---
title: "Specialist Full Doc Clear - Wholesale — 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/WHSL%20-%20SFDC
source: "CDR Compare"
language: en-AU
last_updated: 2026-08-20T23:27:23.053061Z
---

# Specialist Full Doc Clear - Wholesale — 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 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 Wholesale partners.

## 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: `WHSL - SFDC`
- Last updated by the provider: 20 August 2026
- Source payload (JSON): https://www.cdrcompare.au/api/raw/resimac/WHSL%20-%20SFDC
- Provider page: https://www.cdrcompare.au/brands/resimac

---

Source: [CDR Compare](https://www.cdrcompare.au/brands/resimac/products/WHSL%20-%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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