??!
1 photo
State Custodians
3.8 from 408 reviews

Reviews

(259)
(27)
(9)
(25)
(88)
  • Transparency
    4.2 (59)
  • Customer Service
    4.1 (63)
  • Loan TypeVariable Rate (50) · Line of Credit (5) · Fixed Rate (3)
  • Application Process
    4.3 (62)
  • Timeliness
    4.1 (63)
  • Loan used for
    • Refinancing (33)
    • Investment Property (10)
    • First Home (4)
    • Second Home (3)
    • Renovation (1)
  • Loan Term24.071 years (28)
  • Online Tools
    4.1 (24)
Gold_Member

Gold_MemberAU

  • 4 reviews

Great Rates. Terrible Application Process

published

All banks have policies for their due diligence, but State Custodians are beyond reproach; it is so excessive in comparison to other lenders. I keep wondering what the costs of these procedures must be.
It could be argued that a more thorough checking procedure is prudent, but asking for random and negligible documentation ad nauseum is a strange way to gain customers.
My documents are all signed but the requests keep coming. I feel that I have gained a master.

1 comment
State Custodians
Customer Feedback T.State Custodians
Jed M D.

Jed M D.Sydney, NSW

State Custodians is our preferred Lender

published

We approached State Custodians for a top up of our existing mortgage. Leo was fantastic, helping us navigate the paperwork and answering all our questions as we moved through the process. His attention to detail and professionalism was exceptional. Totally satisfied with all aspects of our loan.

Transparency
Customer Service
Application Process
Timeliness
Loan TypeVariable Rate
Loan used forRenovation
See all answers
1 comment
State Custodians
Customer Feedback T.State Custodians
Darlene

DarleneGreater Melbourne (Outer), VIC

Great customer service

published

From application to end, Leo was easy to communicate with and very helpful with advice. What a great service and thanks to Leo am a very happy customer! A fast and professional service.

Transparency
Customer Service
Application Process
Timeliness
Online Tools
Loan TypeLine of Credit
Loan Start DateFebruary 2020
Loan used forRefinancing
See all answers
1 comment
State Custodians
Customer Feedback T.State Custodians
Home Loans

Find out how State Custodians compares to other Home Loans

Know better, choose better.

Compare all
J and R OD.

J and R OD.Greater Melbourne (Inner), VIC

Great service, excellent result!

published

Our State Custodian loan application process was handled professionally and timely by our Lending Specialist, Leo. Communication was detailed and accurate with the whole application process taking less than three weeks. Considering the work load of SC and the complexity of our loan, we are extremely happy with their service. We highly recommend State Custodians. Tip: Be patient and have all your documents ready - don't expect a loan to be approved in less than a week - there are rigid checks and balances that must be adhered to.
Thanks again SC and Leo!

Transparency
Customer Service
Application Process
Timeliness
Online Tools
See all answers
1 comment
State Custodians
Customer Feedback T.State Custodians
Greig

GreigDarwin, NT

Waste of time

published
Transparency
Customer Service
Application Process
Timeliness
Online Tools
Loan used forRefinancing
See all answers
1 comment
State Custodians
Customer Feedback T.State Custodians
Sean

SeanMetropolitan Adelaide, SA

  • 2 reviews

Terrible experience

published

Please think twice if you want to sign up your loan with SC.
I realised there were reoccurring unauthorised transactions from my offset account. They admitted that it was their mistake but nothing was done. I have been waiting for them to refund my money for over 2 months, despite lots of follow up emails and phone calls. Complete waste of time.

Customer Service
1 comment
State Custodians
Customer Feedback T.State Custodians
Mahmoud A.

Mahmoud A.Metropolitan Adelaide, SA

They never call when they say they will

published

Terrible customer service, I had to chase them up to process my loan even though they got all needed documents they requested. Called more than 4 times to find out what's happening, everytime I get promised to receive a call back but I never did. I ended up emailing them to cancel my application and I will be going with another lender, yet didn't even reply this email which was a week ago.

Customer Service
Application Process
Timeliness
Loan TypeVariable Rate
See all answers
1 comment
State Custodians
Customer Feedback T.State Custodians
David W

David WSydney, NSW

Professional/ prompt service. Thanks.

published

After having a disappointing (unsuccessful) experience with my local Mortgage Broker I cautiously (I’m a boomer who prefers face to face communication) commenced an online home loan refinance application with State Custodians.
After commencing the online application process I was impressed when I promptly received a phone call (email acknowledgement already received) to discuss my application. Throughout the process I was guided by emails, some after hours & phone calls during working hours. Excellent client relations, thanks Leonardo G.
p.s. the loan / refinance process was prompt & should be completed within the next 10 days.
Happy customer. Thanks all.
David W

Transparency
Customer Service
Application Process
Timeliness
Online Tools
Loan TypeVariable Rate
Loan Start DateJanuary 2020
Loan used forRefinancing
See all answers
1 comment
State Custodians
Customer Feedback T.State Custodians
sgkumar78

sgkumar78Sydney, NSW

  • 5 reviews
  • Verified customer

Good rates and seemless process

published

I approached SC for a new investment loan. My Lending Specialist is Leonardo. The rates were good and process was relatively straight forward and fewer bureaucracy compared to a bank. I commend Leo for providing robust update on the progress. When needed he escalated matters and resolved to my satisfaction. He has been very helpful.

Transparency
Customer Service
Application Process
Timeliness
Loan TypeVariable Rate
Loan Start DateNovember 2019
Loan used forInvestment Property
See all answers
1 comment
State Custodians
Customer Feedback T.State Custodians
Home Loans

Find out how State Custodians compares to other Home Loans

Know better, choose better.

Compare all

Poor performance on every level

published

I was given a minefield of hoops to go through, delays and excessive red tape to get through which ultimately discourages any success in reducing my interest rate. Very dissatisfied with service on all levels.

Transparency
Customer Service
Application Process
Timeliness
Loan TypeVariable Rate
Loan used forFirst Home
See all answers
1 comment
State Custodians
Customer Feedback T.State Custodians

Easy Process

published

Helpful staff. Easy and straightforward process. Right rate. No complaints here.happy to recommend Justin. Whole process took only few weeks from start to finish with everything explained well and in a timely fashion. Cheers

Transparency
Customer Service
Application Process
Timeliness
Loan TypeVariable Rate
Loan used forInvestment Property
See all answers
1 comment
State Custodians
Customer Feedback T.State Custodians
Victor

VictorGreater Melbourne (Outer), VIC

Exceptional service by Charlotte and the State Custodians team

published

Refinancing process was made so simple and not at all difficult.
Great communication by Charlotte our lending specialist and we were kept updated throughout the entire process. Highly reccomend them to anybody thinking about refinanacing.

Transparency
Customer Service
Application Process
Timeliness
Online Tools
Loan TypeVariable Rate
Loan Start DateOctober 2019
Loan used forRefinancing
See all answers
1 comment
State Custodians
Customer Feedback T.State Custodians

Fantastic Service from Leo

published

I had a split loan with one of the big 4 banks and was looking to refinance it all into one. Leo was very knowledgeable and was able to explain how to get it all done. He has excellent customer service skills and responded to my queries in a timely manner

Transparency
Customer Service
Application Process
Timeliness
Loan TypeVariable Rate
Loan used forRefinancing
See all answers
1 comment
State Custodians
Customer Feedback T.State Custodians
ttkpkh

ttkpkhGreater Melbourne (Metropolitan), VIC

  • 3 reviews
  • 3 likes

Excellent customer service From Justin

published

I applied to refinance my investment loans with State Custodian online, Justin from State Custodians contacted me. I have several loans to refinance, there are a lot of documents to process. Justin guided and helped me go through the whole process smoothly from the application to the formal approval.
Thank you very much Justin.
I am very happy with the loans and services provided by State Custodians.

Transparency
Customer Service
Application Process
Timeliness
Online Tools
Loan TypeVariable Rate
Loan Start DateAugust 2019
Loan used forRefinancing
See all answers
1 comment
State Custodians
Customer Feedback T.State Custodians
KTM

KTMSydney Surrounds, NSW

  • Verified customer

The BEST Customer Service!

published
Transparency
Customer Service
Application Process
Timeliness
Online Tools
Loan TypeVariable Rate
Loan Start DateSeptember 2019
Loan used forFirst Home
See all answers
1 comment
State Custodians
Customer Feedback T.State Custodians
Home Loans

Find out how State Custodians compares to other Home Loans

Know better, choose better.

Compare all
Juliet L.

Juliet L.Sydney, NSW

Excellent customer service and guidance during my loan process!

published
Transparency
Customer Service
Application Process
Timeliness
Loan TypeVariable Rate
Loan used forInvestment Property
See all answers
1 comment
State Custodians
Customer Feedback T.State Custodians

Good company to deal with and great rates

published

I engaged State Custodians to refinance my existing mortgage. The existing interest only mortgage was reaching the end of its 5 year term and was no longer at a competitive rate. I was attracted to State Custodians on the rates offered and reputation. I consider mortgage finance to be a commodity product. In order to offer such good rates and keep their cost low an organisation such as State Custodians will not dazzle you with service and rapid turn around on execution. Pre-approval was quick and, as it turns out, accurate and honoured through provision of subsequent finance.
Progress on the execution was predictable and the staff at State Custodians courteous and helpful.
Very happy with the experience.

Transparency
Customer Service
Application Process
Timeliness
Online Tools
Loan TypeFixed Rate
Loan Start DateOctober 2019
Loan used forRefinancing
See all answers
1 comment
State Custodians
Customer Feedback T.State Custodians

Awesome customer service, amazing rates

published

My lending specialist Justin was very helpful and was able to meet deadlines. State custodians had competitive interest rates and great overall package. Thank you again, happy first home buyer!

1 comment
State Custodians
Customer Feedback T.State Custodians
markk0078

markk0078AU

  • 5 reviews

Excellent example of a customer service lender

published

I had a very good experience dealing with State Custodians. Their rates were 0.5% less than the nearest lender in my situation. I worked with Justin and he continually kept me updated throughout the process and was very professional even when there were some hurdles to overcome. I would definitely recommend

Transparency
Customer Service
Application Process
Timeliness
Loan TypeVariable Rate
Loan used forSecond Home
See all answers
1 comment
State Custodians
Customer Feedback T.State Custodians

Cheap rates, helpful staff

published

State Custodians offered competitive rates and the application process was pretty simple and they didn't demand intrusive levels of paperwork (some lending institutions want details of all your bank accounts).
Staff, especially Leo, were very helpful and patient at addressing my many queries as it was my first mortgage.

Customer Service
Application Process
Timeliness
Loan TypeVariable Rate
Loan Start DateSeptember 2019
See all answers
1 comment
State Custodians
Customer Feedback T.State Custodians
Page 1 of 21

Questions & Answers

Lynette

Lynetteasked

What is State Custodians LVR on units more than 6 levels in Potts Point in Sydney. Do you lend up to 80% or 70% of the purchase price.

1 answer
State Custodians
Customer Feedback T.State Custodians

Dear Lynette

Thanks for your question. In general we can lend up to 70% LVR on units in metropolitan areas, however with Lender’s Mortgage Insurance we may be able to lend above 70% LVR. Please note that we would need the address of the property to provide a more definitive answer, so please call us on 13 72 62 and one of our Lending Specialists will be able to assist you.

Kind regards
The team at State Custodians

Lynette

Lynetteasked

What is State Custodians LVR on units more than 6 levels in Potts Point in Sydney. Do you lend up to 80% or 70% of the purchase price.

No answers
Andrew W.

Andrew W.asked

Does state custodians do cross collateralised loans?
We want to refinance but our investment property loan is partly secured by our owner occupied house.

1 answer
State Custodians
Customer Feedback T.State Custodians

Hi Andrew,

Thank you for the question. Yes, we do offer this option as well as other loan structures that may be beneficial to your situation. One of our Lending Specialists will be able to help you with this.

It is best to give us a call on 13 72 62, alternatively you can send us a message through our website - https://www.statecustodians.com.au/contact-us.

We look forward to speaking with you.

Kind regards,
The team at State Custodians

Get an answer from our members and State Custodians representatives

ProductReview.com.au has affiliate partnerships. These do not influence our content moderation policies in any way, though ProductReview.com.au may earn commissions for products/services purchased via affiliate links.