Breathe Easy
Home Loan

You can breathe easy knowing that there are no ongoing fees without sacrificing the features you need.

Features and Benefits

  • No ongoing fees and a competitive low rate

    Ideal for smaller loan amounts or borrowers who just like the peace of mind knowing there is nothing else to pay.

  • 100% offset account

    Includes features like a 100% offset account to get your savings working for you. Plus you have easy access to your cash via BPAY®, Debit MasterCard® and EFTPOS.

  • Borrow up to 95% of the value of the property

    Gives you flexibility if you don’t have a large deposit saved or you end up buying a property for more than you expected.

  • Setup the loan the way you want

    Choose from principal & interest or interest only repayments. You also have the choice of weekly, fortnightly or monthly repayments, plus unlimited extra repayments and free online redraw. You can also choose a fixed rate for all or part of your loan.

Product not suitable for construction purposes. To view interest rates for this loan click here. For more information on our 100% offset account, BPAY®, Debit MasterCard® and fees click here.


  • Application $0
  • Valuation $286 per valuation
  • Annual $0
  • Discharge $300 plus legal
  • For other fees and charges that may apply contact us.

CANSTAR Outstanding Value Variable Home Loan Owner Occupied
CANSTAR Outstanding Value Variable Home Loan Investor

Calculate Your Repayments

Why Choose State Custodians?

  • Save

    Without brokers and branches we keep our costs low and pass the savings on to you

  • Award Winning Loans

    Awarded highest 5 star Canstar rating for outstanding value & packed with features

  • Personalised Service

    A dedicated Lending Specialist is ready to assist you, from exploring options to simplifying the application process

  • Quick Response

    From a quick question to a detailed discussion, no need for appointments, just phone, email or Live Chat



Nothing short of exemplary

I would like to express how pleased I am with State Custodians. I have had many communications with your company while searching for my property and it has been nothing short of exemplary. Always friendly and helpful. I am looking forward to working with State Custodians to help me pay off my loan so I can enjoy my property. I would readily recommend State Custodians to anyone.

Mount Waverley, VIC

So glad I made the move

Thank you so much. It has been such a pleasant surprise dealing with State Custodians. You guys are really different to the big banks. I am so glad I made the move.

Cammeray, NSW

Wonderful experience

State Custodians was good in every aspect of the loan approval process including their unbeatable interest rates. I will be recommending State Custodians to my friends and others who are in the market for a home loan. I will definitely let them know my positive and wonderful experience with State Custodians

Curtin, ACT


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