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State Custodians Home Loans

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

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State Custodians

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.

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 April 9th, 2020
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
State Custodians Low Rate Home Loan with Offset - LVR up to 80% (Owner Occupier P&I)
$0 p.a.
This loan offers a competitive variable rate and a 100% offset account to help save you on interest repayments. This loan is not available for construction.
State Custodians Low Rate Home Loan with Offset - LVR up to 80% (Investor P&I)
$0 p.a.
This investment loan keeps fees low, has a sharp interest rate and comes with a 100% offset account. This loan is not available for construction.
State Custodians Low Rate LOC - LVR up to 80% (Owner Occupier IO)
$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. This loan is not available for construction.

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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.

Deposit sizeSome 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 rateMost State Custodians mortgages allow you to split your loan into fixed and variable portions.
Offset accountMany 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).
RedrawMost 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.


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?

Home Loan Offers

Important Information*
Logo for UBank UHomeLoan Variable Rate - Discount offer for Owner Occupiers, P&I Borrowing over $200,000
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 2.59% p.a. and a 2.59% p.a. comparison rate.

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

Logo for Suncorp Back to Basics Home Loan - Better Together Special Offer $150k+ LVR<=90% Incl. LMI (Owner Occupier, P&I)
Suncorp Back to Basics Home Loan - Better Together Special Offer $150k+ LVR<=90% Incl. LMI (Owner Occupier, P&I)

Get one free online redraw per month and pay no ongoing fees. Application fees are waived for loans above $150,000.

Logo for Essentials - Variable (Owner Occupier, P&I) Essentials - Variable (Owner Occupier, P&I)

A competitive interest rate home loan with interest only options. Interest rate 2.79% p.a.
comp rate of 2.81% p.a.

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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

    • Avatarfinder 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?


    • Avatarfinder 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


    • Avatarfinder 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


    • Avatarfinder 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



    • Avatarfinder 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?

    • Avatarfinder 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?

    • Avatarfinder 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?

    • Avatarfinder 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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