Hi ..I have a question for you guys . My rate droppped to 2.80 last month and when I calculate my monthly repayment on different apps, I get 2424 figure wheras State Custodians is charging me 2440. Does anyone know why ?
Ebi

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

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.

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.

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.

Customer service and settlements helped answer all my questions and ensured that all the paper work was completed accurately and in a timely manner. The loan should be finalised in the coming days and I look forward to having little to no account and transaction fees as well as a very competitive interest rate (3.15% pa effective from the 24th of July so I have been told). Haven't used their online banking as yet. As long as the site is user friendly and does the job who cares about all the bells and whistles when the account fees are practically non-existent and the interest rate is so low.

Our approval took a month. Preapproval is quick but after that things so down. I was told they're just really busy. Kept asking for more documents (we were refinancing). They increased the amount of our loan between application and preapproval without asking me. Then when I pointed the increase out I was told I hadn't applied for enough to cover the refinance. Pointed out I had and they eventually agreed. With all that said it's pretty painless (if you're not in a hurry) and the communication is reasonably good. And in the end I'm going to save 4 years and $50k so it's win/win.

Customer service was excellent, the process took us longer than expected as the documents were sent by email from the solicitor, this meant we had to print 59 pages twice as we were refinancing 2 loans. I feel the solicitor could have sent this information to us with stickers attached of were to sign. I'm not sure what the solicitor fees included as we feel we printed documents and sent registered post, just to get it right.As for State Custodian they were very informative and a pleasure to deal with. Our interest rates were so much cheaper than our previous bank, lets see if they stay that way?

Easy to deal with and all done online. Good customer service and always ready to answer any questions. Happy to recommend State Custodians. Sean & Marcus very helpful!

Hi Transferred my investments and owner occupied. The rates are fantastic. The amount of paperwork is a little tedious, but well worth it.
Highly recommended!

This was my first time getting a home loan, and I found every time I had a questions, regardless of how basic, the staff were helpful friendly and supportive.

I had a relatively smooth process from application to settlement, and was kept uptodate on the status of my application.

For the fantastic interest rate and features, it was worth the trial of not having much assistance with the online application process. [Name Removed] was good at sales but could be better at support. [Name Removed] is a real gem she is so knowledgeable, responsive and patient. Glad I persevered, all smooth sailing now.

We have had multiple home loans with the major banks. This is the first time we applied for a home loan outside of the top 4 banks. Service was great and efficient. However some things were a little more difficult than dealing with a bank that is a one stop shop with everything to do with applying for a home loan to loan settlement all under the one roof. I would still recommend State Custodians though as a good alternative to the major banks especially with their low interest rates and offset account availability.

The product has good rates and service is very smooth and efficient. Highly recommend to everyone who's looking to save.