Rating based on 27 reviews


  • Home loans up to $1,500,000
  • Low-interest starting from 3.39%
  • Repayment up to 30 years

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Resimac homepage
Author Resimac. Screenshot of Resimac website.
[Accessed March 7, 2023]

About Resimac

Are you in the market for a house, Resimac can make you a very happy homeowner in record time!

They are enthusiastic and very innovative in the way they do business. The great part is that they will always put your needs first, this means that they work very hard and are very flexible to ensure that your needs are met.

Get a perfectly tailored home loan from a non-bank lending pioneer that has been delivering profound service and competitive products since 1985 and has been operating in New Zealand since 2012. A responsible lender that conducts business ethically and straightforwardly while they are regulated by the consumer financial act.

Mortgage customer benefits

Get a free membership to their exclusive customer benefits program where you can qualify for multiple exclusive discounts on a wide range of quality products and services. You can only qualify for this membership if you have a Resimac home loan.

Their company values

They have a set of values they live and work by internally (amongst themselves) and externally (when they deal with clients, other companies, or fellow lenders):

  • Quality
  • Professionalism & Integrity
  • Passion
  • Agility
  • Accountability
  • Respect

Resimac Services

You can fill in your loan amount and term together with your income and expenses to get an estimate on how much home loan you can get.

Access a variable home loan at an interest rate starting from 3.39%p.a. With:

  • No monthly or annual fees.
  • Borrow up to a maximum of $1.5m.
  • Repayment options of either weekly, fortnightly, or monthly.
  • Online account access
  • Extra repayments without any penalties.
  • Exclusive discounts on goods and services with access to their Customer Benefits Program.
  • Alt Doc only
  • Self-employed for 6 months and longer
  • Solutions for those with credit issues

Or you can choose the fixed-rate home loan option from 3.89%p.a. With:

  • No monthly or annual fees.
  • Borrow up to a maximum of $1.5m.
  • Weekly, fortnightly, or monthly payments that are unchanged.
  • Online account access

Where the impossible can be possible

Are you concerned about being declined due to your credit score? They can still help you! As long as you have a surplus income each month that you can pay towards a home loan, they will be able to overlook a bad credit score caused by a few missed payments as they believe in second chances.

Resimac – Home loan

  • Loan Type Home loans
  • Interest Rate 3.3910.46% p/a
  • Loan Amount up to $1,500,000
  • Repayment 10 year to 30 years

Benefits of Resimac

  • Fixed interest rates
  • No annual fees
  • Quick online application

Resimac offers clients the best financial alternative when you want to buy a home

How to apply for a mortgage in NZ – your dream home is just a few clicks away

Get pre-approved

One: you can get your application started on their website by filling in the online loan application form that will immediately calculate your estimated monthly repayment. You can adjust it until you feel confident about it. You will also fill in your details, income, debt, and expenses.

Two: they will then process and assess the information you provided and you have the option to proceed by meeting a specialist face to face or you can choose to communicate online or via email, whatever works for you. They might ask you for some supporting documents and will then provide you with a pre-approved offer.

Three: Now that you know what you can afford you can look for a house within your budget with confidence.

Who can apply? someone that

  • Has a surplus income available each month to pay towards a mortgage.
  • Can prove that they have a stable, regular income.
  • An NZ citizen.
  • 18+ years of age.

Benefits of having a home loan with Resimac

  • Well experienced staff.
  • They have a flexible lending policy.
  • Great loan features
  • Broad product ranges.
  • Unlimited customer benefits membership exclusively to home loan clients.
  • Carbon Conscious
  • They have strong values they live, breathe and do business by.
  • Fixed or variable rate options are available.
  • Bad credit home loans are available.

Customer Reviews & Testimonials

Competitive interest rates. Competent staff. Compassionate towards their clients' financial hardships. The 3 C's of excellence.

Marcus L
— Tauranga —

My wife and I recently moved into our dream house, all thanks to RESIMAC. Our consultant was with us every step of the way, and regularly checked in on us. Sure the initiation fees are a bit ste...

Waylon J
— Invercargill —

When I encountered a minor glitch in the paperwork I submitted during my online application, the branch manager personally contacted me and sorted the situation out in minutes, instead of simply ...

James G
— Palmerston North —

Resimac Contact

Physical Address

Postal Address

  • PO Box 91734, Victoria Street West, Auckland, 1142, New Zealand

Opening Hours

  • not available