---
title: "Specialist Alt Doc Clear - Resimac — Resimac"
description: "Home Loans from Resimac. Rates, fees, features and eligibility as published under Australia's Consumer Data Right."
canonical: https://www.cdrcompare.au/brands/resimac/products/RESI%20-%20SADC
source: "CDR Compare"
language: en-AU
last_updated: 2026-07-09T03:44:15.389415Z
---

# Specialist Alt Doc Clear - Resimac — Resimac

> Home Loans from Resimac. Rates, fees, features and eligibility as published by the provider under Australia's Consumer Data Right, compared on CDR Compare.

**Home Loans**

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.

## At a glance

- **From (owner occupied):** 7.69% (7.79% comparison)

## Interest rates

### Owner occupied — Principal & interest

| Type | Rate | Comparison | Applies to |
| --- | --- | --- | --- |
| Variable | 7.69% | 7.79% | <=70% LVR |
| Variable | 7.79% | 7.89% | 70.01% - 80% LVR |
| Variable | 8.79% | 8.89% | 80.01% - 85% LVR |
| Variable | 9.49% | 9.6% | 85.01% - 90% LVR |

### Owner occupied — Interest only

| Type | Rate | Comparison | Applies to |
| --- | --- | --- | --- |
| Variable | 7.69% | 7.79% | <=70% LVR |
| Variable | 7.79% | 7.89% | 70.01% - 80% LVR |

### Investment — Principal & interest

| Type | Rate | Comparison | Applies to |
| --- | --- | --- | --- |
| Variable | 7.99% | 8.09% | <=70% LVR |
| Variable | 8.09% | 8.19% | 70.01% - 80% LVR |
| Variable | 9.09% | 9.2% | 80.01% - 85% LVR |
| Variable | 9.79% | 9.9% | 85.01% - 90% LVR |

### Investment — Interest only

| Type | Rate | Comparison | Applies to |
| --- | --- | --- | --- |
| Variable | 7.99% | 8.09% | <=70% |
| Variable | 8.09% | 8.19% | 70.01% - 80% LVR |
| Variable | 9.09% | 9.2% | 80.01% - 85% LVR |
| Variable | 9.79% | 9.9% | 85.01% - 90% LVR |

## Fees

| Fee | Type | Amount |
| --- | --- | --- |
| Specialist Alt Doc - Lender Risk Fee — Lender Risk Fee <70% LVR - 0.75% >70.01% <80% LVR - 1.25% >80.01% <85% LVR - 1.50% >85.01% < 90% LVR - 2.00% | Upfront | 1% of balance |
| 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 — For settlement payments to Westpac accounts | Payment | $1.50 |
| Settlement Payment Fee - Non WBC accounts — Settlement payments to non Westpac accounts | Payment | $12.00 |
| Settlement Cancellation Fee — For each cancelled settlement. | Event | $55.00 |
| Variation fee | Variation | $165.00 – $195.00 |
| Discharge Fee — Charged per discharged loan | Event | $300.00 |
| Document retrieval fee — Charged per request | Event | $25.00 |
| Valuation Fee — Fee charged at cost | Other | From $0.00 |
| Third party fees — Fees charged at cost | Other | From $0.00 |
| Panel Solicitor fee - Discharge — Fee charged at cost | Other | From $0.00 |

## Features

- **Bill payment (BPAY)** — BPAY
- **Card access** — Visa Debit
- **Digital banking**
- **Extra repayments**
- **Guarantor supported**
- **Offset account**
- **Redraw facility**
- **Unlimited transactions**
- **P&I Repayments**
- **Interest Only repayments**
- **Split loan - Part fixed / part variable**

## Eligibility

- **Employment status** — Self Employed (At least one applicant to be self employed.)
- **Minimum age** — 18 years
- **Individuals, companies, and discretionary trusts allowed; no unit or hybrid trusts.**
- **Residency status** — Australian citizens and  residents, New Zealand citizens and residents. (Expat non residents allowed.)

## Constraints

- **Maximum limit** — $2,500,000.00
- **Minimum limit** — $50,000.00
- **Maximum LVR** — 90%
- **Minimum LVR** — 1%
- **Maximum aggregate loan exposure: $5,000,000.**
- **Acceptable Security: Completed dwellings only. No construction. Vacant land acceptable as collateral security.**

## Data provenance

- Published by Resimac under the Consumer Data Right
- Product ID: `RESI - SADC`
- Last updated by the provider: 9 July 2026
- Source payload (JSON): https://www.cdrcompare.au/api/raw/resimac/RESI%20-%20SADC
- Provider page: https://www.cdrcompare.au/brands/resimac

---

Source: [CDR Compare](https://www.cdrcompare.au/brands/resimac/products/RESI%20-%20SADC) — product data published by Australian data holders under the Consumer Data Right. Not financial advice; no rankings, recommendations or affiliate relationships. Always confirm details with the provider.

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