---
title: "Specialist Full 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-%20SFDC
source: "CDR Compare"
language: en-AU
last_updated: 2026-08-20T23:27:23.053Z
---

# Specialist Full 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 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.

## At a glance

- **From (owner occupied):** 7.49% (7.59% comparison)

## Interest rates

### Owner occupied — Principal & interest

| Type | Rate | Comparison | Applies to |
| --- | --- | --- | --- |
| Variable | 7.49% | 7.59% | <=70% LVR |
| Variable | 7.59% | 7.69% | 70.01% - 80% LVR |
| Variable | 8.59% | 8.69% | 80.01% - 85% LVR |
| Variable | 9.29% | 9.4% | 85.01% - 90% LVR |

### Owner occupied — Interest only

| Type | Rate | Comparison | Applies to |
| --- | --- | --- | --- |
| Variable | 7.49% | 7.59% | <=70% LVR |
| Variable | 7.59% | 7.69% | 70.01% - 80% LVR |

### Investment — Principal & interest

| Type | Rate | Comparison | Applies to |
| --- | --- | --- | --- |
| Variable | 7.79% | 7.89% | <=70% |
| Variable | 7.89% | 7.99% | 70.01% -80% LVR |
| Variable | 8.89% | 8.99% | 80.01% - 85% LVR |
| Variable | 9.59% | 9.7% | 85.01%- 90% LVR |

### Investment — Interest only

| Type | Rate | Comparison | Applies to |
| --- | --- | --- | --- |
| Variable | 7.79% | 7.89% | <=70% LVR |
| Variable | 7.89% | 7.99% | 70.01% - 80% LVR |
| Variable | 8.89% | 8.99% | 80.01% - 85% LVR |
| Variable | 9.59% | 9.7% | 85.01% - 90% LVR |

## Fees

| Fee | Type | Amount |
| --- | --- | --- |
| Specialist - Lender Risk Fee — Lender Risk Fee: <70% LVR - 0.75% >70.01% -<80% LVR - 1.00% >80.01% <85% LVR - 1.25% >85.01% <90% LVR- 1.50% | Upfront | 0.75% of balance |
| Lender Settlement Fee | Event | $949.00 |
| Attendance fee — Per attendance | 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 — 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** — PAYG and Self Employed
- **Minimum age** — 18 years
- **Individuals, companies, and discretionary trusts allowed; no unit or hybrid trusts.**
- **Residency status** — Australian citizens and  permanent residents, New Zealand citizens and permanent 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- SFDC`
- Last updated by the provider: 20 August 2026
- Source payload (JSON): https://www.cdrcompare.au/api/raw/resimac/RESI-%20SFDC
- Provider page: https://www.cdrcompare.au/brands/resimac

---

Source: [CDR Compare](https://www.cdrcompare.au/brands/resimac/products/RESI-%20SFDC) — 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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