Does this sound like you?

  • Employed full-time, part-time or contract and earn a salary (PAYE) or are self-employed with full documentation.
  • Have a good work history and earn a strong income.
  • Have a good credit history.
  • Have good equity or savings (deposit).
  • Are looking for a higher loan amount than what other lenders may be willing to offer.
  • A New Zealand resident or citizen living and working in Australia, or an Australian resident/citizen looking to buy in New Zealand.

You may be a good candidate for a Resimac home loan.
A pragmatic approach to a classic mortgage, Resimac Prime (Full Doc) enables suitable PAYE or self-employed (with full documentation) applicants to borrow a more realistic amount than what other lenders may be willing to lend, to buy the property you deserve, now.
  • Loan use: Purchase, refinance, non-structural home improvements, debt consolidation, cash out, business purposes, investment or any other worthwhile purpose~.
  • Loan amount: Between $50,000 – $2,500,0002.
  • Minimum deposit: 20% (or 40% if living outside New Zealand).
  • Loan term: Between 10 to 30 years.
  • Repayment options: Principal & Interest and Interest Only1.
  • Minimum income documentation requirements+: For salaried (PAYE) employees, the most recent 90 day’s payslips and 90 days bank statements (bank statements not required from eligible applicants). For the self-employed, two-years full financials signed by a Chartered Accountant or qualified taxation specialist, GST registration if applicable, and one-month’s transactional business bank statement.

Why Resimac Prime Full Doc

  • Low mortgage-based interest rates.
  • Benchmarking, instead of transactional statements, used to assess serviceability when the applicant’s debt service ratio is deemed strong.
  • A pragmatic and human approach to assessment. We don’t auto assess, instead we look at applicants as individuals affording more flexibility.
  • Income from second jobs, commissions, bonuses, child support, rental income and self-employed/business income also accepted~.

What are the interest rates?

Because we base our interest rates on security – residential property – not purpose, we can always offer you really competitive rates.

How much can I borrow

Use your income and expenses to estimate how much you may be able to borrow for a home loan.

Home loan repayments calculator

Use our calculator to work out how much your repayments
may be on your home loan

We know getting a new home loan is a big financial commitment. That’s why, as residential property lending experts, we’re only going to charge you the fees we need to – to help make sure getting a loan is a less stressful experience. Assuming you don’t require any exceptional changes, these are the only fees and charges you’ll pay over the life of your loan. There’s nothing to hide here.

A full schedule of our fees and charges is available on the Costs of Borrowing, Forms, and Terms page.

See if you're eligible

Feel like this might be the right solution for you? Intrigued and want to know a little more?

Find out what you’re eligible to borrow with Resimac.

Talk to your adviser or mortgage broker or see if you’re eligible below.

Get in touch

We know getting a home loan is a big commitment. That’s why we have a great team of experts ready to walk you through the process or answer any of your questions or concerns.

They’re just a call away.
Disclaimer: (1) Up to 5 years for owner occupied purposes and up to 10 years for investment purposes. (2) Maximum loan amount limited to $1,000,000 for security in Group 2B locations. ~Terms, conditions, limits, exclusions and other criteria applies. (+) This is a guide on the minimum documents required to apply for the particular type of loan. Additional documents may be required and these will be requested on a case-by-case basis.
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