Firstmac's Alt Doc Plus Fixed Home Loan provides certainty with fixed rate options ranging from 1 to 5 years. Borrow up to $3,000,000 (up to 80% LVR) and make additional repayments of up to $10,000 per year, with principal and interest or interest-only repayment options and no ongoing fees. Available where at least one borrower is self-employed and requires an alternative method of income verification, such as Business Activity Statements.
Product data
The lender's Consumer Data Right data, as collected by Homepedia. Nothing in this part comes from a channel.Rates
| Rate | Comparison* | Applies to | Conditions | Source | Since |
|---|---|---|---|---|---|
| 8.24% | 7.54% | Fixed · 1 year · investment · interest only · LVR 80% or less | Specialist lending | CDR | 1 Nov 2026 |
| 8.24% | 7.63% | Fixed · 2 years · investment · interest only · LVR 80% or less | Specialist lending | CDR | 1 Nov 2026 |
| 8.24% | 7.70% | Fixed · 3 years · investment · interest only · LVR 80% or less | Specialist lending | CDR | 1 Nov 2026 |
| 8.54% | 7.89% | Fixed · 4 years · investment · interest only · LVR 80% or less | Specialist lending | CDR | 1 Nov 2026 |
| 8.54% | 8.00% | Fixed · 5 years · investment · interest only · LVR 80% or less | Specialist lending | CDR | 1 Nov 2026 |
| 7.84% | 7.50% | Fixed · 1 year · investment · principal and interest · LVR 80% or less | Specialist lending | CDR | 1 Nov 2026 |
| 7.84% | 7.55% | Fixed · 2 years · investment · principal and interest · LVR 80% or less | Specialist lending | CDR | 1 Nov 2026 |
| 7.84% | 7.59% | Fixed · 3 years · investment · principal and interest · LVR 80% or less | Specialist lending | CDR | 1 Nov 2026 |
| 8.14% | 7.74% | Fixed · 4 years · investment · principal and interest · LVR 80% or less | Specialist lending | CDR | 1 Nov 2026 |
| 8.14% | 7.83% | Fixed · 5 years · investment · principal and interest · LVR 80% or less | Specialist lending | CDR | 1 Nov 2026 |
| 8.04% | 7.34% | Fixed · 1 year · owner occupied · interest only · LVR 80% or less | Specialist lending | CDR | 1 Nov 2026 |
| 8.04% | 7.42% | Fixed · 2 years · owner occupied · interest only · LVR 80% or less | Specialist lending | CDR | 1 Nov 2026 |
| 8.04% | 7.50% | Fixed · 3 years · owner occupied · interest only · LVR 80% or less | Specialist lending | CDR | 1 Nov 2026 |
| 8.34% | 7.68% | Fixed · 4 years · owner occupied · interest only · LVR 80% or less | Specialist lending | CDR | 1 Nov 2026 |
| 8.34% | 7.79% | Fixed · 5 years · owner occupied · interest only · LVR 80% or less | Specialist lending | CDR | 1 Nov 2026 |
| 7.64% | 7.30% | Fixed · 1 year · owner occupied · principal and interest · LVR 80% or less | Specialist lending | CDR | 1 Nov 2026 |
| 7.64% | 7.34% | Fixed · 2 years · owner occupied · principal and interest · LVR 80% or less | Specialist lending | CDR | 1 Nov 2026 |
| 7.64% | 7.39% | Fixed · 3 years · owner occupied · principal and interest · LVR 80% or less | Specialist lending | CDR | 1 Nov 2026 |
| 7.94% | 7.54% | Fixed · 4 years · owner occupied · principal and interest · LVR 80% or less | Specialist lending | CDR | 1 Nov 2026 |
| 7.94% | 7.62% | Fixed · 5 years · owner occupied · principal and interest · LVR 80% or less | Specialist lending | CDR | 1 Nov 2026 |
*Comparison rates are calculated on a $150,000 secured loan over a term of 25 years. WARNING: This comparison rate is true only for the examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate. Fees and charges are payable.
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Source
CDR officialConsumer Data Right product dataShow where this comes from
- Fetched
- 1 Nov 2026
- URL
https://prd.pm.productdata.au/05a7dab9-5ad2-42b2-81e9-ed48e05ba21b/adapter/cds-au/v1/banking/products/fmc-alt-doc-plus-fixed- Content hash
sha256 56100a661862c2dcfd2142afa692c12f3ab79a6c1d6a91b650da2239598b58de- Rule version
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Consumer Data Right product dataev_cdr_56100a661862c2dc_28970679Show details
- Checked
- 1 Nov 2026
- URL
https://prd.pm.productdata.au/05a7dab9-5ad2-42b2-81e9-ed48e05ba21b/adapter/cds-au/v1/banking/products/fmc-alt-doc-plus-fixed- Content hash
sha256 56100a661862c2dcfd2142afa692c12f3ab79a6c1d6a91b650da2239598b58de- Excerpt
- —
- Rule version
mapper@0.1.2
Page and PDF snapshots are kept by Homepedia; the hash above identifies the exact version we read. Data as at 1 Nov 2026.
Fees
| Fee | Type | Amount |
|---|---|---|
| Application Fee | Upfront | $0.00 |
| Valuation Fee | Event | Set in your letter of offer |
| Documentation Fee | Event | $300.00 |
| Discharge Administration Fee | Exit | $300.00 |
| Settlement Fee | Event | $300.00 |
| Discharge Documentation Fee | Exit | $250.00 |
| Rate Lock Fee | Upfront | $350.00 |
| Break Cost Administration Fee | Event | $150.00 |
Features and eligibility
| Item | Value | Details |
|---|---|---|
| Extra repayments | Allows borrowers to make additional repayments on the loan to reduce interest and pay off the loan faster. Limited to a maximum of $10,000 per year during the fixed term. | |
| Eligibility: residency status | Are Australian or New Zealand citizens living and working in either Australia or New Zealand, or are Permanent Residents of Australia living and working in Australia. | |
| Eligibility: min age | 18 | Applicants must be at least 18 years old to apply for this loan. |
| Eligibility: employment status | Self employed | Available where at least one borrower is self-employed and requires an alternative method of income verification, such as Business Activity Statements. |
| Limit: max limit | 3000000.00 | |
| Limit: min limit | 50000.00 | |
| Limit: other | P15Y | |
| Limit: other | P30Y |
Rate history
| Rate | From | To | Rate p.a. | Comparison |
|---|---|---|---|---|
| Fixed · 2 years · owner occupied · principal and interest · LVR 80% or less | 1 Nov 2026 | Current | 7.64% | 7.34% |
| Fixed · 2 years · investment · interest only · LVR 80% or less | 1 Nov 2026 | Current | 8.24% | 7.63% |
| Fixed · 2 years · owner occupied · interest only · LVR 80% or less | 1 Nov 2026 | Current | 8.04% | 7.42% |
| Fixed · 4 years · investment · principal and interest · LVR 80% or less | 1 Nov 2026 | Current | 8.14% | 7.74% |
| Fixed · 3 years · owner occupied · interest only · LVR 80% or less | 1 Nov 2026 | Current | 8.04% | 7.50% |
| Fixed · 5 years · owner occupied · interest only · LVR 80% or less | 1 Nov 2026 | Current | 8.34% | 7.79% |
| Fixed · 5 years · investment · interest only · LVR 80% or less | 1 Nov 2026 | Current | 8.54% | 8.00% |
| Fixed · 3 years · investment · interest only · LVR 80% or less | 1 Nov 2026 | Current | 8.24% | 7.70% |
| Fixed · 1 year · investment · principal and interest · LVR 80% or less | 1 Nov 2026 | Current | 7.84% | 7.50% |
| Fixed · 3 years · owner occupied · principal and interest · LVR 80% or less | 1 Nov 2026 | Current | 7.64% | 7.39% |
| Fixed · 2 years · investment · principal and interest · LVR 80% or less | 1 Nov 2026 | Current | 7.84% | 7.55% |
| Fixed · 1 year · investment · interest only · LVR 80% or less | 1 Nov 2026 | Current | 8.24% | 7.54% |
| Fixed · 4 years · investment · interest only · LVR 80% or less | 1 Nov 2026 | Current | 8.54% | 7.89% |
| Fixed · 4 years · owner occupied · principal and interest · LVR 80% or less | 1 Nov 2026 | Current | 7.94% | 7.54% |
| Fixed · 1 year · owner occupied · interest only · LVR 80% or less | 1 Nov 2026 | Current | 8.04% | 7.34% |
| Fixed · 4 years · owner occupied · interest only · LVR 80% or less | 1 Nov 2026 | Current | 8.34% | 7.68% |
| Fixed · 5 years · investment · principal and interest · LVR 80% or less | 1 Nov 2026 | Current | 8.14% | 7.83% |
| Fixed · 5 years · owner occupied · principal and interest · LVR 80% or less | 1 Nov 2026 | Current | 7.94% | 7.62% |
| Fixed · 3 years · investment · principal and interest · LVR 80% or less | 1 Nov 2026 | Current | 7.84% | 7.59% |
| Fixed · 1 year · owner occupied · principal and interest · LVR 80% or less | 1 Nov 2026 | Current | 7.64% | 7.30% |
*Comparison rates are calculated on a $150,000 secured loan over a term of 25 years. WARNING: This comparison rate is true only for the examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate. Fees and charges are payable.
Tags
| Tag | Meaning | Effect |
|---|---|---|
risk:specialist | Specialist lending | Left out of the standard home loan table; separate switch |
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