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.
What different scores mean
9+
Excellent
These home loans offer low costs, coupled with a host of features, giving the best overall value.
7+
Great
These home loans may have slightly higher interest rates or fewer features but overall, a competitive offering.
5+
Standard
Usually the home loans would offer above average rates. They may still include some competitive features.
0+
Basic
Higher costs and/or fewer features.
Compare Resi home loans for July 2025
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How we picked theseResi home loan features
Here are the key features and details you need to know about Resi's mortgage products.
| Feature | Details |
|---|---|
| Minimum deposit | It 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 options | Several 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.Eligibility
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).
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.
- Tiimely Home. 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.
Looking for more mortgage options?
- Big Four banks. Check out interest rates from Australia's Big Four banks.
- Best home loans. Finder's top loan picks every month.
- Cheapest rates. Compare the lowest home loan rates on the market.
- Investors. Compare more loans for property investors.
- Mortgage brokers. Still confused? Get free, expert guidance from a qualified mortgage broker.
What is Finder Score?
The Finder Score crunches 7,000 home loans across 120+ lenders. It takes into account the product's interest rate, fees and features, as well as the type of loan eg investor, variable, fixed rate - this gives you a simple score out of 10.
To provide a Score, we compare like-for-like loans. So if you're comparing the best home loans for cashback, you can see how each home loan stacks up against other home loans with the same borrower type, rate type and repayment type. We also take into consideration the amount of cashback offered when calculating the Score so you can tell if it's really worth it.
Read the full Finder Score breakdown
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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.
Thanks,
Belinda