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.


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

Finder Awards 2019 - Winner - Best Investor Home Loan - Variable
CANSTAR Outstanding Value Variable Home Loan Owner Occupied
Line of Credit winner 2020 money magazine

Calculate Your Repayments

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



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.