Fixed Rates
Home Loans

You can rest easy knowing that your ongoing monthly repayments are fixed with no changes due to interest rate movements without sacrificing the features you need. For flexibility, you also have the option of splitting your loan with a portion on fixed and the rest on variable.

Package your owner occupied loan with your investment loan and get a low rate for both.

Features and Benefits

  • No Bank Fees

    More money in your back pocket, with no bank fees, no ongoing fees and no annual fees.

  • For loans up to a maximum of $1.5m

    These loans have competitive fixed rates, for either your own home or an investment property.

  • Borrow up to 80% of the value of the property

    For both Owner Occupied and Investment properties, this gives you flexibility if you don't have a large deposit saved or end up buying a property for more than you expected.

  • Online Access

    Make additional repayments and redraw online with no cost.

  • Setup the loan the way you want

    You can choose from principal and interest or interest only repayments. Select weekly, fortnightly or monthly repayments with unlimited extra repayments. Variable and fixed interest rate options available.

  • Customer Benefits Program

    RESIMAC Direct customers get unlimited free access to to exclusive discounts on a wide range of products and services with some of New Zealand’s leading brands, including Red Balloon, Specsavers, MYOB, Europcar and many more!


  • Application$0
  • Valuation at cost
  • Annual $0
  • Settlement $475
  • Discharge $495
  • For other fees and charges that may apply contact us.


What would my repayments be


Why Choose RESIMAC Direct

RESIMAC Direct is New Zealand's leading online home loan lender. Our team is focused on finding ways to help our customers achieve their goals, creating an outstanding borrowing experience.

  • Recognised Lender

    2015 Professional Advisers Association Non-Bank Lender of the Year

  • Quality Assured

    Committed responsible lender who complies with obligations to our customers under the Credit Contracts and Consumer Finance Act 2003 and members of the Professional Advisers Association

  • Quick Response

    From a quick question to a detailed discussion, no need for appointments, just call or email us



A better alternative to the banks

From application to approval they all went well, without having to go to an office, all done by phone and email ....very efficient process....

Excellent service

I was referred to RESIMAC by a family friend and although initially reluctant as they aren't a banking institution as such, my fears were way allayed. Their service was exemplary, from start to finish, and I look forward to further loan transactions with them. I would highly recommend.

Great home loan experience

Great service and competitive rate. The team really looked after us and made sure our loan was approved without complication. Would recommend them to anyone applying for a home loan.


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Our team of experienced Relationship Managers are ready to help you.