State Custodians provides full-featured home and investment property loans for different types of borrowers
On this page you can find information about State Custodian home loans. Skip ahead to the full table of products or read more about the lender.
State Custodian's lowest rate for...
- Home buyers. The State Custodians Low Rate Home Loan with Offset - LVR up to 80% (Owner Occupier, P&I) has a 3.58% 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 3.83% p.a. interest rate and lets you borrow up to 80%.
Compare State Custodian home loans
Compare State Custodian home loan products below and hit "load more" to see a fuller selection of loans. "Go to site" will direct you to State Custodian’s website for the product you selected. You can also find more information on each individual product by clicking "more info".
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 Custodian 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 Custodian mortgage features
State Custodian 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 Custodian mortgages allow you to split your loan into fixed and variable portions. |
| Offset account | Many of State Custodian's 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 Custodian mortgage?
Clicking "Go to Site" on State Custodian's comparison table will start your application process and redirect you through to State Custodian’s website.
Eligibility
Each State Custodian 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 Custodian 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.
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
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
I am interested in refinancing to consolidate debt with little equity and self employed.
Is there a lender suitable for my needs?
Regards
Marie
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.
refinance
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.
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
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
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
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
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?
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
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?
Hi Miranda,
Thanks for your comment.
State Custodians did pass on the rate cut in May, along with many other Australian banks.
Cheers,
Shirley
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
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