How can we help?

Not sure where to start? No matter what you are looking to do we are here to help you understand your options.

How much could you save by reducing
your interest rate?
  • $
  • %
  • 1598.15
    Estimated figure is based on a 1 year interest only loan with no principal payments, is provided for illustrative purposes only, and should not be relied upon for any reason. Interest savings may be impacted by other factors not considered in this calculation, please seek advice or refer to the terms and conditions of your credit product.

Who is State Custodians?

State Custodians is one of Australia’s most awarded online lenders. Our team is focused on finding ways to help our customers achieve their goals, creating an outstanding borrowing experience.

  • Leading
    Online Lender

    Providing home loan borrowers a real alternative to the banks
    since 2007

  • Recognised Leader

    Money magazine’s 2015
    Non-Bank Lender of the Year
    5 years in a row

  • Quality Assured

    Full credit licence and a member of the MFAA and the Credit & Investments Ombudsman

  • Backed by

    Funding home loans for 30 years and hold a 'STRONG' servicer ranking by Standard & Poor's

  • CANSTAR Outstanding Value Variable Home LoanOwner Occupied
  • Cheapest Line of Credit 2016_Non-Bank Lender Of The Year Award
  • Customer service award
  • Mozo experts choice awards 2016 offset winner


Would recommend them
to anyone

Have dealt with many banks over my time and finally found one that isn’t a bank but offers far better client services than any of the others. The application for a loan was stress free and communication was informative and understandable. The team I dealt with were very courteous and knew their job and did it well. Would recommend them to anyone looking for a stress free way to get a loan.

Smoothly & effortlessly

I joined the State Custodians because of the outstanding online reviews and because they offered the best variable interest rate. I had some reservations at first as they don't have a branch. However, I was positively surprised to see how smoothly and effortlessly the whole process went. The customer service team is highly responsive and I always received replies either immediately or within the next 24 hours. Thank you for all your help!

They leave the banks for dead!

We have been customers of State Custodians for a few years now, both in terms of refinancing properties and new purchase. Overall, we can't speak highly enough of their customer service and product. All of our transactions have always proceeded smoothly and it's never too much trouble to gain clarification about anything you need to know from any of their friendly staff. Give them a go, they leave the banks for dead!!

Talk to Us

Our team of experienced Lending Specialists are ready to help you.