spring specialspring special

Standard Variable
Home Loan

Choose our most popular loan if you are serious about paying off your home loan sooner.

Features and Benefits

  • For loans up to a maximum of $2m

    This loan is packaged with a low rate and 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.

  • 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.

To view interest rates for this loan click here. For more information on our 100% offset account, BPAY®, Debit MasterCard® and fees click here.


  • Application $0
  • Valuation $286 per valuation
  • Annual $299
  • Discharge $300 plus legal
  • For other fees and charges that may apply contact us.

CANSTAR Outstanding Value Variable Home Loan Owner Occupied
CANSTAR Outstanding Value Variable Home Loan Investor

Take advantage of our special rates this spring

Our Spring Special is a limited time offer for new applications received from 1st September 2016.


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.