How can we help today?
Not sure where to start? No matter what you are looking to do we are here to help you understand your options.
Why Resimac?
Resimac is New Zealand's leading online home loan lender. Our team is focused on finding ways to help our customers achieve their goals with our wide range of competitively priced home loans.
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Established Lender
Resimac Group Ltd has been in operation since 1985 and in New Zealand since 2012.
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Customer Service
Experienced Lending Specialists who work with you to understand your situation.
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Quick Response
No need for appointments. You can get in touch with us today and we can get started.
Full Doc Rates
The rates set out below are available for new loans. More information about our interest rates for new and existing loans is contained in our Interest Rates Disclosure document.
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Full Doc Rates
| Owner Occupied & Investment (≤ 80% LVR) | Variable | Fixed | ||||
|---|---|---|---|---|---|---|
| 1 year | 2 year | 3 year | 4 year | 5 year | ||
| ≤ 80% LVR | 4.59%pa | 5.60%pa | 6.16%pa | 6.29%pa | 6.31%pa | 6.33%pa |
| 80.01-90% LVR (OO only) | 5.59%pa | 6.60%pa | 7.16%pa | 7.29%pa | 7.31%pa | 7.33%pa |
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.
Alt Doc Rates
The rates set out below are available for new loans. More information about our interest rates for new and existing loans is contained in our Interest Rates Disclosure document.
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Alt Doc Rates
| Owner Occupied and Investment | Variable | Fixed | ||||
|---|---|---|---|---|---|---|
| 1 year | 2 year | 3 year | 4 year | 5 year | ||
| ≤ 80% | 5.19%pa | 6.10%pa | 6.66%pa | 6.79%pa | 6.81%pa | 6.83%pa |
Specialist Full Doc and Specialist Alt Doc Rates
The rates set out below are available for new loans. More information about our interest rates for new and existing loans is contained in our Interest Rates Disclosure document.
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Specialist Full Doc Rates
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Specialist Alt Doc Rates
| Specialist Full Doc | Clear | Plus | Assist |
|---|---|---|---|
| ≤ 60% LVR | 5.09%pa | 6.60%pa | 7.19%pa |
| 60.01-65% LVR | 5.09%pa | 6.79%pa | 7.39%pa |
| 65.01-70% LVR | 5.44%pa | 6.99%pa | 7.64%pa |
| 70.01-75% LVR | 5.54%pa | 7.39%pa | 8.04%pa |
| 75.01-80% LVR | 5.64%pa | 8.19%pa | 8.99%pa |
| 80.01-85% LVR | 6.40%pa | 8.69%pa | 9.34%pa |
| 85.01-90% LVR | 7.44%pa | 9.69%pa | 10.34%pa |
| Specialist Alt Doc | Clear | Plus | Assist |
|---|---|---|---|
| ≤ 60% LVR | 5.59%pa | 7.10%pa | 7.69%pa |
| 60.01-65% LVR | 5.59%pa | 7.29%pa | 7.89%pa |
| 65.01-70% LVR | 5.94%pa | 7.49%pa | 8.14%pa |
| 70.01-75% LVR | 6.04%pa | 7.89%pa | 8.54%pa |
| 75.01-80% LVR | 6.14%pa | 8.69%pa | 9.49%pa |
| 80.01-85% LVR | 6.90%pa | 9.19%pa | 9.84%pa |
| 85.01-90% LVR | 7.94%pa | 10.19%pa | 10.84%pa |
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
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Nominate the repayment schedule to be weekly, fortnightly or monthly
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Extra repayments and lump sum repayments can be made without any penalty
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No limit on additional redraw repayments
Fixed product features
- Nominate the repayment schedule to be weekly, fortnightly or monthly.
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Borrowers are unable to make extra or lump sum repayments
and redraw is not available.
Alt Doc product features
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Self-employed only – minimum 18 months
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Fixed and or variable - Can split the loan up to 5 separate portions
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Principal and Interest or Interest only
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Established 1985
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Flexible lending policy
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Great loan features
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Broad product range
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Exclusive customer benefits
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Carbon Conscious
