Resi home loans

Resi has home loan rates starting from 2.39%.

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Resi, or Resi Mortgage Corporation, is a non-banking lender of flexible mortgage products. Resi offers a range of home loans for Australian borrowers. Check out the full table of Resi products below or read more about the lender.

Compare Resi home loans for December 2021

Name Product Interest Rate (p.a.) Comp. Rate (p.a.) Fees Monthly Payment

Resi Essential Options Prime P&IHome≥ 20% Deposit

Resi Essential Options Prime
  • App: $0
  • Ongoing: $0 p.a.

Resi Essential Options Prime P&IInvestment≥ 35% Deposit

Resi Essential Options Prime
  • App: $0
  • Ongoing: $0 p.a.

Resi Agility Home Loan P&IHome≥ 30% Deposit

Resi Agility Home Loan
  • App: $0
  • Ongoing: $0 p.a.

Resi Essential Options Prime P&IInvestment≥ 20% Deposit

Resi Essential Options Prime
  • App: $0
  • Ongoing: $0 p.a.

Resi Essential Options Alt Doc P&IHome≥ 35% Deposit

Resi Essential Options Alt Doc
  • App: $495
  • Ongoing: $0 p.a.

Compare up to 4 providers

Resi key facts

  • Resi is a non-banking lender based in New South Wales.
  • Resi offers home loan products for owner-occupiers and investors.
  • This lender only offers home loan products.

Review by our senior home loans writer Richard Whitten.

Resi home loan features

Here are the key features and details you need to know about Resi's mortgage products.

Minimum depositIt is possible to get a home loan from Resi with a deposit as low as 10%.
Offset account?You can get an offset account with several Resi loans.
Repayment optionsSeveral Resi home loans allow you to make interest-only repayments for a limited period. The Resi also offers the standard principal-and-interest repayments on its loans.

How do I apply for a mortgage from Resi?

When applying for any home loan, you will need various documents to establish your identity, your financial situation, employment status and details about the property.


The following information is general in nature and applies to most home loans. There may be specific criteria that apply for this lender.

  • Age. You must be over 18 years of age.
  • Residency. You should be a resident of Australia.
  • Employment. You should have a regular source of income.

Documents required

When you apply for a mortgage with Resi you are required to provide certain information so make sure you have all your documents ready before you apply. The documents you will be expected to provide are:

📄 Property details. You can start a loan enquiry before you've bought a property. But to complete an application you need the address of the property and a signed contract of sale.

📄 Identification documents. You will need identification such as a driver's licence, passport or birth certificate.

📄 Proof of income documents. Recent payslips can establish your income.

📄 Asset and liability documents. You need to provide documents showing your current assets (savings accounts, investments) and liabilities (your outstanding debt).

How to apply for a home loan

More lenders to compare

Check out Finder's main home loans guide if you want to compare more home loans from a range of lenders. Or you could try one of the following lenders:

  • ING. This online bank is part of the global, Dutch financial group of the same name.
  • Commonwealth Bank. The nation's largest bank has a large selection of home loans and a convenient banking app.
  • UBank. This online bank is actually owned by NAB.
  • Athena. This digital fintech lender offers low-rate mortgages and an entirely online, convenient service.
  • Tic:Toc. This lender's online application tool can process your mortgage application fast. Backed by the Bendigo and Adelaide Bank.
  • Bank of Queensland. Outside of the Big Four this is one of Australia's larger banks. BOQ owns Virgin Money.
  • HSBC. The local Australian banking arm of this international bank offers various home loans.

More guides on Finder

  • Resi Flexi Options Home Loan

    The Resi Flexi Options Home Loan may be worth considering if you want to make your own choices in repayments and get the added benefit of a 100% offset account.

  • Resi Flexi Options Fixed Home Loan

    The Resi Flexi Options Home Loan is a fixed home loan that gives you the money you need to purchase your home. Check if you’re eligible and apply online.

Home Loan Offers

Important Information*

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One Response

    Default Gravatar
    BelindaJuly 2, 2015

    Hi Uttam,

    Thanks for your enquiry.

    The Resi Flexi Options Fixed home loan is suitable for investment purposes and has a maximum loan to value ratio (LVR) of 95%.

    While this means you will only need to provide a 5% deposit, you will need to pay Lenders Mortgage Insurance (LMI) when borrowing more than 80% of the property purchase price.

    You might be interested to learn more about how to compare first home buyer loans.

    I recommend getting in touch with a licensed mortgage broker. A broker can help you understand your financial position and they can leverage their panel of networks to find a lender that’s more inclined to review your application.


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