State Custodians Home Loans

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. 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

Rates last updated December 19th, 2018
Loan purpose
Offset account
Loan type
Repayment type
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Name Product Interest Rate (p.a.) Comp Rate^ (p.a.) Application Fee Ongoing Fees Max LVR Monthly Payment Short Description
$0 p.a.
This loan offers a competitive variable rate and a 100% offset account to help save you on interest repayments.
$0 p.a.
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.
$0 p.a.
Special Owner Occupier Rate. Free Offset Account.
$0 p.a.
Investors can easily access their equity using BPAY, a debit Master Card or cheque book with this interest-only line of credit.
$0 p.a.
This investment loan keeps fees low, has a sharp interest rate and comes with a 100% offset account.
$0 p.a.
Access a fee-free offset account and a special interest rate for investors.
$0 p.a.
Save on interest with a free 100% offset account and buy your property with just a 10% deposit.
$0 p.a.
A special investment rate and an offset account.
$0 p.a.
A competitive rate with no application or ongoing fee.
$0 p.a.

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Who is State Custodians?

State Custodians is a non-bank lender funded by Resimac LIMITED, a 30-year industry veteran, awarded a 'strong' servicer ranking by Standard and Poors, the ratings agency's highest category. It has written more than $1 billion in home loans to date. Because State Custodians is an online lender without physical branches, it saves on overheads and can pass low rates on to you.

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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Home Loan Offers

Important Information*
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 3.59% p.a. and a 3.59% p.a. comparison rate.

HSBC Home Value Loan - (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. Essentials - Variable (Owner Occupier, P&I)

A competitive interest rate home loan with interest only options. Interest rate 3.64% p.a.
comp rate of 3.66% p.a.

Tic:Toc Live in Loan Variable Rate - Principal & Interest

Get a very low interest rate and avoid big fees. Apply online for full approval in under 30 minutes and add a 100% offset account for $10 a month.

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16 Responses

  1. Default Gravatar
    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

    • finder Customer Care
      ShirleyMarch 27, 2015Staff

      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
    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?


    • 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,

  3. Default Gravatar
    asadJune 2, 2014


    • 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.


  4. Default Gravatar
    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


    • 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.


  5. Default Gravatar
    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



    • 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.


  6. Default Gravatar
    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?

    • 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.


  7. Default Gravatar
    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?

    • 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.


  8. Default Gravatar
    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?

    • 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.


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