanne,

      Thanks for your question and we’re sorry to hear about your situation.

      Please note that 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’.


  2. Default Gravatar
    Marie | January 2, 2015

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

    Is there a lender suitable for my needs?


    • Staff
      Marc | January 5, 2015

      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,

  3. Default Gravatar
    asad | June 2, 2014


    • Staff
      Marc | June 2, 2014

      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.


  4. Default Gravatar
    Lars | February 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


    • Staff
      Shirley | February 26, 2014

      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.


  5. Default Gravatar
    wayne | December 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



    • Staff
      Shirley | December 6, 2013

      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.


  6. Default Gravatar
    Pauline | July 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?

    • Staff
      Matt | July 26, 2013

      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.


  7. Default Gravatar
    Miranda | July 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?

    • Staff
      Shirley | July 17, 2013

      Hi Miranda,

      Thanks for your comment.

      State Custodians did pass on the rate cut in May, along with many other Australian banks.


  8. Default Gravatar
    john | July 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?

    • Staff
      Shirley | July 1, 2013

      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.


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