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Resi Flexi Options Home Loan

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The Resi Flexi Options Home Loan lets you customise your home loan and save money on interest with a 100% offset account

With the Flexi Options Home Loan from Resi you can construct a home loan to suit your circumstances and enjoy interest-only payments and different repayment options. Plus, with a 100% offset account, you're able to save money on interest each month.

Offset account fee

If you add an offset account to this loan you will have to pay a $10 monthly fee.

Interest Rate Max Insured LVR Max LVR
Max LVR 80% (Investor, IO) Special
3.34% p.a.
Comparison Rate
3.40% p.a.
80% 80%
Max LVR 80% (Owner Occupier, IO)
4.22% p.a.
Comparison Rate
4.28% p.a.
80% 80%
Max LVR 90% (Investor, IO) Special
3.34% p.a.
Comparison Rate
3.40% p.a.
90% 80%
Max LVR 90% (Investor, P&I) Special
3.09% p.a.
Comparison Rate
3.13% p.a.
90% 80%
Max LVR 90% (Owner Occupier, P&I) Special
2.77% p.a.
Comparison Rate
2.83% p.a.
90% 80%
Max LVR 95% (Owner Occupier, P&I)
3.37% p.a.
Comparison Rate
3.43% p.a.
95% 80%
Variable LVR 80% (Investor, IO)
3.77% p.a.
Comparison Rate
3.83% p.a.
80% 80%
Variable LVR 80% (Investor, P&I)
3.52% p.a.
Comparison Rate
3.58% p.a.
80% 80%
Variable LVR 80% (Owner Occupier, P&I)
3.17% p.a.
Comparison Rate
3.23% p.a.
80% 80%
Variable LVR 80% to 90% (Investor, P&I)
3.72% p.a.
Comparison Rate
3.80% p.a.
90% 80%
Variable LVR 80% to 90% (Owner Occupier, P&I)
3.37% p.a.
Comparison Rate
3.43% p.a.
90% 80%
Product NameResi Flexi Options
Interest Rate TypeVariable
Comp Rate^ (p.a.)
Minimum Loan Amount$250,000
Maximum Loan Amount$2,500,000
Minimum Loan Term5 years
Maximum Loan Term30 years
Maximum LVR80%
Maximum Insured LVR95%
Mortgage Offset AccountYes
Mortgage 100% OffsetYes
Loan Redraw FacilityYes
Split Loan FacilityYes
Fixed Interest OptionYes
Loan PortableYes
Suitable for InvestmentYes
Extra RepaymentYes
Available as equity loan/line of creditNo
Repayment TypePrincipal & Interest and Interest Only Options
Application Fee$150
Lender's Legal Fee$330
Valuation Fee$264 (waived for specials up to $300, minimum loan amount $250k)
Ongoing Fees$10 monthly ($120 p.a.)
Discharge Fee$495


  • You can link a 100% offset account to your home loan
  • Make extra payments
  • Free redraw facility


  • There is a $330 legal fee
  • A $495 discharge fee applies when you close your home loan account

Things to consider about the Resi Flexi Options Home Loan

The Flexi Options Home Loan is a full doc home loan that can be used to purchase or refinance a home, or can also be used by investors looking to add a property to their portfolio.

Features of the Resi Flex Options Home Loan

  • Loan to Value Ratio (LVR). The maximum Loan to Value Ratio for this loan is 95% with Lender’s Mortgage Insurance (LMI). You can avoid Lender's Mortgage Insurance (LMI) by keeping your LVR below 80% of the property's value.
  • Loan terms. This home loan has a maximum loan term of 30 years.
  • Repayment frequency. You may choose to make weekly, fortnightly or monthly repayments with the Flexi Options Home Loan.
  • Repayment options. You can choose to make interest-only repayments for up to ten years with this loan if you wish to have extra cash on hand. You can also make extra repayments at will when your budget allows.
  • Redraw. The Flexi Options Home Loan allows for you to redraw extra repayments when you need to.
  • 100% offset account. You can open an offset account with this loan but you will have to pay a $10 service fee.
  • Loan amount. Borrow anywhere between $250,000 and $2,500,000 with this loan.

What fees and charges come with this loan?

  • Application fee.$150. There is an application fee but it's waived for Special rates.
  • Redraw fees. If you take advantage of your redraw facility, you will not incur any fees.
  • Valuation fee. There is a valuation fee but it's waived for the Special rates up to $300 if you borrow at least $250,000.
  • Discharge fee. $495. At the time you exit this loan, you will be charged $495.
  • Legal fees. Resi will expect a payment of $330 for the legal fees associated with the loan.

How to apply for the Resi Flexi Options Home Loan

Resi allows you to apply for their products online or you can request help from a home loan specialist. Before continuing forward, make sure that you first meet the following eligibility requirements:

  • Age. You have to be 18 years of age to be considered for this loan.
  • Documentation. When applying for a full doc loan such as this one, you will be asked to provide very specific financial information, including evidence of regular income.

If you can meet these requirements click ‘Go to Site’ to be taken to the application page. Here you can commence with the application. You will need to provide the following information:

  • Personal information. This will include your complete name, address, date of birth and contact information. When applying online you will also be asked to provide a driver’s licence number for identification verification.
  • Income. Have your employment details ready, including the address and contact information. You will also need your pre-tax and taxed earnings plus any other income you may receive, such as from investments.
  • Assets. Your personal assets include all property, vehicles and savings accounts that you hold.
  • Liabilities. This is a list of your current debts, including other loan and credit card balances plus the amount of available credit you have.

The time it takes to fill out the application should be around 15 minutes. If you need assistance you can request help from a Resi home loan consultant.

Take into consideration all of the features and options available to you when it comes to choosing a home loan. Look for the lender that is offering the best rates and lowest fees but that also has the benefits that are a priority for you.

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Resi Flexi Options

  • Interest Rate


  • Comparison Rate


  • App Fee / Annual Service Fee

    $150 / $10

  • Max LVR


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