About State Custodians

Leading online lender

State Custodians is a highly awarded online lender, focused on helping Australians’ get a better deal on their home loans. We have been recognised as Non-Bank Lender of the Year by Money magazine for five years in a row and our loans have the highest rating for outstanding value from Canstar.

Our loans are backed by the Resimac Limited who have been funding home loans in Australia for over 30 years and have achieved a residential loan servicer ranking of 'STRONG', as assigned by Standard & Poor's.

Our primary focus

Our team is focused on finding ways to help our customers achieve their goals. Through interactions with our team and our website, we aim to create an outstanding borrowing experience.

We have an extensive range of lending tools and home loan information, allowing borrowers to conveniently explore their options online. Then when they are ready, they can also apply at a time that suits them. Our online information is backed up by personal assistance from a team of experienced Lending Specialists. Independent reviews from our borrowers on public websites show that their experience is second to none.

Broad range of home loans

State Custodians offers a broad range of home loans to suit a variety of borrowers, from some of the most competitively priced on the market, to options for borrowers having difficulty getting a home loan.

We are here to help and our aim is to find solutions. We can explore options from our own wide range of home loans plus we have access to a panel of lenders if another alternative is needed.

Funding for our home loans

State Custodians obtains funding for its home loans primarily from wholesale lender Resimac Group Ltd ('Resimac'). Established in 1985, Resimac began under the name FANMAC, and was first created to service and securitise residential loans for HomeFund, a New South Wales State Government housing programme.

Resimac evolved to become a leading wholesale lender providing many Australian borrowers with a compelling lending alternative to the banking sector with broad product features and competitive interest rates. Australian owned with headquarters in Sydney's CBD, Resimac is supported by key strategic partners including Perpetual Trustees, National Australia Bank, Westpac and the Commonwealth Bank of Australia.

Resimac is the pioneer of Australian Residential Mortgage Backed Securities (RMBS), being the first issuer in 1988. Since then it has issued more than A$18bn through 34 domestic and international RMBS issues, demonstrating its enduring presence as a leading non-bank issuer in Australia.

Resimac has also achieved a residential loan servicer ranking of 'STRONG' as assigned by Standard & Poor's, reflecting Resimac's significant track record in providing loan servicing solutions for its loan portfolio as well as for other less equipped finance providers.

State Custodians and Resimac promote accurate advertising, transparent processes and a commitment to responsible lending, in compliance with the relevant Australian laws and auditing requirements. Both organisations hold an Australian Credit Licence: Resimac 247283 and State Custodians 390850.

For more information about Resimac visit www.resimac.com.au. We also provide home loan solutions for New Zealand customers through RESIMAC Direct visit www.resimacdirect.co.nz.


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