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Resimac home loans
Resimac is a non-bank lender that’s been operating since 1985. In 2016, the business merged with specialised Australian mortgage provider, Homeloans.com.au.
Resimac is an ASX-listed lender that focuses on providing a broad range of home loans, an exclusive customer benefits program, and a network of over 12,000 broker partners.
Resimac doesn’t have traditional branches, but has a number of satellite sales offices nationwide. Resimac is also a Carbon Conscious lender and plants a tree for every settled home loan.
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Why choose Resimac
Resimac Home Loans
Loan amount
Minimum deposit
Loan type & Term
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6.39%
6.69%
$1,864
Australian Credit Licence 247829
Fees & charges apply
Resimac Prime
- Owner Occupied
- Variable
- 30% min deposit
- Interest Only
6.69%
6.72%
$2,405
Australian Credit Licence 247829
Fees & charges apply
Resimac Prime
- Owner Occupied
- Variable
- 30% min deposit
- P&I
6.69%
6.72%
$1,951
Australian Credit Licence 247829
Fees & charges apply
Resimac Prime
- Owner Occupied
- Variable
- 30% min deposit
- Interest Only
6.49%
6.79%
$1,893
Australian Credit Licence 247829
Fees & charges apply
Resimac Prime
- Owner Occupied
- Variable
- 20% min deposit
- Interest Only
6.49%
6.79%
$2,361
Australian Credit Licence 247829
Fees & charges apply
Resimac Prime
- Owner Occupied
- Variable
- 20% min deposit
- P&I
6.79%
6.82%
$2,427
Australian Credit Licence 247829
Fees & charges apply
Resimac Prime
- Owner Occupied
- Variable
- 20% min deposit
- P&I
6.79%
6.82%
$1,980
Australian Credit Licence 247829
Fees & charges apply
Resimac Prime
- Owner Occupied
- Variable
- 20% min deposit
- Interest Only
6.59%
6.89%
$1,922
Australian Credit Licence 247829
Fees & charges apply
Resimac Prime
- Investor
- Variable
- 30% min deposit
- Interest Only
6.59%
6.89%
$2,383
Australian Credit Licence 247829
Fees & charges apply
Resimac Prime
- Investor
- Variable
- 30% min deposit
- P&I
6.89%
6.92%
$2,449
Australian Credit Licence 247829
Fees & charges apply
Resimac Prime
- Investor
- Variable
- 30% min deposit
- P&I
6.89%
6.92%
$2,010
Australian Credit Licence 247829
Fees & charges apply
Resimac Prime
- Investor
- Variable
- 30% min deposit
- Interest Only
6.69%
6.98%
$2,405
Australian Credit Licence 247829
Fees & charges apply
Resimac Prime
- Investor
- Variable
- 20% min deposit
- P&I
Home Loans calculator
Use our home loan calculator to see how much you’d have to repay under different borrowing scenarios.
Your estimated mortgage repayments
Total interest
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Total repayments
$0
- All calculations are estimates only; they are not guarantees, pre-qualifications or pre-approvals for borrowing. All results are based solely upon the data entered into the calculator.
- It is assumed that data entered into the calculator, including interest rates, do not change for the lifetime of the loan - unless specified.
- The Present Value provided by this calculator is displayed as the amount labelled 'Loan amount'.
- At the end of the interest-only period, the rate may change. For this calculation, rate switches to the current rate.
- The current rate is today’s average big 4 owner occupier advertised discounted variable rate (LVR 80%), unless you have inserted your own rate.
- Interest is calculated by compounding on the same frequency as the repayment selected, i.e. weekly, fortnightly or monthly.
- Months are assumed to be of equal length. However, given some months are longer than others, interest charged may vary depending upon the month.
- One year is assumed to contain exactly 52 weeks or 26 fortnights. Thus each year has 364 days.
- The calculator uses the unrounded repayment to derive the home loan summary line graph and repayment schedule. However, institutions may round repayments to the nearest cent.
- Your final mortgage repayments or borrowing amount will depend on your lender’s eligibility criteria among other factors.
- Calculator does not include the cost of fees or other extra charges.
- Calculator does not account for changes to interest rates over time.
- This calculator is for information purposes only. Any advice is general and has not taken into account your personal circumstances. Consider whether you need financial advice from a qualified adviser.
- After the interest only term ends, your repayments will change based on the current* interest rate. This rate is subject to change. Read our full disclaimer.
Contact a mortgage broker
Resimac homeloans are vailable through brokers who can help find the right loan and manage your application at no charge.
Tony Ngo
Get expert advice from a home loans specialist.
Hi, I'm Tony, a 29-year-old finance broker with 3 years of experience in the industry. I hold a Bachelor of Business deg...
John Molloy
Get expert advice from a home loans specialist.
I am an experienced mortgage broker with 6 years experience and an additional 37 years in banking and finance. I pride...
Henry Vong
Get expert advice from a home loans specialist.
A relationship focussed financier. Started out supporting first home buyers , investors, self employed and bussiness own...
Resimac customer service
Resimac home loan customers can contact customer support through the contact centre, email or the online enquiry form. For loan application enquiries, Resimac can put you in touch with a local mobile loans consultant.
- Customer service centre (phone)
- Online banking
- Branch
- Mobile banking staff
How to apply for a Resimac home loan
Borrowers wanting to apply for a Resimac home loan can either complete a secure online loan application form, download an application form to print, or call through to the contact centre for more support.
Before applying for a Resimac home loan, calculate what you can afford to borrow and what other costs you need to consider.
To apply for a Resimac home loan, you will need to supply the following:
- Proof of identity e.g. driver’s license
- Proof of income e.g. last two payslips, or last two , tax returns if you’re self-employed
- Three months of savings history, credit card statements and bank account statements
Resimac home loans review
Because Resimac doesn’t operate traditional bank branches, potential customers will need to contact Resimac directly or go through a broker to apply for a home loan or manage their mortgage.
Resimac offers home loans for owner occupiers and investors. Alt Doc home loans are also available for non-traditional borrowers, such as self-employed Australians and credit-impaired borrowers. You’ll have the option of making principal and interest or interest-only repayments with a Resimac home loan. Resimac’s interest rates tend to be lowest for owner occupiers paying principal and interest, with a low LVR.
It’s possible to borrow up to 95% of the property’s value with a Resimac home loan, though you may need to pay LMI. Borrowers with small deposits may be able to apply for a Resimac home loan with help from a guarantor to secure their loan with the value of their own property.
Some Resimac home loans are available with no annual fee, though you may have the option to pay an annual fee in exchange for a lower interest rate.
Offset accounts and redraw facilities are available with some Resimac home loan options.
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^Words such as "top", "best", "cheapest" or "lowest" are not a recommendation or rating of products. This page compares a range of products from selected providers and not all products or providers are included in the comparison. There is no such thing as a 'one- size-fits-all' financial product. The best loan, credit card, superannuation account or bank account for you might not be the best choice for someone else. Before selecting any financial product you should read the fine print carefully, including the product disclosure statement, target market determination fact sheet or terms and conditions document and obtain professional financial advice on whether a product is right for you and your finances.