RESIMAC Home Loans


RESIMAC is a non-bank lender which provides a range of home loans for New Zealand borrowers.

Loan Options: What RESIMAC home loans offer

Here’s a snapshot of RESIMAC’s variable home loans currently on offer for a loan amount of $600,000 in Auckland. Please note that this table is formulated based on paying both principal and interest and results are sorted by our star rating (highest to lowest). To compare other home loans, please click here.

Compare Home Loans

The inclusions below represent a selection of the features available with a standard variable rate home loan for an owner occupier. Canstar is not making any suggestion or recommendation to you about this product. Additional conditions may apply to different features. Please see our comparison tables for more detailed information about products on offer from this provider. Please ensure that you read the product disclosure statement (PDS) to determine all the current loan terms and conditions for the product you are considering.

Variable home loan features to look for

What types of home loans does RESIMAC offer?

The three main types of specialist lending options offered by RESIMAC are:

  • Specialist Clear: for consumers with less than one mortgage arrears, and zero mortgage defaults
  • Specialist Plus: for consumers with less than two mortgage arrears, and two mortgage defaults
  • Specialist Assist: for consumers with unlimited mortgage arrears, and unlimited mortgage defaults

Both loans have the options of taking payment holidays, going interest-free, or, in the case of variable-rate products, switching to a fixed-interest loan at any time. For more information on different types of home loans, check out the following articles:

Find out about how different types of home loans work here. See our comparison tables for details of RESIMAC home loans:

Compare Home Loans


Applying for a RESIMAC home loan is a simple process; just compare home loans on the Canstar website to find the best product for you, and then either call or email RESIMAC to begin the application process. RESIMAC does not offer an online application process.

You can also call RESIMAC on 0800 38 4 8 58 any day of the week to speak to a home loan expert; you can drop into your local RESIMAC branch when convenient to discuss lending advice.

Follow our applying for a home loan checklist, and use the Canstar website to compare RESIMAC home loans with other home loans before choosing a product that suits your needs:

Compare Home Loans

Before you start your application for a RESIMAC home loan, you may need evidence of:

  • Your income, including salary, dividends, rent, business profits etc.
  • Your expenses, such as food, rent, bills, loan debts, insurance etc.
  • Your deposit – how much cash or equity you have, including any KiwiSaver investments
  • Your personal details, including a form of valid photo ID such as your passport or drivers licence

For more information on what is involved, follow our applying for a home loan checklist, and use the Canstar website to compare RESIMAC home loans with other home loans before choosing a product that suits your needs:

Compare Home Loans

RESIMAC offers you the option of making flexible paymentsweekly, fortnightly, or monthly repayments on your home loans. As with most bankshome loan products, interest is calculated daily on your remaining principal; this means that any payment you make before your monthly due date will reduce your principal, and thus reduce the amount of interest you have to pay.

Find out how making extra repayments could save money in interest over the life of your loan in this article or use our Extra Repayments Calculator for yourself:


Yes, RESIMAC’s variable rate home loans offer the option to top up your home loan (i.e. borrow back money that you’ve already put towards your home loan in the form of additional repayments). You can apply for a loan top up using RESIMAC Internet Banking. Fees and charges may apply to use of a redraw facility; contact your lender for details or learn more about redraw facilities here.

If you’re in the market for a home loan, compare your home loan options with Canstar:

Compare Home Loans

RESIMAC is a non-bank specialist lender offering home loan solutions and competitive interest rate for their New Zealand members.

RESIMAC was established over 25 years ago and have since helped tens of thousands of borrowers. They are committed to efficiency and aim to assess all loan applications in the quickest time possible. They currently manage more than 15,000 loanbs, and have issued more than $13 billion in mortgage-backed securities. They were awarded a ‘STRONG’ rating by international ratings agency Standard & Poor’s.

Compare Home Loans

Resimac Direct - Residential Standard Variable

Canstar Research
Award: 4 Star Rating Home Loans

Residential Floating Rate

Residental Standard Variable

View the 2018 Home Loans Star Ratings Report

Written by: Regina Collins | Last updated: May 22, 2018