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
Exceptional service by Charlotte and the State Custodians team
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.
Fantastic Service from Leo
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
Excellent customer service From Justin
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.
- Verified customer
The BEST Customer Service!
The entire experience is quite daunting for a first home buyer however I cannot fault the support and assistance received from our lending specialist, Charlotte, from the initial enquiry right through to the settlement. She was understanding and empathetic to our fears and concerns. She provided us with the best advice and support we could ever have hoped for. We were guided through each step with the utmost professional nature, and not once were we confronted with anything unexpected. She was patient with my frequent nervous questions, and con...tinued to reassure me at every step! The entire process was so simple! The interest rate was incredible, and very competitive, and for our situation the rate was 1.6% lower then the next financial institution willing to consider our application. State Custodians helped us realise our dream and we are forever grateful. Highly recommended!
Excellent customer service and guidance during my loan process!
My first encounter with State Custodians was a simple enquiry on how to refinance and what products they have to offer. I was guided by Charlotte Morgan through the enquiry. Charlotte was very patient, professional, and did not push me to sign up for a loan. A few days after considering their products, and comparing it with others - I knew that I wanted to speak to Charlotte again and have her guide me through the whole process! Every time I had a small question, clarification, or anything that was worrying me during the process, Charlotte was ...a breath of fresh air and gave me a sense of security and calm. I even called through the general number and asked for her directly - the team was more than happy to assist me, transfer me through or get Charlotte to give me a callback. Overall it was a very pleasant experience, very professional, and very patient throughout the process. I'm very thankful for the world-class service and to Charlotte for being my guiding light in the whole process!
Excellent example of a customer service lender
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
Cheap rates, helpful staff
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.
Great deal and easy application
I was astonished about the very competitive rates provided by State Custodians! They've pretty much smashed the competition and secured my family a great deal saving us almost a decade of interests!
The application was super smoth and the staff super helpfull always keen to help and clarify the minimum details giving me confidence to work with them.
I applied to refinance my investment loan with State Custodian because they had the best rate I could find for my loan. The application process was entirely online which made it extremely easy. At all times I new what I had to do and what I needed to provide. Tenille kept me fully informed along the way and was able to promptly answer any questions I had and helped me make decisions along the way.
Smooth transaction all the way
We had 3 investment loans for over 5 years with a major bank, which was unwilling to lower our interest rate below mid 4%. We shopped around and decided to go with State Custodians at 3.4%. Like most refinances, our situation wasn't black and white. I am 65 and my wife 58, both still working. From our initial call and the expected requests for paperwork, Hannah was always on hand to answer all our questions. All costs were laid out and except for an unknown break fee from the previous bank, there were no hidden fees encountered. It took about a month from that initial call to settlement last week and appeared seamless from our side. It was easy to set up our accounts online and we look forward to a long-term relationship.
State Custodians - very happy with my experience
From the time I submitted my loan application to settlement day everything went very smooth. After submitting all the documentation for my application Leo had sent it to the credit team for assessment and indicative approval was confirmed within the next 24hours. Valuation was then ordered and formal approval was issued within 24hours of the valuer sending the report. Loan documents and settlement process was very simple. Interest rate of 3.65% for interest only was one of the most competitive in the market. Overall very happy with State Custodians and especially with Leonardo Gonzales the Lending Specialist.
Good Service. Full online submission. Good turn around
I have only just received formal approval so I can only comment on the application process and rates.
I found everyone I talked to be very helpful
I was able to submit all my documents within a week of deciding to go ahead.
Everything I have submitted was done online.
It took State Custodians about a week to two weeks to process my documents, but I had to add a few additional docs, so that is completely understandable.
I think this has been one of the easiest loan applications I have ever done. For me web-based entry is the simplest and easiest, I can do it any time night or day.
I've never ventured outside the big 4 before, but so far I can't see a reason to go back. The comparison rate is far superior to the big 4.
Easy refinance with great rate
Great service from Leo and the team. No surprises and any delays were due to me being slow to provide docs. My former big bank dropped their rate a little but I’m still 0.58% better off with my investment loan.
Excellent service and lowest rates
We had a wonderful experience with our refinance application. The interest rates were one of the lowest in the market, Justin was very helpful throughout the process and there was no pressure to take up the loan....would recommend highly.
- Verified customer
Great rate, great service
Leonardo Gonzales was very helpful, patient and understanding in providing the information I need to approve my refinance application for someone like myself who is a first time home-buyer.
He guided me through the whole process and has answered my question promptly.
I am happy that my application has been approved and look forward to staying with state custodians.
We also had Hannah look after our application. Hannah is the consummate professional, she was always available to answer our questions, friendly and knowledgeable. We were very happy with State Custodians, the service was exceptional.
Easiest refinance process
We were looking to refinance our investment loan to one that had an offset feature. Leo provided us with exceptional service, and the process was hassle-free. All costs were laid out so that we were aware, and nothing was out of the ordinary. With the lowest investor rates on the market, at time of writing, we're extremely satisfied not only with the rate, but with our overall experience.
Very professional, helpful and great product
Customer service from Leonardo was very professional, timely, friendly and helpful
Information required was requested on a step by step basis with quick follow ups if/when required
The rate is very competitive.
Experience was seamless Leo was great to deal with and transparent about all rates and fees. These guys have the best deals in the market, I challenge anybody to find a better deal.
Questions & Answers
What is the discharge cost if leaving/distachargin a state custodians variable rate home loan of $250,000 please?
Has anyone had their interest rate increased above what they are offering new client. Eg Mortgage rate now is 2.58%
Anyone paying more than this rate.
let me know
Hi John I would urge you to read my last review about this company. They have admitted that they made an error in reversing a payment my ex partner made and put my mortgage in arrears to the tune of $19,700.00 plus Without notifying myself as the primary borrower. The matter has been with A.F.C.A for over 6 months and both State Custodians and A.F.C.A have delayed, evaded etc etc. If you don't have a loan with them Make Absolutely no mistake. STAY WELL CLEAR.. by the way State Custodians is a wholly owned subsidiary of Resimac. You need only look at the reviews people have posted about Resimac to see who you are/will be dealing with. Plus there are better rates available elsewhere. Hope that Helps. Cheers Paul
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.
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.
The team at State Custodians
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