Resimac Home Loan Rates
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.
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.
Check the product rates and conditions in the table. A verified example for this loan scenario is unavailable.
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.
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 8 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 | Max LVR |
|---|---|---|
| Variable Owner-occupier P&I | 10.34% p.a. | 85% |
| Variable Investor interest-only | 10.34% p.a. | 80% |
| Variable Investor P&I | 10.34% p.a. | 80% |
| Variable Owner-occupier P&I | 10.54% p.a. | 85% |
| Variable Investor interest-only | 10.64% p.a. | 85% |
| Variable Investor P&I | 10.64% p.a. | 85% |
| Variable Investor interest-only | 10.84% p.a. | 85% |
| Variable Investor P&I | 10.84% p.a. | 85% |
8 of 142 tracked Resimac home loan products
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.
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.
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 8 Oct 2026. Lender fees and policy change without notice, so confirm the detail with the lender before you apply.