{ "brand": "NRMA Home Loans", "brand_label": "NRMA Home Loans", "brand_slug": "nrma-home-loans", "legal_entity_abn": "11068049178", "public_base_uri": "https://api.nrma.app.bendigobank.com.au", "logo_uri": "https://www.bendigobank.com.au/siteassets/partner/tpb/nrma.png", "status": "ok", "stale": false, "bank_last_updated": "2026-11-13T00:52:15Z", "at_a_glance": { "note": "This bank's lowest ranked rate per purpose, repayment type and rate kind, one line each: the lowest of the bank's own entries in the best/{purpose}/{repayment}/{lvr}/{loan}/{kind}.json buckets (broker-only rates left out, as there), so it matches best/ and top/. A bank that lends only to a named group (restricted membership) is left out of their entries and top but listed in entries_with_restricted; its lines here carry eligibility, a key into eligibility_sets saying who can borrow, with the bank's own words. reference_lvrs are the bucket LVRs where it is the bank's entry; a higher LVR usually costs more and that rate is in rows. Null lvr_min and lvr_max mean the bank states no LVR band, read as up to 80%. conditions is a key into condition_sets. unranked counts the rows no bucket ranks. comparison_rate_at_600000_pct is our comparison rate for a $600,000 loan over 25 years from the bank's published fees, not the bank's own figure (comparison_rate_pct, on $150,000); null where our check against the bank's figure failed or a fixed rate's revert rate is not known. Every product and rate row follows in products and rows.", "rates": [ {"purpose":"owner_occupied","repayment":"principal_and_interest","kind":"variable","rate_pct":6.44,"comparison_rate_pct":6.48,"comparison_rate_at_600000_pct":6.45,"product_label":"Basic Home Loan","lvr_min":50.01,"lvr_max":60,"reference_lvrs":[60],"loan_min":50000,"loan_max":null,"annual_fee":0,"upfront_fees":495.4,"exit_fees":350,"conditions":"k1","restrictions":[],"eligibility":null,"record_stale":false}, {"purpose":"owner_occupied","repayment":"principal_and_interest","kind":"fixed_1","rate_pct":6.59,"comparison_rate_pct":6.62,"comparison_rate_at_600000_pct":null,"product_label":"Basic Home Loan","lvr_min":0,"lvr_max":80,"reference_lvrs":[60,70,80],"loan_min":50000,"loan_max":null,"annual_fee":0,"upfront_fees":495.4,"exit_fees":350,"conditions":"k1","restrictions":[],"eligibility":null,"record_stale":false}, {"purpose":"owner_occupied","repayment":"principal_and_interest","kind":"fixed_2","rate_pct":6.59,"comparison_rate_pct":6.62,"comparison_rate_at_600000_pct":null,"product_label":"Basic Home Loan","lvr_min":0,"lvr_max":80,"reference_lvrs":[60,70,80],"loan_min":50000,"loan_max":null,"annual_fee":0,"upfront_fees":495.4,"exit_fees":350,"conditions":"k1","restrictions":[],"eligibility":null,"record_stale":false}, {"purpose":"owner_occupied","repayment":"principal_and_interest","kind":"fixed_3","rate_pct":6.69,"comparison_rate_pct":6.65,"comparison_rate_at_600000_pct":null,"product_label":"Basic Home Loan","lvr_min":0,"lvr_max":80,"reference_lvrs":[60,70,80],"loan_min":50000,"loan_max":null,"annual_fee":0,"upfront_fees":495.4,"exit_fees":350,"conditions":"k1","restrictions":[],"eligibility":null,"record_stale":false}, {"purpose":"owner_occupied","repayment":"principal_and_interest","kind":"fixed_4","rate_pct":6.79,"comparison_rate_pct":6.7,"comparison_rate_at_600000_pct":null,"product_label":"Basic Home Loan","lvr_min":0,"lvr_max":80,"reference_lvrs":[60,70,80],"loan_min":50000,"loan_max":null,"annual_fee":0,"upfront_fees":495.4,"exit_fees":350,"conditions":"k1","restrictions":[],"eligibility":null,"record_stale":false}, {"purpose":"owner_occupied","repayment":"principal_and_interest","kind":"fixed_5","rate_pct":6.79,"comparison_rate_pct":6.71,"comparison_rate_at_600000_pct":null,"product_label":"Basic Home Loan","lvr_min":0,"lvr_max":80,"reference_lvrs":[60,70,80],"loan_min":50000,"loan_max":null,"annual_fee":0,"upfront_fees":495.4,"exit_fees":350,"conditions":"k1","restrictions":[],"eligibility":null,"record_stale":false}, {"purpose":"owner_occupied","repayment":"interest_only","kind":"variable","rate_pct":7.54,"comparison_rate_pct":6.96,"comparison_rate_at_600000_pct":null,"product_label":"Basic 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published by each bank as public product reference data, as the Consumer Data Right requires, and are reproduced here as reference data with the source URL and the bank's own last-updated timestamp on every row. Rates change without notice and the rate a borrower is offered depends on the bank's assessment; check the bank's page before acting. This is not financial advice.", "products": [ { "product_id": "cd514842-f20f-4c6b-b367-de9c3c83f2f8", "product_name": "NRMA Basic Home Loan", "product_label": "Basic Home Loan", "product_url": "https://www.nrma.com.au/home-loans", "product_url_source": "feed", "terms_url": null, "terms_url_source": null, "description": "For customers looking for a simple, no frills home loan with low upfront fees and no ongoing fees.", "offset": false, "redraw": true, "extra_repayments": true, "annual_fee": 0.0, "upfront_fees": 495.4, "exit_fees": 350.0, "fees": [ { "name": "Establishment Fee", "fee_type": "UPFRONT", "amount": 150.0, "frequency": null, "info": null }, { "name": "Application Fee", "fee_type": "UPFRONT", "amount": 0.0, "frequency": null, "info": null }, { "name": "Security Processing Fee", "fee_type": "UPFRONT", "amount": 0.0, "frequency": null, "info": null }, { "name": "Settlement Service Fee", "fee_type": "UPFRONT", "amount": 345.4, "frequency": null, "info": null }, { "name": "Monthly Service Fee", "fee_type": "PERIODIC", "amount": 0.0, "frequency": "P1M", "info": "This fee is charged to cover the regular administration and servicing required for your loan" }, { "name": "Bank Cheque Fee", "fee_type": "EVENT", "amount": 10.0, "frequency": null, "info": null }, { "name": "Online Redraw Fee", "fee_type": "EVENT", "amount": 0.0, "frequency": null, "info": "Charged when completing a redraw online" }, { "name": "Manual Redraw Fee", "fee_type": "EVENT", "amount": 0.0, "frequency": null, "info": "Payable each time we agree to a redraw request you make otherwise than through Bendigo e-banking" }, { "name": "Duplicate Fee", "fee_type": "EVENT", "amount": 16.5, "frequency": null, "info": null }, { "name": "Default Fee", "fee_type": "EVENT", "amount": 35.0, "frequency": null, "info": null }, { "name": "Variation Fee", "fee_type": "EVENT", "amount": 250.0, "frequency": null, "info": null }, { "name": "Discharge Administration Fee", "fee_type": "EXIT", "amount": 350.0, "frequency": null, "info": null }, { "name": "Break Cost Fee", "fee_type": "OTHER", "amount": null, "frequency": null, "info": "Payable each time any of the following Break Events occur during a Fixed Rate Period: • at your request, we agree to change the Annual Percentage Rate under yo…" } ], "fees_as_published": null, "max_lvr": 80.0, "restrictions": [], "who_can_open": { "restricted": false, "groups": [], "open_note": null }, "eligibility": null, "discounts": [], "source_url": "https://api.nrma.app.bendigobank.com.au/cds-au/v1/banking/products/cd514842-f20f-4c6b-b367-de9c3c83f2f8", "source_snapshot": "/au/finance/home-loans/v1/source/nrma-home-loans/cd514842-f20f-4c6b-b367-de9c3c83f2f8.json", "snapshot_at": "2026-11-13T01:22:39Z", "bank_last_updated": "2026-11-13T11:52:15+11:00", "correction": null, "row_count": 36, "conditions": [ "Extra repayments on fixed loans limited to $20,000 a year without penalty" ] }, { "product_id": "e6353a5d-e8a3-4b2b-bfc9-8dd5cd79ac1f", "product_name": "NRMA Offset Home Loan", "product_label": "Offset Home Loan", "product_url": "https://www.nrma.com.au/home-loans", "product_url_source": "feed", "terms_url": null, "terms_url_source": null, "description": "For customers who want flexibility to pay down their loan sooner and access additional features such as offset accounts.", "offset": true, "redraw": true, "extra_repayments": true, "annual_fee": 180.0, "upfront_fees": 495.4, "exit_fees": 350.0, "fees": [ { "name": "Establishment Fee", "fee_type": "UPFRONT", "amount": 150.0, "frequency": null, "info": null }, { "name": "Application Fee", "fee_type": "UPFRONT", "amount": 0.0, "frequency": null, "info": null }, { "name": "Security Processing Fee", "fee_type": "UPFRONT", "amount": 0.0, "frequency": null, "info": null }, { "name": "Settlement Service Fee", "fee_type": "UPFRONT", "amount": 345.4, "frequency": null, "info": null }, { "name": "Monthly Service Fee", "fee_type": "PERIODIC", "amount": 15.0, "frequency": "P1M", "info": null }, { "name": "Bank Cheque Fee", "fee_type": "EVENT", "amount": 10.0, "frequency": null, "info": null }, { "name": "Online Redraw Fee", "fee_type": "EVENT", "amount": 0.0, "frequency": null, "info": null }, { "name": "Manual Redraw Fee", "fee_type": "EVENT", "amount": 0.0, "frequency": null, "info": "Payable each time we agree to a redraw request you make otherwise than through Bendigo e-banking" }, { "name": "Duplicate Fee", "fee_type": "EVENT", "amount": 16.5, "frequency": null, "info": null }, { "name": "Default Fee", "fee_type": "EVENT", "amount": 35.0, "frequency": null, "info": null }, { "name": "Variation Fee", "fee_type": "EVENT", "amount": 250.0, "frequency": null, "info": null }, { "name": "Discharge Administration Fee", "fee_type": "EXIT", "amount": 350.0, "frequency": null, "info": null }, { "name": "Break Cost Fee", "fee_type": "OTHER", "amount": null, "frequency": null, "info": "Payable each time any of the following Break Events occur during a Fixed Rate Period: • at your request, we agree to change the Annual Percentage Rate under yo…" } ], "fees_as_published": null, "max_lvr": 95.0, "restrictions": [], "who_can_open": { "restricted": false, "groups": [], "open_note": null }, "eligibility": null, "discounts": [], "source_url": "https://api.nrma.app.bendigobank.com.au/cds-au/v1/banking/products/e6353a5d-e8a3-4b2b-bfc9-8dd5cd79ac1f", "source_snapshot": "/au/finance/home-loans/v1/source/nrma-home-loans/e6353a5d-e8a3-4b2b-bfc9-8dd5cd79ac1f.json", "snapshot_at": "2026-11-13T01:22:39Z", "bank_last_updated": "2026-11-13T11:52:15+11:00", "correction": null, "row_count": 66, "conditions": [ "Extra repayments on fixed loans limited to $20,000 a year without penalty", "Bank's page says 10% deposit minimum (90% LVR); the feed has rate tiers to 95%" ] } ], "rows": [ { "brand": "NRMA Home Loans", "brand_label": "NRMA Home Loans", "brand_slug": "nrma-home-loans", "legal_entity_abn": "11068049178", "product_id": "cd514842-f20f-4c6b-b367-de9c3c83f2f8", "product_name": 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