Specialist PlusHome Loan
A home loan for borrowers with credit issues, repayment history, multiple debts being consolidated or cash out required.
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 $1m. 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
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!
Valuation at cost
For other fees and charges that may apply contact us.
Key features of a Specialist Plus home loan
We ignore defaults and judgements listed for less than $1,000, defaults and judgements listed as paid for more than 2 years.
We accept discharged bankrupt borrowers who are discharged for 1-2 years.
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 Assist Home Loan
A home loan for borrowers who are unable to meet the criteria of banks due to adverse credit history or bankruptcy
Our Relationship Managers can help find the right specialist solution for you.
From application to approval they all went well, without having to go to an office, all done by phone and email ....very efficient process....
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 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.