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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
Home Loans calculator
Use our home loan calculator to see how much you’d have to repay under different borrowing scenarios.
Contact a mortgage broker
Resimac home loans are available through brokers who can help find the right loan and manage your application at no charge.
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I'm Ben, and I've been immersed in the world of mortgage broking since 2007. Over the years, I've had the privilege of w...
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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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