Resimac Specialist

The Resimac Specialist full doc has been specifically tailored to suit the needs of borrowers who fall outside the mortgage insurance and banking guidelines. Types of borrowers that may fall into this category include: self-employed borrowers, credit impaired borrowers, contract workers and other applicants who do not fit into mainstream products, or borrowers who have reached their exposure with mortgage insurers.


  • Rate stepdown available
  • Debt consolidation including ATO debts
  • Up to 90% LVR
  • Unlimited arrears, and defaults under $2k
  • Unlimited cashout for any worthwhile purpose
  • End-to-end digital process

Not all features available on all products. Please refer to products specs for additional information.

Resimac Specialist Alt Doc

Tailored to suit the needs of borrowers who fall outside traditional lending. Examples include self-employed borrowers, credit impaired borrowers and contract workers.

Resimac Specialist Owner Occupied Rates

  • Principal & Interest

  • Interest Only

Resimac Specialist - Owner Occupier Clear Plus Assist
LVR Interest rate Comparison rate Interest rate Comparison rate Interest rate Comparison rate
<70% LVR 3.87%p.a. 3.94%p.a. 4.99%p.a. 5.07%p.a. 5.92%p.a. 6.00%p.a.
70-80% LVR 4.09%p.a. 4.16%p.a. 5.52%p.a. 5.60%p.a. 6.57%p.a. 6.65%p.a.
80-85% LVR 5.14%p.a. 5.22%p.a. 6.09%p.a. 6.17%p.a. 7.44%p.a. 7.52%p.a.
85-90% LVR 5.84%p.a. 5.92%p.a. N/A N/A N/A N/A
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Resimac Specialist - Owner Occupier Clear Plus Assist
LVR Interest rate Comparison rate Interest rate Comparison rate Interest rate Comparison rate
<70% LVR 4.02%p.a. 4.00%p.a. 5.14%p.a. 5.12%p.a. 6.07%p.a. 6.05%p.a.
70-80% LVR 4.24%p.a. 4.22%p.a. 5.67%p.a. 5.65%p.a. 6.72%p.a. 6.71%p.a.
80-85% LVR N/A N/A N/A N/A N/A N/A
85-90% LVR N/A N/A N/A N/A N/A N/A
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Resimac Specialist Investment Rates

  • Principal & Interest
  • Interest Only
Resimac Specialist - Investment Clear Plus Assist
LVR Interest rate Comparison rate Interest rate Comparison rate Interest rate Comparison rate
<70% LVR 4.17%p.a. 4.24%p.a. 5.29%p.a. 5.37%p.a. 6.22%p.a. 6.30%p.a.
70-80% LVR 4.39%p.a. 4.46%p.a. 5.82%p.a. 5.90%p.a. 6.87%p.a. 6.95%p.a.
80-85% LVR 5.44%p.a. 5.52%p.a. 6.39%p.a. 6.47%p.a. 7.74%p.a. 7.82%p.a.
85-90% LVR 6.14%p.a. 6.22%p.a. N/A N/A N/A N/A
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Resimac Specialist - Investment Clear Plus Assist
LVR Interest rate Comparison rate Interest rate Comparison rate Interest rate Comparison rate
<70% LVR 4.32%p.a. 4.30%p.a. 5.44%p.a. 5.42%p.a. 6.37%p.a. 6.35%p.a.
70-80% LVR 4.54%p.a. 4.52%p.a. 5.97%p.a. 5.95%p.a. 7.02%p.a. 7.01%p.a.
80-85% LVR 5.59%p.a. 5.57%p.a. 6.54%p.a. 6.53%p.a. 7.89%p.a. 7.88%p.a.
85-90% LVR 6.29%p.a. 6.27%p.a. N/A N/A N/A N/A
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*Interest rates on this site are effective from 15 September 2020. Rates shown apply to new business only and may vary before your loan is settled. Rates shown do not apply to all loan sizes, purposes, repayment types, scenarios or LVRs. Rates and promotions are subject to change without notice. The comparison rate is calculated on the basis of a loan of $150,000 over a term of 25 years. WARNING: This comparison rate is true only for the examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate. Terms & conditions, fees, charges and credit criteria apply.

Calculators

Loan Serviceability Calculators

LMI Premium Calculator

LMI Serviceability Calculators

Forms

Find below the forms to submit an application.

Application Form

The core document to begin your home loan application with Resimac.

Credit Card Authority Form

Provide authority to debit a credit card as outlined in the contract.

Interviewer Declaration

Confirm that the applicants understand the agreement that they are applying for.

Supporting Documentation Checklist

Ensure you have provided all the required documentation to progress.

Living Expense Declaration

Complete the breakdown of combined basic and additional living expenses.

Customer ID Form

Required if you have not been able to complete a face-to-face verification.

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