{
  "snapshot_at": "2026-10-17T15:39:29Z",
  "brand": "Maitland Mutual Limited",
  "brand_slug": "maitland-mutual-limited",
  "product_id": "Secured_Personal_Loan",
  "cdr_url": "https://openbanking.themutual.com.au/OpenBanking/cds-au/v1/banking/products/Secured_Personal_Loan",
  "x_v": 7,
  "how_to_fetch": "curl -H 'x-v: 7' 'https://openbanking.themutual.com.au/OpenBanking/cds-au/v1/banking/products/Secured_Personal_Loan'",
  "note": "Verbatim `data` object of the bank's CDR product detail response, as fetched. The live endpoint needs the x-v header shown in how_to_fetch and will not open in a browser.",
  "data": {
    "features": [
      {
        "featureType": "REDRAW",
        "additionalInfo": "Minimum redraw $500.00, online or staff assisted"
      },
      {
        "featureType": "OTHER",
        "additionalInfo": "No early repayment fee"
      },
      {
        "featureType": "OTHER",
        "additionalInfo": "Loan terms up to 7 years"
      },
      {
        "featureType": "DIGITAL_BANKING"
      },
      {
        "featureType": "EXTRA_REPAYMENTS",
        "additionalInfo": "Additional repayments permitted without penalty"
      }
    ],
    "constraints": [
      {
        "constraintType": "MIN_LIMIT",
        "additionalValue": "5000.00",
        "additionalInfo": "Minimum loan amount $5,000.00"
      },
      {
        "constraintType": "MAX_LIMIT",
        "additionalValue": "150000.00",
        "additionalInfo": "Maximum loan amount $150,000.00"
      }
    ],
    "eligibility": [
      {
        "eligibilityType": "RESIDENCY_STATUS",
        "additionalValue": "Australian citizen or a permanent resident of Australia or otherwise approved"
      },
      {
        "eligibilityType": "MIN_AGE",
        "additionalValue": "18",
        "additionalInfo": "Borrower must be minimum age of 18 years old"
      },
      {
        "eligibilityType": "NATURAL_PERSON",
        "additionalInfo": "Available for personal use only"
      },
      {
        "eligibilityType": "OTHER",
        "additionalInfo": "Secured by vehichle up to the age of 7 years old at the time of application"
      }
    ],
    "fees": [
      {
        "name": "LOAN_APPLICATION_FEE_PERSONAL_LOAN",
        "feeType": "UPFRONT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "200.00"
        },
        "currency": "AUD",
        "additionalInfo": "Payable to cover costs when you apply for a loan.",
        "additionalInfoUri": "https://www.themutual.com.au/help-support/tools-services/lending-fees-and-charges/"
      },
      {
        "name": "DEFAULT_ADMINISTRATION_FEE",
        "feeType": "EVENT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "50.00"
        },
        "currency": "AUD",
        "additionalInfo": "Payable to us when the borrower (or security provider) has not performed an obligation on time including an obligation to pay money. This fee is payable monthly commencing one month after the obligation should have been performed and up to and including the month in which the obligation is performed. We debit these fees to your loan account each month until the default is remedied.",
        "additionalInfoUri": "https://www.themutual.com.au/help-support/tools-services/lending-fees-and-charges/"
      },
      {
        "name": "RENEGOTIATION_FEE",
        "feeType": "EVENT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "300.00"
        },
        "currency": "AUD",
        "additionalInfo": "Per renegotiation. Payable to us whenever we agree to renegotiate or vary conditions on your loan other than altering interest rate options.",
        "additionalInfoUri": "https://www.themutual.com.au/help-support/tools-services/lending-fees-and-charges/"
      },
      {
        "name": "SECURITY_SUBSTITUTION_FEE",
        "feeType": "EVENT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "300.00"
        },
        "currency": "AUD",
        "additionalInfo": "Per new security. Payable to us to substitute a new security for an existing one.",
        "additionalInfoUri": "https://www.themutual.com.au/help-support/tools-services/lending-fees-and-charges/"
      },
      {
        "name": "PPSR_SEARCH_&_REGISTRATION_FEE",
        "feeType": "EVENT",
        "feeMethodUType": "variable",
        "variable": {
          "feeMinimum": "0.00",
          "feeMaximum": "0.00"
        },
        "currency": "AUD",
        "additionalInfo": "Amount not ascertainable. ayable to us to cover the cost when we undertake a search of and register our interest in the Personal Property Securities Register for a vehicle and/or equipment that we are taking as security.",
        "additionalInfoUri": "https://www.themutual.com.au/help-support/tools-services/lending-fees-and-charges/"
      }
    ],
    "lendingRates": [
      {
        "lendingRateType": "FIXED",
        "rate": "0.0799",
        "comparisonRate": "0.0827",
        "calculationFrequency": "P1D",
        "applicationType": "UPFRONT",
        "interestPaymentDue": "IN_ARREARS",
        "repaymentType": "PRINCIPAL_AND_INTEREST",
        "loanPurpose": "OTHER",
        "additionalValue": "P7Y",
        "additionalInfoUri": "https://www.themutual.com.au/help-support/tools-services/interest-rates/"
      }
    ],
    "productCategory": "PERS_LOANS",
    "productId": "Secured_Personal_Loan",
    "effectiveFrom": "2026-06-30T00:00:00.000+10:00",
    "lastUpdated": "2026-07-01T08:27:37.000+10:00",
    "name": "Secured Personal Loan",
    "description": "A secured personal loan for worthwhile purposes, secured by a vehicle up to the age of 7 years old.",
    "brand": "TheMutualBank",
    "brandName": "The Mutual Bank",
    "applicationUri": "https://themutual.apply-online.com.au/#/7b828857-5d4f-4375-9cf2-31ebe038291c",
    "isTailored": true,
    "additionalInformation": {
      "overviewUri": "https://www.themutual.com.au/borrow/personal-loans/secured-personal-loan/",
      "feesAndPricingUri": "https://www.themutual.com.au/help-support/tools-services/lending-fees-and-charges/"
    }
  }
}