A couple of minutes with Daniel Carde - General Manager Distribution

Resimac lending policies are unchanged, but what has changed?

New digital home loan origination process

We're here to support both you and your clients during these unprecedented and challenging times. We understand that in a very short space of time, many brokers are having to fundamentally change the way they operate their businesses.

In addition to moratoriums on loan repayments for affected customers, and continuing to pay trail on those loans, we are pleased to announce further initiatives to enhance the experience of doing business with Resimac for both you and your customers.

Resimac has introduced new processes to allow you to verify a customer's identity remotely, as well as accepting digital and electronic signatures on our application form, supporting documents and more.

Full details are below, but if you have any queries, please contact your BDM. We're available, and here to assist.

Remote Identification — IDYou

Resimac now will accept MSA National's IDYou Verification of Identity (VOI) mobile app for both face-to-face AND remote verification of a customer's identity. This move is aligned with the new guidelines recently released by ARNECC, to meet social distancing requirements.

IDYou is a secure tool that provides an assisted approach to capturing all VOI data ensuring the correct information is held and that the quality of information meets compliance standards.

Benefits to brokers and customers

Improved privacy. No more hard copies in your brief case and no more soft copies on your phone or laptop.It's quick! VOI in a matter of minutes.More secure: VOI documents are encrypted, stored on secure servers and requires a unique security code to access reports.Can be done anywhere, anytime.

Set-up access in two easy steps

MSA National will set you up with an account and email you the details. Download the app: Apple or Google Play. Log in to the IDYou App using the username and password that will be emailed to you by MSA National over the next 48 hours.

Watch how it's done

Remote VOI: Click here to watch

In-person VOI: Click here to watch

Submitting the VOI report with your loan application

Once you have completed the VOI, it will automatically save the report on the IDYou App. When you are ready to submit your loan application to Resimac, you will need to go back into the IDYou App, go to that borrower's VOI record and click on 'Prepare Report for Lender' which then displays all lenders who are formally accepting IDYou.

Click here to download samples of the in-person and remote reports for reference.

For more information, please visit www.idyouapp.com.au.

Application and additional form digital and electronic signature acceptance

To assist with brokers not meeting face-to-face with applicants, Resimac will also now accept broker and applicant digital and electronic signatures on our application form and supporting documents effective immediately. Examples of digital and electronic signatures are below for reference.



Where an electronic signature has been used as opposed to a digital signature, an email from the applicant/s will be required to be provided with the supporting documents in line with the template below prior to the application being sent to credit for assessment.

Email template:


“I <applicant full name> confirm that the electronic signature provided by me, to Resimac on <DDMMYYYY> on the <name of form> is true, related to me and authorised by me.

I acknowledge that Resimac will accept receipt of my electronic signature and authorise Resimac to accept my electronic signature for the purposes of proceeding with my request."

Where a digital signature has been used, the above template is not required.

These initiatives demonstrate that Resimac continues to comply with our responsible lending standards while also being committed to the needs of Australians during this time.

Track your settlements online

What happens when MSA National receives your loan approval?

MSA will email you the login and password to access their LoanTrak portal.

Some of the key features of LoanTrak:


  • Receive auto-email updates to your inbox at key milestones
  • View the home loan pack and all file notes
  • Make notes and send messages that go direct to the file owner
  • Upload documents such as insurance and bank statements
  • View a progress bar showing all completed and pending milestones
  • View a list of any outstanding requirements

Case Ownership

MSA will notify you of who is managing that loan so you may deal with them direct. At MSA, you have a single point of contact from approval to settlement. You will find the paralegals contact details on the LoanTrak portal, on the home loan document pack and on any email update you will receive on that loan.

Concerned about delays due to COVID-19 restrictions?

Don't be. Resimac and MSA have you and your customers covered. Whether it is e-Sign or witnessing paper documents remotely, click here to watch or read up on our detailed COVID-19 back-up measures.

Digital documents now available

Digital documents are now available on Resimac loans via MSA's "DigiDocs". Now the complete home loan pack including the contract, mortgage and direct debit form can be sent to the customer at the click of a mouse, signed at the click of a mouse and sent back to MSA instantly. No paper. No delays.

Customers can sign their mortgage documents anywhere in the world (some states and territories still require paper mortgages — see below. MSA will send those by express post with a return express post envelope).

State PEXA Enabled Mortgage via eSign
NSW Yes - Mandated Yes
WA Yes - Mandated* No
QLD Yes No
VIC Yes - Mandated Yes
SA Yes - Mandated refi's only Yes
NT No No
*Settlements with a Discharge of Mortgage, a new Mortgage, Transfer, Caveat, Withdrawal of Caveat must be settled via PEXA unless an exception applies.

FASTRefi with digital docs

Resimac is pleased to introduce FASTRefi with digital docs for our Resimac Prime and Prime Flex products, effective Friday 29 May 2020.

FASTRefi is a process that allows a refinance to take place very quickly after loan documents have been signed – without the need to arrange a settlement with the Outgoing Financial Institution.

With FASTRefi you and your clients can benefit from a faster settlement and quicker access to funds with no additional cost to the borrower+.

FASTRefi is available on Resimac Prime and Prime Flex loans and from 29 May 2020, will be available with digital documents.

Click here to download the FASTRefi Quick Reference Guide for more information.

+Other Financial Institution or Government charges may apply.

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