Self-Employed home loans
Don't have traditional proof of income? We understand that your situation is a bit different. We can help even if you've only been trading for 6 months or if you're looking to get cash out for business purposes. We also have options for adverse credit scenarios.
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No monthly or annual fees
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Weekly, fortnightly or monthly payment reschedule
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Verify income with business bank statements, GST returns
or 12 months financial statements
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Online account access
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Borrow up to 80% of the value of the property
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For loans up to a maximum of $1.5m
Not all features available on all products. Please refer to product specs for additional information.
Do any of these apply to you?
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Trading for two years with financials up to date
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Trading for a few years, but financials are not up to date
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Business profitability has turned around
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Trading for a short time – as little as 6 months
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You operate under PAYE income through contracting
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 | 4.50%pa | 4.45%pa | 3.89%pa | 3.94%pa | 4.49%pa | 4.59%pa |
| 80-90% LVR | 4.90%pa | 4.85%pa | 4.29%pa | 4.34%pa | 5.05%pa | 5.18%pa |
| Full Doc Investment | Variable | Fixed | ||||
|---|---|---|---|---|---|---|
| 1 year | 2 year | 3 year | 4 year | 5 year | ||
| Under 70% LVR | 4.50%pa | 4.45%pa | 3.89%pa | 3.94%pa | 4.49%pa | 4.59%pa |
| 70-80% LVR | 4.90%pa | 4.85%pa | 4.29%pa | 4.34%pa | 5.05%pa | 5.18%pa |
Alt Doc Rates
| Alt Doc Rates | Variable | Fixed | ||||
|---|---|---|---|---|---|---|
| 1 year | 2 year | 3 year | 4 year | 5 year | ||
| Owner Occupied Under 80% | 4.84%pa | 4.99%pa | 4.64%pa | 4.69%pa | 4.99%pa | 5.09%pa |
| Investment Under 70% | 4.84%pa | 4.99%pa | 4.64%pa | 4.69%pa | 4.99%pa | 5.09%pa |
| Investment 70-80% | 5.24%pa | 5.39%pa | 5.04%pa | 5.09%pa | 5.39%pa | 5.49%pa |
Adverse Credit Rates
Adverse Full Doc Rates
Adverse Alt Doc Rates
| Adverse Full Doc | Clear | Plus | Assist |
|---|---|---|---|
| Under 60% LVR | 5.90%pa | 5.99%pa | 7.28%pa |
| 60-65% LVR | 5.99%pa | 6.19%pa | 7.66%pa |
| 65-70% LVR | 6.09%pa | 6.39%pa | 7.66%pa |
| 70-75% LVR | 6.29%pa | 6.69%pa | 8.51%pa |
| 75-80% LVR | 7.19%pa | 7.64%pa | 8.51%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 | 5.99%pa | 6.09%pa | 7.69%pa |
| 60-65% LVR | 6.19%pa | 6.39%pa | 8.20%pa |
| 65-70% LVR | 6.39%pa | 6.69%pa | 8.20%pa |
| 70-75% LVR | 6.69%pa | 7.09%pa | 9.31%pa |
| 75-80% LVR | 7.64%pa | 8.09%pa | 9.31%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 |
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