State Custodians Mortgage Company Standard Fixed Loan (4 Year)

A State Custodians Mortgage Company, fixed home loan over four years can give you two major certainties. You can be certain that you will not be troubled with interest rates rising for the next four years and you can be certain that your budget will not become impossible to juggle should interest rates rise over the following four years.

For these reasons when taking out a home loan you must consider such things as:

• What are interest rates likely to do? For instance; what do experts tell you about the economic situation for the next four years?
• Do they think that interest rates are more likely to rise than fall during that time?
• What would be your financial position over the next four years if interest rates were to rise?
• Do you need fixed interest rates on your home loan to ensure your budget remains manageable for at least the following four years.

If you feel the security of a State Custodians Mortgage Company, fixed home loan (4 Year) would be all you need, you can then look forward to having your mortgage automatically switched to ‘Standard Variable Offset Loan’ interest rate. Or negotiate a further fixed term.

A State Custodians Mortgage Company, fixed home loan (4 Year) allows you to benefit from the company’s money saving policy of dealing directly with customers and thereby avoiding the following overheads:

• State Custodians Mortgage Company (SCMC) does not accept business from mortgage brokers.
• SCMC does not accept business from agents who work for commissions.
• All SCMC staff are salaried professionals with no conflict of interest.
• SCMC business is done online and by phone directly with real life staff members.

This approach to managing home loans keeps interest rates low while customers can remain confident that their home loans are being administered by people who care.

Accessibility & Repayments

Owner occupiers and property investors, whether they be first home buyers or not are invited to make application for a State Custodians Mortgage Company, fixed home loan (4 years). You can choose yourself if you would prefer to pay your loan as interest payments only or to pay both interest and principal, depending on your own individual needs. Monthly, fortnightly or weekly repayments are acceptable and top ups can be approved but must comply with the stipulated conditions.
You can also arrange to have your loan pre-approved if you wish.

Loan Limitations & Requirements

The maximum term of a SCMC fixed home loan (4 years) is 30 years overall. $150,000 is the minimum amount you can borrow and the maximum is $1,000,000 but you can arrange to borrow a higher amount under certain circumstances. SCMC will loan up to 95% of valuation for home purchase as well as for refinancing but you will be required to take out loan mortgage insurance.
If you are taking out the loan for the purposes of debt consolidation your borrowing will be restricted to 90 percent of valuation and once again you will need loan mortgage insurance and you will be allowed to capitalize your loan mortgage insurance repayments.

Four Loan Splits Offer You Longer Term Flexibility

A State Custodians Mortgage Company, fixed home loan (4 Years) can accommodate four splits.
A free redraw facility can be accessed but not on any fixed portion of the loan. There is a transaction saving account linked to the variable interest rate portion of the mortgage that is 100 percent offset and there is a free unlimited access phone loan account as well as a free unlimited access online account all having ATM, EFTPOS and BPAY facilities.

There is free salary crediting available on the variable interest portion of your loan but not on the fixed period. Once the loan becomes one of variable interest the interest rate becomes the same as that of the SCMC Breathe Easy Offset home loan rate.

State Custodians Mortgage Company Fixed Home Loan Fees

You will not have to pay any application fee, nor any monthly or ongoing fees of any nature. No settlement fees are deducted from your loan monies, neither is there any offset management fees to pay and all pre-approvals are free.

A transfer fee of will apply if you wish to transfer the loan to another property as it is a fully portable home loan (conditions apply). There is no exit fee. There is also an optional debit card attached to all State Custodians Mortgage Company home loans for approved customers – a Mastercard debit card can be used for all EFT transactions including internet and phone purchases.

A State Custodians Mortgage Company, fixed home loan (4 years), will allow you time to settle into your loan with more budgeting certainty and you will feel financially secure in the knowledge that your interest rates will be held stable for the following 4 years.

Read the State Custodians Mortgage Company Standard Fixed Home Loan - 4 Year Fixed Rate (Fix less than 50%) terms and conditions.

• Comparison of Top 10 Credit Card Offers

Top Home Loans

Home Loan	Details	Interest Rate (p.a.)	Comp Rate^ (p.a.)	App Fee / Ongoing Fee	Max LVR	Min & Max Borrowing
Loans.com.au - Dream Catcher​	A home loan offer with a $0 application fee and one of the lowest available home loan interest rates.	5.85%	6.21%	$0 / $375	80%	$50,000 / $750,000
Bankwest Online Home Loan	A low interest rate home loan with a $0 application fee and ongoing maintenance fees. This offer is exclusively available by applying online.	5.97%	5.97%	$0 / $0	80%	$100,000 / $1,000,000
State Custodians Mortgage Company Standard Variable Offset Loan	Awarded Mortgage of the Year 2012 – this multi-award winner features 100% offset and a loyalty 0.25% rate drop after 5 years.	6.02%	6.23%	$0 / $345	95%	$150,000 / $1,000,000
Illawarra Home Loans Bank Beater Home Loan	A low variable rate, beaten down even further by 0.05% p.a. after 5 years.	6.07%	6.35%	$0 / $345	90%	$250,000 / $1,000,000