State Custodians home loan reviews

State Custodians
State Custodians's overall rating for home loans

(as rated by the Mozo community)

8.7 / 10

based on 3 reviews

Price

Features

Customer service

Convenience

Trust

Featured home loan from State Custodians

Recent State Custodians home loan reviews

State Custodians

State Custodians Breathe Easy (LVR<80%, Owner Occupier) home loan review

Overall rating   9 / 10

Trustworthy, reliable and low maintenance

I liked this provider initially due to their competitive home loan rates. Now I like this provider because of the seamless low maintenance nature of the loan and Internet accessibility. In future I will like this provider and the product due to my...

I liked this provider initially due to their competitive home loan rates. Now I like this provider because of the seamless low maintenance nature of the loan and Internet accessibility. In future I will like this provider and the product due to my loyalty bonus - I.e. lower interest rate. On the rare occasions I have had to call the provider they have always be extremely helpful.

    Price   9 / 10

    Features   6 / 10

    Customer service   9 / 10

    Convenience   8 / 10

    Trust   10 / 10

Less

Nick (SA), reviewed 12 months ago

State Custodians

State Custodians Standard Variable (LVR<80%, Owner Occupier) home loan review

Overall rating   10 / 10

Competitive premiums and great customer service

What an amazing experience and remarkable journey from the very first phone call we made to 13 72 62 / 02 4950 3300 to a prompt and straightforward settlement! We have been impressed beyond my wildest expectations by State Custodians and their...

What an amazing experience and remarkable journey from the very first phone call we made to 13 72 62 / 02 4950 3300 to a prompt and straightforward settlement! We have been impressed beyond my wildest expectations by State Custodians and their professional and proficient team. We had the pleasure of dealing with the following amazing people from State Custodians: Erin Miller, Janelle Foster and Robyn Ridgeway. We must also highlight the contribution to a timely settlement of State Custodians’ solicitors, Gadens, who worked very fast on organising all paperwork for a prompt settlement, in particular, Tracey Goodall and Samantha Page. I am writing this review to encourage other people who are on the market for a loan to place State Custodians at number one on their wish list while searching for their next home loan so they can make their next property purchase an enjoyable and pleasant experience. State Custodians’ passionate team members are truly custodians of customer care and professionalism.

    Price   10 / 10

    Features   10 / 10

    Customer service   10 / 10

    Convenience   10 / 10

    Trust   10 / 10

Less

Denis (VIC), reviewed over 1 year ago

State Custodians

State Custodians Standard Variable (LVR<80%, Owner Occupier) home loan review

Overall rating   10 / 10

Flexible loan with great rates

This was one of the easiest processes I have had to go through to get a loan, all the way through to settlement. The staff on the phone were polite. My official pre-approval took less than 1 week. My settlement was 4 weeks instead of 6 weeks and...

This was one of the easiest processes I have had to go through to get a loan, all the way through to settlement. The staff on the phone were polite. My official pre-approval took less than 1 week. My settlement was 4 weeks instead of 6 weeks and everything went smoothly. They kept me informed every step of the way via email from documents I needed to submit to the stages of final settlement. The rate was very good. The loan is very flexible except the website design needs to be a bit better. You can only make additional repayments once per login. So if I want to make another repayment, I have to logout and log in again. Apart from that, I would consider them again.

    Price   10 / 10

    Features   10 / 10

    Customer service   10 / 10

    Convenience   9 / 10

    Trust   10 / 10

Less

Cheryl (NSW), reviewed about 3 years ago

State Custodians

State Custodians Breathe Easy (LVR<80%, Owner Occupier) home loan review

Overall rating   6 / 10

Initial rate offered low to suck in customers

Advertised cheap low cost interest rate initially, however, failed to pass on full RBA rate custs. Expensive compared to competitors products and not very flexible.

Advertised cheap low cost interest rate initially, however, failed to pass on full RBA rate custs. Expensive compared to competitors products and not very flexible.

    Price   6 / 10

    Features   6 / 10

    Customer service   7 / 10

    Convenience   7 / 10

    Trust   6 / 10

Less

Mozo reviewer (VIC), reviewed over 3 years ago

State Custodians

State Custodians home loan review

Overall rating   8 / 10

Like a packet of liquorice allsorts, inconsistent

Very competitive interest rates but the application process was like trying to communicate to some of the teenagers at the school I work at. I had to constantly call and ensure the application was progressing and it took over three weeks to gain...

Very competitive interest rates but the application process was like trying to communicate to some of the teenagers at the school I work at. I had to constantly call and ensure the application was progressing and it took over three weeks to gain final approval! In saying that, the cheap rate made it all worth it. Also, their online service looks like a website dragged out of the early 90's and could definitely do with an upgrade.

    Price   10 / 10

    Features   10 / 10

    Customer service   4 / 10

    Convenience   5 / 10

    Trust   7 / 10

Less

Peter (QLD), reviewed over 3 years ago

State Custodians

State Custodians Line of Credit (LVR<80%, Owner Occupier) home loan review

Overall rating   8 / 10

Great rates and exellent customer service

I am really impressed with this company. The customer support and service that I received from the very first moment to today is exceptional. The product is one of the best and I have recommended this company to 3 people, 2 of which are now going...

I am really impressed with this company. The customer support and service that I received from the very first moment to today is exceptional. The product is one of the best and I have recommended this company to 3 people, 2 of which are now going to switch to State Custodians. When they compared home loan products, State Custodians came up the top. With my recommendation on customer service, 2 different people have gone over to them and they agree that the service is wonderful, a rare trait with finacial instituions in today's society.

    Price   9 / 10

    Features   5 / 10

    Customer service   10 / 10

    Convenience   6 / 10

    Trust   10 / 10

Less

Tanya (QLD), reviewed over 4 years ago

State Custodians

State Custodians home loan review

Overall rating   1 / 10

they did not pass the interst rate cut from RBA

Beware because State Custodian does not pass the interest rate cut to existing customers. Whatever rate cut from RBA, they do not pass it to you.

Beware because State Custodian does not pass the interest rate cut to existing customers. Whatever rate cut from RBA, they do not pass it to you.

    Price   2 / 10

    Features   2 / 10

    Customer service   1 / 10

    Convenience   1 / 10

    Trust   1 / 10

Less

Nikki (NSW), reviewed over 4 years ago

State Custodians

State Custodians home loan review

Overall rating   2 / 10

The interest rate on their website is for NEW loans only. When interest rates drop they DO NOT PASS ON THE WHOLE cut. The interest rate for existing mortgage holders is actually higher than is quoted on the site.

The interest rate on their website is for NEW loans only. When interest rates drop they DO NOT PASS ON THE WHOLE cut. The interest rate for existing mortgage holders is actually higher than is quoted on the site.

    Price   3 / 10

    Features   3 / 10

    Customer service   3 / 10

    Convenience   2 / 10

    Trust   1 / 10

Less

Sue (QLD), reviewed over 5 years ago

State Custodians

State Custodians home loan review

Overall rating   10 / 10

SCMC have been brilliant to deal with! All our enquiries have been dealt with extremely quickly, and in each case they were very helpful. This being our first home loan, we had many questions about the processes involved, and SCMC were always very...

SCMC have been brilliant to deal with! All our enquiries have been dealt with extremely quickly, and in each case they were very helpful. This being our first home loan, we had many questions about the processes involved, and SCMC were always very kind and understanding. Their exceptional customer service, when combined with their fantastic rates and low fees, make them easy to recommend.

    Price   10 / 10

    Features   9 / 10

    Customer service   10 / 10

    Convenience   10 / 10

    Trust   10 / 10

Less

Steve (VIC), reviewed almost 6 years ago

State Custodians

State Custodians home loan review

Overall rating   8 / 10

I really liked the help I was given right at the start. The guys were great.

I really liked the help I was given right at the start. The guys were great.

    Price   9 / 10

    Features   8 / 10

    Customer service   8 / 10

    Convenience   6 / 10

    Trust   7 / 10

Less

Jill (NSW), reviewed about 7 years ago

Mozo may receive a payment from financial providers listed on the site. Customer reviews are in no way affected by any commercial relationships Mozo has with providers. Reviewers may receive a voucher from Mozo in exchange for their review. Vouchers are given to all reviewers who meet our review guidelines regardless of the sentiment of their reviews.

Home loan comparisons on Mozo Rates updated daily

  • MOZO EXPERTS CHOICE AWARDS 2016

    Gateway Credit Union Variable Rate Home Loan (LVR<80%, Owner Occupier) (Premium Package)

    Gateway Credit Union Variable Rate Home Loan (LVR<80%, Owner Occupier) (Premium Package)

    • Ability to make unlimited bulk repayments without penalty
    • Offers borrowers up to three free splits
    • Access extra features such as multiple offset accounts

    interest rate

    3.73% p.a. variable

    comparison rate*

    4.05% p.a.

    Upfront fees

    $0

    Go to site

    More info

    • Ability to make unlimited bulk repayments without penalty
    • Offers borrowers up to three free splits
    • Access extra features such as multiple offset accounts
    • Interest rate: 3.73% p.a. variable
    • Comparison rate*: 4.05% p.a.
    • Upfront fees: $0
    • Ongoing fees: $299.00 yearly
    • Discharge fee: $300.00
    • Extra repayments: yes - free
    • Redraw facility: yes - free
    • Offset account: yes - free
    • Maximum loan to value ratio: 80.00%
    • Minimum loan amount: $150,000
    • Maximum loan amount:
    • Type of loan: Variable
    • Repayment types: Principal & Interest
    • Availability: Owner Occupier
    • Repayment options: Weekly, Fortnightly, Monthly
    Overall rating

    8.6

    Based on 8 Gateway Credit Union home loan reviews

    Need more information?
    Go to site

    More info

  • MOZO EXPERTS CHOICE AWARDS 2016

    UBank UHomeLoan - Value Offer (Owner Occupier, Principal & Interest)

    UBank UHomeLoan - Value Offer (Owner Occupier, Principal & Interest)

    • Experts Choice Winner - Home Loans 2016
    • No monthly fees
    • 20% minimum deposit required

    interest rate

    3.74% p.a. variable

    comparison rate*

    3.74% p.a.

    Upfront fees

    $0

    Go to site

    More info

    • Experts Choice Winner - Home Loans 2016
    • No monthly fees
    • 20% minimum deposit required
    • Interest rate: 3.74% p.a. variable
    • Comparison rate*: 3.74% p.a.
    • Upfront fees: $0
    • Ongoing fees: $0.00
    • Discharge fee: $0.00
    • Extra repayments: yes - free
    • Redraw facility: yes
    • Offset account: no
    • Maximum loan to value ratio: 80.00%
    • Minimum loan amount: $100,000
    • Maximum loan amount: $2,000,000
    • Type of loan: Variable
    • Repayment types: Principal & Interest
    • Availability: Owner Occupier
    • Repayment options: Weekly, Fortnightly, Monthly
    Overall rating

    4.8

    Based on 56 UBank home loan reviews

    Need more information?
    Go to site

    More info

  • MOZO EXPERTS CHOICE AWARDS 2016

    HSBC Discounted Home Value Loan (Owner Occupier)

    HSBC Discounted Home Value Loan (Owner Occupier)

    • Owner occupier only
    • Available to new borrowings to HSBC of $50,000 or more
    • Your own Personal Relationship Manager

    interest rate

    3.75% p.a. variable

    comparison rate*

    3.77% p.a.

    Upfront fees

    $270

    Go to site

    More info

    • Owner occupier only
    • Available to new borrowings to HSBC of $50,000 or more
    • Your own Personal Relationship Manager
    • Interest rate: 3.75% p.a. variable
    • Comparison rate*: 3.77% p.a.
    • Upfront fees: $270
    • Ongoing fees: $0.00
    • Discharge fee: $300.00
    • Extra repayments: yes - free
    • Redraw facility: yes - free
    • Offset account: no
    • Maximum loan to value ratio: 90.00%
    • Minimum loan amount: $50,000
    • Maximum loan amount: $7,500,000
    • Type of loan: Variable
    • Repayment types: Principal & Interest, Interest Only
    • Availability: Owner Occupier
    • Repayment options: Weekly, Fortnightly, Monthly
    Overall rating

    7.1

    Based on 32 HSBC home loan reviews

    Need more information?
    Go to site

    More info

  • SCU Basic Home Loan

    SCU Basic Home Loan

    • Redraw facility
    • Flexible repayment options
    • No annual or monthly fees

    interest rate

    3.77% p.a. variable

    comparison rate*

    3.81% p.a.

    Upfront fees

    $695

    Go to site

    More info

    • Redraw facility
    • Flexible repayment options
    • No annual or monthly fees
    • Interest rate: 3.77% p.a. variable
    • Comparison rate*: 3.81% p.a.
    • Upfront fees: $695
    • Ongoing fees: $0.00
    • Discharge fee: $180.00
    • Extra repayments: yes - free
    • Redraw facility: yes - $50
    • Offset account: no
    • Maximum loan to value ratio: 95.00%
    • Minimum loan amount: $150,000
    • Maximum loan amount:
    • Type of loan: Variable
    • Repayment types: Principal & Interest
    • Availability: Owner Occupier, Investor
    • Repayment options: Weekly, Fortnightly, Monthly
    Overall rating

    9.4

    Based on 5 SCU home loan reviews

    Need more information?
    Go to site

    More info

  • MOZO EXPERTS CHOICE AWARDS 2016

    Bank Australia Basic Home Loan - (LVR<80%, Owner Occupier)

    Bank Australia Basic Home Loan - (LVR<80%, Owner Occupier)

    • Option to fix full loan or split between fixed and variable
    • Redraw available. Flexible repayments
    • Loan repayment pause available

    interest rate

    3.79% p.a. variable

    comparison rate*

    3.83% p.a.

    Upfront fees

    $595

    Go to site

    More info

    • Option to fix full loan or split between fixed and variable
    • Redraw available. Flexible repayments
    • Loan repayment pause available
    • Interest rate: 3.79% p.a. variable
    • Comparison rate*: 3.83% p.a.
    • Upfront fees: $595
    • Ongoing fees: $0.00
    • Discharge fee: $250.00
    • Extra repayments: yes - free
    • Redraw facility: yes - free
    • Offset account: no
    • Maximum loan to value ratio: 80.00%
    • Minimum loan amount: $10,000
    • Maximum loan amount:
    • Type of loan: Variable
    • Repayment types: Principal & Interest, Interest Only
    • Availability: Owner Occupier
    • Repayment options: Weekly, Fortnightly, Monthly
    Overall rating

    7.7

    Based on 35 Bank Australia home loan reviews

    Need more information?
    Go to site

    More info

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* The Comparison Rate combines the lender's interest rate, fees and charges into a single rate to show the true cost of a home loan. The comparison rate displayed is for a secured loan with monthly principal and interest repayments for $150,000 over 25 years, and applies only to this example. Different amounts and terms will result in different comparison rates. Full comparison rate schedules are available from lenders. Costs such as redraw fees or early repayment fees, and savings such as fee waivers, are not included in the comparison rate but may influence the cost of the loan.

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