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State Custodians is an online lender that was founded in 2007, with a mission to offer an affordable alternative to the banks.

Although a newcomer to the home loan business in Australia, State Custodians is now owned and funded by RESIMAC Limited, which has been delivering financial services for more than three decades.

State Custodians offers a broad range of home loans and also specialises in mortgages that cater for borrowers with bad credit.

Borrowing Amount

Property Value

Rate Type

State Custodians home loans rates

Advertised rate
Upfront fee
Comparison rate*
Ongoing fee
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  • State Custodians offer a variety of home loan products.
  • Flexible loan options.
  • Award winning loan products.
  • No branch network.
  • Some products include fees.
State Custodians customer service:

Home loan customers can contact State Custodians calling the customer support line, emailing customer support directly or via the online chat function. As State Custodians is an online only lender there is no branch network.

How to Apply

Customers wanting to apply for a State Custodians loan can apply by filling out a pre-qualification application online or by calling the bank. Before applying for a home loan it is advisable to think about how much money you could conceivably borrow given your financial situation and income.

You will also need to provide documentation when applying for a home loan. This will include:

  • Name and contact details of each borrower.
  • Income & expenses.
  • Existing property details and liabilities.
  • If you’re self-employed you will need to include the last two Business Activity Statements (BAS), three months of business bank statements and a letter of verification from an accountant.


Stamp duty is a tax that’s payable when you buy a property in Australia. The amount varies from state to state. Different states also have different rules about whether you can pay stamp duty with a credit card.

Some allow payments only from a savings or chequing account, whereas others allow payment through BPAY – and you may be able to do this through your credit card.

Check the payment options for stamp duty on your local state revenue office website. Also read the fine print to see if BPAY payments on your credit card are considered cash advances, as this could attract a higher interest rate.

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