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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

Data indicated here is updated regularly
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
Resi Flexi Options - Max LVR 90% (Owner Occupier, P&I) Special
$10 monthly ($120 p.a.)
To purchase or refinance an owner occupied or investment residential property.
Resi Flexi Options - Max LVR 90% (Investor, P&I) Special
$10 monthly ($120 p.a.)
To purchase or refinance an owner occupied or investment residential property.
Resi Flexi Options Fixed - 3 Year Fixed Rate (Owner Occupier, P&I) Special
$10 monthly ($120 p.a.)
A fixed term for 3 years. No monthly fees and includes offset account.
Resi Flexi Options Fixed - 2 Year Fixed Rate (Investor P&I) Special
$10 monthly ($120 p.a.)
Resi Flexi Options - Variable LVR 80% (Owner Occupier, P&I)
$10 monthly ($120 p.a.)
To purchase or refinance an owner occupied or investment residential property.
Resi Flexi Options Fixed - 3 Year Fixed Rate (Investor P&I) Special
$10 monthly ($120 p.a.)
Resi Flexi Options - Variable LVR 80% to 90% (Owner Occupier, P&I)
$10 monthly ($120 p.a.)
To purchase or refinance an owner occupied or investment residential property.
Resi Flexi Options Fixed - 3 Year Fixed Rate (Investor IO) Special
$10 monthly ($120 p.a.)
Resi Flexi Options - Variable LVR 80% (Investor, P&I)
$10 monthly ($120 p.a.)
To purchase or refinance an owner occupied or investment residential property.
Resi Flexi Options Fixed - 1 Year Fixed Rate (Investor P&I)
$10 monthly ($120 p.a.)

Compare up to 4 providers

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

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

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.

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 2.59% p.a. and a 2.59% p.a. comparison rate.

Logo for Essentials - Variable (Owner Occupier, P&I) Essentials - Variable (Owner Occupier, P&I)

A competitive interest rate home loan with interest only options. Interest rate 2.79% p.a.
comp rate of 2.81% p.a.

Logo for Smart Home Loan - (Owner Occupier, P&I) Smart Home Loan - (Owner Occupier, P&I)

Get a low variable interest rate and pay 0 application or ongoing fees with this convenient online lender.

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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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