Resi home loan reviews

Resi
Resi's overall rating for home loans

(as rated by the Mozo community)

7.1 / 10

based on 32 reviews

Price

Features

Customer service

Convenience

Trust

Featured home loan from Resi

Recent Resi home loan reviews

Resi

Resi home loan review

Overall rating   1 / 10

Dishonest on fees

I urge anyone considering using Resi, please find another as they charge fees without consulting you even though they say there would be no fees. When the matter is raised they are quite offensive and refuse to resolve the matter.

Full review

I urge anyone considering using Resi, please find another as they charge fees without consulting you even though they say there would be no fees. When the matter is raised they are quite offensive and refuse to resolve the matter.

    Price   5 / 10

    Features   7 / 10

    Customer service   0 / 10

    Convenience   5 / 10

    Trust   0 / 10

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Glenn, Queensland, reviewed about 3 years ago

Resi

Resi home loan review

Overall rating   1 / 10

bad news broker

Spoke to a Broker Margaret on goldcoast , Provided Heaps of information , went away to find out home loan details of products , never heard from again, sent email asking for my original documents to be sent back ,no reply no docs ,cost me money...

Full review

Spoke to a Broker Margaret on goldcoast , Provided Heaps of information , went away to find out home loan details of products , never heard from again, sent email asking for my original documents to be sent back ,no reply no docs ,cost me money to obtain new docs.

    Price   2 / 10

    Features   2 / 10

    Customer service   1 / 10

    Convenience   2 / 10

    Trust   0 / 10

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Peter, Queensland, reviewed almost 4 years ago

Resi

Resi home loan review

Overall rating   10 / 10

Competitive features and great customer service

Being a single mum they gave me my dream, my home loan which others wouldn't do and I have been with them for forever now.

Full review

Being a single mum they gave me my dream, my home loan which others wouldn't do and I have been with them for forever now.

    Price   10 / 10

    Features   10 / 10

    Customer service   10 / 10

    Convenience   10 / 10

    Trust   10 / 10

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Maria , New South Wales, reviewed almost 5 years ago

Resi

Resi Flexi Options Home Loan 80 (Owner Occupier) home loan review

Overall rating   1 / 10

Terrible service, too slow

While Resi was great to get a loan through in the beginning, now that I am selling they are dragging out the release of the title, so much so that it may look like I might lose the sale. It has been 8 months of he said she said, between the...

Full review

While Resi was great to get a loan through in the beginning, now that I am selling they are dragging out the release of the title, so much so that it may look like I might lose the sale. It has been 8 months of he said she said, between the conveyancer and Resi Home loans. Not good enough.

    Price   7 / 10

    Features   7 / 10

    Customer service   1 / 10

    Convenience   1 / 10

    Trust   1 / 10

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Robert, South Australia, reviewed about 5 years ago

Resi

Resi home loan review

Overall rating   9 / 10

Flexible

Resi backed us up when no one else would to live the Australian dream!

Full review

Resi backed us up when no one else would to live the Australian dream!

    Price   8 / 10

    Features   8 / 10

    Customer service   10 / 10

    Convenience   10 / 10

    Trust   10 / 10

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Mozo reviewer, , reviewed about 5 years ago

Resi

Resi home loan review

Overall rating   10 / 10

Competitive pricing, customer service,availability

It is not a Bank but a Mortgage originator. Hasve great products with no ongoing fees, service is available either through Branch or Group Office and no need to go through the jargon from an overseas or Phone operator to obtain someone to liase...

Full review

It is not a Bank but a Mortgage originator. Hasve great products with no ongoing fees, service is available either through Branch or Group Office and no need to go through the jargon from an overseas or Phone operator to obtain someone to liase with. You actually speak to people who complete,intiate and settle loan, with after sales service from same Office or head office if not available.

    Price   10 / 10

    Features   10 / 10

    Customer service   10 / 10

    Convenience   9 / 10

    Trust   10 / 10

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Name not supplied, Victoria, reviewed about 5 years ago

Resi

Resi home loan review

Overall rating   10 / 10

Good customer service

Deal with Resi itself, and not outside advisers. Staff are very good and helpful.

Full review

Deal with Resi itself, and not outside advisers. Staff are very good and helpful.

    Price   6 / 10

    Features   4 / 10

    Customer service   2 / 10

    Trust   5 / 10

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Graham, Victoria, reviewed about 5 years ago

Resi

Resi home loan review

Overall rating   5 / 10

Once competitive, but now just another franchise

This home loan was once getting awarded for its great rate and flexible features. But somewhere along the line it got franchised out. The rate started getting worse and worse and we got bombarded with offers for all sorts of unrelated products and...

Full review

This home loan was once getting awarded for its great rate and flexible features. But somewhere along the line it got franchised out. The rate started getting worse and worse and we got bombarded with offers for all sorts of unrelated products and schemes.

    Price   3 / 10

    Features   9 / 10

    Convenience   9 / 10

    Trust   5 / 10

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Name not supplied, South Australia, reviewed over 5 years ago

Resi

Resi home loan review

Overall rating   8 / 10

Everything I need in a home loan facility.

Online access makes it easy. Phone staff are approachable and polite. Flexibility of early repayments and a low interest rate really suits my needs.

Full review

Online access makes it easy. Phone staff are approachable and polite. Flexibility of early repayments and a low interest rate really suits my needs.

    Price   7 / 10

    Features   5 / 10

    Customer service   9 / 10

    Convenience   3 / 10

    Trust   7 / 10

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Name not supplied, Queensland, reviewed over 5 years ago

Resi

Resi home loan review

Overall rating   8 / 10

Good rates and excellent customer service

I have several loans with them and they have been great in quickly passing on reduced rates. When buying/selling a property, they are very helpful with organising the finance, and the local manager is just a phone call away.

Full review

I have several loans with them and they have been great in quickly passing on reduced rates. When buying/selling a property, they are very helpful with organising the finance, and the local manager is just a phone call away.

    Price   8 / 10

    Features   8 / 10

    Customer service   8 / 10

    Convenience   8 / 10

    Trust   8 / 10

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Des, Queensland, reviewed almost 6 years ago

Resi

Resi home loan review

Overall rating   10 / 10

Brillant service and one of the best rates availab

Dealing with Resi is a pleasure. Their service leaves any bank for dead.

Full review

Dealing with Resi is a pleasure. Their service leaves any bank for dead.

    Price   10 / 10

    Features   10 / 10

    Customer service   10 / 10

    Convenience   10 / 10

    Trust   10 / 10

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Steve, New South Wales, reviewed over 6 years ago

Resi

Resi home loan review

Overall rating   10 / 10

Makes you feel special

They treat you like a person not a number and this makes me feel really special. It is also good to talk to a real person not an answering service!

Full review

They treat you like a person not a number and this makes me feel really special. It is also good to talk to a real person not an answering service!

    Price   10 / 10

    Features   10 / 10

    Customer service   10 / 10

    Convenience   10 / 10

    Trust   10 / 10

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Phyl, New South Wales, reviewed over 6 years ago

Resi

Resi home loan review

Overall rating   2 / 10

The late fee accumulation was not explained properly. I accumulated over $1000 in fees from this lender and the customer service provided no ways of mitigating this.

Full review

The late fee accumulation was not explained properly. I accumulated over $1000 in fees from this lender and the customer service provided no ways of mitigating this.

    Price   2 / 10

    Features   3 / 10

    Customer service   1 / 10

    Convenience   3 / 10

    Trust   2 / 10

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Alexander, New South Wales, reviewed about 7 years ago

Resi

Resi home loan review

Overall rating   8 / 10

Great home loan for first home buyers. Easy to understand terms and conditions, redraw facility and a really competitive interest rate. Easy to keep track of balance, repayments and transaction history through internet banking. Only had option...

Full review

Great home loan for first home buyers. Easy to understand terms and conditions, redraw facility and a really competitive interest rate. Easy to keep track of balance, repayments and transaction history through internet banking. Only had option of monthly repayments but as it allows for direct salary credits I am effectively paying fortnightly which will knock years off the loan in the end. Only downsides are no ability to have an offset account and exit fees.

    Price   10 / 10

    Features   8 / 10

    Customer service   10 / 10

    Convenience   8 / 10

    Trust   10 / 10

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Louise, Western Australia, reviewed over 7 years ago

Resi

Resi home loan review

Overall rating   7 / 10

Resi offers very competitive rates but is difficult to contact and is inconvenient in terms of branches. It has only one in Sydney in Ultimo. It also seems driven by the larger banks and not really a small, independent community bank as it...

Full review

Resi offers very competitive rates but is difficult to contact and is inconvenient in terms of branches. It has only one in Sydney in Ultimo. It also seems driven by the larger banks and not really a small, independent community bank as it proports to be.

    Price   7 / 10

    Features   8 / 10

    Customer service   5 / 10

    Convenience   2 / 10

    Trust   6 / 10

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Jennifer, New South Wales, reviewed over 7 years ago

Resi

Resi home loan review

Overall rating   10 / 10

Given ALL the 4 big banks said "No", (they don't seem to understand refinancing as a result of a divorce) Resi came through and did so in very quick time. This is one huge burden of my shoulders, and I can't thank Anton at Resi Joondalup (WA)...

Full review

Given ALL the 4 big banks said "No", (they don't seem to understand refinancing as a result of a divorce) Resi came through and did so in very quick time. This is one huge burden of my shoulders, and I can't thank Anton at Resi Joondalup (WA) for his professionalism and understanding on so many fronts...

    Price   9 / 10

    Features   6 / 10

    Customer service   10 / 10

    Convenience   7 / 10

    Trust   10 / 10

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Lyndsay, Western Australia, reviewed almost 8 years ago

Resi

Resi home loan review

Overall rating   3 / 10

cons are that the initial attraction of low interest rate means that you have to put up with with poor customer service and no regular loan statements offered unless requested. Not able to offer prepaid interest for tax

Full review

cons are that the initial attraction of low interest rate means that you have to put up with with poor customer service and no regular loan statements offered unless requested. Not able to offer prepaid interest for tax

    Price   6 / 10

    Features   4 / 10

    Customer service   3 / 10

    Convenience   1 / 10

    Trust   3 / 10

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Kristin, New South Wales, reviewed about 8 years ago

Resi

Resi home loan review

Overall rating   8 / 10

Helpful proactive staff. Good service. Great product. Good competitive rates. Nothing bad to say about them at all.

Full review

Helpful proactive staff. Good service. Great product. Good competitive rates. Nothing bad to say about them at all.

    Price   10 / 10

    Features   5 / 10

    Customer service   10 / 10

    Convenience   5 / 10

    Trust   10 / 10

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Name not supplied, New South Wales, reviewed about 8 years ago

Resi

Resi home loan review

Overall rating   2 / 10

We had a building/construction loan through Resi. The office in Adelaide closed down and we were forced to deal with a guy in Sydney over the phone who had no idea what was going on. I had to constantly explain to him how the construction loan...

Full review

We had a building/construction loan through Resi. The office in Adelaide closed down and we were forced to deal with a guy in Sydney over the phone who had no idea what was going on. I had to constantly explain to him how the construction loan worked as I had built a house before. They never paid the correct progress payments to the builder and it was constant stress the entire process. The people that work for Resi do not even understand simple finances. The bank we are with now have made our life so much simpler and have done all the work for us. Their customer service has been 100% better than what Resi were like.

    Price   4 / 10

    Features   7 / 10

    Customer service   0 / 10

    Convenience   4 / 10

    Trust   0 / 10

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Name not supplied, South Australia, reviewed about 8 years ago

Resi

Resi home loan review

Overall rating   10 / 10

Great and simple and nothing hidden.

Full review

Great and simple and nothing hidden.

    Price   9 / 10

    Features   8 / 10

    Customer service   9 / 10

    Convenience   9 / 10

    Trust   9 / 10

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Sonya, New South Wales, reviewed over 8 years ago

Resi

Resi home loan review

Overall rating   9 / 10

Saved us thousands of dollars.

Full review

Saved us thousands of dollars.

    Price   8 / 10

    Features   8 / 10

    Customer service   7 / 10

    Convenience   8 / 10

    Trust   8 / 10

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Shelly, Queensland, reviewed over 8 years ago

Resi

Resi home loan review

Overall rating   9 / 10

Resi have great staff!! They really care about you as an individual rather than as a number.

Full review

Resi have great staff!! They really care about you as an individual rather than as a number.

    Price   9 / 10

    Features   9 / 10

    Customer service   10 / 10

    Convenience   9 / 10

    Trust   10 / 10

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Cassandra, New South Wales, reviewed about 9 years ago

Resi

Resi home loan review

Overall rating   7 / 10

I recently got another loan with Resi. My application was approved within five days and settlement was not delayed at all. We were very happy!

Full review

I recently got another loan with Resi. My application was approved within five days and settlement was not delayed at all. We were very happy!

    Price   7 / 10

    Features   6 / 10

    Customer service   9 / 10

    Convenience   8 / 10

    Trust   7 / 10

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, New South Wales, reviewed over 9 years ago

Resi

Resi home loan review

Overall rating   6 / 10

Once you get hold of someone they are easy to deal with, the problem is getting hold of someone that knows your details

Full review

Once you get hold of someone they are easy to deal with, the problem is getting hold of someone that knows your details

    Price   5 / 10

    Features   5 / 10

    Customer service   6 / 10

    Convenience   5 / 10

    Trust   6 / 10

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Name not supplied, Queensland, reviewed about 10 years ago

Resi

Resi home loan review

Overall rating   9 / 10

Having a personal contact for the lifetime of the loan is wonderful.

Full review

Having a personal contact for the lifetime of the loan is wonderful.

    Price   8 / 10

    Features   10 / 10

    Customer service   10 / 10

    Convenience   8 / 10

    Trust   9 / 10

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Name not supplied, New South Wales, reviewed about 10 years ago

Mozo may receive a payment from financial providers listed on the site. Customer reviews are in no way affected by any commercial relationships Mozo has with providers. Reviewers may receive a voucher from Mozo in exchange for their review. Vouchers are given to all reviewers who meet our review guidelines regardless of the sentiment of their reviews.

Home loan comparisons on Mozo - rates updated daily

  • MOZO EXPERTS CHOICE AWARDS 2018

    loans.com.au Essentials Variable 80 (Owner Occupier, Principal & Interest)

    loans.com.au Essentials Variable 80 (Owner Occupier, Principal & Interest)

    • A super-low rate available to purchases & refinance
    • No monthly fees, Redraw facility with no minimum
    • Split loan facility – up to five free splits with fixed rate or identical variable loan product

    interest rate

    3.64% p.a. variable

    comparison rate*

    3.66% p.a.

    upfront fees

    $520

    Go to site

    More info

    • A super-low rate available to purchases & refinance
    • No monthly fees, Redraw facility with no minimum
    • Split loan facility – up to five free splits with fixed rate or identical variable loan product
    • Interest rate: 3.64% p.a. variable
    • Comparison rate*: 3.66% p.a.
    • Upfront fees: $520
    • Ongoing fees: $0.00
    • Discharge fee: $0.00
    • Extra repayments: yes - free
    • Redraw facility: yes - free
    • Offset account: no
    • Maximum loan to value ratio: 80.00%
    • Minimum loan amount: $50,000
    • Maximum loan amount: $2,000,000
    • Type of loan: Variable
    • Repayment types: Principal & Interest
    • Availability: Owner Occupier
    • Repayment options: Weekly, Fortnightly, Monthly
    Overall rating

    8.2

    Based on 636 loans.com.au home loan reviews

    Need more information?
    Go to site

    More info

  • HSBC Discounted Home Value Loan (Owner Occupier, Principal & Interest)

    HSBC Discounted Home Value Loan (Owner Occupier, Principal & Interest)

    • Owner occupier only
    • Available to new borrowings to HSBC of $50,000 or more
    • Your own Personal Relationship Manager

    interest rate

    3.59% p.a. variable

    comparison rate*

    3.61% p.a.

    upfront fees

    $150

    Go to site

    More info

    • Owner occupier only
    • Available to new borrowings to HSBC of $50,000 or more
    • Your own Personal Relationship Manager
    • Interest rate: 3.59% p.a. variable
    • Comparison rate*: 3.61% p.a.
    • Upfront fees: $150
    • Ongoing fees: $0.00
    • Discharge fee: $300.00
    • Extra repayments: yes - free
    • Redraw facility: yes - free online
    • Offset account: no
    • Maximum loan to value ratio: 90.00%
    • Minimum loan amount: $50,000
    • Maximum loan amount: $7,500,000
    • Type of loan: Variable
    • Repayment types: Principal & Interest
    • Availability: Owner Occupier
    • Repayment options: Weekly, Fortnightly, Monthly
    Overall rating

    7.0

    Based on 109 HSBC home loan reviews

    Need more information?
    Go to site

    More info

  • UBank UHomeLoan - Discount Offer (Owner Occupier, Principal & Interest)

    UBank UHomeLoan - Discount Offer (Owner Occupier, Principal & Interest)

    • A Low rate Home Loan with $0 application fees for variable rate, $0 ongoing fees, $0 annual fees
    • Choose between weekly, fortnightly or monthly repayments and make extra repayments for free on a variable rate home loan
    • 20% minimum deposit required

    interest rate

    3.59% p.a. variable

    comparison rate*

    3.59% p.a.

    upfront fees

    $0

    Go to site

    More info

    • A Low rate Home Loan with $0 application fees for variable rate, $0 ongoing fees, $0 annual fees
    • Choose between weekly, fortnightly or monthly repayments and make extra repayments for free on a variable rate home loan
    • 20% minimum deposit required
    • Interest rate: 3.59% p.a. variable
    • Comparison rate*: 3.59% p.a.
    • Upfront fees: $0
    • Ongoing fees: $0.00
    • Discharge fee: $0.00
    • Extra repayments: yes - free
    • Redraw facility: yes
    • Offset account: no
    • Maximum loan to value ratio: 80.00%
    • Minimum loan amount: $200,000
    • Maximum loan amount: $699,999
    • Type of loan: Variable
    • Repayment types: Principal & Interest
    • Availability: Owner Occupier
    • Repayment options: Weekly, Fortnightly, Monthly
    Overall rating

    5.2

    Based on 111 UBank home loan reviews

    Need more information?
    Go to site

    More info

  • Queensland Country Credit Union Discount Ultimate Home Loan Special (Principal & Interest, LVR<90%) (Package)

    Queensland Country Credit Union Discount Ultimate Home Loan Special (Principal & Interest, LVR<90%) (Package)

    • Available for Owner Occupied or Residential Investment purposes
    • Fully featured home loan including 100% offset and redraw (Owner Occupied loans only)
    • Bank with Queensland’s largest regionally based, Member-owned Credit Union

    interest rate

    3.61% p.a. variable

    comparison rate*

    3.97% p.a.

    upfront fees

    $0

    Go to site

    More info

    • Available for Owner Occupied or Residential Investment purposes
    • Fully featured home loan including 100% offset and redraw (Owner Occupied loans only)
    • Bank with Queensland’s largest regionally based, Member-owned Credit Union
    • Interest rate: 3.61% p.a. variable
    • Comparison rate*: 3.97% p.a.
    • Upfront fees: $0
    • Ongoing fees: $350.00 yearly
    • Discharge fee: $0.00
    • Extra repayments: yes - free
    • Redraw facility: yes - free
    • Offset account: yes
    • Maximum loan to value ratio: 90.00%
    • Minimum loan amount: $100,000
    • Maximum loan amount: $5,000,000
    • Type of loan: Variable
    • Repayment types: Principal & Interest
    • Availability: Owner Occupier, Investor
    • Repayment options: Weekly, Fortnightly, Monthly
    Overall rating

    9.4

    Based on 22 Queensland Country Credit Union home loan reviews

    Need more information?
    Go to site

    More info

  • Well Home Loans Well Balanced (Owner Occupier, Principal & Interest, LVR <80%)

    Well Home Loans Well Balanced (Owner Occupier, Principal & Interest, LVR <80%)

    • Well Balanced home loan is a low rate home loan with free online redraw and no valuation fee.
    • Purchase, Refinance or Equity Release purposes allowed
    • Optional 100% interest offset sub-account with Visa debit card access

    interest rate

    3.49% p.a. variable

    comparison rate*

    3.53% p.a.

    upfront fees

    $600

    Go to site

    More info

    • Well Balanced home loan is a low rate home loan with free online redraw and no valuation fee.
    • Purchase, Refinance or Equity Release purposes allowed
    • Optional 100% interest offset sub-account with Visa debit card access
    • Interest rate: 3.49% p.a. variable
    • Comparison rate*: 3.53% p.a.
    • Upfront fees: $600
    • Ongoing fees: $0.00
    • Discharge fee: $300.00
    • Extra repayments: yes - free
    • Redraw facility: yes - free
    • Offset account: yes - $10/month
    • Maximum loan to value ratio: 80.00%
    • Minimum loan amount: $10,000
    • Maximum loan amount: $2,000,000
    • Type of loan: Variable
    • Repayment types: Principal & Interest
    • Availability: Owner Occupier
    • Repayment options: Weekly, Fortnightly, Monthly
    Need more information?
    Go to site

    More info

*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.

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*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.

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