The Resimac Specialist Full Doc product has been specifically tailored to suit the needs of borrowers who fall outside traditional mortgage insurance and lending guidelines. Distributed through our accredited broker network.
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 |
|---|---|---|---|---|---|
| 10.04% | 10.15% | Variable · investment · interest only · LVR 1%–70% | Specialist lending | CDR | 1 Nov 2026 |
| 10.14% | 10.25% | Variable · investment · interest only · LVR 70%–80% | Specialist lending | CDR | 1 Nov 2026 |
| 10.64% | 10.75% | Variable · investment · interest only · LVR 80%–85% | Specialist lending | CDR | 1 Nov 2026 |
| 10.04% | 10.15% | Variable · investment · principal and interest · LVR 1%–70% | Specialist lending | CDR | 1 Nov 2026 |
| 10.14% | 10.25% | Variable · investment · principal and interest · LVR 70%–80% | Specialist lending | CDR | 1 Nov 2026 |
| 10.64% | 10.75% | Variable · investment · principal and interest · LVR 80%–85% | Specialist lending | CDR | 1 Nov 2026 |
| 9.74% | 9.85% | Variable · owner occupied · interest only · LVR 1%–70% | Specialist lending | CDR | 1 Nov 2026 |
| 9.84% | 9.95% | Variable · owner occupied · interest only · LVR 70%–80% | Specialist lending | CDR | 1 Nov 2026 |
| 9.74% | 9.85% | Variable · owner occupied · principal and interest · LVR 1%–70% | Specialist lending | CDR | 1 Nov 2026 |
| 9.84% | 9.95% | Variable · owner occupied · principal and interest · LVR 70%–80% | Specialist lending | CDR | 1 Nov 2026 |
| 10.34% | 10.45% | Variable · owner occupied · principal and interest · LVR 80%–85% | 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://public.cdr.resimac.com.au/cds-au/v1/banking/products/RESI-%20SFDA- Content hash
sha256 7e8271d0f285c1d401277ada5e9899fcc2e87f5dc169d0ec8ff7c9489a3afe11- Rule version
mapper@0.1.2
Consumer Data Right product dataev_cdr_7e8271d0f285c1d4_c504175fShow details
- Checked
- 1 Nov 2026
- URL
https://public.cdr.resimac.com.au/cds-au/v1/banking/products/RESI-%20SFDA- Content hash
sha256 7e8271d0f285c1d401277ada5e9899fcc2e87f5dc169d0ec8ff7c9489a3afe11- 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 |
|---|---|---|
| Specialist - Lender Risk Fee | Upfront | 0.75% |
| Lender Settlement Fee | Event | $949.00 |
| Attendance fee | Event | $308.00 |
| Extra Statement Fee | Event | $5.50 |
| Manual Redraw Fee | Event | $26.00 |
| Priority Payment Fee | Event | $15.00 |
| Arrears Management Fee | Event | $55.00 |
| Dishonour Fee | Dishonour | $15.00 |
| Settlement Payment Fee - WBC | Payment | $1.50 |
| Settlement Payment Fee - Non WBC accounts | Payment | $12.00 |
| Settlement Cancellation Fee | Event | $55.00 |
| Variation fee | Variation | Set in your letter of offer |
| Discharge Fee | Event | $300.00 |
| Document retrieval fee | Event | $25.00 |
| Valuation Fee | Other | Set in your letter of offer |
| Third party fees | Other | Set in your letter of offer |
| Panel Solicitor fee - Discharge | Other | Set in your letter of offer |
Features and eligibility
| Item | Value | Details |
|---|---|---|
| Bill payment | BPAY | |
| Card access | Visa Debit | |
| Digital banking | ||
| Extra repayments | ||
| Offset | ||
| Redraw | ||
| Unlimited txns | ||
| Other | P&I Repayments | |
| Other | Split loan - Part fixed / part variable | |
| Eligibility: employment status | PAYG and Self Employed | |
| Eligibility: min age | 18 | |
| Eligibility: other | Individuals, companies, and discretionary trusts allowed; no unit or hybrid trusts. | |
| Eligibility: residency status | Australian citizens and permanent residents, New Zealand citizens and permanent residents. | Expat non residents allowed. |
| Limit: max lvr | 0.85 | |
| Limit: min limit | 50000.00 | |
| Limit: max limit | 1000000.00 | |
| Limit: other | ||
| Limit: min lvr | 0.01 | |
| Limit: other |
Rate history
| Rate | From | To | Rate p.a. | Comparison |
|---|---|---|---|---|
| Variable · owner occupied · principal and interest · LVR 80%–85% | 1 Nov 2026 | Current | 10.34% | 10.45% |
| Variable · investment · interest only · LVR 80%–85% | 1 Nov 2026 | Current | 10.64% | 10.75% |
| Variable · owner occupied · principal and interest · LVR 1%–70% | 1 Nov 2026 | Current | 9.74% | 9.85% |
| Variable · owner occupied · interest only · LVR 70%–80% | 1 Nov 2026 | Current | 9.84% | 9.95% |
| Variable · investment · principal and interest · LVR 1%–70% | 1 Nov 2026 | Current | 10.04% | 10.15% |
| Variable · owner occupied · principal and interest · LVR 70%–80% | 1 Nov 2026 | Current | 9.84% | 9.95% |
| Variable · owner occupied · interest only · LVR 1%–70% | 1 Nov 2026 | Current | 9.74% | 9.85% |
| Variable · investment · interest only · LVR 70%–80% | 1 Nov 2026 | Current | 10.14% | 10.25% |
| Variable · investment · principal and interest · LVR 70%–80% | 1 Nov 2026 | Current | 10.14% | 10.25% |
| Variable · investment · principal and interest · LVR 80%–85% | 1 Nov 2026 | Current | 10.64% | 10.75% |
| Variable · investment · interest only · LVR 1%–70% | 1 Nov 2026 | Current | 10.04% | 10.15% |
*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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