Resi Smart Pro Home Loan

The Resi Smart Pro Home Loan is an innovative way to pay less when you need to borrow more

The Smart Pro Home Loan offers an intelligent way to finance a home. Instead of a ‘one size fits all’ variable rate, it is customised to the amount you need to borrow and the amount of money you are putting towards the down payment.

Interest Rate Max Insured LVR Max LVR
LVR 80% $200k+ (Owner Occupier + IO)
4.39% p.a.
Comparison Rate
4.56% p.a.
80% 80%
LVR 80% $200k+ (Owner Occupier + P&I)
3.84% p.a.
Comparison Rate
4.01% p.a.
80% 80%
LVR 80% $30k to $199k (Owner Occupier + IO)
4.73% p.a.
Comparison Rate
4.90% p.a.
80% 80%
LVR 80% $30k to $199k (Owner Occupier + P&I)
4.18% p.a.
Comparison Rate
4.35% p.a.
90% 80%
LVR 90% $200k+ (Owner Occupier + IO)
4.81% p.a.
Comparison Rate
4.98% p.a.
90% 80%
LVR 90% $200k+ (Owner Occupier + P&I)
4.26% p.a.
Comparison Rate
4.43% p.a.
90% 80%
LVR 90% $30k to $199k (Owner Occupier + IO)
4.73% p.a.
Comparison Rate
4.90% p.a.
90% 80%
LVR 90% $30k to $199k (Owner Occupier + P&I)
4.18% p.a.
Comparison Rate
4.35% p.a.
90% 80%
LVR 95% $200k+ (Owner Occupier + IO)
4.94% p.a.
Comparison Rate
5.11% p.a.
95% 80%
LVR 95% $200k+ (Owner Occupier + P&I)
4.39% p.a.
Comparison Rate
4.56% p.a.
95% 80%
LVR 95% $30k to $199k (Owner Occupier + IO)
4.88% p.a.
Comparison Rate
5.05% p.a.
95% 80%
LVR 95% $30k to $199k (Owner Occupier + P&I)
4.33% p.a.
Comparison Rate
4.50% p.a.
95% 80%
Product NameResi Smart Pro
Interest Rate TypeVariable
Comp Rate^ (p.a.)
Minimum Loan Amount$200,000
Maximum Loan Amount$499,000
Minimum Loan Term1 year
Maximum Loan Term30 years
Maximum LVR80%
Maximum Insured LVR95%
Mortgage Offset AccountNo
Mortgage 100% OffsetNo
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$0
Lender's Legal Fee$385
Valuation Fee$264
Ongoing Fees$0 p.a.
Settlement Fee$0
Discharge Fee$295


  • $0 application fee.
  • $0 ongoing fee.
  • $0 settlement fee.
  • Extra repayments are available.


  • $385 legal fee.
  • $264 valuation fee.
  • $295 discharge fee.
  • No offset account.

Things to consider about the Resi Smart Pro Home Loan

This is a full doc loan that is available for qualifying owner-occupants and investors in residential property. What makes it stand out it is the way in which the variable interest rate is structured into tiers, allowing those with a higher principal amount and lower LVR to pay a lower interest rate.

Features of the Resi Smart Pro Home Loan

Interest rates are important when comparing home loans, but there are also other features you may want to consider. Compare these with other lenders’ home loans before you make a final decision:

  • Loan to Value Ratio (LVR). The maximum amount you can borrow is 95% of the value of the secured property. Keep in mind that borrowing more than 80% of the property's value will attract Lender's Mortgage Insurance (LMI).
  • Repayment flexibility. You can set up your home loan to make repayments weekly, fortnightly or monthly. You may also make additional repayments when possible, which can help pay your home loan off sooner and save you in interest.
  • Repayment types. You may make interest-only repayments for a period of up to ten years. Keep in mind that while this reduces your repayments, you are making no headway on bringing down the principal amount of your home loan.
  • Redraw. Any extra repayments made can be redrawn when you need them.
  • Loan amount. Resi will allow you to borrow anywhere between $200,000 and $499,000, yet keep in mind that this loan is most beneficial to those borrowing over $500,000 due to the reduced interest rates.
  • Loan purpose. You may use the loan to purchase or refinance a home or to buy residential property as an investment. It can also be used to consolidate your other debts.


Fees you can avoid

  • Establishment fee. You are not charged anything from Resi for the establishment of this home loan.
  • Maintenance fee. There's no monthly or yearly surcharge added to the balance of your loan.
  • Redraw fee. You are not going to be charged for taking advantage of your redraw facility.

Fees you can’t avoid

  • Valuation fee. This is a $264 charge payable by you for assessing the value of the secured property.
  • Discharge fee. At the time that the loan is discharged you will be asked to pay $295.
  • Legal fee. $385 is charged to you by Resi for the legal fees associated with the execution of a home loan.

How to apply for the Resi Smart Pro Home Loan

You can easily apply for the Smart Pro Home Loan online if you are able to meet the following eligibility requirements:

  • Age. You must be at least 18 years of age.
  • Documentation. This is a full doc loan that is not suitable for individuals that do not have a detailed financial record.

Click ‘Go to Site’ to be redirected to the application page if you can meet these requirements. You will need to provide the following information while filling out an application:

  • Personal information. Your legal name, date of birth, address and most recent contact information will be asked. For identification verification purposes you will also need to provide your valid driver’s license number.
  • Income. Have a complete list of your before and after tax income. Don’t forget to include any other regular income you receive, such as from investments or rent.
  • Assets. Assets are any valuable items that you own. This can include property, automobiles, savings and investment accounts.
  • Liabilities. When calculating your liabilities be sure that you include any and all open loans, credit card debts and overdraft accounts. Not only should you know your estimated monthly repayments, but also the balances and available credit.

While the Resi home loan application is straightforward and designed to take only 15 minutes to complete, they do offer you expert assistance from a loan officer if necessary.

With a loan that is structured in this way, you will need to have a clear idea of how much you are planning on borrowing and how much your down payment is going to be. This will give you an accurate idea of your interest rate so that you can compare it against loans that are offered by other lenders.

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Resi Smart Pro

  • Interest Rate


  • Comparison Rate


  • App Fee / Annual Service Fee

    $0 / $0

  • Max LVR


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