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Low Rate Home Loan with Offset (Principal and Interest) (LVR 80%-90%)

Customise your mortgage repayments by entering your details:

I want to borrow

Loan Term

years

Repayment Frequency

Pros:
  • Extra low interest rate for refinancers
  • No ongoing fees
  • 100% full offset account
  • Extra repayments + redraw services
Cons:
  • Discharge fee at end of loan
  • Not available for self-employed borrowers
  • Repayments may increase if RBA raises rates

Details & Fees

Maximum LVR
Maximum LVR
90%
Interest rate structure
Interest rate structure
Variable
Borrowing range
Borrowing range
$100k - $2mCalculate how much you can borrow »
Total repayments
Total repayments
$837,720View repayment schedule »
Principal & interest
Principal & interest
Interest only
Interest only
Loan term
Loan term
15 - 30 years
Offset account
Offset account
100% offset account
Extra repayments
Extra repayments
Unlimited extra repayments
Redraw facility
Redraw facility
Redraw fee: $0
Allows split interest
Allows split interest
Suitable For
Suitable ForOwner Occupiers
Applicable States
Applicable StatesACT, NSW, NT, QLD, SA, TAS, VIC, WA
Make Repayments
Make RepaymentsFortnightly, Monthly, Weekly
Estimated upfront fees
Estimated upfront fees
$286
Application fee
Application fee$0
Settlement fee
Settlement fee$0
Valuation fee
Valuation fee
$286
Legal fee
Legal fee
$0
Ongoing fee
Ongoing fee
$0
Discharge fee
Discharge fee$300
Maximum LVR
Maximum LVR
90%
Interest rate structure
Interest rate structure
Variable
Borrowing range
Borrowing range
$100k - $2mCalculate how much you can borrow »
Total repayments
Total repayments
$837,720View repayment schedule »
Principal & interest
Principal & interest
Interest only
Interest only
Loan term
Loan term
15 - 30 years
Offset account
Offset account
100% offset account
Extra repayments
Extra repayments
Unlimited extra repayments
Redraw facility
Redraw facility
Redraw fee: $0
Allows split interest
Allows split interest
Suitable For
Suitable ForOwner Occupiers
Applicable States
Applicable StatesACT, NSW, NT, QLD, SA, TAS, VIC, WA
Make Repayments
Make RepaymentsFortnightly, Monthly, Weekly
Estimated upfront fees
Estimated upfront fees
$286
Application fee
Application fee$0
Settlement fee
Settlement fee$0
Valuation fee
Valuation fee
$286
Legal fee
Legal fee
$0
Ongoing fee
Ongoing fee
$0
Discharge fee
Discharge fee$300

Since 2007, State Custodians has set out with a simple mission to provide Australians with a real alternative to the big banks. State Custodians are an online-only lender with a large range of home loan options which are suitable to all borrowers. State Custodian loans are backed by RESIMAC Limited who have been funding home loans in Australia for over 30 years.

State Custodians has won numerous awards and been recognised as the 2015 Non-Bank Lender of the Year by Money magazine five years in a row.

State Custodians Home Loan Calculator
Interested in an State Custodians home loan? RateCity has a suite of calculators that can show you what your repayments would be and how State Custodians compares to its competitors. Simply plug in your borrowing amount below. 

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