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
Owner Occupied Rates
Investment Rates
| Full Doc Owner Occupied | Variable | Fixed | ||||
|---|---|---|---|---|---|---|
| 1 year | 2 year | 3 year | 4 year | 5 year | ||
| Under 80% LVR | 3.49%pa | 3.45%pa | 3.39%pa | 3.69%pa | 3.79%pa | 3.89%pa |
| 80-90% LVR | 4.09%pa | 4.05%pa | 3.99%pa | 4.29%pa | 4.39%pa | 4.49%pa |
| Full Doc Investment | Variable | Fixed | ||||
|---|---|---|---|---|---|---|
| 1 year | 2 year | 3 year | 4 year | 5 year | ||
| Under 80% LVR | 3.49%pa | 3.45%pa | 3.39%pa | 3.69%pa | 3.79%pa | 3.89%pa |
Alt Doc Rates
| Alt Doc Rates | Variable | Fixed | ||||
|---|---|---|---|---|---|---|
| 1 year | 2 year | 3 year | 4 year | 5 year | ||
| Owner Occupied Under 80% | 4.19%pa | 4.15%pa | 4.09%pa | 4.39%pa | 4.49%pa | 4.59%pa |
| Investment Under 80% | 4.19%pa | 4.15%pa | 4.09%pa | 4.39%pa | 4.49%pa | 4.59%pa |
Adverse Credit Rates
Adverse Full Doc Rates
Adverse Alt Doc Rates
| Adverse Full Doc | Clear | Plus | Assist |
|---|---|---|---|
| Under 60% LVR | 4.99%pa | 5.94%pa | 6.04%pa |
| 60-65% LVR | 5.09%pa | 6.04%pa | 6.24%pa |
| 65-70% LVR | 5.19%pa | 6.19%pa | 6.49%pa |
| 70-75% LVR | 5.29%pa | 6.39%pa | 6.79%pa |
| 75-80% LVR | 5.59%pa | 7.24%pa | 7.69%pa |
| 80-85% LVR | 7.72%pa | 8.91%pa | 9.31%pa |
| 85-90% LVR | 7.82%pa | 9.01%pa | 9.41%pa |
| Adverse Alt Doc | Clear | Plus | Assist |
|---|---|---|---|
| Under 60% LVR | 5.39%pa | 6.04%pa | 6.14%pa |
| 60-65% LVR | 5.49%pa | 6.24%pa | 6.44%pa |
| 65-70% LVR | 5.59%pa | 6.49%pa | 6.79%pa |
| 70-75% LVR | 5.69%pa | 6.79%pa | 7.19%pa |
| 75-80% LVR | 5.74%pa | 7.69%pa | 8.14%pa |
| 80-85% LVR | 8.30%pa | 9.66%pa | 10.36%pa |
| 85-90% LVR | 8.40%pa | 9.76%pa | 10.46%pa |
Full Doc variable product features
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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
Adverse variable product features
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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
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Step down – automatic rate reduction after 12 months good repayment history
Fixed product features
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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
Why Resimac
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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
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