The details shown below are for an owner occupier taking out a principal & interest loan between $150,000 and $2,000,000 with an LVR below 80%
The details shown below are for an owner occupier taking out a principal & interest loan between $150,000 and $2,000,000 with an LVR below 70%
The details shown below are for an owner occupier taking out a principal & interest loan between $150,000 and $2,000,000 with an LVR below 90%
The details shown below are for an owner occupier taking out a principal & interest loan between $150,000 and $2,000,000 with an LVR below 95%
The details shown below are for an owner occupier taking out a interest only loan between $150,000 and $2,000,000 with an LVR below 80%
The details shown below are for an owner occupier taking out a interest only loan between $150,000 and $2,000,000 with an LVR below 70%
The details shown below are for an investor taking out a principal & interest loan between $150,000 and $2,000,000 with an LVR below 80%
The details shown below are for an investor taking out a principal & interest loan between $150,000 and $2,000,000 with an LVR below 70%
The details shown below are for an investor taking out a principal & interest loan between $150,000 and $2,000,000 with an LVR below 90%
The details shown below are for an investor taking out a principal & interest loan between $150,000 and $2,000,000 with an LVR below 95%
The details shown below are for an investor taking out a interest only loan between $150,000 and $2,000,000 with an LVR below 80%
The details shown below are for an investor taking out a interest only loan between $150,000 and $2,000,000 with an LVR below 70%
The details shown below are for an investor taking out a interest only loan between $150,000 and $2,000,000 with an LVR below 90%
The details shown below are for an investor taking out a interest only loan between $150,000 and $2,000,000 with an LVR below 95%
Choose the version of this loan that suits you best
| Availability | Loan type | LVR | Min loan amount | Max loan amount | |
|---|---|---|---|---|---|
| | Owner Occupier | Principal & Interest | < 80% | $150,000 | $2,000,000 |
| | Owner Occupier | Principal & Interest | < 70% | $150,000 | $2,000,000 |
| | Owner Occupier | Principal & Interest | 80%-90% | $150,000 | $2,000,000 |
| | Owner Occupier | Principal & Interest | 90%-95% | $150,000 | $2,000,000 |
| | Owner Occupier | Interest Only | < 80% | $150,000 | $2,000,000 |
| | Owner Occupier | Interest Only | < 70% | $150,000 | $2,000,000 |
| | Investor | Principal & Interest | < 80% | $150,000 | $2,000,000 |
| | Investor | Principal & Interest | < 70% | $150,000 | $2,000,000 |
| | Investor | Principal & Interest | 80%-90% | $150,000 | $2,000,000 |
| | Investor | Principal & Interest | 90%-95% | $150,000 | $2,000,000 |
| | Investor | Interest Only | < 80% | $150,000 | $2,000,000 |
| | Investor | Interest Only | < 70% | $150,000 | $2,000,000 |
| | Investor | Interest Only | 80%-90% | $150,000 | $2,000,000 |
| | Investor | Interest Only | 90%-95% | $150,000 | $2,000,000 |
Owner Occupier (Principal & Interest)
LVR < 80%
Loan: $150,000 $2,000,000
Owner Occupier (Principal & Interest)
LVR < 70%
Loan: $150,000 $2,000,000
Owner Occupier (Principal & Interest)
LVR 80%-90%
Loan: $150,000 $2,000,000
Owner Occupier (Principal & Interest)
LVR 90%-95%
Loan: $150,000 $2,000,000
Owner Occupier (Interest Only)
LVR < 80%
Loan: $150,000 $2,000,000
Owner Occupier (Interest Only)
LVR < 70%
Loan: $150,000 $2,000,000
Investor (Principal & Interest)
LVR < 80%
Loan: $150,000 $2,000,000
Investor (Principal & Interest)
LVR < 70%
Loan: $150,000 $2,000,000
Investor (Principal & Interest)
LVR 80%-90%
Loan: $150,000 $2,000,000
Investor (Principal & Interest)
LVR 90%-95%
Loan: $150,000 $2,000,000
Investor (Interest Only)
LVR < 80%
Loan: $150,000 $2,000,000
Investor (Interest Only)
LVR < 70%
Loan: $150,000 $2,000,000
Investor (Interest Only)
LVR 80%-90%
Loan: $150,000 $2,000,000
Investor (Interest Only)
LVR 90%-95%
Loan: $150,000 $2,000,000
The Resimac Prime Flex home loan is packed with value, offering ultra low variable rates from 2.14% (2.51% comparison rate*) for LVRs of up to 70%. There are also plenty of flexible features to enjoy, including an offset account, free extra repayments and a fee-free redraw facility. This nifty home loan also picked up a 2021 Mozo Experts Choice Award in the Offset Home Loan category!
The Resimac Prime Flex home loan has a range of interest rate tiers based on the borrower’s loan-to-value ratio (LVR). For instance, if you’re an owner occupier making principal and interest repayments on loan amounts between $150,000 and $2 million, rates start from:
2.14% (2.51% comparison rate*) for up to 70% LVR
2.24% (2.61% comparison rate*) for 70%-80% LVR
3.06% (3.41% comparison rate*) for 80%-90% LVR
3.26% (3.61% comparison rate*) for 90%-95% LVR
In other words, while Resimac gives bigger rate discounts to homebuyers or refinancers with a larger deposit or higher home equity, it also doesn’t shut out borrowers who can only afford 5% of the property value.
The Prime Flex home loan is big on bells and whistles, giving borrowers access to handy features such as a 100% offset account - a tool that can help you reduce the interest you pay on your principal. Borrowers can also match their repayments to their pay cycle (weekly, fortnightly or monthly), make free additional repayments, and access a redraw facility at no extra cost.
Finally for those who want the best of both worlds - the flexibility of variable rates and the security of fixed rates - Resimac offers borrowers the option to split their home loan into fixed and variable loans.
While the Resimac Prime Flex home loan has no application or discharge fee, there are a couple of upfront and ongoing fees to account for - a $330 valuation fee and a $299 yearly service fee.
This home loan is great for borrowers who are looking for more than just a great rate. That is, they want the ability to access multiple flexible features, and don’t mind paying a few fees for those extra perks.
Just beware that the $299 ongoing service fee must be paid once every year, which can add up over time, so be sure to budget for this cost.
Also bear in mind that if your LVR is over 80%, you may have to pay Lenders Mortgage Insurance - even if you’re refinancing and you’ve already paid LMI for your first mortgage.
| 2.24% p.a. | |
| n/a | |
| n/a | |
| n/a | |
| 2.61% p.a. | |
| n/a | |
| n/a | |
| n/a | |
| n/a | |
| n/a | |
| n/a | |
| n/a | |
| n/a |
| $0.00 | |
| $0.00 | |
| $330.00 | |
| n/a | |
| n/a | |
| $299.00 yearly | |
| $0.00 |
| $150,000 | |
| $2,000,000 | |
| none | |
| 80.00% |
| Owner Occupier | |
| Principal & Interest | |
| Weekly, Fortnightly, Monthly | |
| yes - free | |
| no | |
| yes - free | |
| $0.00 | |
| yes | |
| yes | |
| Valuation and settlement fee charged at cost. Valuation fee show is the average. | |
| none | |
| none |
WARNING: This comparison rate applies only to the example or examples given. Different amounts and terms will result in different comparison rates. Costs such as redraw fees or early repayment fees, and cost savings such as fee waivers, are not included in the comparison rate but may influence the cost of the loan. The comparison rate displayed is for a secured loan with monthly principal and interest repayments for $150,000 over 25 years.
| 2.14% p.a. | |
| n/a | |
| n/a | |
| n/a | |
| 2.51% p.a. | |
| n/a | |
| n/a | |
| n/a | |
| n/a | |
| n/a | |
| n/a | |
| n/a | |
| n/a |
| $0.00 | |
| $0.00 | |
| $330.00 | |
| n/a | |
| n/a | |
| $299.00 yearly | |
| $0.00 |
| $150,000 | |
| $2,000,000 | |
| none | |
| 70.00% |
| Owner Occupier | |
| Principal & Interest | |
| Weekly, Fortnightly, Monthly | |
| yes - free | |
| no | |
| yes - free | |
| $0.00 | |
| yes | |
| yes | |
| Valuation and settlement fee charged at cost. Valuation fee show is the average. | |
| none | |
| none |
WARNING: This comparison rate applies only to the example or examples given. Different amounts and terms will result in different comparison rates. Costs such as redraw fees or early repayment fees, and cost savings such as fee waivers, are not included in the comparison rate but may influence the cost of the loan. The comparison rate displayed is for a secured loan with monthly principal and interest repayments for $150,000 over 25 years.
| 3.06% p.a. | |
| n/a | |
| n/a | |
| n/a | |
| 3.41% p.a. | |
| n/a | |
| n/a | |
| n/a | |
| n/a | |
| n/a | |
| n/a | |
| n/a | |
| n/a |
| $0.00 | |
| $0.00 | |
| $330.00 | |
| n/a | |
| n/a | |
| $299.00 yearly | |
| $0.00 |
| $150,000 | |
| $2,000,000 | |
| 80.00% | |
| 90.00% |
| Owner Occupier | |
| Principal & Interest | |
| Weekly, Fortnightly, Monthly | |
| yes - free | |
| no | |
| yes - free | |
| $0.00 | |
| yes | |
| yes | |
| Valuation and settlement fee charged at cost. Valuation fee show is the average. | |
| none | |
| none |
WARNING: This comparison rate applies only to the example or examples given. Different amounts and terms will result in different comparison rates. Costs such as redraw fees or early repayment fees, and cost savings such as fee waivers, are not included in the comparison rate but may influence the cost of the loan. The comparison rate displayed is for a secured loan with monthly principal and interest repayments for $150,000 over 25 years.
| 3.26% p.a. | |
| n/a | |
| n/a | |
| n/a | |
| 3.61% p.a. | |
| n/a | |
| n/a | |
| n/a | |
| n/a | |
| n/a | |
| n/a | |
| n/a | |
| n/a |
| $0.00 | |
| $0.00 | |
| $330.00 | |
| n/a | |
| n/a | |
| $299.00 yearly | |
| $0.00 |
| $150,000 | |
| $2,000,000 | |
| 90.00% | |
| 95.00% |
| Owner Occupier | |
| Principal & Interest | |
| Weekly, Fortnightly, Monthly | |
| yes - free | |
| no | |
| yes - free | |
| $0.00 | |
| yes | |
| yes | |
| Valuation and settlement fee charged at cost. Valuation fee show is the average. | |
| none | |
| none |
WARNING: This comparison rate applies only to the example or examples given. Different amounts and terms will result in different comparison rates. Costs such as redraw fees or early repayment fees, and cost savings such as fee waivers, are not included in the comparison rate but may influence the cost of the loan. The comparison rate displayed is for a secured loan with monthly principal and interest repayments for $150,000 over 25 years.
| 2.64% p.a. | |
| n/a | |
| n/a | |
| n/a | |
| 2.98% p.a. | |
| n/a | |
| n/a | |
| n/a | |
| n/a | |
| n/a | |
| n/a | |
| n/a | |
| n/a |
| $0.00 | |
| $0.00 | |
| $330.00 | |
| n/a | |
| n/a | |
| $299.00 yearly | |
| $0.00 |
| $150,000 | |
| $2,000,000 | |
| none | |
| 80.00% |
| Owner Occupier | |
| Interest Only | |
| Weekly, Fortnightly, Monthly | |
| yes - free | |
| no | |
| yes - free | |
| $0.00 | |
| yes | |
| yes | |
| Valuation and settlement fee charged at cost. Valuation fee show is the average. | |
| none | |
| none |
WARNING: This comparison rate applies only to the example or examples given. Different amounts and terms will result in different comparison rates. Costs such as redraw fees or early repayment fees, and cost savings such as fee waivers, are not included in the comparison rate but may influence the cost of the loan. The comparison rate displayed is for a secured loan with monthly principal and interest repayments for $150,000 over 25 years.
| 2.54% p.a. | |
| n/a | |
| n/a | |
| n/a | |
| 2.89% p.a. | |
| n/a | |
| n/a | |
| n/a | |
| n/a | |
| n/a | |
| n/a | |
| n/a | |
| n/a |
| $0.00 | |
| $0.00 | |
| $330.00 | |
| n/a | |
| n/a | |
| $299.00 yearly | |
| $0.00 |
| $150,000 | |
| $2,000,000 | |
| none | |
| 70.00% |
| Owner Occupier | |
| Interest Only | |
| Weekly, Fortnightly, Monthly | |
| yes - free | |
| no | |
| yes - free | |
| $0.00 | |
| yes | |
| yes | |
| Valuation and settlement fee charged at cost. Valuation fee show is the average. | |
| none | |
| none |
WARNING: This comparison rate applies only to the example or examples given. Different amounts and terms will result in different comparison rates. Costs such as redraw fees or early repayment fees, and cost savings such as fee waivers, are not included in the comparison rate but may influence the cost of the loan. The comparison rate displayed is for a secured loan with monthly principal and interest repayments for $150,000 over 25 years.
| 2.49% p.a. | |
| n/a | |
| n/a | |
| n/a | |
| 2.84% p.a. | |
| n/a | |
| n/a | |
| n/a | |
| n/a | |
| n/a | |
| n/a | |
| n/a | |
| n/a |
| $0.00 | |
| $0.00 | |
| $330.00 | |
| n/a | |
| n/a | |
| $299.00 yearly | |
| $0.00 |
| $150,000 | |
| $2,000,000 | |
| none | |
| 80.00% |
| Investor | |
| Principal & Interest | |
| Weekly, Fortnightly, Monthly | |
| yes - free | |
| no | |
| yes - free | |
| $0.00 | |
| yes | |
| yes | |
| Valuation and settlement fee charged at cost. Valuation fee show is the average. | |
| none | |
| none |
WARNING: This comparison rate applies only to the example or examples given. Different amounts and terms will result in different comparison rates. Costs such as redraw fees or early repayment fees, and cost savings such as fee waivers, are not included in the comparison rate but may influence the cost of the loan. The comparison rate displayed is for a secured loan with monthly principal and interest repayments for $150,000 over 25 years.
| 2.39% p.a. | |
| n/a | |
| n/a | |
| n/a | |
| 2.74% p.a. | |
| n/a | |
| n/a | |
| n/a | |
| n/a | |
| n/a | |
| n/a | |
| n/a | |
| n/a |
| $0.00 | |
| $0.00 | |
| $330.00 | |
| n/a | |
| n/a | |
| $299.00 yearly | |
| $0.00 |
| $150,000 | |
| $2,000,000 | |
| none | |
| 70.00% |
| Investor | |
| Principal & Interest | |
| Weekly, Fortnightly, Monthly | |
| yes - free | |
| no | |
| yes - free | |
| $0.00 | |
| yes | |
| yes | |
| Valuation and settlement fee charged at cost. Valuation fee show is the average. | |
| none | |
| none |
WARNING: This comparison rate applies only to the example or examples given. Different amounts and terms will result in different comparison rates. Costs such as redraw fees or early repayment fees, and cost savings such as fee waivers, are not included in the comparison rate but may influence the cost of the loan. The comparison rate displayed is for a secured loan with monthly principal and interest repayments for $150,000 over 25 years.
| 3.31% p.a. | |
| n/a | |
| n/a | |
| n/a | |
| 3.64% p.a. | |
| n/a | |
| n/a | |
| n/a | |
| n/a | |
| n/a | |
| n/a | |
| n/a | |
| n/a |
| $0.00 | |
| $0.00 | |
| $330.00 | |
| n/a | |
| n/a | |
| $299.00 yearly | |
| $0.00 |
| $150,000 | |
| $2,000,000 | |
| 80.00% | |
| 90.00% |
| Investor | |
| Principal & Interest | |
| Weekly, Fortnightly, Monthly | |
| yes - free | |
| no | |
| yes - free | |
| $0.00 | |
| yes | |
| yes | |
| Valuation and settlement fee charged at cost. Valuation fee show is the average. | |
| none | |
| none |
WARNING: This comparison rate applies only to the example or examples given. Different amounts and terms will result in different comparison rates. Costs such as redraw fees or early repayment fees, and cost savings such as fee waivers, are not included in the comparison rate but may influence the cost of the loan. The comparison rate displayed is for a secured loan with monthly principal and interest repayments for $150,000 over 25 years.
| 3.51% p.a. | |
| n/a | |
| n/a | |
| n/a | |
| 3.84% p.a. | |
| n/a | |
| n/a | |
| n/a | |
| n/a | |
| n/a | |
| n/a | |
| n/a | |
| n/a |
| $0.00 | |
| $0.00 | |
| $330.00 | |
| n/a | |
| n/a | |
| $299.00 yearly | |
| $0.00 |
| $150,000 | |
| $2,000,000 | |
| 90.00% | |
| 95.00% |
| Investor | |
| Principal & Interest | |
| Weekly, Fortnightly, Monthly | |
| yes - free | |
| no | |
| yes - free | |
| $0.00 | |
| yes | |
| yes | |
| Valuation and settlement fee charged at cost. Valuation fee show is the average. | |
| none | |
| none |
WARNING: This comparison rate applies only to the example or examples given. Different amounts and terms will result in different comparison rates. Costs such as redraw fees or early repayment fees, and cost savings such as fee waivers, are not included in the comparison rate but may influence the cost of the loan. The comparison rate displayed is for a secured loan with monthly principal and interest repayments for $150,000 over 25 years.
| 2.89% p.a. | |
| n/a | |
| n/a | |
| n/a | |
| 3.23% p.a. | |
| n/a | |
| n/a | |
| n/a | |
| n/a | |
| n/a | |
| n/a | |
| n/a | |
| n/a |
| $0.00 | |
| $0.00 | |
| $330.00 | |
| n/a | |
| n/a | |
| $299.00 yearly | |
| $0.00 |
| $150,000 | |
| $2,000,000 | |
| none | |
| 80.00% |
| Investor | |
| Interest Only | |
| Weekly, Fortnightly, Monthly | |
| yes - free | |
| no | |
| yes - free | |
| $0.00 | |
| yes | |
| yes | |
| Valuation and settlement fee charged at cost. Valuation fee show is the average. | |
| none | |
| none |
WARNING: This comparison rate applies only to the example or examples given. Different amounts and terms will result in different comparison rates. Costs such as redraw fees or early repayment fees, and cost savings such as fee waivers, are not included in the comparison rate but may influence the cost of the loan. The comparison rate displayed is for a secured loan with monthly principal and interest repayments for $150,000 over 25 years.
| 2.79% p.a. | |
| n/a | |
| n/a | |
| n/a | |
| 3.13% p.a. | |
| n/a | |
| n/a | |
| n/a | |
| n/a | |
| n/a | |
| n/a | |
| n/a | |
| n/a |
| $0.00 | |
| $0.00 | |
| $330.00 | |
| n/a | |
| n/a | |
| $299.00 yearly | |
| $0.00 |
| $150,000 | |
| $2,000,000 | |
| none | |
| 70.00% |
| Investor | |
| Interest Only | |
| Weekly, Fortnightly, Monthly | |
| yes - free | |
| no | |
| yes - free | |
| $0.00 | |
| yes | |
| yes | |
| Valuation and settlement fee charged at cost. Valuation fee show is the average. | |
| none | |
| none |
WARNING: This comparison rate applies only to the example or examples given. Different amounts and terms will result in different comparison rates. Costs such as redraw fees or early repayment fees, and cost savings such as fee waivers, are not included in the comparison rate but may influence the cost of the loan. The comparison rate displayed is for a secured loan with monthly principal and interest repayments for $150,000 over 25 years.
| 3.46% p.a. | |
| n/a | |
| n/a | |
| n/a | |
| 3.79% p.a. | |
| n/a | |
| n/a | |
| n/a | |
| n/a | |
| n/a | |
| n/a | |
| n/a | |
| n/a |
| $0.00 | |
| $0.00 | |
| $330.00 | |
| n/a | |
| n/a | |
| $299.00 yearly | |
| $0.00 |
| $150,000 | |
| $2,000,000 | |
| 80.00% | |
| 90.00% |
| Investor | |
| Interest Only | |
| Weekly, Fortnightly, Monthly | |
| yes - free | |
| no | |
| yes - free | |
| $0.00 | |
| yes | |
| yes | |
| Valuation and settlement fee charged at cost. Valuation fee show is the average. | |
| none | |
| none |
WARNING: This comparison rate applies only to the example or examples given. Different amounts and terms will result in different comparison rates. Costs such as redraw fees or early repayment fees, and cost savings such as fee waivers, are not included in the comparison rate but may influence the cost of the loan. The comparison rate displayed is for a secured loan with monthly principal and interest repayments for $150,000 over 25 years.
| 3.66% p.a. | |
| n/a | |
| n/a | |
| n/a | |
| 3.99% p.a. | |
| n/a | |
| n/a | |
| n/a | |
| n/a | |
| n/a | |
| n/a | |
| n/a | |
| n/a |
| $0.00 | |
| $0.00 | |
| $330.00 | |
| n/a | |
| n/a | |
| $299.00 yearly | |
| $0.00 |
| $150,000 | |
| $2,000,000 | |
| 90.00% | |
| 95.00% |
| Investor | |
| Interest Only | |
| Weekly, Fortnightly, Monthly | |
| yes - free | |
| no | |
| yes - free | |
| $0.00 | |
| yes | |
| yes | |
| Valuation and settlement fee charged at cost. Valuation fee show is the average. | |
| none | |
| none |
WARNING: This comparison rate applies only to the example or examples given. Different amounts and terms will result in different comparison rates. Costs such as redraw fees or early repayment fees, and cost savings such as fee waivers, are not included in the comparison rate but may influence the cost of the loan. The comparison rate displayed is for a secured loan with monthly principal and interest repayments for $150,000 over 25 years.
I'm not feeling very confidence in Resimac lender. Contract of Sale was signed and "Formal Approval" was granted Feb 2021 by Resimac in writing. Settlement was delay by Vendor for 8 months. Broker communicated with Resimac and inform them of the delay and was told - all was in order in regards to documents and there has been no changes to my financial situation. 22 hours until settlement and I was told, Resimac needs to re-accessed the loan documents again, basically I have had to reapply for the loan process and it will take at least 3 weeks. Vendor asked for penalty interest 12% on purchased priced. Just wish they had told me the formal approval loan will expired at 6 months. Not 22 hours to settlement and then tell me.
Read full reviewI'm not feeling very confidence in Resimac lender. Contract of Sale was signed and "Formal Approval" was granted Feb 2021 by Resimac in writing. Settlement was delay by Vendor for 8 months. Broker communicated with Resimac and inform them of the delay and was told - all was in order in regards to documents and there has been no changes to my financial situation. 22 hours until settlement and I was told, Resimac needs to re-accessed the loan documents again, basically I have had to reapply for the loan process and it will take at least 3 weeks. Vendor asked for penalty interest 12% on purchased priced. Just wish they had told me the formal approval loan will expired at 6 months. Not 22 hours to settlement and then tell me.
Excellent rate. Just have to be wary that redrawing from the offset account can take a day - due to them being a securitised lender and not a deposit taking lender.
Read full reviewExcellent rate. Just have to be wary that redrawing from the offset account can take a day - due to them being a securitised lender and not a deposit taking lender.
Interest rates are way too high, currently paying 6.8%.
Read full reviewInterest rates are way too high, currently paying 6.8%.
loans.com.au
Smart Booster Home Loan
1.85% p.a.variable for 24 months and then 2.25% p.a. variable
2.21% p.a.
loans.com.au
Smart Booster Home Loan
1.85% p.a.variable for 24 months and then 2.25% p.a. variable
2.21% p.a.
Newcastle Permanent
Fixed Rate Home Loan (Premium Plus Package)
2.09% p.a.
fixed 3 years
3.58% p.a.
loans.com.au
Smart Booster Home Loan
1.85% p.a.variable for 24 months and then 2.25% p.a.
2.21% p.a.
Newcastle Permanent
Fixed Rate Home Loan (Premium Plus Package)
2.09% p.a.
fixed 3 years
3.58% p.a.
loans.com.au
Smart Booster Home Loan
1.85% p.a.variable for 24 months and then 2.25% p.a.
2.21% p.a.
$0.00
Bank of Queensland
Economy
1.98% p.a.
2.15% p.a.
$10.00 monthly
WARNING: This comparison rate applies only to the example or examples given. Different amounts and terms will result in different comparison rates. Costs such as redraw fees or early repayment fees, and cost savings such as fee waivers, are not included in the comparison rate but may influence the cost of the loan. The comparison rate displayed is for a secured loan with monthly principal and interest repayments for $150,000 over 25 years.
