Does this sound like you?

  • Self-employed and your business is currently trading well.
  • You need to, or would prefer to use alternate forms of income verification.
  • You don’t pay yourself a regular salary.
  • You’ve been operating your business for at least 18 months (If you’ve been operating for less than 18 months, see Resimac Reset ).
  • You’d like to buy, refinance, invest in your business or consolidate debt.

You may be a good candidate for a Resimac home loan.
A classic mortgage, but for the self-employed who need alternate forms of income verification. It offers affordable finance that can be used for a variety of needs including debt consolidation, business use and investment, as well as purchase and refinance.
  • 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 – $1,500,0002.
  • Minimum deposit: 20%.
  • Loan term: Between 10 to 30 years.
  • Interest Type: Fixed (Between one and five years) or Variable.
  • Repayment options: Principle & Interest and Interest Only1.
  • Minimum income documentation requirements+: An accountant’s verification letter; or the latest six-months’ GST returns and six month’s business bank statements; or, where GST exempt, the latest six months business bank statements.

Why Resimac Prime Alt Doc

  • Low mortgage-based interest rates.
  • Accepts alternate forms of income verification such as an accountant’s letter or business bank statements.
  • The focus is on their current or most recent financials and their current ability to service the loan. We don’t overly dwell on the past.
  • We take a pragmatic approach to assessment and help look for ways to make it happen.

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.
panel clost button

I'm a customer

Get access to your accounts online.

System maintenance
We are currently experiencing technical issues with CustomerZone.
Please email customerassist@resimac.co.nz for any urgent enquiries. During this time, your online account will not be accessible. We apologise for any inconvenience.

Adviser login

Get access to your accounts online.

Due to planned server maintenance, our log-in page will not be available on Sunday 29th May between 4:00am and 7:00am NZST.

We apologise for any inconvenience caused.