Resimac Home Loan Rates

Active products

Lowest variable

6.14%

Lowest fixed

—

Lowest comparison

6.44%

Last updated

28 July 2026

Resimac Group is an ASX-listed non-bank lender headquartered in Sydney, originating prime, near-prime and specialist home loans funded via residential mortgage-backed securities. Its Prime, Alt Doc and Specialist tiers serve PAYG, self-employed and credit-impaired borrowers respectively, settled through both direct-to-consumer and third-party channels.

What is the lowest Resimac home loan rate?

The lowest Resimac variable home loan rate Ratesniffers tracks is 6.14% p.a. These figures come from the 6 Resimac products on this page, ranked by comparison rate, refreshed daily (last updated 28 July 2026).

How many home loan products does Resimac offer?

Ratesniffers currently tracks 6 Resimac home loan products across variable, fixed and interest-only options for owner-occupiers and investors. Every rate is ranked by comparison rate, the ASIC-mandated figure that folds in most fees, so the genuinely cheapest products sit at the top.

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Who is Resimac?

Resimac is one of Australia's original non-bank lenders and a pioneer of the residential mortgage-backed securities market that funds it, with close to $50 billion issued since the late 1980s. It is ASX-listed and lends across prime and specialist tiers.

Its prime pricing regularly competes with the digital banks, while its specialist tiers cover self-employed and credit-repair scenarios the banks decline.

Who suits a Resimac home loan?

Resimac tends to suit two quite different borrowers: rate-hunters with clean files who find its prime products near the top of comparison tables, and self-employed or credit-impaired applicants who need its specialist tiers. Check which tier you'd actually be offered, and compare the comparison rate against the table above.

Background facts checked 21 July 2026. Rates above refresh independently.

Resimac home loans: frequently asked questions

What is the lowest Resimac home loan rate?

Resimac's lowest variable home loan rate is currently 6.14% p.a., based on the 6 Resimac products Ratesniffers ranks by comparison rate, refreshed daily (last updated 28 July 2026). The advertised rate isn't always the rate Resimac approves, a broker can often negotiate a sharper deal on your scenario.

How does Resimac's home loan rate compare to the market?

Resimac's lowest variable home loan rate today is 6.14% p.a., which is 5 basis points above the market median of 6.09% p.a., so there are sharper variable rates available elsewhere today, and it's worth comparing or asking Resimac to match a lower rate. This is computed daily from the live rates across the lenders Ratesniffers tracks, so it reflects where Resimac sits right now rather than a fixed snapshot.

How many home loan products does Resimac offer?

Ratesniffers currently tracks 6 Resimac home loan products across variable, fixed and interest-only options for owner-occupiers and investors. Every rate is refreshed daily and ranked by comparison rate, the ASIC-mandated figure that folds in most fees, so the genuinely cheapest loans sit at the top.

Is Resimac competitive for refinancing?

It depends on your loan size and LVR. Resimac's lowest comparison rate is currently 6.44% p.a., worth checking against the wider market before you switch. On a $500,000 loan, even a 0.30% p.a. difference is about $100 a month, so comparing Resimac against the sharpest available rate usually pays off.

How often are Resimac's home loan rates updated?

Ratesniffers refreshes Resimac's home loan rates daily; this page was last updated 28 July 2026. Rates can change whenever Resimac reprices or the RBA moves the cash rate, so the figures shown reflect the most recent data we hold rather than a static snapshot.

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