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State Custodians home loan reviews

State Custodians
State Custodians's overall rating for home loans

(as rated by the Mozo community)

7.1 / 10

based on 14 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 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...

Full review

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

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Nick, South Australia, reviewed over 3 years ago

State Custodians

State Custodians Standard Variable 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...

Full review

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

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Denis, Victoria, reviewed almost 4 years ago

State Custodians

State Custodians Standard Variable 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...

Full review

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

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Cheryl, New South Wales, reviewed over 5 years ago

State Custodians

State Custodians Breathe Easy 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.

Full review

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

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Name not supplied, Victoria, reviewed about 6 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...

Full review

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

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Peter, Queensland, reviewed over 6 years ago

State Custodians

State Custodians Line of Credit 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...

Full review

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

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Tanya, Queensland, reviewed almost 7 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.

Full review

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

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Nikki, New South Wales, reviewed almost 7 years ago

State Custodians

State Custodians Home Loan review

Overall rating   0 / 10

Give you the run around

I approcahed State Custodions to refinance an existing loan with a view of obtaining a lower interest rate. I was required to provide reams of paper work and fill out multipage documents, in addition to having the property valued at my expense...

Full review

I approcahed State Custodions to refinance an existing loan with a view of obtaining a lower interest rate. I was required to provide reams of paper work and fill out multipage documents, in addition to having the property valued at my expense etc. State Custodians lost paper work, requiring it to be resubmitted, staff went on holidays leaving my application sit for weeks unattended, then when it looked liked the matter would complete requested additional information. This was all over a 200k loan against a 1.2 mil property. After 6 months of multiple phone calls and emails resulting in, no progress I gave up. State Custodians are a shocker !

    Price   4 / 10

    Features   0 / 10

    Customer service   0 / 10

    Convenience   0 / 10

    Trust   1 / 10

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John, New South Wales, reviewed about 7 years ago

State Custodians

State Custodians Home Loan review

Overall rating   10 / 10

best lender in the country

They do what they say they are going to do. They are an awesome company

Full review

They do what they say they are going to do. They are an awesome company

    Price   10 / 10

    Features   10 / 10

    Customer service   10 / 10

    Convenience   10 / 10

    Trust   10 / 10

Less

Brad, New South Wales, reviewed over 7 years ago

State Custodians

State Custodians Home Loan review

Overall rating   9 / 10

great customer service

the interest rate is very commpettitive the phone service is good you speak to a person straight away and the same people always answer.It has all of the features we require and no fees. so thumbs up.

Full review

the interest rate is very commpettitive the phone service is good you speak to a person straight away and the same people always answer.It has all of the features we require and no fees. so thumbs up.

    Price   8 / 10

    Features   9 / 10

    Customer service   10 / 10

    Convenience   10 / 10

    Trust   8 / 10

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Marty, Queensland, reviewed over 7 years ago

State Custodians

State Custodians Home Loan review

Overall rating   9 / 10

Great customer service

No fuss ... no mess...the best mortgage providers I have ever dealt with.

Full review

No fuss ... no mess...the best mortgage providers I have ever dealt with.

    Price   8 / 10

    Features   8 / 10

    Customer service   10 / 10

    Convenience   9 / 10

    Trust   9 / 10

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Terry, New South Wales, reviewed over 7 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.

Full review

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

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Sue, Queensland, reviewed almost 8 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...

Full review

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

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Steve, Victoria, reviewed over 8 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.

Full review

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, New South Wales, reviewed over 9 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

  • loans.com.au Smart Home Loan (Owner Occupier, Principal & Interest)

    loans.com.au Smart Home Loan (Owner Occupier, Principal & Interest)

    • For purchase and refinance, min 20% deposit
    • No application or ongoing fees
    • Unlimited redraws and additional repayments

    interest rate

    2.88% p.a. variable

    comparison rate*

    2.90% p.a.

    upfront fees

    $520

    Go to site

    More info

    • For purchase and refinance, min 20% deposit
    • No application or ongoing fees
    • Unlimited redraws and additional repayments
    • Interest rate: 2.88% p.a. variable
    • Comparison rate*: 2.90% p.a.
    • Upfront fees: $520
    • Ongoing fees: $0.00
    • Discharge fee: $0.00
    • Extra repayments: yes - free
    • Redraw facility: yes - free
    • Offset account: no
    • Maximum loan to value ratio: 80.00%
    • Minimum loan amount: $50,000
    • Maximum loan amount: $1,000,000
    • Type of loan: Variable
    • Repayment types: Principal & Interest
    • Availability: Owner Occupier
    • Repayment options: Weekly, Fortnightly, Monthly
    • Special offers:
    Overall rating

    8.2

    Based on 637 loans.com.au home loan reviews

    Need more information?
    Go to site

    More info

  • MOZO EXPERTS CHOICE AWARDS 2019

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

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

    • $0 application fee for variable rate, $0 ongoing fees, $0 annual fees
    • No monthly fees
    • 20% minimum deposit required. Minimum loan amount $700k

    interest rate

    2.84% p.a. variableApply now to get this rate from 29 Oct

    comparison rate*

    2.84% p.a.Apply now to get this rate from 29 Oct

    upfront fees

    $0

    Go to site

    More info

    • $0 application fee for variable rate, $0 ongoing fees, $0 annual fees
    • No monthly fees
    • 20% minimum deposit required. Minimum loan amount $700k
    • Interest rate: 2.84% p.a. variableApply now to get this rate from 29 Oct
    • Comparison rate*: 2.84% p.a.Apply now to get this rate from 29 Oct
    • Upfront fees: $0
    • Ongoing fees: $0.00
    • Discharge fee: $0.00
    • Extra repayments: yes - free
    • Redraw facility: yes - free
    • Offset account: no
    • Maximum loan to value ratio: 80.00%
    • Minimum loan amount: $200,000
    • Maximum loan amount:
    • Type of loan: Variable
    • Repayment types: Principal & Interest
    • Availability: Owner Occupier
    • Repayment options: Weekly, Fortnightly, Monthly
    • Special offers:
    Overall rating

    5.2

    Based on 111 UBank home loan reviews

    Need more information?
    Go to site

    More info

  • Athena Variable Home Loan (Owner Occupier, Principal & Interest)

    Athena Variable Home Loan (Owner Occupier, Principal & Interest)

    • No application fees
    • No monthly fees
    • No annual fees

    interest rate

    2.84% p.a. variable

    comparison rate*

    2.80% p.a.

    upfront fees

    $0

    Go to site

    More info

    • No application fees
    • No monthly fees
    • No annual fees
    • Interest rate: 2.84% p.a. variable
    • Comparison rate*: 2.80% p.a.
    • Upfront fees: $0
    • Ongoing fees: $0.00
    • Discharge fee: $0.00
    • Extra repayments: yes - free
    • Redraw facility: yes - free
    • 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
    • Special offers:
    Need more information?
    Go to site

    More info

  • MOZO EXPERTS CHOICE AWARDS 2019

    HSBC Discounted Home Value Loan (Owner Occupier, Principal & Interest)

    HSBC Discounted Home Value Loan (Owner Occupier, Principal & Interest)

    • Owner occupier only
    • Available on new borrowings from $50,000
    • Your own Personal Relationship Manager

    interest rate

    3.02% p.a. variableApply now to get this rate from 21 Oct

    comparison rate*

    3.04% p.a.Apply now to get this rate from 21 Oct

    upfront fees

    $150

    Go to site

    More info

    • Owner occupier only
    • Available on new borrowings from $50,000
    • Your own Personal Relationship Manager
    • Interest rate: 3.02% p.a. variableApply now to get this rate from 21 Oct
    • Comparison rate*: 3.04% p.a.Apply now to get this rate from 21 Oct
    • Upfront fees: $150
    • Ongoing fees: $0.00
    • Discharge fee: $300.00
    • Extra repayments: yes - free
    • Redraw facility: yes - free online
    • Offset account: no
    • Maximum loan to value ratio: 80.00%
    • Minimum loan amount: $50,000
    • Maximum loan amount: $7,500,000
    • Type of loan: Variable
    • Repayment types: Principal & Interest
    • Availability: Owner Occupier
    • Repayment options: Weekly, Fortnightly, Monthly
    • Special offers:
    Overall rating

    7.0

    Based on 110 HSBC home loan reviews

    Need more information?
    Go to site

    More info

  • Suncorp Fixed Home Loan Special Offer (Owner Occupier, Principal & Interest) (Home Package Plus)

    Suncorp Fixed Home Loan Special Offer (Owner Occupier, Principal & Interest) (Home Package Plus)

    • No monthly account keeping fee.
    • No loan establishment fee.
    • Option to lock in a rate at the time of the application.

    interest rate

    2.99% p.a.
    fixed 3 years

    comparison rate*

    3.73% p.a.

    upfront fees

    $0

    Go to site

    More info

    • No monthly account keeping fee.
    • No loan establishment fee.
    • Option to lock in a rate at the time of the application.
    • Interest rate: 2.99% p.a.
      fixed 3 years
    • Comparison rate*: 3.73% p.a.
    • Upfront fees: $0
    • Ongoing fees: $375.00 yearly
    • Discharge fee: $350.00
    • Extra repayments: yes - free up to $500 per month
    • Redraw facility: no
    • Offset account: no
    • Maximum loan to value ratio: 90.00%
    • Minimum loan amount: $150,000
    • Maximum loan amount:
    • Type of loan: Fixed
    • Repayment types: Principal & Interest
    • Availability: Owner Occupier
    • Repayment options: Weekly, Fortnightly, Monthly
    • Special offers: Receive $2,000 when you refinance an existing loan of $250,000 or more with an LVR of <90%. Apply by 13 December 2019 and settle by 5 March 2020.
    Overall rating

    7.3

    Based on 862 Suncorp home loan reviews

    Need more information?
    Go to site

    More info

*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.

Want more? Compare all 533 home loans in the Mozo comparison engine.

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*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.

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