ResimacSpecialist Full Doc Plus - Resimac
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
- Variable (owner occ. P&I)
- 8.74%8.84% comparison
- Variable (investor P&I)
- 9.04%
- Max LVR
- 85%
- Features
- offset, redraw, extra repayments
How it compares
This home loan in ink, against the best that every other institution publishes for anyone to apply for. Each figure is counted the same way for all of them.
| Rate | This home loan | Best anywhere | Typical institution | Where it sits |
|---|---|---|---|---|
| Variable home loanOwner occupier, principal & interest, 80% LVR | 8.84% | 5.69%AAA Financial Corporation's Portfolio Loan | 6.36%of 102 institutions | 100th lowest of 102 |
| Investor variable home loanInvestment, principal & interest, 80% LVR | 9.14% | 5.69%AAA Financial Corporation's Portfolio Loan | 6.58%of 102 institutions | 101st lowest of 102 |
Rates
Every rate Resimac publishes for this home loan, 11 in all.
Variable rate by LVR
Owner occupier, principal and interest, the lowest rate published for each band of the loan's share of the property's value
- 1–70%8.74%
- 70–80%8.84%
- 80–85%9.34%
| Type | Applies to | Term | Band | Rate | Comparison | Conditions |
|---|---|---|---|---|---|---|
| Variable | Investment, Interest only | - | 1–70% LVR | 9.04% | 9.15% | - |
| Variable | Investment, Interest only | - | 70–80% LVR | 9.14% | 9.25% | - |
| Variable | Investment, Interest only | - | 80–85% LVR | 9.64% | 9.75% | - |
| Variable | Investment, P&I | - | 1–70% LVR | 9.04% | 9.15% | - |
| Variable | Investment, P&I | - | 70–80% LVR | 9.14% | 9.25% | - |
| Variable | Investment, P&I | - | 80–85% LVR | 9.64% | 9.75% | - |
| Variable | Owner occupied, Interest only | - | 1–70% LVR | 8.74% | 8.84% | - |
| Variable | Owner occupied, Interest only | - | 70–80% LVR | 8.84% | 8.94% | - |
| Variable | Owner occupied, P&I | - | 1–70% LVR | 8.74% | 8.84% | - |
| Variable | Owner occupied, P&I | - | 70–80% LVR | 8.84% | 8.94% | - |
| Variable | Owner occupied, P&I | - | 80–85% LVR | 9.34% | 9.45% | - |
Rate changes
11 changes logged, newest first.
| Date | Rate | Was | Now | Change |
|---|---|---|---|---|
| 16 Oct 2026 | Variable, Investment, Interest only, 1–70% LVR | 8.79% | 9.04% | up 0.25 |
| 16 Oct 2026 | Variable, Investment, Interest only, 70–80% LVR | 8.89% | 9.14% | up 0.25 |
| 16 Oct 2026 | Variable, Investment, Interest only, 80–85% LVR | 9.39% | 9.64% | up 0.25 |
| 16 Oct 2026 | Variable, Investment, P&I, 1–70% LVR | 8.79% | 9.04% | up 0.25 |
| 16 Oct 2026 | Variable, Investment, P&I, 70–80% LVR | 8.89% | 9.14% | up 0.25 |
| 16 Oct 2026 | Variable, Investment, P&I, 80–85% LVR | 9.39% | 9.64% | up 0.25 |
| 16 Oct 2026 | Variable, Owner occupied, Interest only, 1–70% LVR | 8.49% | 8.74% | up 0.25 |
| 16 Oct 2026 | Variable, Owner occupied, Interest only, 70–80% LVR | 8.59% | 8.84% | up 0.25 |
| 16 Oct 2026 | Variable, Owner occupied, P&I, 1–70% LVR | 8.49% | 8.74% | up 0.25 |
| 16 Oct 2026 | Variable, Owner occupied, P&I, 70–80% LVR | 8.59% | 8.84% | up 0.25 |
| 16 Oct 2026 | Variable, Owner occupied, P&I, 80–85% LVR | 9.09% | 9.34% | up 0.25 |
Each change is logged the night it appears in the rates Resimac publishes. See how every lender answered the RBA on the rate tracker.
Fees
17 fees published, grouped by when they're charged.
When you take it out1
- 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%
0.75% of balance
When you make a transaction2
- Settlement Payment Fee - Non WBC accounts
Settlement payments to non Westpac accounts
$12 - Settlement Payment Fee - WBC
For settlement payments to Westpac accounts
$1.50
If a payment is late or fails1
- Dishonour Fee$15
When particular things happen10
- Arrears Management Fee$55
- Attendance fee
Per attendance
$308 - Discharge Fee
Charged per discharged loan
$300 - Document retrieval fee
Charged per request
$25 - Extra Statement Fee$5.50
- Lender Settlement Fee$949
- Manual Redraw Fee$26
- Priority Payment Fee$15
- Settlement Cancellation Fee
For each cancelled settlement.
$55 - Variation fee$165 to $195
Other fees3
- Panel Solicitor fee - Discharge
Fee charged at cost
From $0 - Third party fees
Fees charged at cost
From $0 - Valuation Fee
Fee charged at cost
From $0
Features
- P&I Repayments
- Interest Only repayments
- Split loan - Part fixed / part variable
Eligibility and limits
- Minimum age 18
- Residency: Australian citizens and permanent residents, New Zealand citizens and permanent residents.
- Employment: PAYG and Self Employed
- Amount $50,000 to $1,500,000
- Maximum LVR 85%
- Individuals, companies, and discretionary trusts allowed; no unit or hybrid trusts.
- Maximum aggregate loan exposure: $5,000,000.
- Acceptable Security: Completed dwellings only. No construction. Vacant land acceptable as collateral security.
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Published by Resimac under the Consumer Data Right, last changed by them on 15 Oct 2026. Figures are shown as the institution publishes them and can change without notice; confirm on their site before applying. The Finance Algorithm earns nothing from any product listed here.