Resimac
Resimac Group is an ASX-listed Australian non-bank lender founded in 1985, originating home loans, car loans, asset finance, and secured business loans for over 50,000 customers through a network of 18,000+ mortgage brokers, with a focus on near-prime and self-employed borrowers underserved by major banks.
- Company typePublic
- Founded1985
- HeadquartersSydney, Australia
- Headcount251–500
- GTM typeB2B and B2C
- OfferingServices
What Resimac does
Resimac Group Ltd is an ASX-listed (ASX: RMC) Australian non-bank lender founded in 1985 and headquartered in Sydney, operating as one of Australia's original non-bank lenders. The company originates residential mortgages, car loans, asset finance, and secured business loans, with a deliberate focus on near-prime borrowers, self-employed professionals, contractors, and SMSF trustees who fall outside the credit scorecards of major banks. Its loan product set spans Prime, Prime Flex, Prime Alt Doc, Specialist, Specialist Alt Doc, and SMSF variants, distributed through a network of more than 18,000 mortgage brokers and complemented by direct-to-consumer digital channels.
The platform architecture is built around dedicated channel portals: BrokerZone and the RAF Portal serve mortgage and asset-finance brokers respectively, while CustomerZone, ClientZone, and LoanAccess serve home loan, auto finance, and partner-funded loan customers (the latter consolidating legacy portfolios from Homeloans, Barnes, iMortgage, and Volt acquisitions). Mobile applications on iOS and Android extend the self-service surface. Origination is underpinned by a streamlined credit assessment process and the company's multi-decade Residential Mortgage-Backed Securities (RMBS) program, which has issued close to $50 billion in mortgage-backed securities across domestic and global markets since 1987 and underpins the company's wholesale funding cost advantage. Supporting infrastructure includes mobile apps, a Visa Debit Card product, a Rewards Hub loyalty program, and the RMC Enhanced Income Fund wholesale investment vehicle.
Resimac serves over 50,000 customers across Australia and generates revenue primarily through net interest income on its lending portfolio, with the RMBS program functioning as both a funding source and a revenue-generating channel. The group operates through wholly-owned subsidiaries including Resimac Limited, Resimac Asset Finance, FAI First Mortgage, Homeloans.com.au, Evergreen Finance Company, Resimac Financial Services, and The Servicing Company. Non-financial differentiators include the Carbon Conscious environmental program (over 40,000 trees planted) and principal-partner sponsorship of the Broker Innovation Awards 2025. Notable risk factors include ASIC civil penalty proceedings commenced in May 2025 against subsidiary Resimac Limited regarding hardship-notice compliance under the National Consumer Credit Protection Act.
Resimac firmographics
Firmographics- Name
- Resimac
- Legal name
- Resimac Group Ltd
- Website
- https://resimac.com.au
- Company type
- Public
- Founded year
- 1985
- Operating status
- Operating
- Headcount range
- 251–500 employees
- Short description
- Resimac Group is an ASX-listed Australian non-bank lender founded in 1985, originating home loans, car loans, asset finance, and secured business loans for over 50,000 customers through a network of 18,000+ mortgage brokers, with a focus on near-prime and self-employed borrowers underserved by major banks.
- Ownership category
- akta.pro rank
Resimac industry classification
Industry- Product category
- Non-Bank Lending
- NAICS
- Real Estate Credit (522292), Credit Intermediation and Related Activities (522)
- SIC
- Mortgage Bankers & Loan Correspondents (6162)
- akta.pro primary industry
- Balance-Sheet / Portfolio CRE Lending (FSALADAG)
- akta.pro secondary industries
- Credit Risk Transfer (CRT) & Mortgage Credit Securities (CAS/STACR/ACIS) (FSALAFAH), Commercial Real Estate (CRE) Mortgage Origination (FSALADAA)
Keywords
Where Resimac is headquartered
LocationHeadquarters
- HQ city
- Sydney
- HQ country
- Australia
- HQ region
- Oceania
Offices1 record
Markets served
Resimac business model
Business model- GTM type
- B2B and B2C
- Offering type
- Services
- Cost components
- Personnel, Operations, Technology or R&D, Marketing or Sales
Revenue model
- Interest Income from Lending: Resimac generates primary revenue through interest income on residential mortgages, car loans, asset finance, and secured business loans. As a non-bank lender, it funds operations through a combination of deposits, wholesale funding, and its established RMBS securitisation program.
- Mortgage-Backed Securities Issuance: Since 1987, Resimac has issued close to $50 billion in mortgage-backed securities across domestic and global markets through its securitisation program, providing funding for mortgage origination.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Other | Monthly | Home loan products (Prime, Prime Flex, Prime Alt Doc, Specialist, Specialist Alt Doc, SMSF) |
Go-to-market motion2 records
Distribution channels6 records
Marketing channels5 records
Resimac product offering
Product offeringCore offering
Resimac is an ASX-listed Australian non-bank lender (founded 1985) that originates residential home loans, car loans, asset finance, and secured business loans. Loans are distributed primarily through a network of more than 18,000 mortgage brokers and direct channels, with funding sourced in part through Mortgage-Backed Securities issuance.
Product overview
Resimac is an Australian non-bank lender established in 1985, offering a multi-channel lending platform through mortgage brokers (BrokerZone), direct lending, and asset finance channels. The core lending products span Home Loans, Car Loans, Asset Finance, and Secured Business Loans. Broker-specific products include Prime & Prime Flex, Prime Alt Doc, SMSF, Specialist, and Specialist Alt Doc variants targeting prime and near-prime borrowers. Customer-facing digital channels include CustomerZone (home loans), ClientZone (auto finance), and LoanAccess (partner-funded loans). The company also offers a Rewards Hub loyalty program, Visa Debit Card, RMC Enhanced Income Fund investment product, and sustainability initiatives through its Carbon Conscious program. The company has issued approximately $50 billion in mortgage-backed securities since 1987.
Differentiator
Problem solved
Functional benefit
Brands
- CustomerZone: Digital banking platform for Resimac home loan customers to manage accounts, make payments, and access statements
- BrokerZone
- RMC Enhanced Income Fund
Products and services
- Residential Home Loans
Quantifiable outcome
- Over 50,000 customers served across lending products
- +2 more outcomes
Companies that use Resimac
Customer profileSegments4 records
Ideal customer profiles3 records
Resimac technology and API
TechnologyTechnology focussed No
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Feature5 records
Resimac partnerships and signals
Strategic signalPartnerships
Four partnerships are on record, tiered core and minor.
- Broker Daily (Broker Innovation Awards)coreResimac served as principal partner for the Broker Innovation Awards 2025, run in partnership with Broker Daily. The awards recognise excellence across Australia's mortgage distribution channel and strengthen Resimac's relationships with brokers.
- Carbon Conscious Investments (Carbon Positive)coreResimac partners with Carbon Conscious Investments (Carbon Positive) for its Carbon Conscious program, which plants native Mallee Eucalypt trees for every new loan settled. The program has planted over 40,000 trees to date, offsetting CO2 emissions and supporting biodiversity in Western Australian wheat-belt areas. This environmental initiative is part of Resimac's broader sustainability commitment.
- Food LaddercoreResimac supports Food Ladder, a not-for-profit global pioneer in environmentally sustainable technologies that create food and economic security for remote communities. This partnership reflects Resimac's commitment to community support and environmental responsibility.
- QBE InsuranceminorResimac markets insurance products from QBE Insurance as part of its product offerings, providing customers with access to insurance products alongside lending services.
Scale indicators5 records
Expansion highlights5 records
Resimac competitors and assessment
Company assessmentDirect peers
- Pepper Money: One of Australia's largest non-bank lenders, originating residential mortgages, auto and asset finance primarily through mortgage brokers. Directly comparable to Resimac in product mix (prime, specialist, alt doc), broker-led distribution, and RMBS-based funding model.
- Liberty Financial: Major Australian non-bank lender offering residential mortgages, asset finance and secured business loans through a large broker network. Comparable to Resimac in business model, customer segments (including self-employed/specialist), and securitization-driven funding.
- La Trobe Financial: Australian non-bank lender and active RMBS issuer offering residential, investment and asset finance through wholesale and direct channels. Comparable to Resimac in securitization-led funding and non-bank specialist origination.
- Firstmac: Long-established Australian non-bank lender specializing in residential mortgages and asset finance, with deep RMBS issuance track record. Closely comparable to Resimac on funding model, broker distribution, and product breadth.
- Bluestone Mortgages: Australian non-bank residential mortgage specialist focused on self-employed, near-prime and complex-income borrowers. Direct competitor in the same niche Resimac serves, with similar broker-led distribution and securitization funding.
- Pallas Capital: Australian non-bank lender offering residential and commercial mortgages through mortgage brokers. Comparable to Resimac in non-bank specialist positioning, broker distribution, and target borrower segments.
Emerging players
- Athena Home Loans: Australian digital non-bank mortgage lender focused on prime owner-occupier and investor loans with variable-rate repricing. Comparable to Resimac in non-bank positioning and RMBS funding, but with narrower prime-only focus and digital-first distribution rather than broker-led.
Broad incumbents
- Aussie Home Loans: Major Australian retail mortgage broker and lender (now part of the CBA group) with extensive branch and broker distribution. Comparable as a large-scale broker-distributed Australian mortgage business, though broader prime focus and broader retail offerings than Resimac's specialist tilt.
- ING Australia (Mortgage Division): Australian bank with significant mortgage origination via direct channels and broker network. Comparable to Resimac on broker-driven residential mortgage distribution, though broader banking franchise and prime-only positioning.
- ANZ (Mortgage Division): One of Australia's largest mortgage originators with a substantial broker channel and RMBS issuance programs. Comparable as a benchmark for mortgage origination scale, funding model and broker distribution, though much broader franchise than Resimac's specialist focus.
Market position
Strengths5 records
Weaknesses5 records
Competitive moat5 records
Key risks5 records
Key highlights7 records
Customer concentration
Resimac social profiles
Digital presenceResimac financial estimates
Financial estimateRevenue estimate
Valuation estimate
Resimac leadership team
Management profileNumber of profiles
Profiles1 record
Resimac subsidiaries and ownership
Company hierarchySubsidiaries7 records
Resimac funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Resimac M&A and investment
M&A and investmentM&A1 record
Investments1 record
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about Resimac
What does Resimac do?
Resimac is an ASX-listed Australian non-bank lender (founded 1985) that originates residential home loans, car loans, asset finance, and secured business loans. Loans are distributed primarily through a network of more than 18,000 mortgage brokers and direct channels, with funding sourced in part through Mortgage-Backed Securities issuance.
Is Resimac a public or private company?
Resimac is a public company. It is classified as public and is currently operating.
When was Resimac founded?
Resimac was founded in 1985. It employs 251 to 500 people.
Where is Resimac based?
Resimac is headquartered in Sydney, Australia, in the Oceania region.
How does Resimac make money?
Two revenue lines are on record. Interest Income from Lending is the primary driver. The others are mortgage-Backed Securities Issuance.
Who are Resimac's main competitors?
Direct peers on record are Pepper Money, Liberty Financial, La Trobe Financial, Firstmac, Bluestone Mortgages and Pallas Capital. Athena Home Loans is listed as an emerging player. Broad incumbents are Aussie Home Loans, ING Australia (Mortgage Division) and ANZ (Mortgage Division).
Does Resimac have an API?
No public API is recorded for Resimac.
What industry is Resimac in?
Resimac's product category is Non-Bank Lending. Its primary akta.pro industry code is FSALADAG, Balance-Sheet / Portfolio CRE Lending, with a secondary code of FSALAFAH, Credit Risk Transfer (CRT) & Mortgage Credit Securities (CAS/STACR/ACIS). Its NAICS code is 522292 and its SIC code is 6162.