Self Employed Flexi
Home Loan

Offering even more flexibility, this home loan is designed to enable self employed borrowers to buy a home or refinance an existing loan.

Features and Benefits

  • Borrow what you need

    You can borrow up to 90% of the value of the property to a maximum of $2.5m on a broad range of property locations. Can be used to purchase or refinance your own home or an investment property.

  • Use your equity how you want

    You can have access to your equity for personal or business use, or even to pay out tax debt. Allows unlimited extra repayments and free online redraw. Will consider even if you have credit issues.

  • State your income as it is

    You can declare what you currently earn and back it up with either 2 Business Activity Statements (BAS), 3 months business bank statements or accountant’s verification.

  • Take advantage of all the features

    Features no ongoing fees and 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. You can also choose from weekly, fortnightly or monthly repayments.

Product not suitable for construction purposes. For more information on our 100% offset account, BPAY®, Debit MasterCard® and fees click here. For other fees and charges that may apply contact us.


  • Application $0
  • Valuation $286 per valuation
  • Annual $0
  • Settlement $949
  • Discharge $300 plus legal

As a minimum you will need:

  • ABN registered for 6 months

  • GST registered for 6 months


Calculate Your Repayments

Why Choose State Custodians?

  • Online Expertise

    With access to a range of lenders who have specialised self employed options, we can look for a home loan solution that suits you

  • Quick Response

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

  • Personalised Service

    A dedicated Lending Specialist can do the hard work for you, from exploring possible options to simplifying the application process

  • Quality Assured

    We hold a full credit licence and are a member of the MFAA & Credit Investments Ombudsman



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

Terrific customer service

Despite the complexities of our situation, the team has shown terrific customer service in handling our numerous tasks and ensuring we are able to meet our timeframes. Please pass on our thanks, we look forward to a smooth settlement and financial arrangement with your organisation.

Drummoyne, NSW

Couldn’t be happier

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


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