Adverse Credit (Specialist) home loans

Life can sometimes throw up challenges that cause people to struggle financially. This doesn't mean there aren't home loan options for you if your past history is less than perfect. We have home loans that take your situation into consideration and can help you move on with your life.

 
  • No monthly or annual fees

  • Weekly, fortnightly or monthly payment reschedule

  • Interest rate reductions based on satisfactory repayments

  • For loans up to a maximum of $1.5m

  • Online account access

  • Customer benefits program with discounts on goods and services

Not all features available on all products. Please refer to product specs for additional information.

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Wide range of home loan solutions

See if you qualify in less than 2 minutes.

Key features of a
Adverse Clear home loan

  • We ignore defaults and judgements listed for less than $1,000, defaults and judgements listed as paid for more than 2 years

  • We accept discharged bankrupt borrowers

  • Cash out available for a range of purposes, including business use and payment of tax debts

  • Unlimited number of debts being consolidated to 80% LVR

Key features of
Adverse Plus and Assist home loans

  • We ignore defaults and judgements listed for less than $1,000, defaults and judgements listed as paid for more than 2 years

  • We accept discharged bankrupt borrowers

  • Cash out available for a range of purposes, including business use and payment of tax debts

  • Unlimited number of debts being consolidated to 80% LVR

  • We accept unlimited mortgage arrears and unlimited defaults and judgements

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
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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
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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.

Why Resimac

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

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