Resi home loan reviews

Resi
Resi's overall rating for home loans

(as rated by the Mozo community)

6.0 / 10

based on 7 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

Less

Glenn (QLD), reviewed about 2 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

Less

Maria (NSW), reviewed almost 4 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

Less

Robert (SA), reviewed about 4 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 4 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

Less

Mozo reviewer (VIC), reviewed about 4 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

    Convenience   -1 / 10

    Trust   5 / 10

Less

Graham (VIC), reviewed about 4 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

    Customer service   -1 / 10

    Convenience   9 / 10

    Trust   5 / 10

Less

Mozo reviewer (SA), reviewed over 4 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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Mozo reviewer (QLD), reviewed over 4 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 (QLD), reviewed almost 5 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

Less

Steve (NSW), reviewed over 5 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

Less

Phyl (NSW), reviewed over 5 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

Less

Alexander (NSW), reviewed about 6 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

Less

Louise (WA), reviewed over 6 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

Less

Jennifer (NSW), reviewed over 6 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

Less

Lyndsay (WA), reviewed about 7 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

Less

Kristin (NSW), reviewed about 7 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

Less

Mozo reviewer (NSW), reviewed about 7 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

Less

Mozo reviewer (SA), reviewed over 7 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

Less

Sonya (NSW), reviewed over 7 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

Less

Shelly (QLD), reviewed over 7 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

Less

Cassandra (NSW), reviewed about 8 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

Less

(NSW), reviewed over 8 years ago

Resi

Resi home loan review

Overall rating   8 / 10

    Price   9 / 10

    Features   9 / 10

    Customer service   6 / 10

    Convenience   6 / 10

    Trust   8 / 10

Less

Mozo reviewer (VIC), reviewed about 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

Less

Mozo reviewer (QLD), reviewed about 9 years ago

Resi

Resi home loan review

Overall rating   9 / 10

    Price   8 / 10

    Features   8 / 10

    Customer service   9 / 10

    Convenience   8 / 10

    Trust   8 / 10

Less

Mozo reviewer (QLD), reviewed about 9 years ago

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Home loan comparisons on Mozo - rates updated daily

  • MOZO EXPERTS CHOICE AWARDS 2016

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

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

    • A super-low rate available to purchases and 20% minimum deposit required
    • 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

    3.54% p.a. variable

    comparison rate*

    3.56% p.a.

    upfront fees

    $520

    Go to site

    More info

    • A super-low rate available to purchases and 20% minimum deposit required
    • 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: 3.54% p.a. variable
    • Comparison rate*: 3.56% 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: $1,000,000
    • Type of loan: Variable
    • Repayment types: Principal & Interest
    • Availability: Owner Occupier
    • Repayment options: Weekly, Fortnightly, Monthly
    Overall rating

    7.2

    Based on 202 loans.com.au home loan reviews

    Need more information?
    Go to site

    More info

  • MOZO EXPERTS CHOICE AWARDS 2016

    Featured product

     

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

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

    • $0 application fee for variable rate, $0 ongoing fees, $0 annual fees
    • No monthly fees
    • 20% minimum deposit required

    interest rate

    3.62% p.a. variable

    comparison rate*

    3.62% p.a.

    upfront fees

    $0

    Go to site

    More info

    • $0 application fee for variable rate, $0 ongoing fees, $0 annual fees
    • No monthly fees
    • 20% minimum deposit required
    • Interest rate: 3.62% p.a. variable
    • Comparison rate*: 3.62% 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: $700,000
    • Maximum loan amount:
    • Type of loan: Variable
    • Repayment types: Principal & Interest
    • Availability: Owner Occupier
    • Repayment options: Weekly, Fortnightly, Monthly
    Overall rating

    4.8

    Based on 56 UBank home loan reviews

    Need more information?
    Go to site

    More info

  • State Custodians Low Rate Home Loan with Offset (LVR<80%, Owner Occupier, Principal & Interest)

    State Custodians Low Rate Home Loan with Offset (LVR<80%, Owner Occupier, Principal & Interest)

    • $0 Application Fee, Free Redraws, Extra Repayments
    • P&I or Interest Only Up to 5yrs
    • Free 100% Offset Account

    interest rate

    3.64% p.a. variable

    comparison rate*

    3.67% p.a.

    upfront fees

    $286

    Go to site

    More info

    • $0 Application Fee, Free Redraws, Extra Repayments
    • P&I or Interest Only Up to 5yrs
    • Free 100% Offset Account
    • Interest rate: 3.64% p.a. variable
    • Comparison rate*: 3.67% p.a.
    • Upfront fees: $286
    • Ongoing fees: $0.00
    • Discharge fee: $300.00
    • Extra repayments: yes - free
    • Redraw facility: yes - free
    • Offset account: yes
    • Maximum loan to value ratio: 80.00%
    • Minimum loan amount: $100,000
    • Maximum loan amount: $2,000,000
    • Type of loan: Variable
    • Repayment types: Principal & Interest
    • Availability: Owner Occupier
    • Repayment options: Weekly, Fortnightly, Monthly
    Overall rating

    8.7

    Based on 3 State Custodians home loan reviews

    Need more information?
    Go to site

    More info

  • MOZO EXPERTS CHOICE AWARDS 2016

    Newcastle Permanent Discounted Variable Home Loan (Owner Occupier, Principal & Interest) (Premium Plus Package)

    Newcastle Permanent Discounted Variable Home Loan (Owner Occupier, Principal & Interest) (Premium Plus Package)

    • 100% Offset Facility
    • $0 application fee for Personal and Car Loans
    • Additional repayments and redraws at any time

    interest rate

    3.64% p.a. variable

    comparison rate*

    4.03% p.a.

    upfront fees

    $0

    Go to site

    More info

    • 100% Offset Facility
    • $0 application fee for Personal and Car Loans
    • Additional repayments and redraws at any time
    • Interest rate: 3.64% p.a. variable
    • Comparison rate*: 4.03% p.a.
    • Upfront fees: $0
    • Ongoing fees: $395.00 yearly
    • Discharge fee:
    • Extra repayments: yes - free
    • Redraw facility: yes - free
    • Offset account: yes
    • Maximum loan to value ratio: 80.00%
    • Minimum loan amount: $150,000
    • Maximum loan amount:
    • Type of loan: Variable
    • Repayment types: Principal & Interest
    • Availability: Owner Occupier
    • Repayment options: Weekly, Fortnightly, Monthly
    Overall rating

    8.5

    Based on 80 Newcastle Permanent 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

    3.65% p.a. variable

    comparison rate*

    3.66% p.a.

    upfront fees

    $0

    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: 3.65% p.a. variable
    • Comparison rate*: 3.66% p.a.
    • Upfront fees: $0
    • Ongoing fees: $0.00
    • Discharge fee: $300.00
    • Extra repayments: yes - free
    • Redraw facility: yes - free
    • 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

    7.1

    Based on 32 HSBC home loan reviews

    Need more information?
    Go to site

    More info

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*The Comparison Rate combines the lender's interest rate, fees and charges into a single rate to show the true cost of a home loan. The comparison rate displayed is for a secured loan with monthly principal and interest repayments for $150,000 over 25 years, and applies only to this example. Different amounts and terms will result in different comparison rates. Full comparison rate schedules are available from lenders. Costs such as redraw fees or early repayment fees, and savings such as fee waivers, are not included in the comparison rate but may influence the cost of the loan.

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