Resi Home Loans

Find a flexible loan from Resi and pay it off the way you like.

Resi, or Resi Mortgage Corporation, has been serving Australians for the last 25 years as a non-banking lender of flexible mortgage products.

Resi home loans are designed to offer options and flexibility that can save borrowers money with their new home or investment purchase. By allowing a home buyer to choose the terms that work best for them, borrowers can maximise the benefits of the features being offered.

Awards that Resi has earned

  • Best Non-Bank Lender. Won at the Australian Lending Awards for product and service innovation in 2012.
  • Best Thought Leader. Awarded at the Australian Lending Awards in 2011 for the leadership demonstrated by Resi.
  • Non-Bank Lender of the Year. This award was given to Resi in 2006 by Money Magazine for the lending practices demonstrated by Resi.

Resi home loans comparison

Rates last updated June 17th, 2019
Loan purpose
Offset account
Loan type
Repayment type
Your filter criteria do not match any product
Name Product Interest Rate (p.a.) Comp Rate^ (p.a.) Application Fee Ongoing Fees Max LVR Monthly Payment Short Description
$150 (waived for specials, minimum $250k)
$10 monthly ($120 p.a.)
To purchase or refinance an owner occupied or investment residential property.
$0 p.a.
To purchase or refinance an owner occupied or investment residential property. Debt consolidation.
$0 p.a.
To purchase or refinance an owner occupied or investment residential property. Debt consolidation.
$150 (waived for specials, minimum $250k))
$10 monthly ($120 p.a.)
A fixed term for 3 years. No monthly fees and includes offset account.

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Who is Resi?

Resi is an Australian non-bank lender founded by Peter James and Jim Christie. Since then, they have helped thousands of Australians achieve the dream of home ownership by offering loan products that offer maximum flexibility. You can apply for any of their products online, or discuss a home loan with a Resi mortgage expert in one of their branches.

With a Resi home loan you are offered a variety of ways to customise your home loan, such as utilising split rates so you may be able to benefit from the best of both worlds. This could also be suitable for first home buyers, as a fixed rate gives you some stability in your repayments which can help you get into the groove of paying off a mortgage.

Home loans provided by Resi

Flexi Options home loan

The Flexi Options home loan is a fully equipped mortgage that includes a 100% offset account and a redraw facility. This loan comes with the choice of a variable rate or fixed rate terms. In addition to investors and homebuyers, this loan is also available to overseas borrowers.

With this loan, you can choose when you make your repayments. You also have the choice of making interest-only repayments for up to ten years if you want to free up your cash flow, though this feature is often used by investors.

More About Flexi Options Home Loan

Lo Doc home loan

This could be an ideal home loan to consider if you’re self-employed. With this type of home loan you can present documentation other than tax returns or extensive financial statements. You may use it to borrow money for an owner occupied or investment residential property. The Low Doc Home Loan rewards borrowers who put more money down in the form of a deposit by giving them a discounted interest rate.

With a generous loan amount of up to $2 million offered and a loan to value ratio (LVR) of up to 80%, those who would normally have difficulty securing a home loan can now have the chance to own a house of their own. This is a fixed rate home loan that allows you to fix all or a portion of the loan.

More About Lo Doc Home Loan

Smart Option home loan

The Smart Option Home Loan allows up to a 95% LVR with a variable interest rate. As with most of the home loans offered by Resi, the cost of Lender’s Mortgage Insurance (LMI) can be incorporated into the price of the mortgage. This insurance will be applied to home loans where you're borrowing more than 80% of a property's value.

The Smart Option Home Loan is also flexible, allowing a period of up to ten years for interest-only repayments, and allowing extra repayments when you have room in your budget. This loan may be used as an opportunity to buy a new home, invest in residential property or consolidate debts.

More About Smart Option Home Loan

Flexi Fix home loan

THe Flexi Fix is a fixed rate home loan with terms of three or five years. Once the fixed period ends the interest rate reverts to the variable rate. Like many Resi home loans, this one offers you a lower rate for putting down more money upfront.

There's the option to make extra repayments with this fixed rate home loan, but only during the variable rate portion of the terms. You can also use your cash for other purposes and make interest-only repayments for up to ten years.

More About Flexi Fix Home Loan

Smart Pro home loan

The Smart Pro Home Loan can be used by an owner occupier or an investor, but the unique structure makes it more suitable to a borrower who's purchasing a property with a large assessed valuation. Here you are rewarded with a substantial break in the variable interest rate when you borrow more money and have a lower LVR.

This is a full doc home loan that only an applicant who can provide full income verification will be able to qualify for.

More About Smart Pro Home Loan

Smart Pro Plus home loan

The Smart Pro Plus is structured similarly to the Smart Pro, with different interest rate tiers available based on the amount borrowed and your LVR. The difference is that with the Smart Pro Plus you are given an even larger discount on the interest rate than with the Smart Pro.

You are also allowed extra repayments with this loan and can make regular payments weekly, fortnightly or monthly. There is a redraw facility available if you want to have access to any extra repayments in the event of an emergency.

More About Smart Pro Plus Home Loan

Smart Option home loan

Resi lists this as an ideal home loan for investment purposes, but it can be used for the personal purchase of a home. This is a competitive variable interest rate loan that can be stretched out for 30 years.

You can borrow up to 95% LVR with this home loan, but keep in mind that any loan that exceeds 80% LVR will be subject to LMI. This can be paid upfront or spread out over the life of the loan.

More About Smart Option Home Loan

Complete home loan

This is a standard variable rate home loan that could be suitable for a first time home buyer to consider. The Complete Home Loan is available to those purchasing a new home or for those buying an investment property.

This is a full doc home loan that allows you to borrow up to 95% LVR. Like other Resi home loans, LMI will be added for those loans whose LVR is above 80%. You can make extra repayments when you want and redraw them if the need arises.

More About Complete Home Loan

SMSF home loan

This is a specialised home loan that can only be used for investment purposes when borrowing through your Self Managed Super Fund (SMSF). If you are the trustee of an SMSF that allows for this type of investment, you can borrow up to 70% LVR and increase the wealth of your SMSF with a property.

Resi will not charge you any accounting or account-keeping fees with this investment only loan. Only owners or trustees of the SMSF can apply for this product which allows you to make repayments monthly. You can also make extra repayments, but there is no redraw facility.

About how to compare home loans so you can make an informed decision.

Pros and cons

Almost all of the home loans offered by Resi allow you to mix and match options to best suit your circumstances.


  • Competitive interest rates. Resi makes certain that the interest rate applied is comparable to other home loan lenders offering the same level of product.
  • Availability. There are home loans available for most type of borrower, including owner occupants, investors and even overseas borrowers.
  • Flexibility in repayments. There are a range of repayment options, both in the frequency in which you make them and the opportunity to make interest-only and extra repayments.
  • Generous loan amounts of up to $2 million. Although this will depend in part on your own financial situation, many Resi home loans are offered with a large maximum loan amount of $2 million.


  • 100% Offset. There are not many Resi home loans available that offer this money saving option.
  • Fees. While some of the loans available from Resi waive establishment fees, the valuation and legal fees payable by the borrower are still present for many.

Calculate your repayments by filling in some of your details

How to apply for a Resi home loan

If you would like to apply for a home loan from Resi, compare the loans in the table above to be safely redirected to the enquiry page.

Once the online form has been submitted, a Resi loan specialist with be in contact with you to discuss your home loan needs and applications.

Documents needed to apply for a Resi home loan

Personal information

Not only is personal information needed as contact information, it will also be important in helping verify your identity:

  • Driver’s licence. The number on a valid Australian driver’s licence will be important for the lender to help verify your identity.
  • Other ID. In lieu of a driver’s licence you could use a passport or non-driver ID.

Property information

Resi is going to want to know about the property that you are using for the home loan. You will need the following documents:

  • Contract of sale. The contract of sale gives Resi the details of the amount that is to be paid for the property. It will also have important information about the property itself. Your agent will be able to provide this to you.
  • Copy of certificate of title. A certificate of title is an important document that shows that the seller has the legal right to the property and is authorised to sell it.
  • Copy of transfer of land. This document is used to show that the title for the property is being transferred to the borrower.

Financial information

Resi will use your financial information to make sure that you are capable of making repayments. This will have a large effect on the amount of money you are able to borrow. Expect to provide the following information:

  • Income. When providing your income information, remember to have your pre-tax and taxed amounts available. Also include any other income you receive. This could include rent payments, investment income or dividends.
  • Assets. Your assets include any other property you own plus other items of value. This includes vehicles, saving accounts and investment accounts.
  • Liabilities. Liabilities include any other outstanding debts you may have. This includes loans, credit cards and overdraw accounts.

Before making any decisions about a Resi or any other lending institution make sure that you understand the features offered and how they can help or hurt you. Compare these features, along with rates and fees, when comparing the different home loans available for you.

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Home Loan Offers

Important Information*
Logo for UBank UHomeLoan Variable Rate - Discount offer for Owner Occupiers, P&I Borrowing over $200,000
UBank UHomeLoan Variable Rate - Discount offer for Owner Occupiers, P&I Borrowing over $200,000

Take advantage of a low-fee mortgage with a special interest rate of just 3.59% p.a. and a 3.59% p.a. comparison rate.

Logo for HSBC Home Value Loan - (Owner Occupier P&I)
HSBC Home Value Loan - (Owner Occupier P&I)

Get a low interest rate loan with no ongoing fees. Plus you can make extra repayments and free redraw online. Available with just a 10% deposit.

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One Response

  1. Avatarfinder Customer Care
    BelindaJuly 2, 2015Staff

    Hi Uttam,

    Thanks for your enquiry.

    As you’ll see above, 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’ll 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 home loans as a first home buyer on this page.


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