Superb customer service with no fuss application process.
When looking to refinance our home loan Charlotte Morgan from State Custodians contacted me and offered us an impressive Interest rate of 3.15%. The entire process was a breeze. The application process was done all online with the expected paper work needed. Charlotte was extremely helpful and kept me well informed throughout the whole process, it was done seamlessly. Would definitely recommend State Custodians.
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.
- 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.
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.
Great customer service and very good rates. No hidden catches
The customer service provided were second to none, i was impressed by the whole experience. There were no extra or hidden costs, very satisfied with the loan and it is now the second property i have refinanced with them.
Very happy with interest rate and Refinancing.
I have recently refinancing my investment property with State Custodian Home loan.
State Custodian Team was very helpful and responding my enquirer quickly.
Special thanks to lending Specialist Leonardo in processes of my refinancing successfully been approved. I, was over the moon when I so my interest rate lowered even further, very positive approach by State Custodian Home Loan, big thanks guys.
Good rate but requires a lot of work to get through
We found State Custodians to have a very competitive rate and good products that met our need to release some equity in our property for future investments. I'm not sure if it is a reflection of their risk appetite, but they require a lot of documentation (around 20 documents in our case). But Justin our service representative was very responsive to helping use through the process and ensuring we clearly understood the product. We had also read through these reviews previously and understood that the process could take a long time (which for us it did). However in our case that wasn't an issue. I'm sure in other instances they could speed up the process as long as you have all your documentation in order.
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.
Customer Feedback T.State Custodians
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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