The Resimac Specialist Alt Doc product has been specifically tailored to suit the needs of self-employed borrowers who fall outside lending guidelines and who require alternative methods of income verification. 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 |
|---|---|---|---|---|---|
| 8.24% | 8.34% | Variable · investment · interest only · LVR 1%–70% | Specialist lending | CDR | 1 Nov 2026 |
| 8.34% | 8.44% | Variable · investment · interest only · LVR 70%–80% | Specialist lending | CDR | 1 Nov 2026 |
| 9.34% | 9.45% | Variable · investment · interest only · LVR 80%–85% | Specialist lending | CDR | 1 Nov 2026 |
| 10.04% | 10.15% | Variable · investment · interest only · LVR 85%–90% | Specialist lending | CDR | 1 Nov 2026 |
| 8.24% | 8.34% | Variable · investment · principal and interest · LVR 1%–70% | Specialist lending | CDR | 1 Nov 2026 |
| 8.34% | 8.44% | Variable · investment · principal and interest · LVR 70%–80% | Specialist lending | CDR | 1 Nov 2026 |
| 9.34% | 9.45% | Variable · investment · principal and interest · LVR 80%–85% | Specialist lending | CDR | 1 Nov 2026 |
| 10.04% | 10.15% | Variable · investment · principal and interest · LVR 85%–90% | Specialist lending | CDR | 1 Nov 2026 |
| 7.94% | 8.04% | Variable · owner occupied · interest only · LVR 1%–70% | Specialist lending | CDR | 1 Nov 2026 |
| 8.04% | 8.14% | Variable · owner occupied · interest only · LVR 70%–80% | Specialist lending | CDR | 1 Nov 2026 |
| 7.94% | 8.04% | Variable · owner occupied · principal and interest · LVR 1%–70% | Specialist lending | CDR | 1 Nov 2026 |
| 8.04% | 8.14% | Variable · owner occupied · principal and interest · LVR 70%–80% | Specialist lending | CDR | 1 Nov 2026 |
| 9.04% | 9.15% | Variable · owner occupied · principal and interest · LVR 80%–85% | Specialist lending | CDR | 1 Nov 2026 |
| 9.74% | 9.85% | Variable · owner occupied · principal and interest · LVR 85%–90% | 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%20-%20SADC- Content hash
sha256 0eccdd24814b6b2d09756b55e4a94a59d8f5c7223f8ae60b8d5596d738a0f752- Rule version
mapper@0.1.2
Consumer Data Right product dataev_cdr_0eccdd24814b6b2d_df208390Show details
- Checked
- 1 Nov 2026
- URL
https://public.cdr.resimac.com.au/cds-au/v1/banking/products/RESI%20-%20SADC- Content hash
sha256 0eccdd24814b6b2d09756b55e4a94a59d8f5c7223f8ae60b8d5596d738a0f752- 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 Alt Doc - Lender Risk Fee | Upfront | 1.00% |
| 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 | Self Employed | At least one applicant to be 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 residents, New Zealand citizens and residents. | Expat non residents allowed. |
| Limit: max limit | 2500000.00 | |
| Limit: min limit | 50000.00 | |
| Limit: max lvr | 0.90 | |
| Limit: min lvr | 0.01 | |
| Limit: other | ||
| Limit: other |
Rate history
| Rate | From | To | Rate p.a. | Comparison |
|---|---|---|---|---|
| Variable · owner occupied · principal and interest · LVR 1%–70% | 1 Nov 2026 | Current | 7.94% | 8.04% |
| Variable · owner occupied · principal and interest · LVR 80%–85% | 1 Nov 2026 | Current | 9.04% | 9.15% |
| Variable · investment · interest only · LVR 85%–90% | 1 Nov 2026 | Current | 10.04% | 10.15% |
| Variable · investment · principal and interest · LVR 85%–90% | 1 Nov 2026 | Current | 10.04% | 10.15% |
| Variable · owner occupied · principal and interest · LVR 85%–90% | 1 Nov 2026 | Current | 9.74% | 9.85% |
| Variable · investment · interest only · LVR 80%–85% | 1 Nov 2026 | Current | 9.34% | 9.45% |
| Variable · owner occupied · interest only · LVR 70%–80% | 1 Nov 2026 | Current | 8.04% | 8.14% |
| Variable · investment · interest only · LVR 1%–70% | 1 Nov 2026 | Current | 8.24% | 8.34% |
| Variable · investment · interest only · LVR 70%–80% | 1 Nov 2026 | Current | 8.34% | 8.44% |
| Variable · investment · principal and interest · LVR 1%–70% | 1 Nov 2026 | Current | 8.24% | 8.34% |
| Variable · investment · principal and interest · LVR 80%–85% | 1 Nov 2026 | Current | 9.34% | 9.45% |
| Variable · investment · principal and interest · LVR 70%–80% | 1 Nov 2026 | Current | 8.34% | 8.44% |
| Variable · owner occupied · interest only · LVR 1%–70% | 1 Nov 2026 | Current | 7.94% | 8.04% |
| Variable · owner occupied · principal and interest · LVR 70%–80% | 1 Nov 2026 | Current | 8.04% | 8.14% |
*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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