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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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Wide range of home loan solutions

See if you qualify in less than 2 minutes.

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
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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
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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
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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
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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
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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. Application fee of $0. Valuation fee is at the cost of the valuation. Annual fee $0. Settlement fee $475. Discharge fee $495.

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

Adverse 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

  • Step down – automatic rate reduction after 12 months good repayment history

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

Why Resimac

  • Established 1985
     
  • Flexible lending policy
     
  • Great loan features
     
 
  • Broad product range
     
  • Exclusive customer benefits
     
  • Carbon Conscious
     

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