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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 4 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 5 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 6 years ago

Resi

Resi Flexi Options Home Loan 90 Special (Owner Occupier) Flexi Options 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 6 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

Less

Mozo reviewer, , reviewed about 6 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

Name not supplied, Victoria, reviewed about 6 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

Less

Graham, Victoria, reviewed about 6 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 6 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 6 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 7 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, New South Wales, reviewed over 7 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 7 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 8 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 8 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, New South Wales, reviewed over 8 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

  • loans.com.au Smart Home Loan (Owner Occupier, Principal & Interest)

    loans.com.au Smart Home Loan (Owner Occupier, Principal & Interest)

    • For purchase and refinance, min 20% deposit
    • No application or ongoing fees
    • Unlimited redraws and additional repayments

    interest rate

    2.88% p.a. variable

    comparison rate*

    2.90% p.a.

    upfront fees

    $520

    Go to site

    More info

    • For purchase and refinance, min 20% deposit
    • No application or ongoing fees
    • Unlimited redraws and additional repayments
    • Interest rate: 2.88% p.a. variable
    • Comparison rate*: 2.90% 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
    • Special offers:
    Overall rating

    8.2

    Based on 639 loans.com.au home loan reviews

    Need more information?
    Go to site

    More info

  • MOZO EXPERTS CHOICE AWARDS 2019

    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. Minimum loan amount $700k

    interest rate

    2.84% p.a. variable

    comparison rate*

    2.84% 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. Minimum loan amount $700k
    • Interest rate: 2.84% p.a. variable
    • Comparison rate*: 2.84% p.a.
    • Upfront fees: $0
    • 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: $200,000
    • Maximum loan amount:
    • Type of loan: Variable
    • Repayment types: Principal & Interest
    • Availability: Owner Occupier
    • Repayment options: Weekly, Fortnightly, Monthly
    • Special offers:
    Overall rating

    8.3

    Based on 7 UBank home loan reviews

    Need more information?
    Go to site

    More info

  • Athena Variable Home Loan (Owner Occupier, Principal & Interest)

    Athena Variable Home Loan (Owner Occupier, Principal & Interest)

    • No application fees
    • No monthly fees
    • No annual fees

    interest rate

    2.84% p.a. variable

    comparison rate*

    2.80% p.a.

    upfront fees

    $0

    Go to site

    More info

    • No application fees
    • No monthly fees
    • No annual fees
    • Interest rate: 2.84% p.a. variable
    • Comparison rate*: 2.80% p.a.
    • Upfront fees: $0
    • 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: $100,000
    • Maximum loan amount: $2,000,000
    • Type of loan: Variable
    • Repayment types: Principal & Interest
    • Availability: Owner Occupier
    • Repayment options: Weekly, Fortnightly, Monthly
    • Special offers:
    Overall rating

    10.0

    Based on 1 Athena home loan reviews

    Need more information?
    Go to site

    More info

  • Homestar Star Essentials Home Loan (Owner Occupier, Principal & Interest)

    Homestar Star Essentials Home Loan (Owner Occupier, Principal & Interest)

    • No annual or monthly fees
    • Unlimited extra repayments & Free online redraw
    • Upfront fees waived – limited time offer

    interest rate

    2.74% p.a. variable

    comparison rate*

    2.77% p.a.

    upfront fees

    $596

    Go to site

    More info

    • No annual or monthly fees
    • Unlimited extra repayments & Free online redraw
    • Upfront fees waived – limited time offer
    • Interest rate: 2.74% p.a. variable
    • Comparison rate*: 2.77% p.a.
    • Upfront fees: $596
    • Ongoing fees: $0.00
    • Discharge fee: $535.00
    • Extra repayments: yes - free
    • Redraw facility: yes - free
    • Offset account: no
    • Maximum loan to value ratio: 80.00%
    • Minimum loan amount: $150,000
    • Maximum loan amount: $850,000
    • Type of loan: Variable
    • Repayment types: Principal & Interest
    • Availability: Owner Occupier
    • Repayment options: Weekly, Fortnightly, Monthly
    • Special offers:
    Overall rating

    6.8

    Based on 23 Homestar home loan reviews

    Need more information?
    Go to site

    More info

  • MOZO EXPERTS CHOICE AWARDS 2019

    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

    2.82% p.a. variable

    comparison rate*

    2.86% p.a.

    upfront fees

    $785

    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: 2.82% p.a. variable
    • Comparison rate*: 2.86% p.a.
    • Upfront fees: $785
    • Ongoing fees: $0.00
    • Discharge fee: $300.00
    • Extra repayments: yes - free
    • Redraw facility: yes - free
    • Offset account: Optional - $10 per month
    • Maximum loan to value ratio: 80.00%
    • Minimum loan amount: $200,000
    • Maximum loan amount: $2,000,000
    • Type of loan: Variable
    • Repayment types: Principal & Interest
    • Availability: Owner Occupier
    • Repayment options: Weekly, Fortnightly, Monthly
    • Special offers:
    Overall rating

    9.0

    Based on 1 Well Home Loans home loan reviews

    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.

Want more? Compare all 534 home loans in the Mozo comparison engine.

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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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