Specialist Alt Doc Clear - Wholesale
Home Loans
The 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 Wholesale partners.
- From (owner occupied)
- 9.69%
- 9.8% comparison
Interest Rates
Owner occupied — Principal & interest
| Type | Rate | Comparison | Applies To |
|---|---|---|---|
| Variable | 9.69% | 9.8% | <=70% LVR |
| Variable | 9.79% | 9.9% | 0.7001–0.8% |
| Variable | 10.29% | 10.4% | 0.8001–0.85% |
Owner occupied — Interest only
| Type | Rate | Comparison | Applies To |
|---|---|---|---|
| Variable | 9.69% | 9.8% | <=70% |
| Variable | 9.79% | 9.9% |
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 |
Features
- Bill payment (BPAY) — BPAY
- Card access — Visa Debit
- Digital banking
- Extra repayments
- Guarantor supported
- Offset account
- Redraw facility
- Unlimited transactions
- P&I Repayments
Eligibility
- Employment status — Self EmployedAt 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.
Published by Resimac under the Consumer Data Right · Last updated 9 July 2026 · Product ID WHSL - SADC