Resimac lifted its variable home-loan rates by 0.25 percentage points from 9 October 2026, Ratesniffers records. Every lender's date is in the RBA rate pass-through tracker.
Tracked products
142
Variable product example
6.74%
A verified Resimac product example is Resimac Prime Flex 70% - 80% LVR Owner Occupied P&I: 6.74% p.a. (7.01% comparison rate), variable, for an owner-occupier principal-and-interest loan at 80% LVR (listed LVR band 70% to 80%), as of 20 October 2026. This is a selected example, not every product or a personalised offer. WARNING: This comparison rate applies only to the example or examples given. Different amounts and terms will result in different comparison rates. Costs such as redraw fees or early repayment fees, and cost savings such as fee waivers, are not included in the comparison rate but may influence the cost of the loan. The comparison rate displayed is based on a loan of $150,000 over a term of 25 years.
Fixed product example
—
Check the product rates and conditions in the table. A verified example for this loan scenario is unavailable.
Variable example comparison
7.01%
A verified Resimac product example is Resimac Prime Flex 70% - 80% LVR Owner Occupied P&I: 6.74% p.a. (7.01% comparison rate), variable, for an owner-occupier principal-and-interest loan at 80% LVR (listed LVR band 70% to 80%), as of 20 October 2026. This is a selected example, not every product or a personalised offer. WARNING: This comparison rate applies only to the example or examples given. Different amounts and terms will result in different comparison rates. Costs such as redraw fees or early repayment fees, and cost savings such as fee waivers, are not included in the comparison rate but may influence the cost of the loan. The comparison rate displayed is based on a loan of $150,000 over a term of 25 years.
Last updated
1 November 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 are Resimac home loan rates?
Ratesniffers compares Resimac home loan products by comparison rate. A verified Resimac product example is Resimac Prime Flex 70% - 80% LVR Owner Occupied P&I: 6.74% p.a. (7.01% comparison rate), variable, for an owner-occupier principal-and-interest loan at 80% LVR (listed LVR band 70% to 80%), as of 20 October 2026. This is a selected example, not every product or a personalised offer. WARNING: This comparison rate applies only to the example or examples given. Different amounts and terms will result in different comparison rates. Costs such as redraw fees or early repayment fees, and cost savings such as fee waivers, are not included in the comparison rate but may influence the cost of the loan. The comparison rate displayed is based on a loan of $150,000 over a term of 25 years. Compare Resimac against the wider market on home loan rates, check the comparison rate used to rank the table, or model extra payments with the extra repayments calculator.
What is the lowest Resimac home loan rate?
A verified Resimac product example is Resimac Prime Flex 70% - 80% LVR Owner Occupied P&I: 6.74% p.a. (7.01% comparison rate), variable, for an owner-occupier principal-and-interest loan at 80% LVR (listed LVR band 70% to 80%), as of 20 October 2026. This is a selected example, not every product or a personalised offer. WARNING: This comparison rate applies only to the example or examples given. Different amounts and terms will result in different comparison rates. Costs such as redraw fees or early repayment fees, and cost savings such as fee waivers, are not included in the comparison rate but may influence the cost of the loan. The comparison rate displayed is based on a loan of $150,000 over a term of 25 years. These selected examples do not establish the lowest rate across every product or borrower scenario.
How many home loan products does Resimac offer?
Ratesniffers currently tracks 142 Resimac home loan products across variable, fixed and interest-only options for owner-occupiers and investors, and ranks the 60 that pass our data-quality checks on this page. 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.
Resimac home loan rates at a glance
Product type
Rate
Comparison rate
Max LVR
Variable Owner-occupier interest-only
6.64% p.a.
n/a
70%
Variable Owner-occupier interest-only
6.74% p.a.
n/a
80%
Variable Investor interest-only
6.84% p.a.
n/a
70%
Variable Owner-occupier P&I
6.64% p.a.
6.91% p.a.
70%
Variable Investor interest-only
6.94% p.a.
n/a
80%
Variable Owner-occupier interest-only
6.94% p.a.
n/a
70%
Variable Owner-occupier P&I
6.94% p.a.
n/a
70%
Variable Owner-occupier P&I
6.74% p.a.
7.01% p.a.
80%
Variable Owner-occupier interest-only
7.04% p.a.
n/a
80%
Variable Owner-occupier P&I
7.04% p.a.
n/a
80%
Variable Investor P&I
6.84% p.a.
7.11% p.a.
70%
Variable Investor interest-only
7.14% p.a.
n/a
90%
60 of 142 tracked Resimac home loan products
ResimacResimac Prime Flex <70% LVR Owner Occupied IO
Average monthly interest assuming that balance and rate stay unchanged, excluding fees and offsets. Amounts can vary by month because lenders may calculate interest daily; later repayments may differ.
ResimacResimac Prime Flex 70% - 80% LVR Owner Occupied IO
Average monthly interest assuming that balance and rate stay unchanged, excluding fees and offsets. Amounts can vary by month because lenders may calculate interest daily; later repayments may differ.
Average monthly interest assuming that balance and rate stay unchanged, excluding fees and offsets. Amounts can vary by month because lenders may calculate interest daily; later repayments may differ.
ResimacResimac Prime Flex <70% LVR Owner Occupied P&I
Average monthly interest assuming that balance and rate stay unchanged, excluding fees and offsets. Amounts can vary by month because lenders may calculate interest daily; later repayments may differ.
ResimacResimac Prime Standard <70% LVR Owner Occupied IO
Average monthly interest assuming that balance and rate stay unchanged, excluding fees and offsets. Amounts can vary by month because lenders may calculate interest daily; later repayments may differ.
ResimacResimac Prime Standard <70% LVR Owner Occupied P&I
Average monthly interest assuming that balance and rate stay unchanged, excluding fees and offsets. Amounts can vary by month because lenders may calculate interest daily; later repayments may differ.
ResimacResimac Prime Standard 70% - 80% LVR Owner Occupied P&I
Average monthly interest assuming that balance and rate stay unchanged, excluding fees and offsets. Amounts can vary by month because lenders may calculate interest daily; later repayments may differ.
ResimacResimac Prime Standard <70% LVR Investment IO
Average monthly interest assuming that balance and rate stay unchanged, excluding fees and offsets. Amounts can vary by month because lenders may calculate interest daily; later repayments may differ.
ResimacResimac Prime Standard <70% LVR Investment P&I
Average monthly interest assuming that balance and rate stay unchanged, excluding fees and offsets. Amounts can vary by month because lenders may calculate interest daily; later repayments may differ.
ResimacResimac Prime Standard 70% - 80% LVR Investment P&I
Average monthly interest assuming that balance and rate stay unchanged, excluding fees and offsets. Amounts can vary by month because lenders may calculate interest daily; later repayments may differ.
ResimacResimac Prime Alt Doc <70% LVR Owner Occupied P&I
Average monthly interest assuming that balance and rate stay unchanged, excluding fees and offsets. Amounts can vary by month because lenders may calculate interest daily; later repayments may differ.
ResimacResimac Prime Standard 80% - 90% LVR Investment IO
Average monthly interest assuming that balance and rate stay unchanged, excluding fees and offsets. Amounts can vary by month because lenders may calculate interest daily; later repayments may differ.
ResimacResimac Prime Standard 80% - 90% LVR Investment P&I
Average monthly interest assuming that balance and rate stay unchanged, excluding fees and offsets. Amounts can vary by month because lenders may calculate interest daily; later repayments may differ.
ResimacResimac Prime Alt Doc 70% - 80% LVR Owner Occupied P&I
Average monthly interest assuming that balance and rate stay unchanged, excluding fees and offsets. Amounts can vary by month because lenders may calculate interest daily; later repayments may differ.
ResimacResimac Prime Standard 90% - 95% LVR Investment P&I
Average monthly interest assuming that balance and rate stay unchanged, excluding fees and offsets. Amounts can vary by month because lenders may calculate interest daily; later repayments may differ.
ResimacResimac Prime Alt Doc <70% LVR Investment P&I
Average monthly interest assuming that balance and rate stay unchanged, excluding fees and offsets. Amounts can vary by month because lenders may calculate interest daily; later repayments may differ.
ResimacResimac Prime Alt Doc 70% - 80% LVR Investment P&I
Average monthly interest assuming that balance and rate stay unchanged, excluding fees and offsets. Amounts can vary by month because lenders may calculate interest daily; later repayments may differ.
Average monthly interest assuming that balance and rate stay unchanged, excluding fees and offsets. Amounts can vary by month because lenders may calculate interest daily; later repayments may differ.
Average monthly interest assuming that balance and rate stay unchanged, excluding fees and offsets. Amounts can vary by month because lenders may calculate interest daily; later repayments may differ.
ResimacResimac Specialist Clear Alt Doc <70% LVR Owner Occupied P&I
Average monthly interest assuming that balance and rate stay unchanged, excluding fees and offsets. Amounts can vary by month because lenders may calculate interest daily; later repayments may differ.
Average monthly interest assuming that balance and rate stay unchanged, excluding fees and offsets. Amounts can vary by month because lenders may calculate interest daily; later repayments may differ.
Average monthly interest assuming that balance and rate stay unchanged, excluding fees and offsets. Amounts can vary by month because lenders may calculate interest daily; later repayments may differ.
ResimacResimac Prime Alt Doc 80% - 85% LVR Investment P&I
Average monthly interest assuming that balance and rate stay unchanged, excluding fees and offsets. Amounts can vary by month because lenders may calculate interest daily; later repayments may differ.
Average monthly interest assuming that balance and rate stay unchanged, excluding fees and offsets. Amounts can vary by month because lenders may calculate interest daily; later repayments may differ.
ResimacResimac Specialist Clear Alt Doc <70% LVR Investment P&I
Average monthly interest assuming that balance and rate stay unchanged, excluding fees and offsets. Amounts can vary by month because lenders may calculate interest daily; later repayments may differ.
Average monthly interest assuming that balance and rate stay unchanged, excluding fees and offsets. Amounts can vary by month because lenders may calculate interest daily; later repayments may differ.
ResimacResimac Prime Alt Doc 85% - 90% LVR Investment P&I
Average monthly interest assuming that balance and rate stay unchanged, excluding fees and offsets. Amounts can vary by month because lenders may calculate interest daily; later repayments may differ.
ResimacResimac Specialist Plus <70% LVR Owner Occupied P&I
*Important Information and Comparison Rate Warning
WARNING: This comparison rate applies only to the example or examples given. Different amounts and terms will result in different comparison rates. Costs such as redraw fees or early repayment fees, and cost savings such as fee waivers, are not included in the comparison rate but may influence the cost of the loan. The comparison rate displayed is based on a loan of $150,000 over a term of 25 years.
The information provided on this site is general in nature and does not take into account your objectives, financial situation or needs. Before acting on any information, consider whether it is appropriate for you and read the relevant Credit Guide and lender disclosures.
Resimac home loan repayment calculator
The starting interest input uses this selected Resimac product example: Resimac Prime Flex 70% - 80% LVR Owner Occupied P&I: 6.74% p.a. (7.01% comparison rate), variable, for an owner-occupier principal-and-interest loan at 80% LVR (listed LVR band 70% to 80%), as of 20 October 2026. Change the loan amount, rate or term to model your own mortgage. Repayments are principal and interest estimates, assume the entered rate remains unchanged, and exclude fees. Changes to these inputs do not establish product eligibility or approval.
WARNING: This comparison rate applies only to the example or examples given. Different amounts and terms will result in different comparison rates. Costs such as redraw fees or early repayment fees, and cost savings such as fee waivers, are not included in the comparison rate but may influence the cost of the loan. The comparison rate displayed is based on a loan of $150,000 over a term of 25 years.
The amount you want to borrow.
Use the interest rate, not the comparison rate. Change it to model an actual offer or your own scenario.
Use the term in your offer or choose the number of years to model.
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 fees, offset and limits at a glance
Application or establishment fee
$0
Discharge fee
$300
Settlement fee
$199
Additional valuation fee
$330
Loan portability
Available
Offset account
100%
Minimum offset balance
$1
Lenders mortgage insurer
Helia
Capitalising LMI
95% LVR including capitalised LMI
Maximum total lending
$5m
Checked 8 Oct 2026. Lender fees and policy change without notice, so confirm the detail with the lender before you apply.
Resimac home loans: frequently asked questions
What are Resimac home loan rates?
Ratesniffers compares Resimac home loan products by comparison rate. A verified Resimac product example is Resimac Prime Flex 70% - 80% LVR Owner Occupied P&I: 6.74% p.a. (7.01% comparison rate), variable, for an owner-occupier principal-and-interest loan at 80% LVR (listed LVR band 70% to 80%), as of 20 October 2026. This is a selected example, not every product or a personalised offer. WARNING: This comparison rate applies only to the example or examples given. Different amounts and terms will result in different comparison rates. Costs such as redraw fees or early repayment fees, and cost savings such as fee waivers, are not included in the comparison rate but may influence the cost of the loan. The comparison rate displayed is based on a loan of $150,000 over a term of 25 years. Compare Resimac at /home-loans. The /guides/comparison-rate explains the fee-inclusive figure used to rank the table. To model extra payments, use /calculators/extra-repayment.
What is the lowest Resimac home loan rate?
A verified Resimac product example is Resimac Prime Flex 70% - 80% LVR Owner Occupied P&I: 6.74% p.a. (7.01% comparison rate), variable, for an owner-occupier principal-and-interest loan at 80% LVR (listed LVR band 70% to 80%), as of 20 October 2026. This is a selected example, not every product or a personalised offer. WARNING: This comparison rate applies only to the example or examples given. Different amounts and terms will result in different comparison rates. Costs such as redraw fees or early repayment fees, and cost savings such as fee waivers, are not included in the comparison rate but may influence the cost of the loan. The comparison rate displayed is based on a loan of $150,000 over a term of 25 years. These selected examples do not establish the lowest rate across every product or borrower scenario.
What is the monthly repayment on a $600,000 Resimac home loan?
For a hypothetical $600,000 principal-and-interest loan over 30 years, keeping this variable interest rate unchanged gives about $3,888 a month before fees. The selected source example is Resimac Prime Flex 70% - 80% LVR Owner Occupied P&I: 6.74% p.a. (7.01% comparison rate), variable, for an owner-occupier principal-and-interest loan at 80% LVR (listed LVR band 70% to 80%), as of 20 October 2026. Variable rates can change; this calculation does not establish eligibility or approval. WARNING: This comparison rate applies only to the example or examples given. Different amounts and terms will result in different comparison rates. Costs such as redraw fees or early repayment fees, and cost savings such as fee waivers, are not included in the comparison rate but may influence the cost of the loan. The comparison rate displayed is based on a loan of $150,000 over a term of 25 years. Use /calculators/repayment to model your own amount and term.
How much do you need to earn for a $500,000 Resimac home loan?
There is no single salary requirement for a Resimac home loan. The lender assesses income, expenses, debts and repayment capacity. APRA's residential mortgage framework generally requires governed authorised deposit-taking institutions to apply a minimum 3 percentage point buffer above the payable interest rate, ignoring temporary introductory discounts, with prudent limited policy exceptions. This does not establish Resimac's actual assessment rate or approval criteria. Confirm the applicable lender policy and use /calculators/income-required for an illustrative estimate, not approval.
How does Resimac's home loan rate compare to the market?
A verified Resimac product example is Resimac Prime Flex 70% - 80% LVR Owner Occupied P&I: 6.74% p.a. (7.01% comparison rate), variable, for an owner-occupier principal-and-interest loan at 80% LVR (listed LVR band 70% to 80%), as of 20 October 2026. Across 30 covered listed lenders, the median advertised interest rate of one selected owner-occupier principal-and-interest variable example per lender at 80% LVR is 6.44% p.a., as of 20 October 2026. This describes those selected examples, not the whole market or rates approved for borrowers. WARNING: This comparison rate applies only to the example or examples given. Different amounts and terms will result in different comparison rates. Costs such as redraw fees or early repayment fees, and cost savings such as fee waivers, are not included in the comparison rate but may influence the cost of the loan. The comparison rate displayed is based on a loan of $150,000 over a term of 25 years.
How many home loan products does Resimac offer?
Ratesniffers currently tracks 142 Resimac home loan products across variable, fixed and interest-only options for owner-occupiers and investors, and ranks the 60 that pass our data-quality checks on this page. Every rate is checked daily against each lender's current published pricing 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?
Compare Resimac's available product conditions and total costs with your existing loan. A listed rate does not establish refinance eligibility. Allow for discharge, establishment and any fixed-loan early repayment costs, and confirm applicable lender terms before switching. Compare the table with /home-loans/refinance.
How often are Resimac's home loan rates updated?
Ratesniffers refreshes Resimac's home loan rates daily; this page was last updated 1 November 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.
