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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.

Wide range of home loan solutions

See if you qualify in less than 2 minutes.

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.

  • Owner Occupied Rates
  • Investment Rates
Full Doc Owner Occupied Variable Fixed
1 year 2 year 3 year 4 year 5 year
Under 70% LVR 3.39%pa 3.54%pa 3.89%pa 4.09%pa 4.19%pa 4.29%pa
70-80% LVR 3.49%pa 3.54%pa 3.89%pa 4.09%pa 4.19%pa 4.29%pa
80-90% LVR 4.09%pa 4.54%pa 4.89%pa 5.09%pa 5.19%pa 5.29%pa
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Full Doc Investment Variable Fixed
1 year 2 year 3 year 4 year 5 year
Under 70% LVR 3.39%pa 3.54%pa 3.89%pa 4.09%pa 4.19%pa 4.29%pa
70-80% LVR 3.49%pa 3.54%pa 3.89%pa 4.09%pa 4.19%pa 4.29%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. Valuation fee is at the cost of the valuation. Annual fee $0. Settlement fee $475. Discharge fee $495. 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.

  • 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 4.29%pa 4.39%pa 4.59%pa 4.69%pa 4.79%pa
Investment Under 80% 4.19%pa 4.29%pa 4.39%pa 4.59%pa 4.69%pa 4.79%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. Valuation fee is at the cost of the valuation. Annual fee $0. Settlement fee $475. Discharge fee $495. 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.

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.

  • Specialist Full Doc Rates
  • Specialist Alt Doc Rates
Specialist Full Doc Clear Plus Assist
Under 60% LVR 3.84%pa 5.35%pa 5.94%pa
60-65% LVR 3.89%pa 5.54%pa 6.14%pa
65-70% LVR 4.19%pa 5.74%pa 6.39%pa
70-75% LVR 4.29%pa 6.15%pa 6.69%pa
75-80% LVR 4.44%pa 6.94%pa 7.59%pa
80-85% LVR 5.15%pa 7.44%pa 8.09%pa
85-90% LVR 6.19%pa 8.44%pa 9.09%pa
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Specialist Alt Doc Clear Plus Assist
Under 60% LVR 5.15%pa 5.54%pa 6.04%pa
60-65% LVR 5.15%pa 5.74%pa 6.34%pa
65-70% LVR 5.45%pa 5.99%pa 6.69%pa
70-75% LVR 5.59%pa 6.39%pa 7.09%pa
75-80% LVR 5.69%pa 7.10%pa 8.04%pa
80-85% LVR 5.99%pa 7.89%pa 8.86%pa
85-90% LVR 6.99%pa 8.89%pa 9.49%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. Valuation fee is at the cost of the valuation. Annual fee $0. Settlement fee $475. Discharge fee $495. 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.

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
  • 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

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 

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