Low Rate Home Loan With Offset
Choose our most popular low rate home loan with optional offset account 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.
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®, Visa® Loan Access Card 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. Interest rates vary based on the loan to value ratio (what is LVR?). You can view a full breakdown of rates here. Rate surcharges, 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.
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 our 100% offset account, BPAY®, Visa® Loan Access Card and fees click here.
**Interest rate shown applies to new eligible owner occupied loans up to 60% LVR with principal and interest repayments.
Discharge $300 plus legal
For other fees and charges that may apply contact us.
Why Choose State Custodians?
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
A dedicated Lending Specialist is ready to assist you, from exploring options to simplifying the application process
From a quick question to a detailed discussion, no need for appointments, just phone, email or Live Chat
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.
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.
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