Specialist Full Doc Plus - Wholesale
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.
- From (owner occupied)
- 8.49%
- 8.59% comparison
Interest Rates
Owner occupied — Principal & interest
| Type | Rate | Comparison | Applies To |
|---|---|---|---|
| Variable | 8.49% | 8.59% | <=70% LVR |
| Variable | 8.59% | 8.69% | 0.7001–0.8% |
| Variable | 9.09% | 9.2% | 0.8001–0.85% |
Owner occupied — Interest only
| Type | Rate | Comparison | Applies To |
|---|---|---|---|
| Variable | 8.49% | 8.59% | <=70% LVR |
| Variable | 8.59% | 8.69% | 0.7001–0.8% |
Fees
| Fee | Type | Amount |
|---|---|---|
| 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 |
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 — 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 — $1,500,000.00
- Minimum limit — $50,000.00
- Maximum LVR — 85%
- 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 - SFDP