Resimac home loans come from Resimac Group, a Sydney-based non-bank lender listed on the ASX under the code RMC. Resimac traces its origins to 1985 and offers prime, alt doc and specialist home loans, including options for self-employed borrowers and borrowers whose circumstances fall outside standard bank criteria.
This page is a factual profile to help borrowers understand who Resimac is and where its home loans may fit. However, it is not a recommendation, and it does not rate or rank the lender.
Resimac at a Glance
| Item | Detail |
|---|---|
| Lender type | Non-bank lender (not an authorised deposit-taking institution) |
| Owned by | Resimac Group Limited, an ASX-listed company whose majority shareholder is Somers Limited |
| Founded or established | Origins in 1985; current group formed by the 2016 merger of Homeloans Ltd and Resimac |
| Headquarters (city) | Sydney |
| Regulated by | ASIC (Resimac Limited holds Australian Credit Licence 247283) |
| Listed on the ASX | Yes (code RMC) |
| Home loans for | Owner-occupiers, investors, self-employed borrowers and borrowers with a more complex credit history |
Ownership and History of Resimac
Resimac’s origins go back to 1985, when it began as an alternative source of housing finance. It then grew into an originator, servicer and securitiser of residential mortgages, and became one of the early issuers of residential mortgage-backed securities in Australia.
Later, in 2016, Resimac merged with Homeloans Ltd, an ASX-listed mortgage business. The two brands operated side by side until late 2018, when the group consolidated under the single Resimac brand and the listed parent, Homeloans Limited, took the new name Resimac Group Limited.
Resimac Group Limited trades on the ASX under the code RMC. Somers Limited, an investment holding company, is its majority shareholder. The group also operates in New Zealand and offers asset finance alongside its home loans.
As a non-bank lender, Resimac does not take deposits. Instead, it funds its home loans through warehouse facilities and securitisation, and it distributes them through mortgage brokers as well as its own channels.
Sources for this section include the Resimac website and The Adviser.
Where Resimac Home Loans May Suit
Resimac arranges its home loans into prime and specialist ranges, with full doc and alt doc options in each. Based on independent coverage and the lender’s own material, Resimac home loans may suit:
- Self-employed borrowers who need alternative income verification, such as bank statements, BAS or an accountant’s declaration, in some circumstances and subject to lender criteria.
- Business owners and individuals with tax debt owed to the ATO. In particular, Resimac may consider consolidating ATO debt into a home loan, something many lenders are reluctant to do, subject to eligibility and lender criteria.
- Borrowers whose credit history includes missed repayments or defaults. For example, Resimac may consider them under the specialist range, depending on the circumstances.
- Borrowers who fall outside mortgage insurer or mainstream bank guidelines, including contract workers.
- Property investors and owner-occupiers with a straightforward profile, through Resimac’s prime range.
- Borrowers refinancing an existing home loan.
Home Loan Types Resimac Offers
Resimac focuses on residential lending through brokers. Verified home loan types include:
- Owner-occupied home loans (prime and specialist)
- Investment property loans
- Alt doc home loans for self-employed borrowers
- Specialist home loans for borrowers with a more complex credit history
- Refinancing of existing home loans
- Car loans and secured business loans through Resimac Asset Finance (outside the home loan range)
Getting a Resimac Home Loan Through Ingram Financial
Of course, every lender has its own policies, processes and quirks, and they change often. Rather than working through them on your own, let Ingram Financial help you navigate the maze and compare Resimac with the other lenders on our panel.
Shannon Ingram, our principal broker, compares Resimac with the rest of the panel and then explains where each option fits your situation. We work with clients across the Sutherland Shire from Bangor, NSW, as well as with clients across Australia by phone and video.
In the meantime, to see current Resimac products, use the lender filter in our comparison tool. Then contact us or book a free chat to talk through your options.
Resimac Home Loan FAQs
No. Resimac is a non-bank lender, so it does not take deposits. Instead, it funds its home loans through warehouse facilities and residential mortgage-backed securities.
Resimac Group Limited trades on the ASX under the code RMC. Somers Limited, an investment holding company, is its majority shareholder, while other ASX investors hold the remaining shares.
Yes. Resimac offers alt doc home loans in both its prime and specialist ranges for self-employed borrowers who need alternative income verification, subject to eligibility and lender criteria.
Yes. Resimac distributes its home loans through mortgage brokers, and it is also one of the lenders on the Ingram Financial panel.
It may. Resimac’s specialist range can consider consolidating tax debt owed to the ATO into a home loan, although many lenders avoid this. Resimac assesses each application on its merits, and eligibility and lender criteria apply, so speak to us about your situation.
Ingram Financial has no ownership ties to Resimac. Resimac is simply one of the lenders on our panel. We checked the lender information on this page in September 2026. However, it may change, and the lender sets product availability, policies and eligibility criteria.
The information on this page is general in nature and does not take into account your objectives, financial situation or needs. Lending criteria, fees and charges apply. Consider whether it is appropriate for you and speak to us for advice specific to your situation.