Fixed Rate Home Loans

Choose our most popular fixed low rate home loan if you are serious about paying off your mortgage sooner.

Features and Benefits

  • No ongoing fees and a competitive low rate

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

  • For loans up to a maximum of $2m

    This loan is packaged with a low rate and no annual fee, for either your own home or an investment property.

  • 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. Restrictions and additional lending criteria apply.

Product not suitable for construction purposes. **Interest rate shown applies to new eligible owner occupied loans up to 80% LVR with principal and interest repayments. Rate Lock option available.

Home Loan Details

      1. Fixed (P&I)11 Year3.94% Fixed Rate
        3.69% Comparison Rate*
      2. Fixed (P&I)12 Year4.09% Fixed Rate
        3.74% Comparison Rate*
      3. Fixed (P&I)13 Year4.29% Fixed Rate
        3.81% Comparison Rate*
      4. Fixed (P&I)14 Year4.44% Fixed Rate
        3.90% Comparison Rate*
      5. Fixed (P&I)15 Year4.54% Fixed Rate
        3.99% Comparison Rate*
      6. Restrictions and additional lending criteria apply to owner occupied loans with Principal and Interest (P&I)1 repayments.
      7. Fixed (IO)21 Year4.34% Fixed Rate
        ? % Comparison Rate*
      8. Fixed (IO)22 Year4.49% Fixed Rate
        ? % Comparison Rate*
      9. Fixed (IO)23 Year4.69% Fixed Rate
        ? % Comparison Rate*
      10. Fixed (IO)24 Year4.84% Fixed Rate
        ? % Comparison Rate*
      11. Fixed (IO)25 Year4.94% Fixed Rate
        ? % Comparison Rate*
      12. Restrictions and additional lending criteria apply to owner occupied loans with Interest Only (IO)2 repayments.
      1. Fixed (P&I)11 Year4.29% Fixed Rate
        4.04% Comparison Rate*
      2. Fixed (P&I)12 Year4.44% Fixed Rate
        4.09% Comparison Rate*
      3. Fixed (P&I)13 Year4.64% Fixed Rate
        4.17% Comparison Rate*
      4. Fixed (P&I)14 Year4.79% Fixed Rate
        4.29% Comparison Rate*
      5. Fixed (P&I)15 Year4.89% Fixed Rate
        4.34% Comparison Rate*
      6. Restrictions and additional lending criteria apply to investment loans with Principal and Interest (P&I)1 repayments.
      7. Fixed (IO)21 Year4.69% Fixed Rate
        ? % Comparison Rate*
      8. Fixed (IO)22 Year4.84% Fixed Rate
        ? % Comparison Rate*
      9. Fixed (IO)23 Year5.04% Fixed Rate
        ?% Comparison Rate*
      10. Fixed (IO)24 Year5.19% Fixed Rate
        ? % Comparison Rate*
      11. Fixed (IO)25 Year5.29% Fixed Rate
        ? % Comparison Rate*
      12. Restrictions and additional lending criteria apply to investment loans with Interest Only (IO)2 repayments.
    1. Application $0
    2. Valuation $286 per valuation
    3. Annual $0
    4. Discharge $300 plus legal
    5. For other fees and charges that may apply contact us.
    1. For more information on our
      100% offset account, BPAY®, Debit MasterCard® and fees.

      DOWNLOAD PDF

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


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Reviews

Very, very impressed

Dealings in the initial stages was great - quick / prompt / friendly service - fast application turnaround. And once approved, went over and beyond for me. Took the time to explain the products and also to understand my situation and financial goals. This is rarely seen in the financial lending world....! Great service - very very impressed.

Nunawading, VIC

Great customer service

Amazing staff who were very patient and replied quickly to all calls and emails. Some companies we contacted took days to return calls but I need waited more than half an hour with State Custodians. Loan was processed quickly with no hassles. Rates are great and low fees. Couldn't be happier with the whole process.

Murrumbeena, VIC

Happy home owners

We are new home loan customers of State Custodians. We just moved into our house on the weekend. We could not have asked for better support and assistance in purchasing our first home. They were very professional, efficient and went over and above to ensure that everything went as smoothly and as quickly as possible. Thank you very much.

Modbury Heights, SA


Talk to Us

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