Specialist Assist
Home Loan

A home loan for borrowers who are unable to meet the criteria of banks due to adverse credit history or bankruptcy.

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 $750,000. Automatic Step Down Rate Discount

    Interest rate reductions of 0.25% after the 1st and 2nd anniversary of the loan, based on satisfactory repayment history.

  • Borrow up to 90% 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

    Online redraw and lump sum repayments. Access to print your own loan statement

  • Setup the loan the way you want

    You can choose from principal and interest or interest only repayments. Select weekly, fortnightly or monthly repayments. Variable interest rate options available. Interest Only 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.

Key features of a Specialist Assist home loan

  • We accept unlimited mortgage arrears and unlimited defaults and judgements.

  • We accept discharged bankrupt borrowers who are discharged less than 1 year.

  • Cash out available for a range of purposes, including business use and payment of tax debts.

  • Unlimited number of debts being consolidated to 80% LVR.

Need help finding a solution?

Explore our other specialist home loan solutions or talk to us, our Relationship Managers take your situation into consideration.

  • Specialist Clear Home Loan

    A home loan for borrowers with minor credit issues, repayment history, multiple debts being consolidated or cash out required


  • Specialist Plus Home Loan

    A home loan for borrowers with credit issues, repayment history, multiple debts being consolidated or cash out required


  • Need Help?

    Our Relationship Managers can help find the right specialist solution for you.

    Call 0800 466 656



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.

Talk to Us

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