Advisers
Find all the information regarding our home loan offerings for variable and fixed rate products across both prime and specialist lending. Our products suite is designed to satisfy the full range of customers, from prime customers, to investors and also those borrowers who may have been declined due to previous credit problems. Prime loans fully verified for PAYE and self-employed clients. Fixed and or Variable can be split up to 5 separate portions on P&I and interest only.- Debt consolidation including IRD debts.
- Desktop valuations now available.
- LVRs up to 90%.
- No risk fees, no monthly fees, only one settlement fee.
Not all features available on all products.
Please refer to product specs for additional information.
Made for Resimac
If one of these customers walks through your door, you can be confident that Resimac has a solution suitable for their unique needs.
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The Residential Property Investor
They’re a seasoned professional investor with an established portfolio and good existing equity. They’re practical and driven to maximise their ROI, so they’ll buy wherever there’s a good opportunity. They’re looking for a lender they can truly partner with.
What Resimac Product?
Specialist Investment Loan Find out more -
The Self Employed
They run their own business and it’s trading well. But while business is good now, this success isn’t necessarily reflected in the last two years’ financials. Now they need finance and they want lender a that can appreciate their most recent earnings and situation.
What Resimac Product?
Resimac Prime Alt Doc Find out more -
The Credit Impaired
They’d recently experienced some hardship, but it was a one-off and they’re on the road to recovery. These setbacks were just temporary and shouldn’t define them. They want credit so they can refinance or start the next phase of their life
What Resimac Product?
Resimac Specialist Find out more -
The International
They’re a New Zealander or Australian living and working in Australia and they’re looking to buy a residential property in NZ. They have a good full-time job, earn a decent income and are savvy enough to know they can take advantage of tax arrangements to maximise their return.
What Resimac Product?
Resimac Prime Find out more
Standard Prime Full Doc Rates
For more information about our interest rates (for both new and existing loans), our standard fees and charges, and other important conditions and details,
see our ‘Regulated Products Disclaimer’ below.
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Full Doc Rates
| Owner Occupied and Investment (≤ 80% LVR) |
Variable | Fixed | ||||
|---|---|---|---|---|---|---|
| 1 year | 2 year | 3 year | 4 year | 5 year | ||
| ≤ 80% LVR | 8.84% p.a. | 8.09% p.a. | 7.59% p.a. | 7.29% p.a. | 7.09% p.a. | 7.09% p.a. |
| 80.01-90% LVR (OO only) | 9.84% p.a. | 9.09% p.a. | 8.59% p.a. | 8.29% p.a. | 8.09% p.a. | 8.09% p.a. |
All advertised interest rates are available for new eligible loans and are subject to change. Your interest rate may differ depending on borrower category, security use and how much you borrow relative to the value of your property. Terms and conditions apply to all loan features. Final approval is subject to credit assessment. Valuation fee is at the cost of the valuation. Annual fee $0. Application fee $399. Settlement fee $199. Discharge fee $250. Details about our products and our full interest rate disclosure for new and existing loans is set out in our Interest Rates Disclosure document. A schedule of our fees and charges is available on the Costs of Borrowing, Forms, and Terms page.
Standard Prime Alt Doc Rates
For more information about our interest rates (for both new and existing loans), our standard fees and charges, and other important conditions and details,
see our ‘Regulated Products Disclaimer’ below.
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Alt Doc Rates
| Owner Occupied and Investment |
Variable | Fixed | ||||
|---|---|---|---|---|---|---|
| 1 year | 2 year | 3 year | 4 year | 5 year | ||
| ≤ 80% | 9.34% p.a. | 8.59% p.a. | 8.09 % p.a. | 7.79% p.a. | 7.59% p.a. | 7.59% p.a. |
All advertised interest rates are available for new eligible loans and are subject to change. Your interest rate may differ depending on borrower category, security use and how much you borrow relative to the value of your property. Terms and conditions apply to all loan features. Final approval is subject to credit assessment. Valuation fee is at the cost of the valuation. Annual fee $0. Application fee $399. Settlement fee $199. Discharge fee $250. Details about our products and our full interest rate disclosure for new and existing loans is set out in our Interest Rates Disclosure document. A schedule of our fees and charges is available on the Costs of Borrowing, Forms, and Terms page.
Specialist Full Doc and Specialist Alt Doc Rates
For more information about our interest rates (for both new and existing loans), our standard fees and charges, and other important conditions and details,
see our ‘Regulated Products Disclaimer’ below.
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Specialist
Full Doc Rates -
Specialist
Alt Doc Rates
| Specialist Full Doc | Clear | Plus | Assist |
|---|---|---|---|
| ≤ 60% LVR | 9.34% p.a. | 10.85% p.a. | 11.44% p.a. |
| 60.01-65% LVR | 9.34% p.a. | 11.04% p.a. | 11.64% p.a. |
| 65.01-70% LVR | 9.69% p.a. | 11.24% p.a. | 11.89% p.a. |
| 70.01-75% LVR | 9.79% p.a. | 11.64% p.a. | 12.29% p.a. |
| 75.01-80% LVR | 9.89% p.a. | 12.44% p.a. | 13.24% p.a. |
| 80.01-85% LVR | 10.65% p.a. | 12.94% p.a. | 13.59% p.a. |
| 85.01-90% LVR | 11.69% p.a. | 13.94% p.a. | 14.59% p.a. |
| Specialist Alt Doc | Clear | Plus | Assist |
|---|---|---|---|
| ≤ 60% LVR | 9.84% p.a. | 11.35% p.a. | 11.94% p.a. |
| 60.01-65% LVR | 9.84% p.a. | 11.54% p.a. | 12.14% p.a. |
| 65.01-70% LVR | 10.19% p.a. | 11.74% p.a. | 12.39% p.a. |
| 70.01-75% LVR | 10.29% p.a. | 12.14% p.a. | 12.79% p.a. |
| 75.01-80% LVR | 10.39% p.a. | 12.94% p.a. | 13.74% p.a. |
| 80.01-85% LVR | 11.15% p.a. | 13.44% p.a. | 14.09% p.a. |
| 85.01-90% LVR | 12.19% p.a. | 14.44% p.a. | 15.09% p.a. |
Specialist Clear Full Doc 24 month fixed rate of 9.39%, and Specialist Clear Alt Doc 24 month fixed rate of 9.89%. Applies for Specialist Clear loans up to 80% LVR.
Specialist Investment Rates
An Establishment fee of 1.5% applies. For more important information, see our ‘Unregulated Products Disclaimer’ below.
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Specialist Investment Rates
| Variable | Fixed | |||||
|---|---|---|---|---|---|---|
| 1 year | 2 year | 3 year | 4 year | 5 year | ||
| ≤ 65% LVR* | 9.59% p.a. | 8.69% p.a. | 8.19% p.a. | 7.89% p.a. | 7.69% p.a. | 7.69% p.a. |
Regulated Products Disclaimer: All advertised interest rates are available for new eligible loans and are subject to change. Your interest rate may differ depending on borrower category, security use and how much you borrow relative to the value of your property. Terms and conditions apply to all loan features. Final approval is subject to credit assessment. Valuation fee is at the cost of the valuation. Annual fee $0. Application fee $399. Settlement fee $199. Discharge fee $250. Details about our products and our full interest rate disclosure for new and existing loans is set out in our Interest Rates Disclosure document. A schedule of our fees and charges is available on the Costs of Borrowing, Forms, and Terms page.
*Up to and including 70% LVR for eligible properties. Talk to a Resimac BDM to find out more or discuss a scenario. All advertised interest rates are available for new eligible loans and are subject to change without notice. The interest rate may differ depending on borrower category, security use and how much borrowed relative to the value of your property. Terms and conditions apply to all loan features. Final approval is subject to credit assessment.
*Up to and including 70% LVR for eligible properties. Talk to a Resimac BDM to find out more or discuss a scenario. All advertised interest rates are available for new eligible loans and are subject to change without notice. The interest rate may differ depending on borrower category, security use and how much borrowed relative to the value of your property. Terms and conditions apply to all loan features. Final approval is subject to credit assessment.
Regulated Products Disclaimer: All advertised interest rates are available for new eligible loans and are subject to change. Your interest rate may differ depending on borrower category, security use and how much you borrow relative to the value of your property. Terms and conditions apply to all loan features. Final approval is subject to credit assessment. Valuation fee is at the cost of the valuation. Annual fee $0. Application fee $399. Settlement fee $199. Discharge fee $250. Details about our products and our full interest rate disclosure for new and existing loans is set out in our Interest Rates Disclosure document. A schedule of our fees and charges is available on the Costs of Borrowing, Forms, and Terms page.
Unregulated Products Disclaimer: *Up to and including 70% LVR for eligible properties. Talk to a Resimac BDM to find out more or discuss a scenario. All advertised interest rates are available for new eligible loans and are subject to change without notice. The interest rate may differ depending on borrower category, security use and how much borrowed relative to the value of your property. Terms and conditions apply to all loan features. Final approval is subject to credit assessment.
Unregulated Products Disclaimer: *Up to and including 70% LVR for eligible properties. Talk to a Resimac BDM to find out more or discuss a scenario. All advertised interest rates are available for new eligible loans and are subject to change without notice. The interest rate may differ depending on borrower category, security use and how much borrowed relative to the value of your property. Terms and conditions apply to all loan features. Final approval is subject to credit assessment.
Full Doc variable product features
- No monthly fee.
- Nominate the repayment schedule to be weekly, fortnightly or monthly.
- Extra repayments and lump sum repayments can be made without any penalty.
- No limit on additional redraw repayments.
Specialist variable product features
- No monthly fee.
- Nominate the repayment schedule to be weekly, fortnightly or monthly.
- Extra repayments and lump sum repayments can be made without any penalty.
- No limit on additional redraw repayments.
Fixed product features
- Nominate the repayment schedule to be weekly, fortnightly or monthly.
- Borrowers are unable to make extra or lump sum repayments and redraw is not available..
Alt Doc product features
- Self-employed only – minimum 18 months.
- Fixed and or variable - Can split the loan up to 5 separate portions.
- Principal and Interest or Interest only.
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