Low Rate Home
Improvement Loan

Our award winning line of credit gives you flexible access to your equity to invest or do home improvements.

Features and Benefits

  • Access your equity

    You can borrow up to 90% of the value of your own home or an investment property. Restrictions and additional lending criteria apply. You have easy access to your funds via BPAY®, Visa® Loan Access Card and cheque book.

  • Only pay interest on what you owe

    You have the flexibility to keep the funds in the loan until you need them and only pay interest on the amount you use. This loan is a 5 year interest only line of credit reverting to principal and interest for the remaining term.

  • Ideal for investors and self employed

    This loan doesn't require a minimum repayment each month but still needs to be below the limit when interest is added. This is ideal if your income is irregular.

  • For loans up to $2m

    You can choose to have additional portions for different purposes. These can be principal and interest or interest only.

  • Customer Benefits Program

    State Custodians customers get unlimited free access to to exclusive discounts on a wide range of products and services with some of Australia’s leading brands, including Coles, Woolworths, Caltex, Europcar, BWS and many more!

Product not suitable for construction purposes. To view interest rates for this loan click here. For more information on BPAY®, Visa® Loan Access Card and fees click here.
**Interest rate shown applies to new eligible owner occupied loans up to 80% LVR with 5 years Interest Only repayments.


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

CANSTAR Outstanding Value Line of Credit

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Why Choose State Custodians?

  • Save

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

  • Award Winning Loan

    Awarded 2016 Cheapest Line Of Credit Non-Bank, Money magazine's Best of the Best Awards

  • Personalised Service

    Our experienced Lending Specialists understand home loans & are ready to assist you

  • Quick Response

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



So glad we left the big banks

Right from the word go, it's just been a pleasure dealing with State Custodians. We dealt with real people who listened to us. And the real proof has been in the ongoing service over the last 12 months. Their interest rates are great. The product is great. And the service is amazing. I have recommended them to friends and will continue to do so.

Sydney, NSW

Excellent customer service

Refinancing from one of the big banks, State Custodians not only had a better product, but a better rate and staff to guide me with every step. Nothing was ever too much trouble, everything was explained from the initial contact to settlement.

Springwood, NSW

Service was terrific

I got half way between exchange and settlement on an investment property and finally couldn't put up with an earlier potential lender. It seemed that it was run by a bunch of amateurs and I got a different requirement each time I dealt with someone. I approached SC and the service was terrific from all concerned - they even ramped up and completed in record time. I settled today and am very happy!

Braddon, ACT


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