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?
Resimac home loan rates are in the live table on this page, ranked by comparison rate, with the lowest variable rate currently 6.39% p.a., checked daily (last verified 11 Sept 2026). 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?
The lowest Resimac variable home loan rate Ratesniffers tracks is 6.39% p.a. These figures come from the 142 Resimac products on this page, ranked by comparison rate, checked daily (last verified 11 Sept 2026).
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. 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.
142 Resimac home loan products
No active products surfaced. This lender may have paused new lending or recently been removed from our index, check back tomorrow.
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 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 4 Sept 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?
Resimac home loan rates are in the live table on this page. The lowest variable rate Ratesniffers ranks is currently 6.39% p.a., checked daily (last verified 11 Sept 2026). Compare Resimac against the wider market at /home-loans. The /guides/comparison-rate explains the fee-inclusive figure used to rank the table. To model extra payments on a Resimac balance, use /calculators/extra-repayment.
What is the lowest Resimac home loan rate?
Resimac's lowest variable home loan rate is currently 6.39% p.a., based on the 142 Resimac products Ratesniffers ranks by comparison rate, checked daily (last verified 11 Sept 2026). The advertised rate isn't always the rate Resimac approves, a broker can often negotiate a sharper deal on your scenario.
What is the monthly repayment on a $600,000 Resimac home loan?
At Resimac's lowest variable rate of 6.39% p.a., a $600,000 principal and interest loan over 30 years repays about $3,749 a month, and $500,000 about $3,124. That is an estimate at the advertised rate before fees; the comparison rate in the table above carries the fees, and a fixed or interest-only loan repays differently.
How much do you need to earn for a $500,000 Resimac home loan?
There is no single salary. Like every Australian lender, Resimac must assess a new home loan at a rate at least 3 percentage points above the loan's rate under APRA's serviceability buffer, so 6.39% p.a. is assessed at about 9.39% p.a., then test that repayment against income after living expenses and other debts. The income required calculator at /calculators/income-required works this backwards from a property price and deposit.
How does Resimac's home loan rate compare to the market?
Resimac's lowest variable home loan rate today is 6.39% p.a., which is 15 basis points above the market median of 6.24% 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 142 Resimac home loan products across variable, fixed and interest-only options for owner-occupiers and investors. 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.
How often are Resimac's home loan rates updated?
Ratesniffers refreshes Resimac's home loan rates daily; this page was last updated 11 Sept 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.
