- Verified customer
From day 1 the customer service assisted me all the way until settlement. Everything has smoothly processed through emails/phone calls. Great service and highly recommended!
It's been a year now and quite happy with the home loan rate :-)
- Verified customer
Very quick to meet our requirements after a complaint
I've refinanced my home loan from Ubank.
1. Very competitive comparison rate.
2. Offset account for the home loan package.
3. Online bank so should have lower overheads to compete against the big 4.
Excellent Service from State Custodian Product Review team and the Retention team
After the settlement of my Loan, In a previous review I have given 5 star to State Custodian for their Loan Initiation and onboarding process.
However, I was unhappy with the Loan Maintenance Customer Service team mainly how they changed the interest rate and their denial to act with my request. I already started searching for a lender.
When I have reported the details of my grievance through Product Review, the online service team was very prompt to answer my queries and refer my case to the Retention team which offered a solution for my problem and eventually retained me as a customer.
Needless to say, I am happy to give another 5 star review for the State Custodian Product Review team and the Retention team.
- Verified customer
The customer service is real
I guess my story is like everyone elses - we have a home loan through a bank (one of the 'big four'), the interest rate is not as competitive as it could be, and the service is terrible but apparently accepted as a sign of the times (royal commission, anyone?).
I was looking for a good online lender that could offer a low interest rate in exchange for a no frills loan package, something simple where we can just focus on saving and paying off the loan as quickly as possible. State Custodians came up through my searches and I to...uched base through I believe their online form on the website. Within a day I had an email back and after a few days of discussions and considering our options, we decided to go ahead with State Custodians. We next heard from their representatives and received (via email) the paperwork we needed to sign and return. The paperwork felt very excessive (90+ pages!) and there was a lot of 'legalese' involved, which put us on the back foot immediately - we were a little bit suspicious (or perhaps sensibly cautious). However, unlike at my bank, the customer service at State Custodians is absolutely incredible. A real breath of fresh air. They continually touched base with us, answered all our questions, even sat on the phone for an hour to review and discuss all the paperwork with us to make things as easy as possible. It's honestly the service that has made a real difference - the interest rate is good, don't get me wrong, but State Custodians makes us feel like valued clients instead of just another number.
Smooth process and really helpful team
Great customer service from day 1 until settlement. The State Custodians team has always been answering our questions promptly and very clearly.
Very happy with the rate so far. Keep up with the good job.
Professional & Efficient!
Great customer service - very professional and efficient. Easy to communicate / get in touch with unlike other online lenders. Good with following up on the process and assisted when required. Happy with the rate - very competitive. Highly recommend this company.
This is wonderful. I have achieved my dream home.
The customer service l received throughout the whole process was outstanding. It was positive, informative and friendly. Nothing was too much trouble.
I didn't experience any unexpected costs.
I am happy with my rate. Very competitive. The lowest l could have hoped for.
Easy Loan Refinance
From start to finish i had help refinancing my home loan with State Custodians. All the contracts and forms that i needed to fill out where explained to me in full and i was helped every step along the way. The customer service was above and beyond what i experienced from my last bank and I'm glad i made the switch. I would definitely recommend to other people.
Very happy that we went with State Custodians.
Best thing is that they were very quick to respond to any questions we had.
Would definitely recommend their services..
Congenial and highly professional.
My dealings with State Custodians were congenial and highly professional. I highly recommend State Custodians to anyone wishing to re finance their loan. Thank you.
I applied for a homeloan online.I received a call back within two hours. The online application form was simple to use. Sean and Ross were professional and well trained. They had good product knowledge and made the refinance an easy process.
Costs were higher then expected, as lenders are now offerring cash payments of upto $ 1000 to take a loan from them, whereas I had to pay the solicitors fees and other charges with State custodian.
The interest rate for the loan is competitive for a new frills basic loan in the market. Being a non bank funder there is no offset account with the loan and there is a time delay with transfer of funds from loan to a bank account to be available for use.
- Verified customer
Great service any information needed was just an email or Phone call away.
All staff dealt with were excellent, nothing to much trouble and always easy to contact the right person
No fees as stated no cost for valuation.
The Interest rate was excellent wish I was more observant long ago, definitely pays to shop around
Will definitely recommend to anyone needing a loan.
Thanks Peter & Lea
Great Investment Loan on Offer
Great service - said what they did, did what they said. No unexpected costs. Competitive rates; hope they keep staying competitive over time.
Professional service, great loans
Very competitive interest rates, flexible, hard to beat, 5 stars at CanStar. Only loans.com.au came close when I was researching the most suitable loan provider. Will recommend to family and friends. It's still early days (settlement last week) but so far so good. Thank you
Smooth process...great customer service!
Thank you SC for a very streamlined and efficient refinancing process. Decided to refinance with SC after ongoing interest rate hikes without notice from another bank lender. Found customer service very helpful and responsive...always provided clear information about the process and in a timely manner. Very satisfied with our loan combinations from SC...particularly after several brokers had told us that the loan products we were seeking were not possible! Looking forward to ongoing happy relations with SC!
- Verified customer
Simplified process eliminating any duress or issues from application through to completion.
Having dealt with SC previously I decided to engage them upon an investment loan. Despite this being under a Trust arrangement and the extra workload that is required, the process was extremely smooth and pleasant. I will of course recommend this company as i have done previously, I would also commend Nicholas Porich and Darren Chatburn for their assistance and expertise to make the whole process stress free.
Great rates, excellent customer service
The whole process was great - no undue sales pressure, simple identity checks, extremely strong emphasis on checking credentials and validity of financial information provided, very competitive investment loan interest rates and ongoing fees and charges, very responsive and knowledgeable staff who sorted out queries and problems quickly, efficiently and in an empathetic manner, very good online system for loan management.
The only weakness in the system is in the data collection phase of the process where there is no clear demarcation betwee...n the financial information being entered in joint-ownership cases. There is definite room for improvement here - by having separate sections for each borrower, you will eliminate the confusion that the current layout causes, with unnecessary phone calls consequently when we get things wrong.
Great service and no pushy sales people!
The whole process was straight forward and easy to complete. Any questions were answered right away and there were no pushy sales people trying to get you to sign on the line at all costs. Called my own bank who I have been with for nearly 20 years and they couldn't come close to the rate or the features of this loan. I would definitely recommend.
- Verified customer
Easy system, professional advice and quick response
So far, I could not be happier with State Guardians. As I work in North Ryde, there are no banks - so a totally online system works for me perfectly and I am happy with the service offered.
Great Experience end to end when taking an equity loan
I found the service offered by State Custodians to be friendly, efficient and always prompt. Every member of the lending team I spoke with were well informed about the product and happy to provide enough information to give me comfort with the product, before I proceeded with my loan application. Excellent experience from end to end, plus highly competitive rates. Very impressed.
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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