Resimac's structural sweet spot is 80% LVR alt-doc — sharper than Pepper or La Trobe in the same lane.
Three specialist non-banks live on the panel — Pepper for the credit-rehab pathway, La Trobe for the five-shape matrix, and Resimac for the 80% LVR alt-doc lane specifically. In Resimac's sweet spot, pricing runs 0.50-1.00% under the other two on identical SE / alt-doc files. Outside it, Pepper and La Trobe have broader appetite.
The three specialist non-banks · where Resimac fits
Pricing comparison on a shared file shape.
Hypothetical file: SE borrower, 2-year ABN, BAS-evidenced income, 80% LVR owner-occupier purchase, $650k loan, conforming everything else. The three non-banks priced side-by-side on the same shape:
At a glance · May 2026
- 80% LVR alt-doc rate
- ~6.49%
- Max OO LVR
- 95% (with LMI)
- Max investor LVR
- 90%
- Min ABN history (alt-doc)
- 2 years
- Doc types accepted
- BAS + bank statements + accountant declaration
- Assessment rate
- 8.49%
- DTI cap
- 7.0×
- Setup fee
- $995
- Broker turnaround
- 10-12 days
- SMSF
- No
Where Resimac doesn't fit
- Files with recent credit events. Resimac is conservative — small paid defaults > 24 months old may qualify; anything more recent or larger routes to Pepper Money.
- SMSF residential lending. Not in policy. AMP Bank or La Trobe are the panel doors.
- Lease-doc commercial. Not in Resimac's appetite. La Trobe Financial is the specialist door.
- 1-year self-employed. Requires 2 years ABN minimum. ING is the prime door for 1-year SE.
- Files with strong PAYG income at 80% LVR. Wrong door — prime lenders (Big 4 / Macquarie / ING) price materially under any specialist non-bank for vanilla PAYG files.
Want Resimac's number on an alt-doc file?
The borrowing-capacity calculator runs your shape against every active lender — including the three specialist non-banks. If your file is alt-doc 80% LVR conforming, Resimac will show sharpest. No email gate before the result.
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