State Custodians Low Rate Home Loan with Offset

The details shown below are for an owner occupier taking out a principal & interest loan between $100,000 and $2,000,000 with an LVR below 80%

The details shown below are for an owner occupier taking out a principal & interest loan between $100,000 and $2,000,000 with an LVR below 90%

The details shown below are for an owner occupier taking out a principal & interest loan between $100,000 and $2,000,000 with an LVR below 95%

The details shown below are for an owner occupier taking out a interest only loan between $100,000 and $2,000,000 with an LVR below 80%

The details shown below are for an investor taking out a principal & interest loan between $100,000 and $2,000,000 with an LVR below 80%

The details shown below are for an investor taking out a principal & interest loan between $100,000 and $2,000,000 with an LVR below 90%

The details shown below are for an investor taking out a principal & interest loan between $100,000 and $2,000,000 with an LVR below 95%

The details shown below are for an investor taking out a interest only loan between $100,000 and $2,000,000 with an LVR below 80%

The details shown below are for an investor taking out a interest only loan between $100,000 and $2,000,000 with an LVR below 90%

Choose the version of this loan that suits you best

  • Owner Occupier (Principal & Interest)

    LVR < 80%

    Loan: $100,000 $2,000,000

  • Owner Occupier (Principal & Interest)

    LVR 80%-90%

    Loan: $100,000 $2,000,000

  • Owner Occupier (Principal & Interest)

    LVR 90%-95%

    Loan: $100,000 $2,000,000

  • Owner Occupier (Interest Only)

    LVR < 80%

    Loan: $100,000 $2,000,000

  • Investor (Principal & Interest)

    LVR < 80%

    Loan: $100,000 $2,000,000

  • Investor (Principal & Interest)

    LVR 80%-90%

    Loan: $100,000 $2,000,000

  • Investor (Principal & Interest)

    LVR 90%-95%

    Loan: $100,000 $2,000,000

  • Investor (Interest Only)

    LVR < 80%

    Loan: $100,000 $2,000,000

  • Investor (Interest Only)

    LVR 80%-90%

    Loan: $100,000 $2,000,000

3.40% p.a.

3.42% p.a.

$0.00

State Custodians Low Rate Home Loan with Offset

3.40% p.a.

3.42% p.a.

$0.00

3.70% p.a.

3.71% p.a.

$0.00

State Custodians Low Rate Home Loan with Offset

3.70% p.a.

3.71% p.a.

$0.00

3.90% p.a.

3.91% p.a.

$0.00

State Custodians Low Rate Home Loan with Offset

3.90% p.a.

3.91% p.a.

$0.00

3.65% p.a.

3.66% p.a.

$0.00

State Custodians Low Rate Home Loan with Offset

3.65% p.a.

3.66% p.a.

$0.00

3.65% p.a.

3.66% p.a.

$0.00

State Custodians Low Rate Home Loan with Offset

3.65% p.a.

3.66% p.a.

$0.00

3.95% p.a.

3.96% p.a.

$0.00

State Custodians Low Rate Home Loan with Offset

3.95% p.a.

3.96% p.a.

$0.00

4.15% p.a.

4.16% p.a.

$0.00

State Custodians Low Rate Home Loan with Offset

4.15% p.a.

4.16% p.a.

$0.00

3.90% p.a.

3.91% p.a.

$0.00

State Custodians Low Rate Home Loan with Offset

3.90% p.a.

3.91% p.a.

$0.00

4.20% p.a.

4.21% p.a.

$0.00

State Custodians Low Rate Home Loan with Offset

4.20% p.a.

4.21% p.a.

$0.00

Mozo Review   State Custodians Low Rate Home Loan with Offset Review

Last updated: 13 June 2019.

What's hot:
  • Two Mozo Experts Choice Awards 2019

  • Free extra repayments and redraws

  • No application fee

  • 3.40% variable rate (3.42% comparison rate*)

What's not:
  • $300 discharge fee

Mozo snapshot:

Whether you’re looking to refinance or are about to buy your first home, you need to check out the multiple 2019 Mozo Experts Choice award-winning State Custodians Low Rate Home Loan with Offset. This loan offers competitive variable rates from 3.40% (3.42% comparison rate*) and a flexible repayment schedule of weekly, fortnightly or monthly repayments. There’s no application or service fees, plus free extra repayments and redraw, making paying off your loan a breeze.

Key features:

If you’ve been on the hunt for a loan that won’t break the bank, then you might want to know about the State Custodians Low Rate Home Loan with Offset. This low cost loan features a competitive 3.40% variable rate (3.42% comparison rate*), which is State Custodians lowest rate for Principal and Interest repayments - but you will need a 20% deposit to qualify. There are also no application, service, legal, settlement or valuation fees! Investor rates are also available with this loan.

And if you are looking to cut down on the interest you;ll pay, then you’ll be happy to know that this loan comes with free extra repayments. But if you ever need this cash back for an unplanned expense, there will be no trouble, thanks to the free redraw facility. And as the name suggests, there’s also an offset account available as well as the option to split your loan.

However, there are a few things to keep in mind, like the fact that you won’t be able to take a repayment holiday and that you will be charged a $300 discharge fee once you pay off your loan.


Who it's good for:

The State Custodians Low Rate Home Loan with Offset is a great pick for borrowers looking to put every dollar towards paying off their loan, without having to fork out a heap in fees.

Any catches?

While you won’t be charged any fees throughout the life of your loan, once you’ve fully paid it off, there is a $300 discharge fee.

Details

Rates and fees information correct as at 20 June 2019. Mozo has robust processes to ensure our site is updated to reflect the latest information from providers. There may be the odd occasion where updates are delayed, so please confirm information before purchasing.
Rates
  • 3.40% p.a.

  • n/a

  • 0 Months

  • none

  • 3.42% p.a.

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

Fees
  • $0.00

  • $0.00

  • $0.00

  • $0.00

  • none

  • $0.00

  • $300.00

Other financial bits
  • $100,000

  • $2,000,000

  • none

  • 80.00%

Features
  • Owner Occupier

  • Principal & Interest

  • Weekly, Fortnightly, Monthly

  • yes - free

  • no

  • yes - free

  • $0.00

  • yes

  • yes

  • none

  • none

*WARNING: This comparison rate applies only to the example or examples given. Different amounts and terms will result in different comparison rates. Costs such as redraw fees or early repayment fees, and cost savings such as fee waivers, are not included in the comparison rate but may influence the cost of the loan. The comparison rate displayed is for a secured loan with monthly principal and interest repayments for $150,000 over 25 years.

Details

Rates and fees information correct as at 20 June 2019. Mozo has robust processes to ensure our site is updated to reflect the latest information from providers. There may be the odd occasion where updates are delayed, so please confirm information before purchasing.
Rates
  • 3.70% p.a.

  • n/a

  • 0 Months

  • none

  • 3.71% p.a.

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

Fees
  • $0.00

  • $0.00

  • $0.00

  • $0.00

  • none

  • $0.00

  • $300.00

Other financial bits
  • $100,000

  • $2,000,000

  • 80.00%

  • 90.00%

Features
  • Owner Occupier

  • Principal & Interest

  • Weekly, Fortnightly, Monthly

  • yes - free

  • no

  • yes - free

  • $0.00

  • yes

  • yes

  • none

  • none

*WARNING: This comparison rate applies only to the example or examples given. Different amounts and terms will result in different comparison rates. Costs such as redraw fees or early repayment fees, and cost savings such as fee waivers, are not included in the comparison rate but may influence the cost of the loan. The comparison rate displayed is for a secured loan with monthly principal and interest repayments for $150,000 over 25 years.

Details

Rates and fees information correct as at 20 June 2019. Mozo has robust processes to ensure our site is updated to reflect the latest information from providers. There may be the odd occasion where updates are delayed, so please confirm information before purchasing.
Rates
  • 3.90% p.a.

  • n/a

  • 0 Months

  • none

  • 3.91% p.a.

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

Fees
  • $0.00

  • $0.00

  • $0.00

  • $0.00

  • none

  • $0.00

  • $300.00

Other financial bits
  • $100,000

  • $2,000,000

  • 90.00%

  • 95.00%

Features
  • Owner Occupier

  • Principal & Interest

  • Weekly, Fortnightly, Monthly

  • yes - free

  • no

  • yes - free

  • $0.00

  • yes

  • yes

  • none

  • none

*WARNING: This comparison rate applies only to the example or examples given. Different amounts and terms will result in different comparison rates. Costs such as redraw fees or early repayment fees, and cost savings such as fee waivers, are not included in the comparison rate but may influence the cost of the loan. The comparison rate displayed is for a secured loan with monthly principal and interest repayments for $150,000 over 25 years.

Details

Rates and fees information correct as at 20 June 2019. Mozo has robust processes to ensure our site is updated to reflect the latest information from providers. There may be the odd occasion where updates are delayed, so please confirm information before purchasing.
Rates
  • 3.65% p.a.

  • n/a

  • 0 Months

  • none

  • 3.66% p.a.

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

Fees
  • $0.00

  • $0.00

  • $0.00

  • $0.00

  • none

  • $0.00

  • $300.00

Other financial bits
  • $100,000

  • $2,000,000

  • none

  • 80.00%

Features
  • Owner Occupier

  • Interest Only

  • Weekly, Fortnightly, Monthly

  • yes - free

  • no

  • yes - free

  • $0.00

  • yes

  • yes

  • none

  • none

*WARNING: This comparison rate applies only to the example or examples given. Different amounts and terms will result in different comparison rates. Costs such as redraw fees or early repayment fees, and cost savings such as fee waivers, are not included in the comparison rate but may influence the cost of the loan. The comparison rate displayed is for a secured loan with monthly principal and interest repayments for $150,000 over 25 years.

Details

Rates and fees information correct as at 20 June 2019. Mozo has robust processes to ensure our site is updated to reflect the latest information from providers. There may be the odd occasion where updates are delayed, so please confirm information before purchasing.
Rates
  • 3.65% p.a.

  • n/a

  • 0 Months

  • none

  • 3.66% p.a.

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

Fees
  • $0.00

  • $0.00

  • $0.00

  • $0.00

  • none

  • $0.00

  • $300.00

Other financial bits
  • $100,000

  • $2,000,000

  • none

  • 80.00%

Features
  • Investor

  • Principal & Interest

  • Weekly, Fortnightly, Monthly

  • yes - free

  • no

  • yes - free

  • $0.00

  • yes

  • yes

  • none

  • none

*WARNING: This comparison rate applies only to the example or examples given. Different amounts and terms will result in different comparison rates. Costs such as redraw fees or early repayment fees, and cost savings such as fee waivers, are not included in the comparison rate but may influence the cost of the loan. The comparison rate displayed is for a secured loan with monthly principal and interest repayments for $150,000 over 25 years.

Details

Rates and fees information correct as at 20 June 2019. Mozo has robust processes to ensure our site is updated to reflect the latest information from providers. There may be the odd occasion where updates are delayed, so please confirm information before purchasing.
Rates
  • 3.95% p.a.

  • n/a

  • 0 Months

  • none

  • 3.96% p.a.

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

Fees
  • $0.00

  • $0.00

  • $0.00

  • $0.00

  • none

  • $0.00

  • $300.00

Other financial bits
  • $100,000

  • $2,000,000

  • 80.00%

  • 90.00%

Features
  • Investor

  • Principal & Interest

  • Weekly, Fortnightly, Monthly

  • yes - free

  • no

  • yes - free

  • $0.00

  • yes

  • yes

  • none

  • none

*WARNING: This comparison rate applies only to the example or examples given. Different amounts and terms will result in different comparison rates. Costs such as redraw fees or early repayment fees, and cost savings such as fee waivers, are not included in the comparison rate but may influence the cost of the loan. The comparison rate displayed is for a secured loan with monthly principal and interest repayments for $150,000 over 25 years.

Details

Rates and fees information correct as at 20 June 2019. Mozo has robust processes to ensure our site is updated to reflect the latest information from providers. There may be the odd occasion where updates are delayed, so please confirm information before purchasing.
Rates
  • 4.15% p.a.

  • n/a

  • 0 Months

  • none

  • 4.16% p.a.

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

Fees
  • $0.00

  • $0.00

  • $0.00

  • $0.00

  • none

  • $0.00

  • $300.00

Other financial bits
  • $100,000

  • $2,000,000

  • 90.00%

  • 95.00%

Features
  • Investor

  • Principal & Interest

  • Weekly, Fortnightly, Monthly

  • yes - free

  • no

  • yes - free

  • $0.00

  • yes

  • yes

  • none

  • none

*WARNING: This comparison rate applies only to the example or examples given. Different amounts and terms will result in different comparison rates. Costs such as redraw fees or early repayment fees, and cost savings such as fee waivers, are not included in the comparison rate but may influence the cost of the loan. The comparison rate displayed is for a secured loan with monthly principal and interest repayments for $150,000 over 25 years.

Details

Rates and fees information correct as at 20 June 2019. Mozo has robust processes to ensure our site is updated to reflect the latest information from providers. There may be the odd occasion where updates are delayed, so please confirm information before purchasing.
Rates
  • 3.90% p.a.

  • n/a

  • 0 Months

  • none

  • 3.91% p.a.

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

Fees
  • $0.00

  • $0.00

  • $0.00

  • $0.00

  • none

  • $0.00

  • $300.00

Other financial bits
  • $100,000

  • $2,000,000

  • none

  • 80.00%

Features
  • Investor

  • Interest Only

  • Weekly, Fortnightly, Monthly

  • yes - free

  • no

  • yes - free

  • $0.00

  • yes

  • yes

  • none

  • none

*WARNING: This comparison rate applies only to the example or examples given. Different amounts and terms will result in different comparison rates. Costs such as redraw fees or early repayment fees, and cost savings such as fee waivers, are not included in the comparison rate but may influence the cost of the loan. The comparison rate displayed is for a secured loan with monthly principal and interest repayments for $150,000 over 25 years.

Details

Rates and fees information correct as at 20 June 2019. Mozo has robust processes to ensure our site is updated to reflect the latest information from providers. There may be the odd occasion where updates are delayed, so please confirm information before purchasing.
Rates
  • 4.20% p.a.

  • n/a

  • 0 Months

  • none

  • 4.21% p.a.

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

Fees
  • $0.00

  • $0.00

  • $0.00

  • $0.00

  • none

  • $0.00

  • $300.00

Other financial bits
  • $100,000

  • $2,000,000

  • 80.00%

  • 90.00%

Features
  • Investor

  • Interest Only

  • Weekly, Fortnightly, Monthly

  • yes - free

  • no

  • yes - free

  • $0.00

  • yes

  • yes

  • none

  • none

*WARNING: This comparison rate applies only to the example or examples given. Different amounts and terms will result in different comparison rates. Costs such as redraw fees or early repayment fees, and cost savings such as fee waivers, are not included in the comparison rate but may influence the cost of the loan. The comparison rate displayed is for a secured loan with monthly principal and interest repayments for $150,000 over 25 years.

Customer Reviews

How are State Custodians home loans rated by the Mozo community?

Overall customer rating
7.1/10
Price
7.7/10
Features
6.9/10
Customer service
7.3/10
Convenience
6.6/10
Trust
7.1/10
State Custodians

About State Custodians

State Custodians Mortgage Company is an Australian owned non-bank lender that aims to protect your interest when it comes to finding financial solutions. Home loan rates at SCMC are as low as possible enabling them to maintain their competitive edge in the industry. SCMC do this without cutting back on special features and services that accompany their range of financial products. SCMC offer a range of fast, competitive and simple home loan products.

See State Custodians home loans

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$520

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fixed 3 years

4.41% p.a.

$450

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3.34% p.a. variable

3.30% p.a.

$0

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3.48% p.a.

$150

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3.19% p.a.
fixed 3 years

3.63% p.a.

$520

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Flexible Home Loan (Fixed, Member Package)

3.58% p.a.
fixed 3 years

4.26% p.a.

$200

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Ultimate Home Loan (Fixed, Package)

3.49% p.a.
fixed 3 years

4.35% p.a.

$180

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UHomeLoan - Discount Offer

3.59% p.a.

3.59% p.a.

$0

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Smart Home Loan

3.28% p.a.

3.30% p.a.

$520

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HSBC

HSBC

Home Value Loan

3.47% p.a.

3.48% p.a.

$150

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Well Home Loans

Well Balanced

3.22% p.a.

3.23% p.a.

$0

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Greater Bank

Greater Bank

Great Rate Home Loan

3.57% p.a.

3.59% p.a.

$180

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ME

ME

Basic Home Loan

3.97% p.a.

3.99% p.a.

$400

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Bank of Queensland

Bank of Queensland

Economy

3.99% p.a.

4.15% p.a.

$450

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Athena

Athena

Variable Home Loan

3.34% p.a.

3.30% p.a.

$0

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Bank of Queensland

Bank of Queensland

Fixed Rate

3.39% p.a.
fixed 3 years

4.41% p.a.

$450

Promoted

UBank

UBank

UHomeLoan (1 Year Fixed)

n/a

n/a

$395

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loans.com.au

Fixed Home Loan

3.19% p.a.
fixed 3 years

3.63% p.a.

$520

Promoted

Tic:Toc

Tic:Toc

Fixed Home Loan

n/a

n/a

$0

Promoted

UBank

UBank

UHomeLoan (Fixed)

3.24% p.a.
fixed 3 years

3.88% p.a.

$395

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QBANK

QBANK

Fixed Rate

3.62% p.a.
fixed 3 years

4.33% p.a.

$195

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Greater Bank

Greater Bank

Great Rate Home Loan (Fixed)

3.49% p.a.
fixed 3 years

4.11% p.a.

$180

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Bank Australia

Bank Australia

Basic Home Loan (Fixed)

3.74% p.a.
fixed 3 years

3.95% p.a.

$0

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Smart Home Loan

3.28% p.a.

3.30% p.a.

$0.00

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Athena

Athena

Variable Home Loan

3.34% p.a.

3.30% p.a.

$0.00

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Tic:Toc

Tic:Toc

Variable Home Loan

3.27% p.a.

3.28% p.a.

$0.00

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Red Home Loan - Early Bird Special

3.29% p.a.

3.36% p.a.

$0.00

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Well Home Loans

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Well Balanced

3.22% p.a.

3.23% p.a.

$0.00

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Well Balanced

3.19% p.a.

3.20% p.a.

$0.00

*WARNING: This comparison rate applies only to the example or examples given. Different amounts and terms will result in different comparison rates. Costs such as redraw fees or early repayment fees, and cost savings such as fee waivers, are not included in the comparison rate but may influence the cost of the loan. The comparison rate displayed is for a secured loan with monthly principal and interest repayments for $150,000 over 25 years.