Why Choose State Custodians?

State Custodians is one of Australia's most awarded non-bank lenders offering a broad range of home loans to borrowers Australia wide. Our borrowers deal directly with us, which means that the benefits and savings are passed on to you.

  • Fantastic Interest Rates
  • Trusted, Award Winning Loans
  • Quick Response
  • Flexibility & Options

Compare Our Variable Home Loan Rates

Loan Purpose LVR
Loan to Value Ratio: the proportion of money you intend to borrow compared to the value of the property.
Variable Rate Comparison Rate*
Owner Occupier ≤80% 3.64% 3.67%
Owner Occupier 80% - 90% 3.74% 3.77%
Owner Occupier 90% - 95% 3.94% 3.97%
Investment ≤80% 3.99% 4.02%
Investment 80% - 90% 4.09% 4.12%
Investment 90% - 95% 4.29% 4.32%

Fees & Costs

Application Fee Annual Fee Discharge Fee Valuation Fee
$0 $0 $300 plus Legal From $286 per
For other fees and charges that may apply
contact us
Restrictions and additional lending criteria apply to owner occupied and investment loans with
Principal and Interest (P&I) repayments and Interest Only (IO) repayments.

Low Rate Home LoanHome Loan Features

Rates From

Variable Rate** 3.64 % P.A

Comparison Rate* 3.67 % P.A

  • No onging fees
  • Free online redraw
  • Free 100% offset account
  • Min loan amount $100k,
    max loan amount $2m
  • Principal & interest or
    interest only
  • Borrow up to 95% of the property value
  • Split Loan Facility
  • Debit MasterCard®
  • Direct Debit & Credit Facility
  • Unlimited extra payments
  • Weekly, fortnightly or monthly repayments
Restrictions, rate surcharges and additional lending criteria apply.
**Interest rate shown applies to new eligible owner occupied loans at 80% LVR with Principal & Interest repayments.

Loan Repayments

Find out your estimated weekly, fortnightly or monthly home loan repayments. You can also reduce the loan term to see what the repayments would be to pay your home loan off faster.

Find out how much you can borrow it only takes 2 minutes^... CALCULATE NOW

About State Custodians

State Custodians is a highly awarded online lender, focused on helping Australians' get a better deal on their home loans. We have been recognised as Non-Bank Lender of the Year by Money magazine for five years between 2012-16 and our loans have the highest rating for outstanding value from Canstar.

Our loans are backed by RESIMAC Limited who have been funding home loans in Australia for over 30 years and have achieved a residential loan servicer ranking of 'STRONG', as assigned by Standard & Poor's.

All interest rates effective from 3rd May 2017. Interest rate shown applies to new eligible owner occupied loans at 80% LVR, may differ depending on borrower type and LVR, and is subject to change without notice (refer to our Compare Home Loans page). Terms and conditions apply to all loan features. ^For eligible applicants only. Final approval is subject to credit assessment. *The comparison rate is based on a loan amount of $150,000 over 25 years with fees and charges payable. WARNING: This comparison rate is true only for the example given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate.

Australian Credit Licence 390850.
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