Over the last few months, the media has gone to town on the big banks, with stories of people being declined for mortgages over things like buying one too many coffees or spending too much on takeaway food.

It’s been widely reported in the press that the legislation introduced to protect borrowers had the unintended consequence of the big banks making intrusive inquiries into expenses – potentially preventing credit-worthy applicants from getting a mortgage.

At Resimac, we believe in finding customer-friendly ways to implement regulatory changes. Because YOU DESERVE BETTERER.

We developed a sensible method of assessing loans which complies with the new legislation while at the same time catering for your unique needs and situations. A recent review of the legislation has confirmed this method was perfectly valid, giving us a head start in making NZ mortgages borrower-first.

As residential property lending specialists, our sole purpose is to help you purchase properties, so you aren’t subjected to home loan ridiculousness.

Don’t sweat the small stuff

Something as trivial as a morning caffeine fix shouldn’t mean an automatic home loan rejection. The press actually went to town on the big banks for rejecting borrowers over little things like too many coffees following changes to the CCCFA lending rules.

As one of the first and only lenders to utilise big data to benchmark expenses – an approach that has since been confirmed as perfectly valid by a recent review – Resimac has a head start when it comes to making mortgages borrower-first.

How much can I borrow

Use your income and expenses to estimate how much you may be able to borrow for a home loan.

Home loan repayments calculator

Use our calculator to work out how much your repayments
may be on your home loan

Introducing CustomerZone

CustomerZone is Resimac’s new online loan management platform where customers can manage their home loan, their way. New features and benefits offered by CustomerZone include: a responsive and user-friendly digital experience; Pay Anyone functionality; support for one-off, scheduled and recurring payments; enhanced fraud protection security; and on-demand e-statements and transaction history.

Introducing CustomerZone

See if you're eligible

Had a bad experience with another lender? Been rejected for a seemingly silly reason? Not been able to borrow as much as you need and think you could afford?

You deserve betterer.

And Resimac could potentially be the solution. As residential property lending specialists, our sole purpose is to try and help people purchase properties.

Find out what you’re eligible to borrow with Resimac.

Talk to your adviser or mortgage broker or see if you’re eligible below.

Get in touch

We know getting a home loan is a big commitment. That’s why we have a great team of experts ready to walk you through the process or answer any of your questions or concerns.

They’re just a call away.
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I'm a customer

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System maintenance
We are currently experiencing technical issues with CustomerZone.
Please email customerassist@resimac.co.nz for any urgent enquiries. During this time, your online account will not be accessible. We apologise for any inconvenience.

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Due to planned server maintenance, our log-in page will not be available on Sunday 7th August between 4:00am and 7:00am NZST.

We apologise for any inconvenience caused.