Interest Only Home Loans

Choose our most popular interest only home loan rate with no ongoing or annual fees.

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.

  • 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. Restrictions and additional lending criteria apply.

  • Setup the loan the way you want

    You can choose from principal & interest or interest only repayments. Select weekly, fortnightly or monthly repayments with unlimited extra repayments and free online redraw. You can also choose a fixed rate on 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.
**Interest rate shown applies to new eligible owner occupied loans up to 80% LVR with interest only repayments.

Fees

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

MOZO Experts Choice Awards 2017 - Best Offset Home Loan
CANSTAR Outstanding Value Variable Home Loan Owner Occupied
CANSTAR Outstanding Value Variable Home Loan Investor
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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 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


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