Resimac Review.

Resimac Home Loans (NZ) — NZ Mortgage Review (2026)

Resimac Home Loans (NZ) is specialist non-bank lender with both prime and near-prime product suites. For New Zealand borrowers, the lender's specialties include alt-doc self-employed, near-prime credit, investor lending. As an independent NZ mortgage broker, Finch arranges loans through Resimac alongside the full panel of registered NZ banks (ANZ, ASB, BNZ, Westpac, Kiwibank, TSB, SBS, The Co-operative Bank, Heartland) and the specialist non-bank market — so we can recommend Resimac only when their offer genuinely beats the alternatives for your scenario.

Who Resimac Suits Best

Resimac suits self-employed borrowers with 1-year financials, or borrowers declined by main banks for non-credit reasons. We see strongest outcomes when the client's income profile, deposit position, and intended property align with Resimac's current scorecard. Outside those scenarios, another NZ lender will usually price sharper or move faster — which is why we compare every option before recommending.

Resimac — Strengths

• Accepts 6 months bank statements as alt-doc income evidence
• Lower turnaround than main banks on complex deals
• Direct broker channel access — clear, repeatable policies
• Strong investor lending appetite

Resimac — Considerations

• Carded rates higher than main banks (yield premium for flexibility)
• No branch network in NZ
• Cashback offers usually less than main banks

How Resimac Compares Across the NZ Lender Panel

No single NZ lender wins for every scenario. Pricing varies by week and by deal type — Resimac may be sharpest one month and uncompetitive the next, while a non-bank like Resimac or Pepper Money picks up cases the main banks decline. Use our live NZ rates comparison to see where Resimac sits today, then book a free consultation to match your scenario against the full panel.

Documents Resimac Typically Requires

• 3 months payslips (PAYE) or 2 years accountant-signed financials (self-employed)
• 3 months bank statements across every account including credit cards
• KiwiSaver provider statement and annual summary (for first home buyers)
• NZ photo ID + proof of address (AML compliance)
• Evidence of deposit and recent savings history

Service Coverage Across NZ

Finch arranges Resimac lending for clients across the country — Auckland, Wellington, Christchurch, Hamilton, Tauranga, Dunedin, Palmerston North, Napier, Nelson, Queenstown, and regional NZ. We submit your file via the lender's broker channel which usually delivers a faster, sharper outcome than walking into a branch.

Should You Go Direct, or Use a Broker?

Going direct to Resimac only gives you Resimac. Using Finch costs you nothing — Resimac (where they're the right answer) pays the broker fee on settlement, not you — and you get the comparison across every other NZ lender for free. Read our real NZ client case studies for examples.