Make sure you are Saving! 

Enjoy a super low, market leading variable rate of 5.66%pa (comparison rate 5.71%pa) from Australia's Best Non-Bank Lender! With the Smart Pro 75 home loan, you'll get this incredible rate as well as:

• Redraw facilities
• Additional Repayment Options

Plus you get access to the right people and right products to guide you in making the right financial decision.

There has never been a better time to switch to resi. Complete the form above to find out more about this fantastic offer.

Check out what a resi client has to say... I would like to say how pleasant the experience is each time I need to phone resi and how pleasant the staff are. I have not experienced one person who has not been friendly yet professional. This is a very good reflection on resi and I will be telling my friends the same. I always know when I need to ring that my call will be met with helpfulness and it is a great comfort as I was very stressed over the initial planning of the building of my new home. Thank you to all the staff. Laurayn Smeaton - VIC

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Smart Pro 75 Home Loan Terms and conditions: Annual variable rate is 5.66%pa (comparison rate 5.71%pa) - correct as at 16th December 2012. New clients only, and may be withdrawn at any time. LVR <75% and for loans of $200,000 or more. Comparison rate based on a loan of $150,000 over 25 years.

WARNING: This comparison rate is true only for the example or examples given and may not include all fees and charges. Different terms, fees or other loan amounts may result in a different comparison rate.

Find out more about your home loan borrowing power. Let a resi Home Loans Specialist contact you and find the best home loan for your needs.

Note: The results from this home loan borrowing power calculator should be used as an indication only. Results do not represent either quotes nor pre-qualifications for a loan. Individual institutions apply different lending criteria and it is advised that you consult your financial adviser before taking out a loan.

Key Features

Loan Purpose:	To purchase or refinance an owner occupied or investment residential property. Debt consolidation.
Borrower Type:	Borrowers providing full income verification.
Loan Term:	30 Years
Minimum Loan Amount:	$30,000
Maximum Loan Amount:	$2,000,000
Maximum LVR:	75 %
Mortgage Insurance:	Not required.
Mortgage Insurance Capitalisation:	Yes, you can add the cost of mortgage insurance to your loan rather than paying it upfront. Restrictions apply.
Interest Calculation	Calculated on the daily balance and debited monthly in arrears.

Other Features

Extra Repayments	true
Redraw Facility	Yes
Repayment Frequency	Weekly, fortnightly or monthly.
Internet & Phone Banking	Yes
Debit Card	Yes
Interest Only Period	Yes, up to 10 years. Minimise your repayments and free up cash by paying interest only.
Suitable for Overseas Borrowers:	No.
Suitable for Self Employed:
Additional Information:

Fees

Establishment Fees	$0
Ongoing Fees	None
Valuation Fees	$264
Discharge Fees	$295
Lenders Legal Fees	$385
Early Repayment Fees	None
Redraw Fees	Not Applicable

Can I convert to a fixed loan?
<p> Yes, you can choose to fix all or only a portion of your loan and keep the balance at a variable rate - maintaining total flexibility.</p>
Can I make additional payments?

Yes. You can make additional repayments at any time, which means you can pay off your loan faster and save on interest costs.

Can I repay loan early?

Yes, you have the freedom to repay your loan in full at any time.

Can I split this loan?
<p> Yes.</p>
Can the loan be used for building?

Yes, available for variable rate loan only.  Allows you to make progressive payments to builders.

Can you have some fixed and some variable under this loan?

Yes, all or part of the loan can be converted to a fixed rate loan at any time.

Is Loan Portability available?

Yes, if you buy another home, you could keep the same loan and secure it against your new home.

Is Mortgage Insurance Capitalisation available?

Yes, you can add the cost of mortgage insurance to your loan rather than having to pay it upfront.  Restrictions do apply.

Is there a redraw facility?
<p> Yes, this is available as required via phone and internet banking at no cost.</p>
What is the repayment frequency

The repayment frequency can be weekly, fortnightly or monthly.

What other key features are available?

Internet and Telephone Banking & Debit Card.