State Custodians home loan review 2026

State Custodians is an online mortgage manager owned by Resimac Group. It no longer accepts new home loan applications. Its website now focuses on existing borrowers, with account access, loan support and help with repayments.

Resimac offers current home loans under its own brand. That gives you another option to compare, but it doesn’t mean your State Custodians loan automatically becomes a new Resimac product. The rate, fees and features on your existing loan come from your own contract and any later notices. Read our Resimac home loan review if you’re considering a new application.

You can use LoanAccess through a web browser or the LoanAccess mobile app. Start from the login link on the official State Custodians website so you know you’re using the right service.

If you use redraw or an offset to pay bills, check your account’s withdrawal limits and payment options before moving money. The LoanAccess features page explains how to use the service.

State Custodians has a refund programme for customers overcharged discharge or telegraphic transfer fees. Eligible refunds include interest, and former customers can qualify too. Check its official refund information or call its refund team on 1300 154 582. If someone contacts you asking for bank details, verify the request independently through that official page first.

Start with the rate and fees on your latest statement. Ask State Custodians whether it can offer you a lower rate, then compare that offer with the full cost of switching. I’d keep the years left on your loan the same in that comparison so you can see what you’d save.

A new lender will assess your income, expenses, debts and property. Having paid your current loan on time helps, but we still need to check that the new application works. Our refinancing guide explains the process and costs.

Send us your latest statement and any rate offer you’ve received. We’ll compare the costs over the years you have left on the loan.

Resimac may be worth comparing if you’re self employed or have had credit problems. I’d check which lenders can work with your income and circumstances before choosing one. Shared ownership alone doesn’t make it the best replacement.

Some specialist options may consider a shorter business history, with different costs and conditions. Property location and loan purpose can also affect your options, particularly for regional homes or construction.

Our Resimac review and self employed home loan guide explain the details. You can also compare NAB and Westpac before choosing a loan that uses different income documents.

Resimac has 100% offset options on eligible loans, including loans that use alternative income documents. State Custodians and Resimac aren’t banks, so check how your offset money is held and which protections apply. It may be held differently from a separate bank deposit account.

APRA’s Financial Claims Scheme covers eligible deposits up to $250k per account holder, per authorised deposit-taking institution, if the government activates it after an institution fails. Separate bank deposit accounts used as offsets can qualify. Brands sharing the same banking licence share that limit.

If you keep a large emergency fund in your offset, this is worth checking alongside the interest saving. Our offset account guide explains the difference between offset and redraw.