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

  • 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

Rate
2.39% p.a.
Comparison Rate
2.76% p.a.
Service fee
$299.00 yearly
Upfront fee
$330
Rate
2.29% p.a.
Comparison Rate
2.66% p.a.
Service fee
$299.00 yearly
Upfront fee
$330
Rate
3.06% p.a.
Comparison Rate
3.41% p.a.
Service fee
$299.00 yearly
Upfront fee
$330
Rate
3.26% p.a.
Comparison Rate
3.61% p.a.
Service fee
$299.00 yearly
Upfront fee
$330
Rate
2.79% p.a.
Comparison Rate
3.13% p.a.
Service fee
$299.00 yearly
Upfront fee
$330
Rate
2.69% p.a.
Comparison Rate
3.03% p.a.
Service fee
$299.00 yearly
Upfront fee
$330
Rate
2.64% p.a.
Comparison Rate
2.98% p.a.
Service fee
$299.00 yearly
Upfront fee
$330
Rate
2.54% p.a.
Comparison Rate
2.89% p.a.
Service fee
$299.00 yearly
Upfront fee
$330
Rate
3.31% p.a.
Comparison Rate
3.64% p.a.
Service fee
$299.00 yearly
Upfront fee
$330
Rate
3.51% p.a.
Comparison Rate
3.84% p.a.
Service fee
$299.00 yearly
Upfront fee
$330
Rate
3.04% p.a.
Comparison Rate
3.38% p.a.
Service fee
$299.00 yearly
Upfront fee
$330
Rate
2.94% p.a.
Comparison Rate
3.28% p.a.
Service fee
$299.00 yearly
Upfront fee
$330
Rate
3.46% p.a.
Comparison Rate
3.79% p.a.
Service fee
$299.00 yearly
Upfront fee
$330
Rate
3.66% p.a.
Comparison Rate
3.99% p.a.
Service fee
$299.00 yearly
Upfront fee
$330

Mozo editorial review Resimac Prime Flex - last updated: 18 March 2021

binocular icon
What's hot
  • Low variable rates from 2.29% (2.66% comparison rate*) for <70% LVR
  • 100% offset account
  • As little as 5% deposit required
  • 2021 Mozo Experts Choice Award winner
What's not
  • $299 yearly service fee
Mozo snapshot

The Resimac Prime Flex home loan is packed with value, offering ultra low variable rates from 2.29% (2.66% 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! 


key icon
Key features

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:

  • 2.29% (2.66% comparison rate*) for up to 70% LVR

  • 2.39% (2.76% 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. 


snapshot
Who is it good for

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.


question icon
Any catches

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. 


Details

Rates and fees information correct as at 22 September 2021. Mozo has robust processes to ensure our site is updated to reflect the latest information from providers. There may be the odd occasion where updates are delayed, so please confirm information before purchasing.
Rates

2.39% p.a.

n/a

n/a

n/a

2.76% p.a.

n/a

n/a

n/a

n/a

n/a

n/a

n/a

n/a

Fees

$0.00

$0.00

$330.00

n/a

n/a

$299.00 yearly

$0.00

Other financial bits

$150,000

$2,000,000

none

80.00%

Features

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.

Details

Rates and fees information correct as at 22 September 2021. Mozo has robust processes to ensure our site is updated to reflect the latest information from providers. There may be the odd occasion where updates are delayed, so please confirm information before purchasing.
Rates

2.29% p.a.

n/a

n/a

n/a

2.66% p.a.

n/a

n/a

n/a

n/a

n/a

n/a

n/a

n/a

Fees

$0.00

$0.00

$330.00

n/a

n/a

$299.00 yearly

$0.00

Other financial bits

$150,000

$2,000,000

none

70.00%

Features

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.

Details

Rates and fees information correct as at 22 September 2021. Mozo has robust processes to ensure our site is updated to reflect the latest information from providers. There may be the odd occasion where updates are delayed, so please confirm information before purchasing.
Rates

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

Fees

$0.00

$0.00

$330.00

n/a

n/a

$299.00 yearly

$0.00

Other financial bits

$150,000

$2,000,000

80.00%

90.00%

Features

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.

Details

Rates and fees information correct as at 22 September 2021. Mozo has robust processes to ensure our site is updated to reflect the latest information from providers. There may be the odd occasion where updates are delayed, so please confirm information before purchasing.
Rates

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

Fees

$0.00

$0.00

$330.00

n/a

n/a

$299.00 yearly

$0.00

Other financial bits

$150,000

$2,000,000

90.00%

95.00%

Features

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.

Details

Rates and fees information correct as at 22 September 2021. Mozo has robust processes to ensure our site is updated to reflect the latest information from providers. There may be the odd occasion where updates are delayed, so please confirm information before purchasing.
Rates

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

Fees

$0.00

$0.00

$330.00

n/a

n/a

$299.00 yearly

$0.00

Other financial bits

$150,000

$2,000,000

none

80.00%

Features

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.

Details

Rates and fees information correct as at 22 September 2021. Mozo has robust processes to ensure our site is updated to reflect the latest information from providers. There may be the odd occasion where updates are delayed, so please confirm information before purchasing.
Rates

2.69% p.a.

n/a

n/a

n/a

3.03% p.a.

n/a

n/a

n/a

n/a

n/a

n/a

n/a

n/a

Fees

$0.00

$0.00

$330.00

n/a

n/a

$299.00 yearly

$0.00

Other financial bits

$150,000

$2,000,000

none

70.00%

Features

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.

Details

Rates and fees information correct as at 22 September 2021. Mozo has robust processes to ensure our site is updated to reflect the latest information from providers. There may be the odd occasion where updates are delayed, so please confirm information before purchasing.
Rates

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

Fees

$0.00

$0.00

$330.00

n/a

n/a

$299.00 yearly

$0.00

Other financial bits

$150,000

$2,000,000

none

80.00%

Features

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.

Details

Rates and fees information correct as at 22 September 2021. Mozo has robust processes to ensure our site is updated to reflect the latest information from providers. There may be the odd occasion where updates are delayed, so please confirm information before purchasing.
Rates

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

Fees

$0.00

$0.00

$330.00

n/a

n/a

$299.00 yearly

$0.00

Other financial bits

$150,000

$2,000,000

none

70.00%

Features

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.

Details

Rates and fees information correct as at 22 September 2021. Mozo has robust processes to ensure our site is updated to reflect the latest information from providers. There may be the odd occasion where updates are delayed, so please confirm information before purchasing.
Rates

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

Fees

$0.00

$0.00

$330.00

n/a

n/a

$299.00 yearly

$0.00

Other financial bits

$150,000

$2,000,000

80.00%

90.00%

Features

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.

Details

Rates and fees information correct as at 22 September 2021. Mozo has robust processes to ensure our site is updated to reflect the latest information from providers. There may be the odd occasion where updates are delayed, so please confirm information before purchasing.
Rates

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

Fees

$0.00

$0.00

$330.00

n/a

n/a

$299.00 yearly

$0.00

Other financial bits

$150,000

$2,000,000

90.00%

95.00%

Features

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.

Details

Rates and fees information correct as at 22 September 2021. Mozo has robust processes to ensure our site is updated to reflect the latest information from providers. There may be the odd occasion where updates are delayed, so please confirm information before purchasing.
Rates

3.04% p.a.

n/a

n/a

n/a

3.38% p.a.

n/a

n/a

n/a

n/a

n/a

n/a

n/a

n/a

Fees

$0.00

$0.00

$330.00

n/a

n/a

$299.00 yearly

$0.00

Other financial bits

$150,000

$2,000,000

none

80.00%

Features

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.

Details

Rates and fees information correct as at 22 September 2021. Mozo has robust processes to ensure our site is updated to reflect the latest information from providers. There may be the odd occasion where updates are delayed, so please confirm information before purchasing.
Rates

2.94% p.a.

n/a

n/a

n/a

3.28% p.a.

n/a

n/a

n/a

n/a

n/a

n/a

n/a

n/a

Fees

$0.00

$0.00

$330.00

n/a

n/a

$299.00 yearly

$0.00

Other financial bits

$150,000

$2,000,000

none

70.00%

Features

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.

Details

Rates and fees information correct as at 22 September 2021. Mozo has robust processes to ensure our site is updated to reflect the latest information from providers. There may be the odd occasion where updates are delayed, so please confirm information before purchasing.
Rates

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

Fees

$0.00

$0.00

$330.00

n/a

n/a

$299.00 yearly

$0.00

Other financial bits

$150,000

$2,000,000

80.00%

90.00%

Features

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.

Details

Rates and fees information correct as at 22 September 2021. Mozo has robust processes to ensure our site is updated to reflect the latest information from providers. There may be the odd occasion where updates are delayed, so please confirm information before purchasing.
Rates

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

Fees

$0.00

$0.00

$330.00

n/a

n/a

$299.00 yearly

$0.00

Other financial bits

$150,000

$2,000,000

90.00%

95.00%

Features

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.

Customer Reviews

How are Resimac home loans rated by the Mozo community?

Overall
Price
Features
Customer service
Convenience
Trust

Latest reviews of Resimac Prime Flex Home Loan

About Resimac

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.