{
  "source": "Each bank's own published product data (its Consumer Data Right Product Reference Data API, public and unauthenticated), plus a few terms that data leaves out, read from the bank's own pages",
  "licence_note": "Rates are 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.",
  "comparison_rate_note": "The comparison rate is the bank's own figure. Australian law requires it to be calculated on a $150,000 secured loan over 25 years, including most fees, so it understates the effect of fees on a larger loan.",
  "comparison_rate_warning": "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.",
  "generated_at": "2026-11-13T01:26:27Z",
  "row_count": 8174,
  "rows": [
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    {"brand":"Arab Bank Australia Limited","brand_label":"Arab Bank Australia","brand_slug":"arab-bank-australia-limited","legal_entity_abn":"37002950745","product_id":"PIPINV01","product_name":"Basics Investment Loan Special Offer","product_label":"Basics Investment Loan Special Offer","product_url":"https://www.arabbank.com.au/personal/investment-loan/purchase-an-investment-property","terms_url":null,"record_stale":true,"record_correction":null,"rate_kind":"variable","lending_rate_type":"VARIABLE","fixed_months":null,"kind":"variable","purpose":"investment","repayment":"principal_and_interest","rate":0.0979,"rate_pct":9.79,"comparison_rate":0.0992,"comparison_rate_pct":9.92,"lvr_min":null,"lvr_max":null,"lvr_source":null,"loan_min":50000.0,"loan_max":null,"interest_in_advance":false,"offset":false,"redraw":true,"annual_fee":96.0,"upfront_fees":600.0,"exit_fees":250.0,"revert_rate":null,"revert_rate_basis":null,"comparison_check":{"ok":true,"ours_at_150k":9.92,"bank":9.92},"restrictions":[],"eligibility":null,"ranked":true,"conditions":["not updated by the bank since 2026-10-12, before the Reserve Bank's cash rate rise of 4 November 2026; check its page, as the rate may have changed","LVR not stated; ranked at 80% LVR and below only","New customers, or existing customers buying a new property, applying direct (not through a broker or referrer)","Advertised rate is for 60% LVR; higher LVRs (to 95%) priced on request"],"additional_info":null,"source_url":"https://public.cdr.arabbank.com.au/cds-au/v1/banking/products/PIPINV01","source_snapshot":"/au/finance/home-loans/v1/source/arab-bank-australia-limited/PIPINV01.json","bank_last_updated":"2026-10-12T23:03:31.766097Z"},
    {"brand":"Arab Bank Australia Limited","brand_label":"Arab Bank Australia","brand_slug":"arab-bank-australia-limited","legal_entity_abn":"37002950745","product_id":"PIPINV01","product_name":"Basics Investment Loan Special Offer","product_label":"Basics Investment Loan Special Offer","product_url":"https://www.arabbank.com.au/personal/investment-loan/purchase-an-investment-property","terms_url":null,"record_stale":true,"record_correction":null,"rate_kind":"variable","lending_rate_type":"DISCOUNT","fixed_months":null,"kind":"variable","purpose":"investment","repayment":"principal_and_interest","rate":0.0655,"rate_pct":6.55,"comparison_rate":0.0668,"comparison_rate_pct":6.68,"lvr_min":0.0,"lvr_max":60.0,"lvr_source":"tier","loan_min":50000.0,"loan_max":null,"interest_in_advance":false,"offset":false,"redraw":true,"annual_fee":96.0,"upfront_fees":600.0,"exit_fees":250.0,"revert_rate":null,"revert_rate_basis":null,"comparison_check":{"ok":true,"ours_at_150k":6.68,"bank":6.68},"restrictions":[],"eligibility":null,"ranked":true,"conditions":["not updated by the bank since 2026-10-12, before the Reserve Bank's cash rate rise of 4 November 2026; check its page, as the rate may have changed","New customers, or existing customers buying a new property, applying direct (not through a broker or referrer)","Advertised rate is for 60% LVR; higher LVRs (to 95%) priced on request"],"additional_info":"The comparison rate is calculated on a loan amount of $150,000 over a term of 25 years based on monthly repayments. Different amounts and terms will result in different Comparison Rates.","source_url":"https://public.cdr.arabbank.com.au/cds-au/v1/banking/products/PIPINV01","source_snapshot":"/au/finance/home-loans/v1/source/arab-bank-australia-limited/PIPINV01.json","bank_last_updated":"2026-10-12T23:03:31.766097Z"},
    {"brand":"Arab Bank Australia Limited","brand_label":"Arab Bank Australia","brand_slug":"arab-bank-australia-limited","legal_entity_abn":"37002950745","product_id":"BRIDG01","product_name":"Bridging Loan","product_label":"Bridging Loan","product_url":"https://www.arabbank.com.au/personal/home-loans/bridging","terms_url":null,"record_stale":true,"record_correction":"no ongoing fee: the bank's page says \"No monthly account keeping fees or ongoing annual fees\" (checked 2026-11-01); the feed's $8 a month is not charged","rate_kind":"variable","lending_rate_type":"VARIABLE","fixed_months":null,"kind":"variable","purpose":"owner_occupied","repayment":"interest_only","rate":0.109,"rate_pct":10.9,"comparison_rate":0.1097,"comparison_rate_pct":10.97,"lvr_min":null,"lvr_max":null,"lvr_source":null,"loan_min":null,"loan_max":null,"interest_in_advance":false,"offset":false,"redraw":false,"annual_fee":0,"upfront_fees":750.0,"exit_fees":250.0,"revert_rate":null,"revert_rate_basis":null,"comparison_check":null,"restrictions":["bridging"],"eligibility":null,"ranked":false,"conditions":["no ongoing fee: the bank's page says \"No monthly account keeping fees or ongoing annual fees\" (checked 2026-11-01); the feed's $8 a month is not charged","not updated by the bank since 2026-10-12, before the Reserve Bank's cash rate rise of 4 November 2026; check its page, as the rate may have changed","bridging loan","LVR not stated; ranked at 80% LVR and below only","Bank's page says no monthly account keeping or ongoing annual fees (feed has $96 a year)","Interest-only repayments for six months"],"additional_info":"The comparison rate is calculated on a loan amount of $150,000 over a term of 25 years based on monthly repayments. Different amounts and terms will result in different Comparison Rates.","source_url":"https://public.cdr.arabbank.com.au/cds-au/v1/banking/products/BRIDG01","source_snapshot":"/au/finance/home-loans/v1/source/arab-bank-australia-limited/BRIDG01.json","bank_last_updated":"2026-10-12T23:03:31.787095Z"},
    {"brand":"Arab Bank Australia Limited","brand_label":"Arab Bank Australia","brand_slug":"arab-bank-australia-limited","legal_entity_abn":"37002950745","product_id":"ESS01","product_name":"Essentials Home Loan","product_label":"Essentials Home Loan","product_url":"https://www.arabbank.com.au/personal/home-loans/essentials","terms_url":null,"record_stale":true,"record_correction":null,"rate_kind":"variable","lending_rate_type":"VARIABLE","fixed_months":null,"kind":"variable","purpose":"owner_occupied","repayment":"principal_and_interest","rate":0.0964,"rate_pct":9.64,"comparison_rate":0.0969,"comparison_rate_pct":9.69,"lvr_min":null,"lvr_max":null,"lvr_source":null,"loan_min":50000.0,"loan_max":null,"interest_in_advance":false,"offset":true,"redraw":true,"annual_fee":null,"upfront_fees":600.0,"exit_fees":250.0,"revert_rate":null,"revert_rate_basis":null,"comparison_check":{"ok":true,"ours_at_150k":9.69,"bank":9.69},"restrictions":[],"eligibility":null,"ranked":true,"conditions":["not updated by the bank since 2026-10-12, before the Reserve Bank's cash rate rise of 4 November 2026; check its page, as the rate may have changed","LVR not stated; ranked at 80% LVR and below only"],"additional_info":"The comparison rate is calculated on a loan amount of $150,000 over a term of 25 years based on monthly repayments. Different amounts and terms will result in different Comparison Rates.","source_url":"https://public.cdr.arabbank.com.au/cds-au/v1/banking/products/ESS01","source_snapshot":"/au/finance/home-loans/v1/source/arab-bank-australia-limited/ESS01.json","bank_last_updated":"2026-10-12T23:03:31.766093Z"},
    {"brand":"Arab Bank Australia Limited","brand_label":"Arab Bank Australia","brand_slug":"arab-bank-australia-limited","legal_entity_abn":"37002950745","product_id":"ESS02","product_name":"Essentials Home Loan Special Offer","product_label":"Essentials Home Loan Special Offer","product_url":"https://www.arabbank.com.au/personal/home-loans/its-time-to-grow","terms_url":null,"record_stale":true,"record_correction":null,"rate_kind":"variable","lending_rate_type":"VARIABLE","fixed_months":null,"kind":"variable","purpose":"owner_occupied","repayment":"principal_and_interest","rate":0.0964,"rate_pct":9.64,"comparison_rate":0.0969,"comparison_rate_pct":9.69,"lvr_min":null,"lvr_max":null,"lvr_source":null,"loan_min":50000.0,"loan_max":null,"interest_in_advance":false,"offset":true,"redraw":true,"annual_fee":null,"upfront_fees":600.0,"exit_fees":250.0,"revert_rate":null,"revert_rate_basis":null,"comparison_check":{"ok":true,"ours_at_150k":9.69,"bank":9.69},"restrictions":[],"eligibility":null,"ranked":true,"conditions":["not updated by the bank since 2026-10-12, before the Reserve Bank's cash rate rise of 4 November 2026; check its page, as the rate may have changed","LVR not stated; ranked at 80% LVR and below only","New customers, or existing customers buying a new owner-occupied property, applying direct (not through a broker or referrer)","Advertised rate is for 60% LVR; higher LVRs (to 95%) priced on request"],"additional_info":null,"source_url":"https://public.cdr.arabbank.com.au/cds-au/v1/banking/products/ESS02","source_snapshot":"/au/finance/home-loans/v1/source/arab-bank-australia-limited/ESS02.json","bank_last_updated":"2026-10-12T23:03:31.766096Z"},
    {"brand":"Arab Bank Australia Limited","brand_label":"Arab Bank Australia","brand_slug":"arab-bank-australia-limited","legal_entity_abn":"37002950745","product_id":"ESS02","product_name":"Essentials Home Loan Special Offer","product_label":"Essentials Home Loan Special Offer","product_url":"https://www.arabbank.com.au/personal/home-loans/its-time-to-grow","terms_url":null,"record_stale":true,"record_correction":null,"rate_kind":"variable","lending_rate_type":"DISCOUNT","fixed_months":null,"kind":"variable","purpose":"owner_occupied","repayment":"principal_and_interest","rate":0.065,"rate_pct":6.5,"comparison_rate":0.0654,"comparison_rate_pct":6.54,"lvr_min":0.0,"lvr_max":60.0,"lvr_source":"tier","loan_min":50000.0,"loan_max":null,"interest_in_advance":false,"offset":true,"redraw":true,"annual_fee":null,"upfront_fees":600.0,"exit_fees":250.0,"revert_rate":null,"revert_rate_basis":null,"comparison_check":{"ok":true,"ours_at_150k":6.55,"bank":6.54},"restrictions":[],"eligibility":null,"ranked":true,"conditions":["not updated by the bank since 2026-10-12, before the Reserve Bank's cash rate rise of 4 November 2026; check its page, as the rate may have changed","New customers, or existing customers buying a new owner-occupied property, applying direct (not through a broker or referrer)","Advertised rate is for 60% LVR; higher LVRs (to 95%) priced on request"],"additional_info":"The comparison rate is calculated on a loan amount of $150,000 over a term of 25 years based on monthly repayments. Different amounts and terms will result in different Comparison Rates.","source_url":"https://public.cdr.arabbank.com.au/cds-au/v1/banking/products/ESS02","source_snapshot":"/au/finance/home-loans/v1/source/arab-bank-australia-limited/ESS02.json","bank_last_updated":"2026-10-12T23:03:31.766096Z"},
    {"brand":"Arab Bank Australia Limited","brand_label":"Arab Bank Australia","brand_slug":"arab-bank-australia-limited","legal_entity_abn":"37002950745","product_id":"ESSINV01","product_name":"Essentials Investment Loan","product_label":"Essentials Investment Loan","product_url":"https://www.arabbank.com.au/personal/investment-loans/essentials","terms_url":null,"record_stale":true,"record_correction":null,"rate_kind":"variable","lending_rate_type":"VARIABLE","fixed_months":null,"kind":"variable","purpose":"investment","repayment":"principal_and_interest","rate":0.0989,"rate_pct":9.89,"comparison_rate":0.0994,"comparison_rate_pct":9.94,"lvr_min":null,"lvr_max":null,"lvr_source":null,"loan_min":50000.0,"loan_max":null,"interest_in_advance":false,"offset":true,"redraw":true,"annual_fee":null,"upfront_fees":600.0,"exit_fees":250.0,"revert_rate":null,"revert_rate_basis":null,"comparison_check":{"ok":true,"ours_at_150k":9.94,"bank":9.94},"restrictions":[],"eligibility":null,"ranked":true,"conditions":["not updated by the bank since 2026-10-12, before the Reserve Bank's cash rate rise of 4 November 2026; check its page, as the rate may have changed","LVR not stated; ranked at 80% LVR and below only"],"additional_info":"The comparison rate is calculated on a loan amount of $150,000 over a term of 25 years based on monthly repayments. Different amounts and terms will result in different Comparison Rates.","source_url":"https://public.cdr.arabbank.com.au/cds-au/v1/banking/products/ESSINV01","source_snapshot":"/au/finance/home-loans/v1/source/arab-bank-australia-limited/ESSINV01.json","bank_last_updated":"2026-10-12T23:03:31.766088Z"},
    {"brand":"Arab Bank Australia Limited","brand_label":"Arab Bank Australia","brand_slug":"arab-bank-australia-limited","legal_entity_abn":"37002950745","product_id":"ITTIINV01","product_name":"Essentials Investment Loan Special Offer","product_label":"Essentials Investment Loan Special Offer","product_url":"https://www.arabbank.com.au/personal/investment-loans/time-to-invest","terms_url":null,"record_stale":true,"record_correction":null,"rate_kind":"variable","lending_rate_type":"VARIABLE","fixed_months":null,"kind":"variable","purpose":"investment","repayment":"principal_and_interest","rate":0.0989,"rate_pct":9.89,"comparison_rate":0.0994,"comparison_rate_pct":9.94,"lvr_min":null,"lvr_max":null,"lvr_source":null,"loan_min":50000.0,"loan_max":null,"interest_in_advance":false,"offset":true,"redraw":true,"annual_fee":null,"upfront_fees":600.0,"exit_fees":250.0,"revert_rate":null,"revert_rate_basis":null,"comparison_check":{"ok":true,"ours_at_150k":9.94,"bank":9.94},"restrictions":[],"eligibility":null,"ranked":true,"conditions":["not updated by the bank since 2026-10-12, before the Reserve Bank's cash rate rise of 4 November 2026; check its page, as the rate may have changed","LVR not stated; ranked at 80% LVR and below only","New customers, or existing customers buying a new property, applying direct (not through a broker or referrer)","Advertised rate is for 60% LVR; higher LVRs (to 95%) priced on request"],"additional_info":null,"source_url":"https://public.cdr.arabbank.com.au/cds-au/v1/banking/products/ITTIINV01","source_snapshot":"/au/finance/home-loans/v1/source/arab-bank-australia-limited/ITTIINV01.json","bank_last_updated":"2026-10-12T23:03:31.766094Z"},
    {"brand":"Arab Bank Australia Limited","brand_label":"Arab Bank Australia","brand_slug":"arab-bank-australia-limited","legal_entity_abn":"37002950745","product_id":"ITTIINV01","product_name":"Essentials Investment Loan Special Offer","product_label":"Essentials Investment Loan Special Offer","product_url":"https://www.arabbank.com.au/personal/investment-loans/time-to-invest","terms_url":null,"record_stale":true,"record_correction":null,"rate_kind":"variable","lending_rate_type":"DISCOUNT","fixed_months":null,"kind":"variable","purpose":"investment","repayment":"principal_and_interest","rate":0.0665,"rate_pct":6.65,"comparison_rate":0.067,"comparison_rate_pct":6.7,"lvr_min":0.0,"lvr_max":60.0,"lvr_source":"tier","loan_min":50000.0,"loan_max":null,"interest_in_advance":false,"offset":true,"redraw":true,"annual_fee":null,"upfront_fees":600.0,"exit_fees":250.0,"revert_rate":null,"revert_rate_basis":null,"comparison_check":{"ok":true,"ours_at_150k":6.7,"bank":6.7},"restrictions":[],"eligibility":null,"ranked":true,"conditions":["not updated by the bank since 2026-10-12, before the Reserve Bank's cash rate rise of 4 November 2026; check its page, as the rate may have changed","New customers, or existing customers buying a new property, applying direct (not through a broker or referrer)","Advertised rate is for 60% LVR; higher LVRs (to 95%) priced on request"],"additional_info":"The comparison rate is calculated on a loan amount of $150,000 over a term of 25 years based on monthly repayments. Different amounts and terms will result in different Comparison Rates.","source_url":"https://public.cdr.arabbank.com.au/cds-au/v1/banking/products/ITTIINV01","source_snapshot":"/au/finance/home-loans/v1/source/arab-bank-australia-limited/ITTIINV01.json","bank_last_updated":"2026-10-12T23:03:31.766094Z"},
    {"brand":"Arab Bank Australia Limited","brand_label":"Arab Bank Australia","brand_slug":"arab-bank-australia-limited","legal_entity_abn":"37002950745","product_id":"FIXEDINV01","product_name":"Fixed Rate Home Loan (Investor)","product_label":"Fixed Rate Home Loan (Investor)","product_url":"https://www.arabbank.com.au/personal/home-loans/fixed-rate","terms_url":null,"record_stale":true,"record_correction":null,"rate_kind":"fixed","lending_rate_type":"FIXED","fixed_months":12,"kind":"fixed_1","purpose":"investment","repayment":"principal_and_interest","rate":0.0674,"rate_pct":6.74,"comparison_rate":0.0861,"comparison_rate_pct":8.61,"lvr_min":0.0,"lvr_max":60.0,"lvr_source":"tier","loan_min":50000.0,"loan_max":null,"interest_in_advance":false,"offset":false,"redraw":false,"annual_fee":null,"upfront_fees":600.0,"exit_fees":250.0,"revert_rate":null,"revert_rate_basis":null,"comparison_check":{"ok":false,"ours_at_150k":null,"bank":8.61,"reason":"no variable rate reproduces the bank's figure"},"restrictions":[],"eligibility":null,"ranked":true,"conditions":["not updated by the bank since 2026-10-12, before the Reserve Bank's cash rate rise of 4 November 2026; check its page, as the rate may have changed","Advertised fixed rates are for 60% LVR; up to 95% priced on request","Reverts to the Basics Home Loan variable rate less 1.00% (investment) at the end of the fixed term"],"additional_info":"Maximum LVR for the advertised rates is 60%. For loans with LVRs up to 95%, contact one of our Relationship Managers for a rate. Upon expiry of your fixed term, your rate will revert to our variable Basics Home Loan interest rate, less a margin of 1.00% for Investment loans. The comparison rate is…","source_url":"https://public.cdr.arabbank.com.au/cds-au/v1/banking/products/FIXEDINV01","source_snapshot":"/au/finance/home-loans/v1/source/arab-bank-australia-limited/FIXEDINV01.json","bank_last_updated":"2026-10-12T23:03:31.73267Z"},
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    {"brand":"Australian Mutual Bank LTD","brand_label":"Australian Mutual Bank","brand_slug":"australian-mutual-bank-ltd","legal_entity_abn":"30087650459","product_id":"4da0798e-1e71-11f1-901a-325096b39f47","product_name":"Your Way Plus Fixed Home Loan","product_label":"Your Way Plus Fixed Home Loan","product_url":"https://australianmutual.bank/loans/home-loans/your-way-plus-owner-occupier-home-loan/","terms_url":"https://australianmutual.bank/loans/home-loans/your-way-plus-owner-occupier-home-loan/","record_stale":false,"record_correction":"no establishment fee on Your Way Plus: the bank's page says \"Establishment fee $0 (Usually $600)\" (checked 2026-11-13)","rate_kind":"fixed","lending_rate_type":"FIXED","fixed_months":24,"kind":"fixed_2","purpose":"owner_occupied","repayment":"principal_and_interest","rate":0.0719,"rate_pct":7.19,"comparison_rate":0.0768,"comparison_rate_pct":7.68,"lvr_min":90.1,"lvr_max":98.0,"lvr_source":"tier","loan_min":150000.0,"loan_max":null,"interest_in_advance":false,"offset":true,"redraw":true,"annual_fee":300.0,"upfront_fees":0,"exit_fees":250.0,"revert_rate":0.0744,"revert_rate_basis":"inferred","comparison_check":{"ok":true,"ours_at_150k":7.65,"bank":7.68},"restrictions":["restricted_membership"],"eligibility":{"restricted":true,"who":"Australian education sector employees (current or retired) and their families","quote":"Membership is open to current or retired employees of the Australian education sector or family members of members (i.e. shareholders) of the Bank.","source_url":"https://ob.tmbl.com.au/ambank/cds-au/v1/banking/products/4da0798e-1e71-11f1-901a-325096b39f47"},"ranked":true,"conditions":["no establishment fee on Your Way Plus: the bank's page says \"Establishment fee $0 (Usually $600)\" (checked 2026-11-13)","restricted membership: Australian education sector employees (current or retired) and their families","Rates are for new business only (per the bank's terms on 2026-11-01; that sentence could not be found in them today, so check the bank's page)","Extra repayments while fixed capped at $10k per anniversary year","$600 establishment fee is waived on Your Way Plus (data shows $600)"],"additional_info":"Fixed rate for 2 years. Comparison rates quoted are based on $150,000 for a term of 25 years. Rates apply to secured loans only. 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…","source_url":"https://ob.tmbl.com.au/ambank/cds-au/v1/banking/products/4da0798e-1e71-11f1-901a-325096b39f47","source_snapshot":"/au/finance/home-loans/v1/source/australian-mutual-bank-ltd/4da0798e-1e71-11f1-901a-325096b39f47.json","bank_last_updated":"2026-11-11T01:40:49.000+11:00"},
    {"brand":"Australian Mutual Bank LTD","brand_label":"Australian Mutual Bank","brand_slug":"australian-mutual-bank-ltd","legal_entity_abn":"30087650459","product_id":"4da0798e-1e71-11f1-901a-325096b39f47","product_name":"Your Way Plus Fixed Home Loan","product_label":"Your Way Plus Fixed Home Loan","product_url":"https://australianmutual.bank/loans/home-loans/your-way-plus-owner-occupier-home-loan/","terms_url":"https://australianmutual.bank/loans/home-loans/your-way-plus-owner-occupier-home-loan/","record_stale":false,"record_correction":"no establishment fee on Your Way Plus: the bank's page says \"Establishment fee $0 (Usually $600)\" (checked 2026-11-13)","rate_kind":"fixed","lending_rate_type":"FIXED","fixed_months":36,"kind":"fixed_3","purpose":"owner_occupied","repayment":"principal_and_interest","rate":0.0684,"rate_pct":6.84,"comparison_rate":0.0685,"comparison_rate_pct":6.85,"lvr_min":0.1,"lvr_max":60.0,"lvr_source":"tier","loan_min":150000.0,"loan_max":null,"interest_in_advance":false,"offset":true,"redraw":true,"annual_fee":300.0,"upfront_fees":0,"exit_fees":250.0,"revert_rate":0.0644,"revert_rate_basis":"inferred","comparison_check":{"ok":true,"ours_at_150k":6.82,"bank":6.85},"restrictions":["restricted_membership"],"eligibility":{"restricted":true,"who":"Australian education sector employees (current or retired) and their families","quote":"Membership is open to current or retired employees of the Australian education sector or family members of members (i.e. shareholders) of the Bank.","source_url":"https://ob.tmbl.com.au/ambank/cds-au/v1/banking/products/4da0798e-1e71-11f1-901a-325096b39f47"},"ranked":true,"conditions":["no establishment fee on Your Way Plus: the bank's page says \"Establishment fee $0 (Usually $600)\" (checked 2026-11-13)","restricted membership: Australian education sector employees (current or retired) and their families","Rates are for new business only (per the bank's terms on 2026-11-01; that sentence could not be found in them today, so check the bank's page)","Extra repayments while fixed capped at $10k per anniversary year","$600 establishment fee is waived on Your Way Plus (data shows $600)"],"additional_info":"Fixed rate for 3 years. Comparison rates quoted are based on $150,000 for a term of 25 years. Rates apply to secured loans only. 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…","source_url":"https://ob.tmbl.com.au/ambank/cds-au/v1/banking/products/4da0798e-1e71-11f1-901a-325096b39f47","source_snapshot":"/au/finance/home-loans/v1/source/australian-mutual-bank-ltd/4da0798e-1e71-11f1-901a-325096b39f47.json","bank_last_updated":"2026-11-11T01:40:49.000+11:00"},
    {"brand":"Australian Mutual Bank LTD","brand_label":"Australian Mutual Bank","brand_slug":"australian-mutual-bank-ltd","legal_entity_abn":"30087650459","product_id":"4da0798e-1e71-11f1-901a-325096b39f47","product_name":"Your Way Plus Fixed Home Loan","product_label":"Your Way Plus Fixed Home Loan","product_url":"https://australianmutual.bank/loans/home-loans/your-way-plus-owner-occupier-home-loan/","terms_url":"https://australianmutual.bank/loans/home-loans/your-way-plus-owner-occupier-home-loan/","record_stale":false,"record_correction":"no establishment fee on Your Way Plus: the bank's page says \"Establishment fee $0 (Usually $600)\" (checked 2026-11-13)","rate_kind":"fixed","lending_rate_type":"FIXED","fixed_months":36,"kind":"fixed_3","purpose":"owner_occupied","repayment":"principal_and_interest","rate":0.0684,"rate_pct":6.84,"comparison_rate":0.0692,"comparison_rate_pct":6.92,"lvr_min":60.1,"lvr_max":80.0,"lvr_source":"tier","loan_min":150000.0,"loan_max":null,"interest_in_advance":false,"offset":true,"redraw":true,"annual_fee":300.0,"upfront_fees":0,"exit_fees":250.0,"revert_rate":null,"revert_rate_basis":null,"comparison_check":{"ok":false,"ours_at_150k":null,"bank":6.92,"reason":"no variable rate reproduces the bank's figure"},"restrictions":["restricted_membership"],"eligibility":{"restricted":true,"who":"Australian education sector employees (current or retired) and their families","quote":"Membership is open to current or retired employees of the Australian education sector or family members of members (i.e. shareholders) of the Bank.","source_url":"https://ob.tmbl.com.au/ambank/cds-au/v1/banking/products/4da0798e-1e71-11f1-901a-325096b39f47"},"ranked":true,"conditions":["no establishment fee on Your Way Plus: the bank's page says \"Establishment fee $0 (Usually $600)\" (checked 2026-11-13)","restricted membership: Australian education sector employees (current or retired) and their families","Rates are for new business only (per the bank's terms on 2026-11-01; that sentence could not be found in them today, so check the bank's page)","Extra repayments while fixed capped at $10k per anniversary year","$600 establishment fee is waived on Your Way Plus (data shows $600)"],"additional_info":"Fixed rate for 3 years. Comparison rates quoted are based on $150,000 for a term of 25 years. Rates apply to secured loans only. 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…","source_url":"https://ob.tmbl.com.au/ambank/cds-au/v1/banking/products/4da0798e-1e71-11f1-901a-325096b39f47","source_snapshot":"/au/finance/home-loans/v1/source/australian-mutual-bank-ltd/4da0798e-1e71-11f1-901a-325096b39f47.json","bank_last_updated":"2026-11-11T01:40:49.000+11:00"},
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    {"brand":"Australian Mutual Bank LTD","brand_label":"Australian Mutual Bank","brand_slug":"australian-mutual-bank-ltd","legal_entity_abn":"30087650459","product_id":"4da0798e-1e71-11f1-901a-325096b39f47","product_name":"Your Way Plus Fixed Home Loan","product_label":"Your Way Plus Fixed Home Loan","product_url":"https://australianmutual.bank/loans/home-loans/your-way-plus-owner-occupier-home-loan/","terms_url":"https://australianmutual.bank/loans/home-loans/your-way-plus-owner-occupier-home-loan/","record_stale":false,"record_correction":"no establishment fee on Your Way Plus: the bank's page says \"Establishment fee $0 (Usually $600)\" (checked 2026-11-13)","rate_kind":"fixed","lending_rate_type":"FIXED","fixed_months":48,"kind":"fixed_4","purpose":"owner_occupied","repayment":"principal_and_interest","rate":0.0689,"rate_pct":6.89,"comparison_rate":0.069,"comparison_rate_pct":6.9,"lvr_min":0.1,"lvr_max":60.0,"lvr_source":"tier","loan_min":150000.0,"loan_max":null,"interest_in_advance":false,"offset":true,"redraw":true,"annual_fee":300.0,"upfront_fees":0,"exit_fees":250.0,"revert_rate":0.0644,"revert_rate_basis":"inferred","comparison_check":{"ok":true,"ours_at_150k":6.88,"bank":6.9},"restrictions":["restricted_membership"],"eligibility":{"restricted":true,"who":"Australian education sector employees (current or retired) and their families","quote":"Membership is open to current or retired employees of the Australian education sector or family members of members (i.e. shareholders) of the Bank.","source_url":"https://ob.tmbl.com.au/ambank/cds-au/v1/banking/products/4da0798e-1e71-11f1-901a-325096b39f47"},"ranked":true,"conditions":["no establishment fee on Your Way Plus: the bank's page says \"Establishment fee $0 (Usually $600)\" (checked 2026-11-13)","restricted membership: Australian education sector employees (current or retired) and their families","Rates are for new business only (per the bank's terms on 2026-11-01; that sentence could not be found in them today, so check the bank's page)","Extra repayments while fixed capped at $10k per anniversary year","$600 establishment fee is waived on Your Way Plus (data shows $600)"],"additional_info":"Fixed rate for 4 years. Comparison rates quoted are based on $150,000 for a term of 25 years. Rates apply to secured loans only. 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…","source_url":"https://ob.tmbl.com.au/ambank/cds-au/v1/banking/products/4da0798e-1e71-11f1-901a-325096b39f47","source_snapshot":"/au/finance/home-loans/v1/source/australian-mutual-bank-ltd/4da0798e-1e71-11f1-901a-325096b39f47.json","bank_last_updated":"2026-11-11T01:40:49.000+11:00"},
    {"brand":"Australian Mutual Bank LTD","brand_label":"Australian Mutual Bank","brand_slug":"australian-mutual-bank-ltd","legal_entity_abn":"30087650459","product_id":"4da0798e-1e71-11f1-901a-325096b39f47","product_name":"Your Way Plus Fixed Home Loan","product_label":"Your Way Plus Fixed Home Loan","product_url":"https://australianmutual.bank/loans/home-loans/your-way-plus-owner-occupier-home-loan/","terms_url":"https://australianmutual.bank/loans/home-loans/your-way-plus-owner-occupier-home-loan/","record_stale":false,"record_correction":"no establishment fee on Your Way Plus: the bank's page says \"Establishment fee $0 (Usually $600)\" (checked 2026-11-13)","rate_kind":"fixed","lending_rate_type":"FIXED","fixed_months":48,"kind":"fixed_4","purpose":"owner_occupied","repayment":"principal_and_interest","rate":0.0689,"rate_pct":6.89,"comparison_rate":0.0697,"comparison_rate_pct":6.97,"lvr_min":60.1,"lvr_max":80.0,"lvr_source":"tier","loan_min":150000.0,"loan_max":null,"interest_in_advance":false,"offset":true,"redraw":true,"annual_fee":300.0,"upfront_fees":0,"exit_fees":250.0,"revert_rate":null,"revert_rate_basis":null,"comparison_check":{"ok":false,"ours_at_150k":null,"bank":6.97,"reason":"no variable rate reproduces the bank's figure"},"restrictions":["restricted_membership"],"eligibility":{"restricted":true,"who":"Australian education sector employees (current or retired) and their families","quote":"Membership is open to current or retired employees of the Australian education sector or family members of members (i.e. shareholders) of the Bank.","source_url":"https://ob.tmbl.com.au/ambank/cds-au/v1/banking/products/4da0798e-1e71-11f1-901a-325096b39f47"},"ranked":true,"conditions":["no establishment fee on Your Way Plus: the bank's page says \"Establishment fee $0 (Usually $600)\" (checked 2026-11-13)","restricted membership: Australian education sector employees (current or retired) and their families","Rates are for new business only (per the bank's terms on 2026-11-01; that sentence could not be found in them today, so check the bank's page)","Extra repayments while fixed capped at $10k per anniversary year","$600 establishment fee is waived on Your Way Plus (data shows $600)"],"additional_info":"Fixed rate for 4 years. Comparison rates quoted are based on $150,000 for a term of 25 years. Rates apply to secured loans only. 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…","source_url":"https://ob.tmbl.com.au/ambank/cds-au/v1/banking/products/4da0798e-1e71-11f1-901a-325096b39f47","source_snapshot":"/au/finance/home-loans/v1/source/australian-mutual-bank-ltd/4da0798e-1e71-11f1-901a-325096b39f47.json","bank_last_updated":"2026-11-11T01:40:49.000+11:00"},
    {"brand":"Australian Mutual Bank LTD","brand_label":"Australian Mutual Bank","brand_slug":"australian-mutual-bank-ltd","legal_entity_abn":"30087650459","product_id":"4da0798e-1e71-11f1-901a-325096b39f47","product_name":"Your Way Plus Fixed Home Loan","product_label":"Your Way Plus Fixed Home Loan","product_url":"https://australianmutual.bank/loans/home-loans/your-way-plus-owner-occupier-home-loan/","terms_url":"https://australianmutual.bank/loans/home-loans/your-way-plus-owner-occupier-home-loan/","record_stale":false,"record_correction":"no establishment fee on Your Way Plus: the bank's page says \"Establishment fee $0 (Usually $600)\" (checked 2026-11-13)","rate_kind":"fixed","lending_rate_type":"FIXED","fixed_months":48,"kind":"fixed_4","purpose":"owner_occupied","repayment":"principal_and_interest","rate":0.0719,"rate_pct":7.19,"comparison_rate":0.0742,"comparison_rate_pct":7.42,"lvr_min":80.1,"lvr_max":90.0,"lvr_source":"tier","loan_min":150000.0,"loan_max":null,"interest_in_advance":false,"offset":true,"redraw":true,"annual_fee":300.0,"upfront_fees":0,"exit_fees":250.0,"revert_rate":0.0709,"revert_rate_basis":"inferred","comparison_check":{"ok":true,"ours_at_150k":7.39,"bank":7.42},"restrictions":["restricted_membership"],"eligibility":{"restricted":true,"who":"Australian education sector employees (current or retired) and their families","quote":"Membership is open to current or retired employees of the Australian education sector or family members of members (i.e. shareholders) of the Bank.","source_url":"https://ob.tmbl.com.au/ambank/cds-au/v1/banking/products/4da0798e-1e71-11f1-901a-325096b39f47"},"ranked":true,"conditions":["no establishment fee on Your Way Plus: the bank's page says \"Establishment fee $0 (Usually $600)\" (checked 2026-11-13)","restricted membership: Australian education sector employees (current or retired) and their families","Rates are for new business only (per the bank's terms on 2026-11-01; that sentence could not be found in them today, so check the bank's page)","Extra repayments while fixed capped at $10k per anniversary year","$600 establishment fee is waived on Your Way Plus (data shows $600)"],"additional_info":"Fixed rate for 4 years. Comparison rates quoted are based on $150,000 for a term of 25 years. Rates apply to secured loans only. 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…","source_url":"https://ob.tmbl.com.au/ambank/cds-au/v1/banking/products/4da0798e-1e71-11f1-901a-325096b39f47","source_snapshot":"/au/finance/home-loans/v1/source/australian-mutual-bank-ltd/4da0798e-1e71-11f1-901a-325096b39f47.json","bank_last_updated":"2026-11-11T01:40:49.000+11:00"},
    {"brand":"Australian Mutual Bank LTD","brand_label":"Australian Mutual Bank","brand_slug":"australian-mutual-bank-ltd","legal_entity_abn":"30087650459","product_id":"4da0798e-1e71-11f1-901a-325096b39f47","product_name":"Your Way Plus Fixed Home Loan","product_label":"Your Way Plus Fixed Home Loan","product_url":"https://australianmutual.bank/loans/home-loans/your-way-plus-owner-occupier-home-loan/","terms_url":"https://australianmutual.bank/loans/home-loans/your-way-plus-owner-occupier-home-loan/","record_stale":false,"record_correction":"no establishment fee on Your Way Plus: the bank's page says \"Establishment fee $0 (Usually $600)\" (checked 2026-11-13)","rate_kind":"fixed","lending_rate_type":"FIXED","fixed_months":48,"kind":"fixed_4","purpose":"owner_occupied","repayment":"principal_and_interest","rate":0.0719,"rate_pct":7.19,"comparison_rate":0.0763,"comparison_rate_pct":7.63,"lvr_min":90.1,"lvr_max":98.0,"lvr_source":"tier","loan_min":150000.0,"loan_max":null,"interest_in_advance":false,"offset":true,"redraw":true,"annual_fee":300.0,"upfront_fees":0,"exit_fees":250.0,"revert_rate":0.0744,"revert_rate_basis":"inferred","comparison_check":{"ok":true,"ours_at_150k":7.6,"bank":7.63},"restrictions":["restricted_membership"],"eligibility":{"restricted":true,"who":"Australian education sector employees (current or retired) and their families","quote":"Membership is open to current or retired employees of the Australian education sector or family members of members (i.e. shareholders) of the Bank.","source_url":"https://ob.tmbl.com.au/ambank/cds-au/v1/banking/products/4da0798e-1e71-11f1-901a-325096b39f47"},"ranked":true,"conditions":["no establishment fee on Your Way Plus: the bank's page says \"Establishment fee $0 (Usually $600)\" (checked 2026-11-13)","restricted membership: Australian education sector employees (current or retired) and their families","Rates are for new business only (per the bank's terms on 2026-11-01; that sentence could not be found in them today, so check the bank's page)","Extra repayments while fixed capped at $10k per anniversary year","$600 establishment fee is waived on Your Way Plus (data shows $600)"],"additional_info":"Fixed rate for 4 years. Comparison rates quoted are based on $150,000 for a term of 25 years. Rates apply to secured loans only. 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…","source_url":"https://ob.tmbl.com.au/ambank/cds-au/v1/banking/products/4da0798e-1e71-11f1-901a-325096b39f47","source_snapshot":"/au/finance/home-loans/v1/source/australian-mutual-bank-ltd/4da0798e-1e71-11f1-901a-325096b39f47.json","bank_last_updated":"2026-11-11T01:40:49.000+11:00"},
    {"brand":"Australian Mutual Bank LTD","brand_label":"Australian Mutual Bank","brand_slug":"australian-mutual-bank-ltd","legal_entity_abn":"30087650459","product_id":"4da0798e-1e71-11f1-901a-325096b39f47","product_name":"Your Way Plus Fixed Home Loan","product_label":"Your Way Plus Fixed Home Loan","product_url":"https://australianmutual.bank/loans/home-loans/your-way-plus-owner-occupier-home-loan/","terms_url":"https://australianmutual.bank/loans/home-loans/your-way-plus-owner-occupier-home-loan/","record_stale":false,"record_correction":"no establishment fee on Your Way Plus: the bank's page says \"Establishment fee $0 (Usually $600)\" (checked 2026-11-13)","rate_kind":"fixed","lending_rate_type":"FIXED","fixed_months":60,"kind":"fixed_5","purpose":"owner_occupied","repayment":"principal_and_interest","rate":0.0704,"rate_pct":7.04,"comparison_rate":0.0701,"comparison_rate_pct":7.01,"lvr_min":0.1,"lvr_max":60.0,"lvr_source":"tier","loan_min":150000.0,"loan_max":null,"interest_in_advance":false,"offset":true,"redraw":true,"annual_fee":300.0,"upfront_fees":0,"exit_fees":250.0,"revert_rate":0.0644,"revert_rate_basis":"inferred","comparison_check":{"ok":true,"ours_at_150k":6.98,"bank":7.01},"restrictions":["restricted_membership"],"eligibility":{"restricted":true,"who":"Australian education sector employees (current or retired) and their families","quote":"Membership is open to current or retired employees of the Australian education sector or family members of members (i.e. shareholders) of the Bank.","source_url":"https://ob.tmbl.com.au/ambank/cds-au/v1/banking/products/4da0798e-1e71-11f1-901a-325096b39f47"},"ranked":true,"conditions":["no establishment fee on Your Way Plus: the bank's page says \"Establishment fee $0 (Usually $600)\" (checked 2026-11-13)","restricted membership: Australian education sector employees (current or retired) and their families","Rates are for new business only (per the bank's terms on 2026-11-01; that sentence could not be found in them today, so check the bank's page)","Extra repayments while fixed capped at $10k per anniversary year","$600 establishment fee is waived on Your Way Plus (data shows $600)"],"additional_info":"Fixed rate for 5 years. Comparison rates quoted are based on $150,000 for a term of 25 years. Rates apply to secured loans only. 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…","source_url":"https://ob.tmbl.com.au/ambank/cds-au/v1/banking/products/4da0798e-1e71-11f1-901a-325096b39f47","source_snapshot":"/au/finance/home-loans/v1/source/australian-mutual-bank-ltd/4da0798e-1e71-11f1-901a-325096b39f47.json","bank_last_updated":"2026-11-11T01:40:49.000+11:00"},
    {"brand":"Australian Mutual Bank LTD","brand_label":"Australian Mutual Bank","brand_slug":"australian-mutual-bank-ltd","legal_entity_abn":"30087650459","product_id":"4da0798e-1e71-11f1-901a-325096b39f47","product_name":"Your Way Plus Fixed Home Loan","product_label":"Your Way Plus Fixed Home Loan","product_url":"https://australianmutual.bank/loans/home-loans/your-way-plus-owner-occupier-home-loan/","terms_url":"https://australianmutual.bank/loans/home-loans/your-way-plus-owner-occupier-home-loan/","record_stale":false,"record_correction":"no establishment fee on Your Way Plus: the bank's page says \"Establishment fee $0 (Usually $600)\" (checked 2026-11-13)","rate_kind":"fixed","lending_rate_type":"FIXED","fixed_months":60,"kind":"fixed_5","purpose":"owner_occupied","repayment":"principal_and_interest","rate":0.0704,"rate_pct":7.04,"comparison_rate":0.0706,"comparison_rate_pct":7.06,"lvr_min":60.1,"lvr_max":80.0,"lvr_source":"tier","loan_min":150000.0,"loan_max":null,"interest_in_advance":false,"offset":true,"redraw":true,"annual_fee":300.0,"upfront_fees":0,"exit_fees":250.0,"revert_rate":null,"revert_rate_basis":null,"comparison_check":{"ok":false,"ours_at_150k":null,"bank":7.06,"reason":"no variable rate reproduces the bank's figure"},"restrictions":["restricted_membership"],"eligibility":{"restricted":true,"who":"Australian education sector employees (current or retired) and their families","quote":"Membership is open to current or retired employees of the Australian education sector or family members of members (i.e. shareholders) of the Bank.","source_url":"https://ob.tmbl.com.au/ambank/cds-au/v1/banking/products/4da0798e-1e71-11f1-901a-325096b39f47"},"ranked":true,"conditions":["no establishment fee on Your Way Plus: the bank's page says \"Establishment fee $0 (Usually $600)\" (checked 2026-11-13)","restricted membership: Australian education sector employees (current or retired) and their families","Rates are for new business only (per the bank's terms on 2026-11-01; that sentence could not be found in them today, so check the bank's page)","Extra repayments while fixed capped at $10k per anniversary year","$600 establishment fee is waived on Your Way Plus (data shows $600)"],"additional_info":"Fixed rate for 5 years. Comparison rates quoted are based on $150,000 for a term of 25 years. Rates apply to secured loans only. 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…","source_url":"https://ob.tmbl.com.au/ambank/cds-au/v1/banking/products/4da0798e-1e71-11f1-901a-325096b39f47","source_snapshot":"/au/finance/home-loans/v1/source/australian-mutual-bank-ltd/4da0798e-1e71-11f1-901a-325096b39f47.json","bank_last_updated":"2026-11-11T01:40:49.000+11:00"},
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    {"brand":"Australian Mutual Bank LTD","brand_label":"Australian Mutual Bank","brand_slug":"australian-mutual-bank-ltd","legal_entity_abn":"30087650459","product_id":"4da0798e-1e71-11f1-901a-325096b39f47","product_name":"Your Way Plus Fixed Home Loan","product_label":"Your Way Plus Fixed Home Loan","product_url":"https://australianmutual.bank/loans/home-loans/your-way-plus-owner-occupier-home-loan/","terms_url":"https://australianmutual.bank/loans/home-loans/your-way-plus-owner-occupier-home-loan/","record_stale":false,"record_correction":"no establishment fee on Your Way Plus: the bank's page says \"Establishment fee $0 (Usually $600)\" (checked 2026-11-13)","rate_kind":"fixed","lending_rate_type":"FIXED","fixed_months":60,"kind":"fixed_5","purpose":"owner_occupied","repayment":"principal_and_interest","rate":0.0734,"rate_pct":7.34,"comparison_rate":0.0768,"comparison_rate_pct":7.68,"lvr_min":90.1,"lvr_max":98.0,"lvr_source":"tier","loan_min":150000.0,"loan_max":null,"interest_in_advance":false,"offset":true,"redraw":true,"annual_fee":300.0,"upfront_fees":0,"exit_fees":250.0,"revert_rate":0.0744,"revert_rate_basis":"inferred","comparison_check":{"ok":true,"ours_at_150k":7.65,"bank":7.68},"restrictions":["restricted_membership"],"eligibility":{"restricted":true,"who":"Australian education sector employees (current or retired) and their families","quote":"Membership is open to current or retired employees of the Australian education sector or family members of members (i.e. shareholders) of the Bank.","source_url":"https://ob.tmbl.com.au/ambank/cds-au/v1/banking/products/4da0798e-1e71-11f1-901a-325096b39f47"},"ranked":true,"conditions":["no establishment fee on Your Way Plus: the bank's page says \"Establishment fee $0 (Usually $600)\" (checked 2026-11-13)","restricted membership: Australian education sector employees (current or retired) and their families","Rates are for new business only (per the bank's terms on 2026-11-01; that sentence could not be found in them today, so check the bank's page)","Extra repayments while fixed capped at $10k per anniversary year","$600 establishment fee is waived on Your Way Plus (data shows $600)"],"additional_info":"Fixed rate for 5 years. Comparison rates quoted are based on $150,000 for a term of 25 years. Rates apply to secured loans only. 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…","source_url":"https://ob.tmbl.com.au/ambank/cds-au/v1/banking/products/4da0798e-1e71-11f1-901a-325096b39f47","source_snapshot":"/au/finance/home-loans/v1/source/australian-mutual-bank-ltd/4da0798e-1e71-11f1-901a-325096b39f47.json","bank_last_updated":"2026-11-11T01:40:49.000+11:00"},
    {"brand":"Australian Mutual Bank LTD","brand_label":"Australian Mutual Bank","brand_slug":"australian-mutual-bank-ltd","legal_entity_abn":"30087650459","product_id":"6b10b718-1e71-11f1-bca0-325096b39f47","product_name":"Your Way Plus Fixed Home Loan Investor","product_label":"Your Way Plus Fixed Home Loan Investor","product_url":"https://australianmutual.bank/loans/home-loans/your-way-plus-investor-home-loan","terms_url":"https://australianmutual.bank/loans/home-loans/your-way-plus-investor-home-loan","record_stale":false,"record_correction":"no establishment fee on Your Way Plus: the bank's page says \"Establishment fee $0 (Usually $600)\" (checked 2026-11-13)","rate_kind":"fixed","lending_rate_type":"FIXED","fixed_months":12,"kind":"fixed_1","purpose":"investment","repayment":"principal_and_interest","rate":0.0654,"rate_pct":6.54,"comparison_rate":0.0692,"comparison_rate_pct":6.92,"lvr_min":0.1,"lvr_max":60.0,"lvr_source":"tier","loan_min":150000.0,"loan_max":null,"interest_in_advance":false,"offset":true,"redraw":true,"annual_fee":300.0,"upfront_fees":0,"exit_fees":250.0,"revert_rate":0.0664,"revert_rate_basis":"inferred","comparison_check":{"ok":true,"ours_at_150k":6.9,"bank":6.92},"restrictions":["restricted_membership"],"eligibility":{"restricted":true,"who":"Australian education sector employees (current or retired) and their families","quote":"Membership is open to current or retired employees of the Australian education sector or family members of members (i.e. shareholders) of the Bank.","source_url":"https://ob.tmbl.com.au/ambank/cds-au/v1/banking/products/6b10b718-1e71-11f1-bca0-325096b39f47"},"ranked":true,"conditions":["no establishment fee on Your Way Plus: the bank's page says \"Establishment fee $0 (Usually $600)\" (checked 2026-11-13)","restricted membership: Australian education sector employees (current or retired) and their families","Rates are for new business only (per the bank's terms on 2026-11-01; that sentence could not be found in them today, so check the bank's page)","Extra repayments while fixed capped at $10k per anniversary year","$600 establishment fee is waived on Your Way Plus (data shows $600)"],"additional_info":"Fixed rate for 1 year. Comparison rates quoted are based on $150,000 for a term of 25 years. Rates apply to secured loans only. 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 d…","source_url":"https://ob.tmbl.com.au/ambank/cds-au/v1/banking/products/6b10b718-1e71-11f1-bca0-325096b39f47","source_snapshot":"/au/finance/home-loans/v1/source/australian-mutual-bank-ltd/6b10b718-1e71-11f1-bca0-325096b39f47.json","bank_last_updated":"2026-11-11T01:20:23.000+11:00"},
    {"brand":"Australian Mutual Bank LTD","brand_label":"Australian Mutual Bank","brand_slug":"australian-mutual-bank-ltd","legal_entity_abn":"30087650459","product_id":"6b10b718-1e71-11f1-bca0-325096b39f47","product_name":"Your Way Plus Fixed Home Loan Investor","product_label":"Your Way Plus Fixed Home Loan Investor","product_url":"https://australianmutual.bank/loans/home-loans/your-way-plus-investor-home-loan","terms_url":"https://australianmutual.bank/loans/home-loans/your-way-plus-investor-home-loan","record_stale":false,"record_correction":"no establishment fee on Your Way Plus: the bank's page says \"Establishment fee $0 (Usually $600)\" (checked 2026-11-13)","rate_kind":"fixed","lending_rate_type":"FIXED","fixed_months":12,"kind":"fixed_1","purpose":"investment","repayment":"principal_and_interest","rate":0.0654,"rate_pct":6.54,"comparison_rate":0.0697,"comparison_rate_pct":6.97,"lvr_min":60.1,"lvr_max":80.0,"lvr_source":"tier","loan_min":150000.0,"loan_max":null,"interest_in_advance":false,"offset":true,"redraw":true,"annual_fee":300.0,"upfront_fees":0,"exit_fees":250.0,"revert_rate":0.0674,"revert_rate_basis":"inferred","comparison_check":{"ok":true,"ours_at_150k":6.98,"bank":6.97},"restrictions":["restricted_membership"],"eligibility":{"restricted":true,"who":"Australian education sector employees (current or retired) and their families","quote":"Membership is open to current or retired employees of the Australian education sector or family members of members (i.e. shareholders) of the Bank.","source_url":"https://ob.tmbl.com.au/ambank/cds-au/v1/banking/products/6b10b718-1e71-11f1-bca0-325096b39f47"},"ranked":true,"conditions":["no establishment fee on Your Way Plus: the bank's page says \"Establishment fee $0 (Usually $600)\" (checked 2026-11-13)","restricted membership: Australian education sector employees (current or retired) and their families","Rates are for new business only (per the bank's terms on 2026-11-01; that sentence could not be found in them today, so check the bank's page)","Extra repayments while fixed capped at $10k per anniversary year","$600 establishment fee is waived on Your Way Plus (data shows $600)"],"additional_info":"Fixed rate for 1 year. Comparison rates quoted are based on $150,000 for a term of 25 years. Rates apply to secured loans only. 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 d…","source_url":"https://ob.tmbl.com.au/ambank/cds-au/v1/banking/products/6b10b718-1e71-11f1-bca0-325096b39f47","source_snapshot":"/au/finance/home-loans/v1/source/australian-mutual-bank-ltd/6b10b718-1e71-11f1-bca0-325096b39f47.json","bank_last_updated":"2026-11-11T01:20:23.000+11:00"},
    {"brand":"Australian Mutual Bank LTD","brand_label":"Australian Mutual Bank","brand_slug":"australian-mutual-bank-ltd","legal_entity_abn":"30087650459","product_id":"6b10b718-1e71-11f1-bca0-325096b39f47","product_name":"Your Way Plus Fixed Home Loan Investor","product_label":"Your Way Plus Fixed Home Loan Investor","product_url":"https://australianmutual.bank/loans/home-loans/your-way-plus-investor-home-loan","terms_url":"https://australianmutual.bank/loans/home-loans/your-way-plus-investor-home-loan","record_stale":false,"record_correction":"no establishment fee on Your Way Plus: the bank's page says \"Establishment fee $0 (Usually $600)\" (checked 2026-11-13)","rate_kind":"fixed","lending_rate_type":"FIXED","fixed_months":12,"kind":"fixed_1","purpose":"investment","repayment":"principal_and_interest","rate":0.0664,"rate_pct":6.64,"comparison_rate":0.0747,"comparison_rate_pct":7.47,"lvr_min":80.1,"lvr_max":90.0,"lvr_source":"tier","loan_min":150000.0,"loan_max":null,"interest_in_advance":false,"offset":true,"redraw":true,"annual_fee":300.0,"upfront_fees":0,"exit_fees":250.0,"revert_rate":0.0724,"revert_rate_basis":"inferred","comparison_check":{"ok":true,"ours_at_150k":7.44,"bank":7.47},"restrictions":["restricted_membership"],"eligibility":{"restricted":true,"who":"Australian education sector employees (current or retired) and their families","quote":"Membership is open to current or retired employees of the Australian education sector or family members of members (i.e. shareholders) of the Bank.","source_url":"https://ob.tmbl.com.au/ambank/cds-au/v1/banking/products/6b10b718-1e71-11f1-bca0-325096b39f47"},"ranked":true,"conditions":["no establishment fee on Your Way Plus: the bank's page says \"Establishment fee $0 (Usually $600)\" (checked 2026-11-13)","restricted membership: Australian education sector employees (current or retired) and their families","Rates are for new business only (per the bank's terms on 2026-11-01; that sentence could not be found in them today, so check the bank's page)","Extra repayments while fixed capped at $10k per anniversary year","$600 establishment fee is waived on Your Way Plus (data shows $600)"],"additional_info":"Fixed rate for 1 year. Comparison rates quoted are based on $150,000 for a term of 25 years. Rates apply to secured loans only. 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 d…","source_url":"https://ob.tmbl.com.au/ambank/cds-au/v1/banking/products/6b10b718-1e71-11f1-bca0-325096b39f47","source_snapshot":"/au/finance/home-loans/v1/source/australian-mutual-bank-ltd/6b10b718-1e71-11f1-bca0-325096b39f47.json","bank_last_updated":"2026-11-11T01:20:23.000+11:00"},
    {"brand":"Australian Mutual Bank LTD","brand_label":"Australian Mutual Bank","brand_slug":"australian-mutual-bank-ltd","legal_entity_abn":"30087650459","product_id":"6b10b718-1e71-11f1-bca0-325096b39f47","product_name":"Your Way Plus Fixed Home Loan Investor","product_label":"Your Way Plus Fixed Home Loan Investor","product_url":"https://australianmutual.bank/loans/home-loans/your-way-plus-investor-home-loan","terms_url":"https://australianmutual.bank/loans/home-loans/your-way-plus-investor-home-loan","record_stale":false,"record_correction":"no establishment fee on Your Way Plus: the bank's page says \"Establishment fee $0 (Usually $600)\" (checked 2026-11-13)","rate_kind":"fixed","lending_rate_type":"FIXED","fixed_months":12,"kind":"fixed_1","purpose":"investment","repayment":"principal_and_interest","rate":0.0689,"rate_pct":6.89,"comparison_rate":0.078,"comparison_rate_pct":7.8,"lvr_min":90.1,"lvr_max":98.0,"lvr_source":"tier","loan_min":150000.0,"loan_max":null,"interest_in_advance":false,"offset":true,"redraw":true,"annual_fee":300.0,"upfront_fees":0,"exit_fees":250.0,"revert_rate":0.0759,"revert_rate_basis":"inferred","comparison_check":{"ok":true,"ours_at_150k":7.77,"bank":7.8},"restrictions":["restricted_membership"],"eligibility":{"restricted":true,"who":"Australian education sector employees (current or retired) and their families","quote":"Membership is open to current or retired employees of the Australian education sector or family members of members (i.e. shareholders) of the Bank.","source_url":"https://ob.tmbl.com.au/ambank/cds-au/v1/banking/products/6b10b718-1e71-11f1-bca0-325096b39f47"},"ranked":true,"conditions":["no establishment fee on Your Way Plus: the bank's page says \"Establishment fee $0 (Usually $600)\" (checked 2026-11-13)","restricted membership: Australian education sector employees (current or retired) and their families","Rates are for new business only (per the bank's terms on 2026-11-01; that sentence could not be found in them today, so check the bank's page)","Extra repayments while fixed capped at $10k per anniversary year","$600 establishment fee is waived on Your Way Plus (data shows $600)"],"additional_info":"Fixed rate for 1 year. Comparison rates quoted are based on $150,000 for a term of 25 years. Rates apply to secured loans only. 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 d…","source_url":"https://ob.tmbl.com.au/ambank/cds-au/v1/banking/products/6b10b718-1e71-11f1-bca0-325096b39f47","source_snapshot":"/au/finance/home-loans/v1/source/australian-mutual-bank-ltd/6b10b718-1e71-11f1-bca0-325096b39f47.json","bank_last_updated":"2026-11-11T01:20:23.000+11:00"},
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    {"brand":"Australian Mutual Bank LTD","brand_label":"Australian Mutual Bank","brand_slug":"australian-mutual-bank-ltd","legal_entity_abn":"30087650459","product_id":"6b10b718-1e71-11f1-bca0-325096b39f47","product_name":"Your Way Plus Fixed Home Loan Investor","product_label":"Your Way Plus Fixed Home Loan Investor","product_url":"https://australianmutual.bank/loans/home-loans/your-way-plus-investor-home-loan","terms_url":"https://australianmutual.bank/loans/home-loans/your-way-plus-investor-home-loan","record_stale":false,"record_correction":"no establishment fee on Your Way Plus: the bank's page says \"Establishment fee $0 (Usually $600)\" (checked 2026-11-13)","rate_kind":"fixed","lending_rate_type":"FIXED","fixed_months":24,"kind":"fixed_2","purpose":"investment","repayment":"principal_and_interest","rate":0.0749,"rate_pct":7.49,"comparison_rate":0.0729,"comparison_rate_pct":7.29,"lvr_min":80.1,"lvr_max":90.0,"lvr_source":"tier","loan_min":150000.0,"loan_max":null,"interest_in_advance":false,"offset":true,"redraw":true,"annual_fee":300.0,"upfront_fees":0,"exit_fees":250.0,"revert_rate":null,"revert_rate_basis":null,"comparison_check":{"ok":false,"ours_at_150k":null,"bank":7.29,"reason":"no variable rate reproduces the bank's figure"},"restrictions":["restricted_membership"],"eligibility":{"restricted":true,"who":"Australian education sector employees (current or retired) and their families","quote":"Membership is open to current or retired employees of the Australian education sector or family members of members (i.e. shareholders) of the Bank.","source_url":"https://ob.tmbl.com.au/ambank/cds-au/v1/banking/products/6b10b718-1e71-11f1-bca0-325096b39f47"},"ranked":true,"conditions":["no establishment fee on Your Way Plus: the bank's page says \"Establishment fee $0 (Usually $600)\" (checked 2026-11-13)","restricted membership: Australian education sector employees (current or retired) and their families","Rates are for new business only (per the bank's terms on 2026-11-01; that sentence could not be found in them today, so check the bank's page)","Extra repayments while fixed capped at $10k per anniversary year","$600 establishment fee is waived on Your Way Plus (data shows $600)"],"additional_info":"Fixed rate for 2 years. Comparison rates quoted are based on $150,000 for a term of 25 years. Rates apply to secured loans only. 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…","source_url":"https://ob.tmbl.com.au/ambank/cds-au/v1/banking/products/6b10b718-1e71-11f1-bca0-325096b39f47","source_snapshot":"/au/finance/home-loans/v1/source/australian-mutual-bank-ltd/6b10b718-1e71-11f1-bca0-325096b39f47.json","bank_last_updated":"2026-11-11T01:20:23.000+11:00"},
    {"brand":"Australian Mutual Bank LTD","brand_label":"Australian Mutual Bank","brand_slug":"australian-mutual-bank-ltd","legal_entity_abn":"30087650459","product_id":"6b10b718-1e71-11f1-bca0-325096b39f47","product_name":"Your Way Plus Fixed Home Loan Investor","product_label":"Your Way Plus Fixed Home Loan Investor","product_url":"https://australianmutual.bank/loans/home-loans/your-way-plus-investor-home-loan","terms_url":"https://australianmutual.bank/loans/home-loans/your-way-plus-investor-home-loan","record_stale":false,"record_correction":"no establishment fee on Your Way Plus: the bank's page says \"Establishment fee $0 (Usually $600)\" (checked 2026-11-13)","rate_kind":"fixed","lending_rate_type":"FIXED","fixed_months":24,"kind":"fixed_2","purpose":"investment","repayment":"principal_and_interest","rate":0.0719,"rate_pct":7.19,"comparison_rate":0.0779,"comparison_rate_pct":7.79,"lvr_min":90.1,"lvr_max":98.0,"lvr_source":"tier","loan_min":150000.0,"loan_max":null,"interest_in_advance":false,"offset":true,"redraw":true,"annual_fee":300.0,"upfront_fees":0,"exit_fees":250.0,"revert_rate":0.0759,"revert_rate_basis":"inferred","comparison_check":{"ok":true,"ours_at_150k":7.76,"bank":7.79},"restrictions":["restricted_membership"],"eligibility":{"restricted":true,"who":"Australian education sector employees (current or retired) and their families","quote":"Membership is open to current or retired employees of the Australian education sector or family members of members (i.e. shareholders) of the Bank.","source_url":"https://ob.tmbl.com.au/ambank/cds-au/v1/banking/products/6b10b718-1e71-11f1-bca0-325096b39f47"},"ranked":true,"conditions":["no establishment fee on Your Way Plus: the bank's page says \"Establishment fee $0 (Usually $600)\" (checked 2026-11-13)","restricted membership: Australian education sector employees (current or retired) and their families","Rates are for new business only (per the bank's terms on 2026-11-01; that sentence could not be found in them today, so check the bank's page)","Extra repayments while fixed capped at $10k per anniversary year","$600 establishment fee is waived on Your Way Plus (data shows $600)"],"additional_info":"Fixed rate for 2 years. Comparison rates quoted are based on $150,000 for a term of 25 years. Rates apply to secured loans only. 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…","source_url":"https://ob.tmbl.com.au/ambank/cds-au/v1/banking/products/6b10b718-1e71-11f1-bca0-325096b39f47","source_snapshot":"/au/finance/home-loans/v1/source/australian-mutual-bank-ltd/6b10b718-1e71-11f1-bca0-325096b39f47.json","bank_last_updated":"2026-11-11T01:20:23.000+11:00"},
    {"brand":"Australian Mutual Bank LTD","brand_label":"Australian Mutual Bank","brand_slug":"australian-mutual-bank-ltd","legal_entity_abn":"30087650459","product_id":"6b10b718-1e71-11f1-bca0-325096b39f47","product_name":"Your Way Plus Fixed Home Loan Investor","product_label":"Your Way Plus Fixed Home Loan Investor","product_url":"https://australianmutual.bank/loans/home-loans/your-way-plus-investor-home-loan","terms_url":"https://australianmutual.bank/loans/home-loans/your-way-plus-investor-home-loan","record_stale":false,"record_correction":"no establishment fee on Your Way Plus: the bank's page says \"Establishment fee $0 (Usually $600)\" (checked 2026-11-13)","rate_kind":"fixed","lending_rate_type":"FIXED","fixed_months":36,"kind":"fixed_3","purpose":"investment","repayment":"principal_and_interest","rate":0.0679,"rate_pct":6.79,"comparison_rate":0.0698,"comparison_rate_pct":6.98,"lvr_min":0.1,"lvr_max":60.0,"lvr_source":"tier","loan_min":150000.0,"loan_max":null,"interest_in_advance":false,"offset":true,"redraw":true,"annual_fee":300.0,"upfront_fees":0,"exit_fees":250.0,"revert_rate":null,"revert_rate_basis":null,"comparison_check":{"ok":false,"ours_at_150k":null,"bank":6.98,"reason":"revert rate ambiguous"},"restrictions":["restricted_membership"],"eligibility":{"restricted":true,"who":"Australian education sector employees (current or retired) and their families","quote":"Membership is open to current or retired employees of the Australian education sector or family members of members (i.e. shareholders) of the Bank.","source_url":"https://ob.tmbl.com.au/ambank/cds-au/v1/banking/products/6b10b718-1e71-11f1-bca0-325096b39f47"},"ranked":true,"conditions":["no establishment fee on Your Way Plus: the bank's page says \"Establishment fee $0 (Usually $600)\" (checked 2026-11-13)","restricted membership: Australian education sector employees (current or retired) and their families","Rates are for new business only (per the bank's terms on 2026-11-01; that sentence could not be found in them today, so check the bank's page)","Extra repayments while fixed capped at $10k per anniversary year","$600 establishment fee is waived on Your Way Plus (data shows $600)"],"additional_info":"Fixed rate for 3 years. Comparison rates quoted are based on $150,000 for a term of 25 years. Rates apply to secured loans only. 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…","source_url":"https://ob.tmbl.com.au/ambank/cds-au/v1/banking/products/6b10b718-1e71-11f1-bca0-325096b39f47","source_snapshot":"/au/finance/home-loans/v1/source/australian-mutual-bank-ltd/6b10b718-1e71-11f1-bca0-325096b39f47.json","bank_last_updated":"2026-11-11T01:20:23.000+11:00"},
    {"brand":"Australian Mutual Bank LTD","brand_label":"Australian Mutual Bank","brand_slug":"australian-mutual-bank-ltd","legal_entity_abn":"30087650459","product_id":"6b10b718-1e71-11f1-bca0-325096b39f47","product_name":"Your Way Plus Fixed Home Loan Investor","product_label":"Your Way Plus Fixed Home Loan Investor","product_url":"https://australianmutual.bank/loans/home-loans/your-way-plus-investor-home-loan","terms_url":"https://australianmutual.bank/loans/home-loans/your-way-plus-investor-home-loan","record_stale":false,"record_correction":"no establishment fee on Your Way Plus: the bank's page says \"Establishment fee $0 (Usually $600)\" (checked 2026-11-13)","rate_kind":"fixed","lending_rate_type":"FIXED","fixed_months":36,"kind":"fixed_3","purpose":"investment","repayment":"principal_and_interest","rate":0.0679,"rate_pct":6.79,"comparison_rate":0.0701,"comparison_rate_pct":7.01,"lvr_min":60.1,"lvr_max":80.0,"lvr_source":"tier","loan_min":150000.0,"loan_max":null,"interest_in_advance":false,"offset":true,"redraw":true,"annual_fee":300.0,"upfront_fees":0,"exit_fees":250.0,"revert_rate":0.0674,"revert_rate_basis":"inferred","comparison_check":{"ok":true,"ours_at_150k":7.02,"bank":7.01},"restrictions":["restricted_membership"],"eligibility":{"restricted":true,"who":"Australian education sector employees (current or retired) and their families","quote":"Membership is open to current or retired employees of the Australian education sector or family members of members (i.e. shareholders) of the Bank.","source_url":"https://ob.tmbl.com.au/ambank/cds-au/v1/banking/products/6b10b718-1e71-11f1-bca0-325096b39f47"},"ranked":true,"conditions":["no establishment fee on Your Way Plus: the bank's page says \"Establishment fee $0 (Usually $600)\" (checked 2026-11-13)","restricted membership: Australian education sector employees (current or retired) and their families","Rates are for new business only (per the bank's terms on 2026-11-01; that sentence could not be found in them today, so check the bank's page)","Extra repayments while fixed capped at $10k per anniversary year","$600 establishment fee is waived on Your Way Plus (data shows $600)"],"additional_info":"Fixed rate for 3 years. Comparison rates quoted are based on $150,000 for a term of 25 years. Rates apply to secured loans only. 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…","source_url":"https://ob.tmbl.com.au/ambank/cds-au/v1/banking/products/6b10b718-1e71-11f1-bca0-325096b39f47","source_snapshot":"/au/finance/home-loans/v1/source/australian-mutual-bank-ltd/6b10b718-1e71-11f1-bca0-325096b39f47.json","bank_last_updated":"2026-11-11T01:20:23.000+11:00"},
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    {"brand":"Australian Mutual Bank LTD","brand_label":"Australian Mutual Bank","brand_slug":"australian-mutual-bank-ltd","legal_entity_abn":"30087650459","product_id":"6b10b718-1e71-11f1-bca0-325096b39f47","product_name":"Your Way Plus Fixed Home Loan Investor","product_label":"Your Way Plus Fixed Home Loan Investor","product_url":"https://australianmutual.bank/loans/home-loans/your-way-plus-investor-home-loan","terms_url":"https://australianmutual.bank/loans/home-loans/your-way-plus-investor-home-loan","record_stale":false,"record_correction":"no establishment fee on Your Way Plus: the bank's page says \"Establishment fee $0 (Usually $600)\" (checked 2026-11-13)","rate_kind":"fixed","lending_rate_type":"FIXED","fixed_months":48,"kind":"fixed_4","purpose":"investment","repayment":"principal_and_interest","rate":0.0729,"rate_pct":7.29,"comparison_rate":0.0755,"comparison_rate_pct":7.55,"lvr_min":80.1,"lvr_max":90.0,"lvr_source":"tier","loan_min":150000.0,"loan_max":null,"interest_in_advance":false,"offset":true,"redraw":true,"annual_fee":300.0,"upfront_fees":0,"exit_fees":250.0,"revert_rate":0.0724,"revert_rate_basis":"inferred","comparison_check":{"ok":true,"ours_at_150k":7.52,"bank":7.55},"restrictions":["restricted_membership"],"eligibility":{"restricted":true,"who":"Australian education sector employees (current or retired) and their families","quote":"Membership is open to current or retired employees of the Australian education sector or family members of members (i.e. shareholders) of the Bank.","source_url":"https://ob.tmbl.com.au/ambank/cds-au/v1/banking/products/6b10b718-1e71-11f1-bca0-325096b39f47"},"ranked":true,"conditions":["no establishment fee on Your Way Plus: the bank's page says \"Establishment fee $0 (Usually $600)\" (checked 2026-11-13)","restricted membership: Australian education sector employees (current or retired) and their families","Rates are for new business only (per the bank's terms on 2026-11-01; that sentence could not be found in them today, so check the bank's page)","Extra repayments while fixed capped at $10k per anniversary year","$600 establishment fee is waived on Your Way Plus (data shows $600)"],"additional_info":"Fixed rate for 4 years. Comparison rates quoted are based on $150,000 for a term of 25 years. Rates apply to secured loans only. 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…","source_url":"https://ob.tmbl.com.au/ambank/cds-au/v1/banking/products/6b10b718-1e71-11f1-bca0-325096b39f47","source_snapshot":"/au/finance/home-loans/v1/source/australian-mutual-bank-ltd/6b10b718-1e71-11f1-bca0-325096b39f47.json","bank_last_updated":"2026-11-11T01:20:23.000+11:00"},
    {"brand":"Australian Mutual Bank LTD","brand_label":"Australian Mutual Bank","brand_slug":"australian-mutual-bank-ltd","legal_entity_abn":"30087650459","product_id":"6b10b718-1e71-11f1-bca0-325096b39f47","product_name":"Your Way Plus Fixed Home Loan Investor","product_label":"Your Way Plus Fixed Home Loan Investor","product_url":"https://australianmutual.bank/loans/home-loans/your-way-plus-investor-home-loan","terms_url":"https://australianmutual.bank/loans/home-loans/your-way-plus-investor-home-loan","record_stale":false,"record_correction":"no establishment fee on Your Way Plus: the bank's page says \"Establishment fee $0 (Usually $600)\" (checked 2026-11-13)","rate_kind":"fixed","lending_rate_type":"FIXED","fixed_months":48,"kind":"fixed_4","purpose":"investment","repayment":"principal_and_interest","rate":0.0734,"rate_pct":7.34,"comparison_rate":0.0778,"comparison_rate_pct":7.78,"lvr_min":90.1,"lvr_max":98.0,"lvr_source":"tier","loan_min":150000.0,"loan_max":null,"interest_in_advance":false,"offset":true,"redraw":true,"annual_fee":300.0,"upfront_fees":0,"exit_fees":250.0,"revert_rate":0.0759,"revert_rate_basis":"inferred","comparison_check":{"ok":true,"ours_at_150k":7.75,"bank":7.78},"restrictions":["restricted_membership"],"eligibility":{"restricted":true,"who":"Australian education sector employees (current or retired) and their families","quote":"Membership is open to current or retired employees of the Australian education sector or family members of members (i.e. shareholders) of the Bank.","source_url":"https://ob.tmbl.com.au/ambank/cds-au/v1/banking/products/6b10b718-1e71-11f1-bca0-325096b39f47"},"ranked":true,"conditions":["no establishment fee on Your Way Plus: the bank's page says \"Establishment fee $0 (Usually $600)\" (checked 2026-11-13)","restricted membership: Australian education sector employees (current or retired) and their families","Rates are for new business only (per the bank's terms on 2026-11-01; that sentence could not be found in them today, so check the bank's page)","Extra repayments while fixed capped at $10k per anniversary year","$600 establishment fee is waived on Your Way Plus (data shows $600)"],"additional_info":"Fixed rate for 4 years. Comparison rates quoted are based on $150,000 for a term of 25 years. Rates apply to secured loans only. 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…","source_url":"https://ob.tmbl.com.au/ambank/cds-au/v1/banking/products/6b10b718-1e71-11f1-bca0-325096b39f47","source_snapshot":"/au/finance/home-loans/v1/source/australian-mutual-bank-ltd/6b10b718-1e71-11f1-bca0-325096b39f47.json","bank_last_updated":"2026-11-11T01:20:23.000+11:00"},
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    {"brand":"Australian Mutual Bank LTD","brand_label":"Australian Mutual Bank","brand_slug":"australian-mutual-bank-ltd","legal_entity_abn":"30087650459","product_id":"5dad5f2c-1e71-11f1-b485-325096b39f47","product_name":"Your Way Plus Fixed Interest Only Home Loan","product_label":"Your Way Plus Fixed Interest Only Home Loan","product_url":"https://australianmutual.bank/loans/home-loans/your-way-plus-owner-occupier-home-loan/","terms_url":"https://australianmutual.bank/loans/home-loans/your-way-plus-owner-occupier-home-loan/","record_stale":false,"record_correction":"no establishment fee on Your Way Plus: the bank's page says \"Establishment fee $0 (Usually $600)\" (checked 2026-11-13)","rate_kind":"fixed","lending_rate_type":"FIXED","fixed_months":12,"kind":"fixed_1","purpose":"owner_occupied","repayment":"interest_only","rate":0.0684,"rate_pct":6.84,"comparison_rate":0.0735,"comparison_rate_pct":7.35,"lvr_min":80.1,"lvr_max":90.0,"lvr_source":"tier","loan_min":150000.0,"loan_max":null,"interest_in_advance":false,"offset":true,"redraw":true,"annual_fee":300.0,"upfront_fees":0,"exit_fees":250.0,"revert_rate":null,"revert_rate_basis":null,"comparison_check":{"ok":false,"ours_at_150k":null,"bank":7.35,"reason":"revert rate not published"},"restrictions":["restricted_membership"],"eligibility":{"restricted":true,"who":"Australian education sector employees (current or retired) and their families","quote":"Membership is open to current or retired employees of the Australian education sector or family members of members (i.e. shareholders) of the Bank.","source_url":"https://ob.tmbl.com.au/ambank/cds-au/v1/banking/products/5dad5f2c-1e71-11f1-b485-325096b39f47"},"ranked":true,"conditions":["no establishment fee on Your Way Plus: the bank's page says \"Establishment fee $0 (Usually $600)\" (checked 2026-11-13)","restricted membership: Australian education sector employees (current or retired) and their families","Rates are for new business only (per the bank's terms on 2026-11-01; that sentence could not be found in them today, so check the bank's page)","Extra repayments while fixed capped at $10k per anniversary year","$600 establishment fee is waived on Your Way Plus (data shows $600)"],"additional_info":"Fixed rate for 1 year. Comparison rates quoted are based on $150,000 for a term of 25 years. Rates apply to secured loans only. 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 d…","source_url":"https://ob.tmbl.com.au/ambank/cds-au/v1/banking/products/5dad5f2c-1e71-11f1-b485-325096b39f47","source_snapshot":"/au/finance/home-loans/v1/source/australian-mutual-bank-ltd/5dad5f2c-1e71-11f1-b485-325096b39f47.json","bank_last_updated":"2026-11-11T01:40:49.000+11:00"},
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    {"brand":"Australian Mutual Bank LTD","brand_label":"Australian Mutual Bank","brand_slug":"australian-mutual-bank-ltd","legal_entity_abn":"30087650459","product_id":"5dad5f2c-1e71-11f1-b485-325096b39f47","product_name":"Your Way Plus Fixed Interest Only Home Loan","product_label":"Your Way Plus Fixed Interest Only Home Loan","product_url":"https://australianmutual.bank/loans/home-loans/your-way-plus-owner-occupier-home-loan/","terms_url":"https://australianmutual.bank/loans/home-loans/your-way-plus-owner-occupier-home-loan/","record_stale":false,"record_correction":"no establishment fee on Your Way Plus: the bank's page says \"Establishment fee $0 (Usually $600)\" (checked 2026-11-13)","rate_kind":"fixed","lending_rate_type":"FIXED","fixed_months":48,"kind":"fixed_4","purpose":"owner_occupied","repayment":"interest_only","rate":0.0744,"rate_pct":7.44,"comparison_rate":0.0771,"comparison_rate_pct":7.71,"lvr_min":90.1,"lvr_max":98.0,"lvr_source":"tier","loan_min":150000.0,"loan_max":null,"interest_in_advance":false,"offset":true,"redraw":true,"annual_fee":300.0,"upfront_fees":0,"exit_fees":250.0,"revert_rate":null,"revert_rate_basis":null,"comparison_check":{"ok":false,"ours_at_150k":null,"bank":7.71,"reason":"revert rate not published"},"restrictions":["restricted_membership"],"eligibility":{"restricted":true,"who":"Australian education sector employees (current or retired) and their families","quote":"Membership is open to current or retired employees of the Australian education sector or family members of members (i.e. shareholders) of the Bank.","source_url":"https://ob.tmbl.com.au/ambank/cds-au/v1/banking/products/5dad5f2c-1e71-11f1-b485-325096b39f47"},"ranked":true,"conditions":["no establishment fee on Your Way Plus: the bank's page says \"Establishment fee $0 (Usually $600)\" (checked 2026-11-13)","restricted membership: Australian education sector employees (current or retired) and their families","Rates are for new business only (per the bank's terms on 2026-11-01; that sentence could not be found in them today, so check the bank's page)","Extra repayments while fixed capped at $10k per anniversary year","$600 establishment fee is waived on Your Way Plus (data shows $600)"],"additional_info":"Fixed rate for 4 years. Comparison rates quoted are based on $150,000 for a term of 25 years. Rates apply to secured loans only. 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…","source_url":"https://ob.tmbl.com.au/ambank/cds-au/v1/banking/products/5dad5f2c-1e71-11f1-b485-325096b39f47","source_snapshot":"/au/finance/home-loans/v1/source/australian-mutual-bank-ltd/5dad5f2c-1e71-11f1-b485-325096b39f47.json","bank_last_updated":"2026-11-11T01:40:49.000+11:00"},
    {"brand":"Australian Mutual Bank LTD","brand_label":"Australian Mutual Bank","brand_slug":"australian-mutual-bank-ltd","legal_entity_abn":"30087650459","product_id":"5dad5f2c-1e71-11f1-b485-325096b39f47","product_name":"Your Way Plus Fixed Interest Only Home Loan","product_label":"Your Way Plus Fixed Interest Only Home Loan","product_url":"https://australianmutual.bank/loans/home-loans/your-way-plus-owner-occupier-home-loan/","terms_url":"https://australianmutual.bank/loans/home-loans/your-way-plus-owner-occupier-home-loan/","record_stale":false,"record_correction":"no establishment fee on Your Way Plus: the bank's page says \"Establishment fee $0 (Usually $600)\" (checked 2026-11-13)","rate_kind":"fixed","lending_rate_type":"FIXED","fixed_months":60,"kind":"fixed_5","purpose":"owner_occupied","repayment":"interest_only","rate":0.0729,"rate_pct":7.29,"comparison_rate":0.0709,"comparison_rate_pct":7.09,"lvr_min":0.1,"lvr_max":60.0,"lvr_source":"tier","loan_min":150000.0,"loan_max":null,"interest_in_advance":false,"offset":true,"redraw":true,"annual_fee":300.0,"upfront_fees":0,"exit_fees":250.0,"revert_rate":null,"revert_rate_basis":null,"comparison_check":{"ok":false,"ours_at_150k":null,"bank":7.09,"reason":"revert rate not published"},"restrictions":["restricted_membership"],"eligibility":{"restricted":true,"who":"Australian education sector employees (current or retired) and their families","quote":"Membership is open to current or retired employees of the Australian education sector or family members of members (i.e. shareholders) of the Bank.","source_url":"https://ob.tmbl.com.au/ambank/cds-au/v1/banking/products/5dad5f2c-1e71-11f1-b485-325096b39f47"},"ranked":true,"conditions":["no establishment fee on Your Way Plus: the bank's page says \"Establishment fee $0 (Usually $600)\" (checked 2026-11-13)","restricted membership: Australian education sector employees (current or retired) and their families","Rates are for new business only (per the bank's terms on 2026-11-01; that sentence could not be found in them today, so check the bank's page)","Extra repayments while fixed capped at $10k per anniversary year","$600 establishment fee is waived on Your Way Plus (data shows $600)"],"additional_info":"Fixed rate for 5 years. Comparison rates quoted are based on $150,000 for a term of 25 years. Rates apply to secured loans only. 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…","source_url":"https://ob.tmbl.com.au/ambank/cds-au/v1/banking/products/5dad5f2c-1e71-11f1-b485-325096b39f47","source_snapshot":"/au/finance/home-loans/v1/source/australian-mutual-bank-ltd/5dad5f2c-1e71-11f1-b485-325096b39f47.json","bank_last_updated":"2026-11-11T01:40:49.000+11:00"},
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    {"brand":"Australian Mutual Bank LTD","brand_label":"Australian Mutual Bank","brand_slug":"australian-mutual-bank-ltd","legal_entity_abn":"30087650459","product_id":"8095ff08-1e71-11f1-9efa-325096b39f47","product_name":"Your Way Plus Fixed Interest Only Home Loan Investor","product_label":"Your Way Plus Fixed Interest Only Home Loan Investor","product_url":"https://australianmutual.bank/loans/home-loans/your-way-plus-investor-home-loan","terms_url":"https://australianmutual.bank/loans/home-loans/your-way-plus-investor-home-loan","record_stale":false,"record_correction":"no establishment fee on Your Way Plus: the bank's page says \"Establishment fee $0 (Usually $600)\" (checked 2026-11-13)","rate_kind":"fixed","lending_rate_type":"FIXED","fixed_months":24,"kind":"fixed_2","purpose":"investment","repayment":"interest_only","rate":0.0744,"rate_pct":7.44,"comparison_rate":0.0784,"comparison_rate_pct":7.84,"lvr_min":90.1,"lvr_max":98.0,"lvr_source":"tier","loan_min":150000.0,"loan_max":null,"interest_in_advance":false,"offset":true,"redraw":true,"annual_fee":300.0,"upfront_fees":0,"exit_fees":250.0,"revert_rate":null,"revert_rate_basis":null,"comparison_check":{"ok":false,"ours_at_150k":null,"bank":7.84,"reason":"revert rate not published"},"restrictions":["restricted_membership"],"eligibility":{"restricted":true,"who":"Australian education sector employees (current or retired) and their families","quote":"Membership is open to current or retired employees of the Australian education sector or family members of members (i.e. shareholders) of the Bank.","source_url":"https://ob.tmbl.com.au/ambank/cds-au/v1/banking/products/8095ff08-1e71-11f1-9efa-325096b39f47"},"ranked":true,"conditions":["no establishment fee on Your Way Plus: the bank's page says \"Establishment fee $0 (Usually $600)\" (checked 2026-11-13)","restricted membership: Australian education sector employees (current or retired) and their families","Rates are for new business only (per the bank's terms on 2026-11-01; that sentence could not be found in them today, so check the bank's page)","Extra repayments while fixed capped at $10k per anniversary year","$600 establishment fee is waived on Your Way Plus (data shows $600)"],"additional_info":"Fixed rate for 2 years. Comparison rates quoted are based on $150,000 for a term of 25 years. Rates apply to secured loans only. 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…","source_url":"https://ob.tmbl.com.au/ambank/cds-au/v1/banking/products/8095ff08-1e71-11f1-9efa-325096b39f47","source_snapshot":"/au/finance/home-loans/v1/source/australian-mutual-bank-ltd/8095ff08-1e71-11f1-9efa-325096b39f47.json","bank_last_updated":"2026-11-11T01:20:23.000+11:00"},
    {"brand":"Australian Mutual Bank LTD","brand_label":"Australian Mutual Bank","brand_slug":"australian-mutual-bank-ltd","legal_entity_abn":"30087650459","product_id":"8095ff08-1e71-11f1-9efa-325096b39f47","product_name":"Your Way Plus Fixed Interest Only Home Loan Investor","product_label":"Your Way Plus Fixed Interest Only Home Loan Investor","product_url":"https://australianmutual.bank/loans/home-loans/your-way-plus-investor-home-loan","terms_url":"https://australianmutual.bank/loans/home-loans/your-way-plus-investor-home-loan","record_stale":false,"record_correction":"no establishment fee on Your Way Plus: the bank's page says \"Establishment fee $0 (Usually $600)\" (checked 2026-11-13)","rate_kind":"fixed","lending_rate_type":"FIXED","fixed_months":36,"kind":"fixed_3","purpose":"investment","repayment":"interest_only","rate":0.0704,"rate_pct":7.04,"comparison_rate":0.0704,"comparison_rate_pct":7.04,"lvr_min":0.1,"lvr_max":60.0,"lvr_source":"tier","loan_min":150000.0,"loan_max":null,"interest_in_advance":false,"offset":true,"redraw":true,"annual_fee":300.0,"upfront_fees":0,"exit_fees":250.0,"revert_rate":null,"revert_rate_basis":null,"comparison_check":{"ok":false,"ours_at_150k":null,"bank":7.04,"reason":"revert rate not published"},"restrictions":["restricted_membership"],"eligibility":{"restricted":true,"who":"Australian education sector employees (current or retired) and their families","quote":"Membership is open to current or retired employees of the Australian education sector or family members of members (i.e. shareholders) of the Bank.","source_url":"https://ob.tmbl.com.au/ambank/cds-au/v1/banking/products/8095ff08-1e71-11f1-9efa-325096b39f47"},"ranked":true,"conditions":["no establishment fee on Your Way Plus: the bank's page says \"Establishment fee $0 (Usually $600)\" (checked 2026-11-13)","restricted membership: Australian education sector employees (current or retired) and their families","Rates are for new business only (per the bank's terms on 2026-11-01; that sentence could not be found in them today, so check the bank's page)","Extra repayments while fixed capped at $10k per anniversary year","$600 establishment fee is waived on Your Way Plus (data shows $600)"],"additional_info":"Fixed rate for 3 years. Comparison rates quoted are based on $150,000 for a term of 25 years. Rates apply to secured loans only. 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…","source_url":"https://ob.tmbl.com.au/ambank/cds-au/v1/banking/products/8095ff08-1e71-11f1-9efa-325096b39f47","source_snapshot":"/au/finance/home-loans/v1/source/australian-mutual-bank-ltd/8095ff08-1e71-11f1-9efa-325096b39f47.json","bank_last_updated":"2026-11-11T01:20:23.000+11:00"},
    {"brand":"Australian Mutual Bank LTD","brand_label":"Australian Mutual Bank","brand_slug":"australian-mutual-bank-ltd","legal_entity_abn":"30087650459","product_id":"8095ff08-1e71-11f1-9efa-325096b39f47","product_name":"Your Way Plus Fixed Interest Only Home Loan Investor","product_label":"Your Way Plus Fixed Interest Only Home Loan Investor","product_url":"https://australianmutual.bank/loans/home-loans/your-way-plus-investor-home-loan","terms_url":"https://australianmutual.bank/loans/home-loans/your-way-plus-investor-home-loan","record_stale":false,"record_correction":"no establishment fee on Your Way Plus: the bank's page says \"Establishment fee $0 (Usually $600)\" (checked 2026-11-13)","rate_kind":"fixed","lending_rate_type":"FIXED","fixed_months":36,"kind":"fixed_3","purpose":"investment","repayment":"interest_only","rate":0.0704,"rate_pct":7.04,"comparison_rate":0.0707,"comparison_rate_pct":7.07,"lvr_min":60.1,"lvr_max":80.0,"lvr_source":"tier","loan_min":150000.0,"loan_max":null,"interest_in_advance":false,"offset":true,"redraw":true,"annual_fee":300.0,"upfront_fees":0,"exit_fees":250.0,"revert_rate":null,"revert_rate_basis":null,"comparison_check":{"ok":false,"ours_at_150k":null,"bank":7.07,"reason":"revert rate not published"},"restrictions":["restricted_membership"],"eligibility":{"restricted":true,"who":"Australian education sector employees (current or retired) and their families","quote":"Membership is open to current or retired employees of the Australian education sector or family members of members (i.e. shareholders) of the Bank.","source_url":"https://ob.tmbl.com.au/ambank/cds-au/v1/banking/products/8095ff08-1e71-11f1-9efa-325096b39f47"},"ranked":true,"conditions":["no establishment fee on Your Way Plus: the bank's page says \"Establishment fee $0 (Usually $600)\" (checked 2026-11-13)","restricted membership: Australian education sector employees (current or retired) and their families","Rates are for new business only (per the bank's terms on 2026-11-01; that sentence could not be found in them today, so check the bank's page)","Extra repayments while fixed capped at $10k per anniversary year","$600 establishment fee is waived on Your Way Plus (data shows $600)"],"additional_info":"Fixed rate for 3 years. Comparison rates quoted are based on $150,000 for a term of 25 years. Rates apply to secured loans only. 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…","source_url":"https://ob.tmbl.com.au/ambank/cds-au/v1/banking/products/8095ff08-1e71-11f1-9efa-325096b39f47","source_snapshot":"/au/finance/home-loans/v1/source/australian-mutual-bank-ltd/8095ff08-1e71-11f1-9efa-325096b39f47.json","bank_last_updated":"2026-11-11T01:20:23.000+11:00"},
    {"brand":"Australian Mutual Bank LTD","brand_label":"Australian Mutual Bank","brand_slug":"australian-mutual-bank-ltd","legal_entity_abn":"30087650459","product_id":"8095ff08-1e71-11f1-9efa-325096b39f47","product_name":"Your Way Plus Fixed Interest Only Home Loan Investor","product_label":"Your Way Plus Fixed Interest Only Home Loan Investor","product_url":"https://australianmutual.bank/loans/home-loans/your-way-plus-investor-home-loan","terms_url":"https://australianmutual.bank/loans/home-loans/your-way-plus-investor-home-loan","record_stale":false,"record_correction":"no establishment fee on Your Way Plus: the bank's page says \"Establishment fee $0 (Usually $600)\" (checked 2026-11-13)","rate_kind":"fixed","lending_rate_type":"FIXED","fixed_months":36,"kind":"fixed_3","purpose":"investment","repayment":"interest_only","rate":0.0729,"rate_pct":7.29,"comparison_rate":0.0753,"comparison_rate_pct":7.53,"lvr_min":80.1,"lvr_max":90.0,"lvr_source":"tier","loan_min":150000.0,"loan_max":null,"interest_in_advance":false,"offset":true,"redraw":true,"annual_fee":300.0,"upfront_fees":0,"exit_fees":250.0,"revert_rate":null,"revert_rate_basis":null,"comparison_check":{"ok":false,"ours_at_150k":null,"bank":7.53,"reason":"revert rate not published"},"restrictions":["restricted_membership"],"eligibility":{"restricted":true,"who":"Australian education sector employees (current or retired) and their families","quote":"Membership is open to current or retired employees of the Australian education sector or family members of members (i.e. shareholders) of the Bank.","source_url":"https://ob.tmbl.com.au/ambank/cds-au/v1/banking/products/8095ff08-1e71-11f1-9efa-325096b39f47"},"ranked":true,"conditions":["no establishment fee on Your Way Plus: the bank's page says \"Establishment fee $0 (Usually $600)\" (checked 2026-11-13)","restricted membership: Australian education sector employees (current or retired) and their families","Rates are for new business only (per the bank's terms on 2026-11-01; that sentence could not be found in them today, so check the bank's page)","Extra repayments while fixed capped at $10k per anniversary year","$600 establishment fee is waived on Your Way Plus (data shows $600)"],"additional_info":"Fixed rate for 3 years. Comparison rates quoted are based on $150,000 for a term of 25 years. Rates apply to secured loans only. 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…","source_url":"https://ob.tmbl.com.au/ambank/cds-au/v1/banking/products/8095ff08-1e71-11f1-9efa-325096b39f47","source_snapshot":"/au/finance/home-loans/v1/source/australian-mutual-bank-ltd/8095ff08-1e71-11f1-9efa-325096b39f47.json","bank_last_updated":"2026-11-11T01:20:23.000+11:00"},
    {"brand":"Australian Mutual Bank LTD","brand_label":"Australian Mutual Bank","brand_slug":"australian-mutual-bank-ltd","legal_entity_abn":"30087650459","product_id":"8095ff08-1e71-11f1-9efa-325096b39f47","product_name":"Your Way Plus Fixed Interest Only Home Loan Investor","product_label":"Your Way Plus Fixed Interest Only Home Loan Investor","product_url":"https://australianmutual.bank/loans/home-loans/your-way-plus-investor-home-loan","terms_url":"https://australianmutual.bank/loans/home-loans/your-way-plus-investor-home-loan","record_stale":false,"record_correction":"no establishment fee on Your Way Plus: the bank's page says \"Establishment fee $0 (Usually $600)\" (checked 2026-11-13)","rate_kind":"fixed","lending_rate_type":"FIXED","fixed_months":36,"kind":"fixed_3","purpose":"investment","repayment":"interest_only","rate":0.0749,"rate_pct":7.49,"comparison_rate":0.0784,"comparison_rate_pct":7.84,"lvr_min":90.1,"lvr_max":98.0,"lvr_source":"tier","loan_min":150000.0,"loan_max":null,"interest_in_advance":false,"offset":true,"redraw":true,"annual_fee":300.0,"upfront_fees":0,"exit_fees":250.0,"revert_rate":null,"revert_rate_basis":null,"comparison_check":{"ok":false,"ours_at_150k":null,"bank":7.84,"reason":"revert rate not published"},"restrictions":["restricted_membership"],"eligibility":{"restricted":true,"who":"Australian education sector employees (current or retired) and their families","quote":"Membership is open to current or retired employees of the Australian education sector or family members of members (i.e. shareholders) of the Bank.","source_url":"https://ob.tmbl.com.au/ambank/cds-au/v1/banking/products/8095ff08-1e71-11f1-9efa-325096b39f47"},"ranked":true,"conditions":["no establishment fee on Your Way Plus: the bank's page says \"Establishment fee $0 (Usually $600)\" (checked 2026-11-13)","restricted membership: Australian education sector employees (current or retired) and their families","Rates are for new business only (per the bank's terms on 2026-11-01; that sentence could not be found in them today, so check the bank's page)","Extra repayments while fixed capped at $10k per anniversary year","$600 establishment fee is waived on Your Way Plus (data shows $600)"],"additional_info":"Fixed rate for 3 years. Comparison rates quoted are based on $150,000 for a term of 25 years. Rates apply to secured loans only. 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…","source_url":"https://ob.tmbl.com.au/ambank/cds-au/v1/banking/products/8095ff08-1e71-11f1-9efa-325096b39f47","source_snapshot":"/au/finance/home-loans/v1/source/australian-mutual-bank-ltd/8095ff08-1e71-11f1-9efa-325096b39f47.json","bank_last_updated":"2026-11-11T01:20:23.000+11:00"},
    {"brand":"Australian Mutual Bank LTD","brand_label":"Australian Mutual Bank","brand_slug":"australian-mutual-bank-ltd","legal_entity_abn":"30087650459","product_id":"8095ff08-1e71-11f1-9efa-325096b39f47","product_name":"Your Way Plus Fixed Interest Only Home Loan Investor","product_label":"Your Way Plus Fixed Interest Only Home Loan Investor","product_url":"https://australianmutual.bank/loans/home-loans/your-way-plus-investor-home-loan","terms_url":"https://australianmutual.bank/loans/home-loans/your-way-plus-investor-home-loan","record_stale":false,"record_correction":"no establishment fee on Your Way Plus: the bank's page says \"Establishment fee $0 (Usually $600)\" (checked 2026-11-13)","rate_kind":"fixed","lending_rate_type":"FIXED","fixed_months":48,"kind":"fixed_4","purpose":"investment","repayment":"interest_only","rate":0.0724,"rate_pct":7.24,"comparison_rate":0.0714,"comparison_rate_pct":7.14,"lvr_min":0.1,"lvr_max":60.0,"lvr_source":"tier","loan_min":150000.0,"loan_max":null,"interest_in_advance":false,"offset":true,"redraw":true,"annual_fee":300.0,"upfront_fees":0,"exit_fees":250.0,"revert_rate":null,"revert_rate_basis":null,"comparison_check":{"ok":false,"ours_at_150k":null,"bank":7.14,"reason":"revert rate not published"},"restrictions":["restricted_membership"],"eligibility":{"restricted":true,"who":"Australian education sector employees (current or retired) and their families","quote":"Membership is open to current or retired employees of the Australian education sector or family members of members (i.e. shareholders) of the Bank.","source_url":"https://ob.tmbl.com.au/ambank/cds-au/v1/banking/products/8095ff08-1e71-11f1-9efa-325096b39f47"},"ranked":true,"conditions":["no establishment fee on Your Way Plus: the bank's page says \"Establishment fee $0 (Usually $600)\" (checked 2026-11-13)","restricted membership: Australian education sector employees (current or retired) and their families","Rates are for new business only (per the bank's terms on 2026-11-01; that sentence could not be found in them today, so check the bank's page)","Extra repayments while fixed capped at $10k per anniversary year","$600 establishment fee is waived on Your Way Plus (data shows $600)"],"additional_info":"Fixed rate for 4 years. Comparison rates quoted are based on $150,000 for a term of 25 years. Rates apply to secured loans only. 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…","source_url":"https://ob.tmbl.com.au/ambank/cds-au/v1/banking/products/8095ff08-1e71-11f1-9efa-325096b39f47","source_snapshot":"/au/finance/home-loans/v1/source/australian-mutual-bank-ltd/8095ff08-1e71-11f1-9efa-325096b39f47.json","bank_last_updated":"2026-11-11T01:20:23.000+11:00"},
    {"brand":"Australian Mutual Bank LTD","brand_label":"Australian Mutual Bank","brand_slug":"australian-mutual-bank-ltd","legal_entity_abn":"30087650459","product_id":"8095ff08-1e71-11f1-9efa-325096b39f47","product_name":"Your Way Plus Fixed Interest Only Home Loan Investor","product_label":"Your Way Plus Fixed Interest Only Home Loan Investor","product_url":"https://australianmutual.bank/loans/home-loans/your-way-plus-investor-home-loan","terms_url":"https://australianmutual.bank/loans/home-loans/your-way-plus-investor-home-loan","record_stale":false,"record_correction":"no establishment fee on Your Way Plus: the bank's page says \"Establishment fee $0 (Usually $600)\" (checked 2026-11-13)","rate_kind":"fixed","lending_rate_type":"FIXED","fixed_months":48,"kind":"fixed_4","purpose":"investment","repayment":"interest_only","rate":0.0724,"rate_pct":7.24,"comparison_rate":0.0717,"comparison_rate_pct":7.17,"lvr_min":60.1,"lvr_max":80.0,"lvr_source":"tier","loan_min":150000.0,"loan_max":null,"interest_in_advance":false,"offset":true,"redraw":true,"annual_fee":300.0,"upfront_fees":0,"exit_fees":250.0,"revert_rate":null,"revert_rate_basis":null,"comparison_check":{"ok":false,"ours_at_150k":null,"bank":7.17,"reason":"revert rate not published"},"restrictions":["restricted_membership"],"eligibility":{"restricted":true,"who":"Australian education sector employees (current or retired) and their families","quote":"Membership is open to current or retired employees of the Australian education sector or family members of members (i.e. shareholders) of the Bank.","source_url":"https://ob.tmbl.com.au/ambank/cds-au/v1/banking/products/8095ff08-1e71-11f1-9efa-325096b39f47"},"ranked":true,"conditions":["no establishment fee on Your Way Plus: the bank's page says \"Establishment fee $0 (Usually $600)\" (checked 2026-11-13)","restricted membership: Australian education sector employees (current or retired) and their families","Rates are for new business only (per the bank's terms on 2026-11-01; that sentence could not be found in them today, so check the bank's page)","Extra repayments while fixed capped at $10k per anniversary year","$600 establishment fee is waived on Your Way Plus (data shows $600)"],"additional_info":"Fixed rate for 4 years. Comparison rates quoted are based on $150,000 for a term of 25 years. Rates apply to secured loans only. 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…","source_url":"https://ob.tmbl.com.au/ambank/cds-au/v1/banking/products/8095ff08-1e71-11f1-9efa-325096b39f47","source_snapshot":"/au/finance/home-loans/v1/source/australian-mutual-bank-ltd/8095ff08-1e71-11f1-9efa-325096b39f47.json","bank_last_updated":"2026-11-11T01:20:23.000+11:00"},
    {"brand":"Australian Mutual Bank LTD","brand_label":"Australian Mutual Bank","brand_slug":"australian-mutual-bank-ltd","legal_entity_abn":"30087650459","product_id":"8095ff08-1e71-11f1-9efa-325096b39f47","product_name":"Your Way Plus Fixed Interest Only Home Loan Investor","product_label":"Your Way Plus Fixed Interest Only Home Loan Investor","product_url":"https://australianmutual.bank/loans/home-loans/your-way-plus-investor-home-loan","terms_url":"https://australianmutual.bank/loans/home-loans/your-way-plus-investor-home-loan","record_stale":false,"record_correction":"no establishment fee on Your Way Plus: the bank's page says \"Establishment fee $0 (Usually $600)\" (checked 2026-11-13)","rate_kind":"fixed","lending_rate_type":"FIXED","fixed_months":48,"kind":"fixed_4","purpose":"investment","repayment":"interest_only","rate":0.0754,"rate_pct":7.54,"comparison_rate":0.0763,"comparison_rate_pct":7.63,"lvr_min":80.1,"lvr_max":90.0,"lvr_source":"tier","loan_min":150000.0,"loan_max":null,"interest_in_advance":false,"offset":true,"redraw":true,"annual_fee":300.0,"upfront_fees":0,"exit_fees":250.0,"revert_rate":null,"revert_rate_basis":null,"comparison_check":{"ok":false,"ours_at_150k":null,"bank":7.63,"reason":"revert rate not published"},"restrictions":["restricted_membership"],"eligibility":{"restricted":true,"who":"Australian education sector employees (current or retired) and their families","quote":"Membership is open to current or retired employees of the Australian education sector or family members of members (i.e. shareholders) of the Bank.","source_url":"https://ob.tmbl.com.au/ambank/cds-au/v1/banking/products/8095ff08-1e71-11f1-9efa-325096b39f47"},"ranked":true,"conditions":["no establishment fee on Your Way Plus: the bank's page says \"Establishment fee $0 (Usually $600)\" (checked 2026-11-13)","restricted membership: Australian education sector employees (current or retired) and their families","Rates are for new business only (per the bank's terms on 2026-11-01; that sentence could not be found in them today, so check the bank's page)","Extra repayments while fixed capped at $10k per anniversary year","$600 establishment fee is waived on Your Way Plus (data shows $600)"],"additional_info":"Fixed rate for 4 years. Comparison rates quoted are based on $150,000 for a term of 25 years. Rates apply to secured loans only. 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…","source_url":"https://ob.tmbl.com.au/ambank/cds-au/v1/banking/products/8095ff08-1e71-11f1-9efa-325096b39f47","source_snapshot":"/au/finance/home-loans/v1/source/australian-mutual-bank-ltd/8095ff08-1e71-11f1-9efa-325096b39f47.json","bank_last_updated":"2026-11-11T01:20:23.000+11:00"},
    {"brand":"Australian Mutual Bank LTD","brand_label":"Australian Mutual Bank","brand_slug":"australian-mutual-bank-ltd","legal_entity_abn":"30087650459","product_id":"8095ff08-1e71-11f1-9efa-325096b39f47","product_name":"Your Way Plus Fixed Interest Only Home Loan Investor","product_label":"Your Way Plus Fixed Interest Only Home Loan Investor","product_url":"https://australianmutual.bank/loans/home-loans/your-way-plus-investor-home-loan","terms_url":"https://australianmutual.bank/loans/home-loans/your-way-plus-investor-home-loan","record_stale":false,"record_correction":"no establishment fee on Your Way Plus: the bank's page says \"Establishment fee $0 (Usually $600)\" (checked 2026-11-13)","rate_kind":"fixed","lending_rate_type":"FIXED","fixed_months":48,"kind":"fixed_4","purpose":"investment","repayment":"interest_only","rate":0.0759,"rate_pct":7.59,"comparison_rate":0.0786,"comparison_rate_pct":7.86,"lvr_min":90.1,"lvr_max":98.0,"lvr_source":"tier","loan_min":150000.0,"loan_max":null,"interest_in_advance":false,"offset":true,"redraw":true,"annual_fee":300.0,"upfront_fees":0,"exit_fees":250.0,"revert_rate":null,"revert_rate_basis":null,"comparison_check":{"ok":false,"ours_at_150k":null,"bank":7.86,"reason":"revert rate not published"},"restrictions":["restricted_membership"],"eligibility":{"restricted":true,"who":"Australian education sector employees (current or retired) and their families","quote":"Membership is open to current or retired employees of the Australian education sector or family members of members (i.e. shareholders) of the Bank.","source_url":"https://ob.tmbl.com.au/ambank/cds-au/v1/banking/products/8095ff08-1e71-11f1-9efa-325096b39f47"},"ranked":true,"conditions":["no establishment fee on Your Way Plus: the bank's page says \"Establishment fee $0 (Usually $600)\" (checked 2026-11-13)","restricted membership: Australian education sector employees (current or retired) and their families","Rates are for new business only (per the bank's terms on 2026-11-01; that sentence could not be found in them today, so check the bank's page)","Extra repayments while fixed capped at $10k per anniversary year","$600 establishment fee is waived on Your Way Plus (data shows $600)"],"additional_info":"Fixed rate for 4 years. Comparison rates quoted are based on $150,000 for a term of 25 years. Rates apply to secured loans only. 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…","source_url":"https://ob.tmbl.com.au/ambank/cds-au/v1/banking/products/8095ff08-1e71-11f1-9efa-325096b39f47","source_snapshot":"/au/finance/home-loans/v1/source/australian-mutual-bank-ltd/8095ff08-1e71-11f1-9efa-325096b39f47.json","bank_last_updated":"2026-11-11T01:20:23.000+11:00"},
    {"brand":"Australian Mutual Bank LTD","brand_label":"Australian Mutual Bank","brand_slug":"australian-mutual-bank-ltd","legal_entity_abn":"30087650459","product_id":"8095ff08-1e71-11f1-9efa-325096b39f47","product_name":"Your Way Plus Fixed Interest Only Home Loan Investor","product_label":"Your Way Plus Fixed Interest Only Home Loan Investor","product_url":"https://australianmutual.bank/loans/home-loans/your-way-plus-investor-home-loan","terms_url":"https://australianmutual.bank/loans/home-loans/your-way-plus-investor-home-loan","record_stale":false,"record_correction":"no establishment fee on Your Way Plus: the bank's page says \"Establishment fee $0 (Usually $600)\" (checked 2026-11-13)","rate_kind":"fixed","lending_rate_type":"FIXED","fixed_months":60,"kind":"fixed_5","purpose":"investment","repayment":"interest_only","rate":0.0729,"rate_pct":7.29,"comparison_rate":0.072,"comparison_rate_pct":7.2,"lvr_min":0.1,"lvr_max":60.0,"lvr_source":"tier","loan_min":150000.0,"loan_max":null,"interest_in_advance":false,"offset":true,"redraw":true,"annual_fee":300.0,"upfront_fees":0,"exit_fees":250.0,"revert_rate":null,"revert_rate_basis":null,"comparison_check":{"ok":false,"ours_at_150k":null,"bank":7.2,"reason":"revert rate not published"},"restrictions":["restricted_membership"],"eligibility":{"restricted":true,"who":"Australian education sector employees (current or retired) and their families","quote":"Membership is open to current or retired employees of the Australian education sector or family members of members (i.e. shareholders) of the Bank.","source_url":"https://ob.tmbl.com.au/ambank/cds-au/v1/banking/products/8095ff08-1e71-11f1-9efa-325096b39f47"},"ranked":true,"conditions":["no establishment fee on Your Way Plus: the bank's page says \"Establishment fee $0 (Usually $600)\" (checked 2026-11-13)","restricted membership: Australian education sector employees (current or retired) and their families","Rates are for new business only (per the bank's terms on 2026-11-01; that sentence could not be found in them today, so check the bank's page)","Extra repayments while fixed capped at $10k per anniversary year","$600 establishment fee is waived on Your Way Plus (data shows $600)"],"additional_info":"Fixed rate for 5 years. Comparison rates quoted are based on $150,000 for a term of 25 years. Rates apply to secured loans only. 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…","source_url":"https://ob.tmbl.com.au/ambank/cds-au/v1/banking/products/8095ff08-1e71-11f1-9efa-325096b39f47","source_snapshot":"/au/finance/home-loans/v1/source/australian-mutual-bank-ltd/8095ff08-1e71-11f1-9efa-325096b39f47.json","bank_last_updated":"2026-11-11T01:20:23.000+11:00"},
    {"brand":"Australian Mutual Bank LTD","brand_label":"Australian Mutual Bank","brand_slug":"australian-mutual-bank-ltd","legal_entity_abn":"30087650459","product_id":"8095ff08-1e71-11f1-9efa-325096b39f47","product_name":"Your Way Plus Fixed Interest Only Home Loan Investor","product_label":"Your Way Plus Fixed Interest Only Home Loan Investor","product_url":"https://australianmutual.bank/loans/home-loans/your-way-plus-investor-home-loan","terms_url":"https://australianmutual.bank/loans/home-loans/your-way-plus-investor-home-loan","record_stale":false,"record_correction":"no establishment fee on Your Way Plus: the bank's page says \"Establishment fee $0 (Usually $600)\" (checked 2026-11-13)","rate_kind":"fixed","lending_rate_type":"FIXED","fixed_months":60,"kind":"fixed_5","purpose":"investment","repayment":"interest_only","rate":0.0729,"rate_pct":7.29,"comparison_rate":0.0723,"comparison_rate_pct":7.23,"lvr_min":60.1,"lvr_max":80.0,"lvr_source":"tier","loan_min":150000.0,"loan_max":null,"interest_in_advance":false,"offset":true,"redraw":true,"annual_fee":300.0,"upfront_fees":0,"exit_fees":250.0,"revert_rate":null,"revert_rate_basis":null,"comparison_check":{"ok":false,"ours_at_150k":null,"bank":7.23,"reason":"revert rate not published"},"restrictions":["restricted_membership"],"eligibility":{"restricted":true,"who":"Australian education sector employees (current or retired) and their families","quote":"Membership is open to current or retired employees of the Australian education sector or family members of members (i.e. shareholders) of the Bank.","source_url":"https://ob.tmbl.com.au/ambank/cds-au/v1/banking/products/8095ff08-1e71-11f1-9efa-325096b39f47"},"ranked":true,"conditions":["no establishment fee on Your Way Plus: the bank's page says \"Establishment fee $0 (Usually $600)\" (checked 2026-11-13)","restricted membership: Australian education sector employees (current or retired) and their families","Rates are for new business only (per the bank's terms on 2026-11-01; that sentence could not be found in them today, so check the bank's page)","Extra repayments while fixed capped at $10k per anniversary year","$600 establishment fee is waived on Your Way Plus (data shows $600)"],"additional_info":"Fixed rate for 5 years. Comparison rates quoted are based on $150,000 for a term of 25 years. Rates apply to secured loans only. 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…","source_url":"https://ob.tmbl.com.au/ambank/cds-au/v1/banking/products/8095ff08-1e71-11f1-9efa-325096b39f47","source_snapshot":"/au/finance/home-loans/v1/source/australian-mutual-bank-ltd/8095ff08-1e71-11f1-9efa-325096b39f47.json","bank_last_updated":"2026-11-11T01:20:23.000+11:00"},
    {"brand":"Australian Mutual Bank LTD","brand_label":"Australian Mutual Bank","brand_slug":"australian-mutual-bank-ltd","legal_entity_abn":"30087650459","product_id":"8095ff08-1e71-11f1-9efa-325096b39f47","product_name":"Your Way Plus Fixed Interest Only Home Loan Investor","product_label":"Your Way Plus Fixed Interest Only Home Loan Investor","product_url":"https://australianmutual.bank/loans/home-loans/your-way-plus-investor-home-loan","terms_url":"https://australianmutual.bank/loans/home-loans/your-way-plus-investor-home-loan","record_stale":false,"record_correction":"no establishment fee on Your Way Plus: the bank's page says \"Establishment fee $0 (Usually $600)\" (checked 2026-11-13)","rate_kind":"fixed","lending_rate_type":"FIXED","fixed_months":60,"kind":"fixed_5","purpose":"investment","repayment":"interest_only","rate":0.0764,"rate_pct":7.64,"comparison_rate":0.0769,"comparison_rate_pct":7.69,"lvr_min":80.1,"lvr_max":90.0,"lvr_source":"tier","loan_min":150000.0,"loan_max":null,"interest_in_advance":false,"offset":true,"redraw":true,"annual_fee":300.0,"upfront_fees":0,"exit_fees":250.0,"revert_rate":null,"revert_rate_basis":null,"comparison_check":{"ok":false,"ours_at_150k":null,"bank":7.69,"reason":"revert rate not published"},"restrictions":["restricted_membership"],"eligibility":{"restricted":true,"who":"Australian education sector employees (current or retired) and their families","quote":"Membership is open to current or retired employees of the Australian education sector or family members of members (i.e. shareholders) of the Bank.","source_url":"https://ob.tmbl.com.au/ambank/cds-au/v1/banking/products/8095ff08-1e71-11f1-9efa-325096b39f47"},"ranked":true,"conditions":["no establishment fee on Your Way Plus: the bank's page says \"Establishment fee $0 (Usually $600)\" (checked 2026-11-13)","restricted membership: Australian education sector employees (current or retired) and their families","Rates are for new business only (per the bank's terms on 2026-11-01; that sentence could not be found in them today, so check the bank's page)","Extra repayments while fixed capped at $10k per anniversary year","$600 establishment fee is waived on Your Way Plus (data shows $600)"],"additional_info":"Fixed rate for 5 years. Comparison rates quoted are based on $150,000 for a term of 25 years. Rates apply to secured loans only. 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…","source_url":"https://ob.tmbl.com.au/ambank/cds-au/v1/banking/products/8095ff08-1e71-11f1-9efa-325096b39f47","source_snapshot":"/au/finance/home-loans/v1/source/australian-mutual-bank-ltd/8095ff08-1e71-11f1-9efa-325096b39f47.json","bank_last_updated":"2026-11-11T01:20:23.000+11:00"},
    {"brand":"Australian Mutual Bank LTD","brand_label":"Australian Mutual Bank","brand_slug":"australian-mutual-bank-ltd","legal_entity_abn":"30087650459","product_id":"8095ff08-1e71-11f1-9efa-325096b39f47","product_name":"Your Way Plus Fixed Interest Only Home Loan Investor","product_label":"Your Way Plus Fixed Interest Only Home Loan Investor","product_url":"https://australianmutual.bank/loans/home-loans/your-way-plus-investor-home-loan","terms_url":"https://australianmutual.bank/loans/home-loans/your-way-plus-investor-home-loan","record_stale":false,"record_correction":"no establishment fee on Your Way Plus: the bank's page says \"Establishment fee $0 (Usually $600)\" (checked 2026-11-13)","rate_kind":"fixed","lending_rate_type":"FIXED","fixed_months":60,"kind":"fixed_5","purpose":"investment","repayment":"interest_only","rate":0.0774,"rate_pct":7.74,"comparison_rate":0.0793,"comparison_rate_pct":7.93,"lvr_min":90.1,"lvr_max":98.0,"lvr_source":"tier","loan_min":150000.0,"loan_max":null,"interest_in_advance":false,"offset":true,"redraw":true,"annual_fee":300.0,"upfront_fees":0,"exit_fees":250.0,"revert_rate":null,"revert_rate_basis":null,"comparison_check":{"ok":false,"ours_at_150k":null,"bank":7.93,"reason":"revert rate not published"},"restrictions":["restricted_membership"],"eligibility":{"restricted":true,"who":"Australian education sector employees (current or retired) and their families","quote":"Membership is open to current or retired employees of the Australian education sector or family members of members (i.e. shareholders) of the Bank.","source_url":"https://ob.tmbl.com.au/ambank/cds-au/v1/banking/products/8095ff08-1e71-11f1-9efa-325096b39f47"},"ranked":true,"conditions":["no establishment fee on Your Way Plus: the bank's page says \"Establishment fee $0 (Usually $600)\" (checked 2026-11-13)","restricted membership: Australian education sector employees (current or retired) and their families","Rates are for new business only (per the bank's terms on 2026-11-01; that sentence could not be found in them today, so check the bank's page)","Extra repayments while fixed capped at $10k per anniversary year","$600 establishment fee is waived on Your Way Plus (data shows $600)"],"additional_info":"Fixed rate for 5 years. Comparison rates quoted are based on $150,000 for a term of 25 years. Rates apply to secured loans only. 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…","source_url":"https://ob.tmbl.com.au/ambank/cds-au/v1/banking/products/8095ff08-1e71-11f1-9efa-325096b39f47","source_snapshot":"/au/finance/home-loans/v1/source/australian-mutual-bank-ltd/8095ff08-1e71-11f1-9efa-325096b39f47.json","bank_last_updated":"2026-11-11T01:20:23.000+11:00"},
    {"brand":"Australian Mutual Bank LTD","brand_label":"Australian Mutual Bank","brand_slug":"australian-mutual-bank-ltd","legal_entity_abn":"30087650459","product_id":"2354d51c-1e71-11f1-8ca2-325096b39f47","product_name":"Your Way Plus Home Loan","product_label":"Your Way Plus Home Loan","product_url":"https://australianmutual.bank/loans/home-loans/your-way-plus-owner-occupier-home-loan/","terms_url":"https://australianmutual.bank/loans/home-loans/your-way-owner-occupier-home-loan/","record_stale":false,"record_correction":"no establishment fee on Your Way Plus: the bank's page says \"Establishment fee $0 (Usually $600)\" (checked 2026-11-13)","rate_kind":"variable","lending_rate_type":"VARIABLE","fixed_months":null,"kind":"variable","purpose":"owner_occupied","repayment":"principal_and_interest","rate":0.0644,"rate_pct":6.44,"comparison_rate":0.0674,"comparison_rate_pct":6.74,"lvr_min":0.1,"lvr_max":60.0,"lvr_source":"tier","loan_min":150000.0,"loan_max":null,"interest_in_advance":false,"offset":true,"redraw":true,"annual_fee":300.0,"upfront_fees":0,"exit_fees":250.0,"revert_rate":null,"revert_rate_basis":null,"comparison_check":{"ok":true,"ours_at_150k":6.71,"bank":6.74},"restrictions":["restricted_membership"],"eligibility":{"restricted":true,"who":"Australian education sector employees (current or retired) and their families","quote":"Membership is open to current or retired employees of the Australian education sector or family members of members (i.e. shareholders) of the Bank.","source_url":"https://ob.tmbl.com.au/ambank/cds-au/v1/banking/products/2354d51c-1e71-11f1-8ca2-325096b39f47"},"ranked":true,"conditions":["no establishment fee on Your Way Plus: the bank's page says \"Establishment fee $0 (Usually $600)\" (checked 2026-11-13)","restricted membership: Australian education sector employees (current or retired) and their families","Rates are for new business only (per the bank's terms on 2026-11-01; that sentence could not be found in them today, so check the bank's page)","$600 establishment fee is waived on Your Way Plus (data shows $600)"],"additional_info":"Comparison rates quoted are based on $150,000 for a term of 25 years. Rates apply to secured loans only. 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","source_url":"https://ob.tmbl.com.au/ambank/cds-au/v1/banking/products/2354d51c-1e71-11f1-8ca2-325096b39f47","source_snapshot":"/au/finance/home-loans/v1/source/australian-mutual-bank-ltd/2354d51c-1e71-11f1-8ca2-325096b39f47.json","bank_last_updated":"2026-11-11T01:40:49.000+11:00"},
    {"brand":"Australian Mutual Bank LTD","brand_label":"Australian Mutual Bank","brand_slug":"australian-mutual-bank-ltd","legal_entity_abn":"30087650459","product_id":"2354d51c-1e71-11f1-8ca2-325096b39f47","product_name":"Your Way Plus Home Loan","product_label":"Your Way Plus Home Loan","product_url":"https://australianmutual.bank/loans/home-loans/your-way-plus-owner-occupier-home-loan/","terms_url":"https://australianmutual.bank/loans/home-loans/your-way-owner-occupier-home-loan/","record_stale":false,"record_correction":"no establishment fee on Your Way Plus: the bank's page says \"Establishment fee $0 (Usually $600)\" (checked 2026-11-13)","rate_kind":"variable","lending_rate_type":"VARIABLE","fixed_months":null,"kind":"variable","purpose":"owner_occupied","repayment":"principal_and_interest","rate":0.0654,"rate_pct":6.54,"comparison_rate":0.0684,"comparison_rate_pct":6.84,"lvr_min":60.1,"lvr_max":70.0,"lvr_source":"tier","loan_min":150000.0,"loan_max":null,"interest_in_advance":false,"offset":true,"redraw":true,"annual_fee":300.0,"upfront_fees":0,"exit_fees":250.0,"revert_rate":null,"revert_rate_basis":null,"comparison_check":{"ok":true,"ours_at_150k":6.81,"bank":6.84},"restrictions":["restricted_membership"],"eligibility":{"restricted":true,"who":"Australian education sector employees (current or retired) and their families","quote":"Membership is open to current or retired employees of the Australian education sector or family members of members (i.e. shareholders) of the Bank.","source_url":"https://ob.tmbl.com.au/ambank/cds-au/v1/banking/products/2354d51c-1e71-11f1-8ca2-325096b39f47"},"ranked":true,"conditions":["no establishment fee on Your Way Plus: the bank's page says \"Establishment fee $0 (Usually $600)\" (checked 2026-11-13)","restricted membership: Australian education sector employees (current or retired) and their families","Rates are for new business only (per the bank's terms on 2026-11-01; that sentence could not be found in them today, so check the bank's page)","$600 establishment fee is waived on Your Way Plus (data shows $600)"],"additional_info":"Comparison rates quoted are based on $150,000 for a term of 25 years. Rates apply to secured loans only. 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","source_url":"https://ob.tmbl.com.au/ambank/cds-au/v1/banking/products/2354d51c-1e71-11f1-8ca2-325096b39f47","source_snapshot":"/au/finance/home-loans/v1/source/australian-mutual-bank-ltd/2354d51c-1e71-11f1-8ca2-325096b39f47.json","bank_last_updated":"2026-11-11T01:40:49.000+11:00"},
    {"brand":"Australian Mutual Bank LTD","brand_label":"Australian Mutual Bank","brand_slug":"australian-mutual-bank-ltd","legal_entity_abn":"30087650459","product_id":"2354d51c-1e71-11f1-8ca2-325096b39f47","product_name":"Your Way Plus Home Loan","product_label":"Your Way Plus Home Loan","product_url":"https://australianmutual.bank/loans/home-loans/your-way-plus-owner-occupier-home-loan/","terms_url":"https://australianmutual.bank/loans/home-loans/your-way-owner-occupier-home-loan/","record_stale":false,"record_correction":"no establishment fee on Your Way Plus: the bank's page says \"Establishment fee $0 (Usually $600)\" (checked 2026-11-13)","rate_kind":"variable","lending_rate_type":"VARIABLE","fixed_months":null,"kind":"variable","purpose":"owner_occupied","repayment":"principal_and_interest","rate":0.0659,"rate_pct":6.59,"comparison_rate":0.0689,"comparison_rate_pct":6.89,"lvr_min":70.0,"lvr_max":80.0,"lvr_source":"tier","loan_min":150000.0,"loan_max":null,"interest_in_advance":false,"offset":true,"redraw":true,"annual_fee":300.0,"upfront_fees":0,"exit_fees":250.0,"revert_rate":null,"revert_rate_basis":null,"comparison_check":{"ok":true,"ours_at_150k":6.86,"bank":6.89},"restrictions":["restricted_membership"],"eligibility":{"restricted":true,"who":"Australian education sector employees (current or retired) and their families","quote":"Membership is open to current or retired employees of the Australian education sector or family members of members (i.e. shareholders) of the Bank.","source_url":"https://ob.tmbl.com.au/ambank/cds-au/v1/banking/products/2354d51c-1e71-11f1-8ca2-325096b39f47"},"ranked":true,"conditions":["no establishment fee on Your Way Plus: the bank's page says \"Establishment fee $0 (Usually $600)\" (checked 2026-11-13)","restricted membership: Australian education sector employees (current or retired) and their families","Rates are for new business only (per the bank's terms on 2026-11-01; that sentence could not be found in them today, so check the bank's page)","$600 establishment fee is waived on Your Way Plus (data shows $600)"],"additional_info":"Comparison rates quoted are based on $150,000 for a term of 25 years. Rates apply to secured loans only. 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","source_url":"https://ob.tmbl.com.au/ambank/cds-au/v1/banking/products/2354d51c-1e71-11f1-8ca2-325096b39f47","source_snapshot":"/au/finance/home-loans/v1/source/australian-mutual-bank-ltd/2354d51c-1e71-11f1-8ca2-325096b39f47.json","bank_last_updated":"2026-11-11T01:40:49.000+11:00"},
    {"brand":"Australian Mutual Bank LTD","brand_label":"Australian Mutual Bank","brand_slug":"australian-mutual-bank-ltd","legal_entity_abn":"30087650459","product_id":"2354d51c-1e71-11f1-8ca2-325096b39f47","product_name":"Your Way Plus Home Loan","product_label":"Your Way Plus Home Loan","product_url":"https://australianmutual.bank/loans/home-loans/your-way-plus-owner-occupier-home-loan/","terms_url":"https://australianmutual.bank/loans/home-loans/your-way-owner-occupier-home-loan/","record_stale":false,"record_correction":"no establishment fee on Your Way Plus: the bank's page says \"Establishment fee $0 (Usually $600)\" (checked 2026-11-13)","rate_kind":"variable","lending_rate_type":"VARIABLE","fixed_months":null,"kind":"variable","purpose":"owner_occupied","repayment":"principal_and_interest","rate":0.0709,"rate_pct":7.09,"comparison_rate":0.0738,"comparison_rate_pct":7.38,"lvr_min":80.1,"lvr_max":90.0,"lvr_source":"tier","loan_min":150000.0,"loan_max":null,"interest_in_advance":false,"offset":true,"redraw":true,"annual_fee":300.0,"upfront_fees":0,"exit_fees":250.0,"revert_rate":null,"revert_rate_basis":null,"comparison_check":{"ok":true,"ours_at_150k":7.35,"bank":7.38},"restrictions":["restricted_membership"],"eligibility":{"restricted":true,"who":"Australian education sector employees (current or retired) and their families","quote":"Membership is open to current or retired employees of the Australian education sector or family members of members (i.e. shareholders) of the Bank.","source_url":"https://ob.tmbl.com.au/ambank/cds-au/v1/banking/products/2354d51c-1e71-11f1-8ca2-325096b39f47"},"ranked":true,"conditions":["no establishment fee on Your Way Plus: the bank's page says \"Establishment fee $0 (Usually $600)\" (checked 2026-11-13)","restricted membership: Australian education sector employees (current or retired) and their families","Rates are for new business only (per the bank's terms on 2026-11-01; that sentence could not be found in them today, so check the bank's page)","$600 establishment fee is waived on Your Way Plus (data shows $600)"],"additional_info":"Comparison rates quoted are based on $150,000 for a term of 25 years. Rates apply to secured loans only. 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","source_url":"https://ob.tmbl.com.au/ambank/cds-au/v1/banking/products/2354d51c-1e71-11f1-8ca2-325096b39f47","source_snapshot":"/au/finance/home-loans/v1/source/australian-mutual-bank-ltd/2354d51c-1e71-11f1-8ca2-325096b39f47.json","bank_last_updated":"2026-11-11T01:40:49.000+11:00"},
    {"brand":"Australian Mutual Bank LTD","brand_label":"Australian Mutual Bank","brand_slug":"australian-mutual-bank-ltd","legal_entity_abn":"30087650459","product_id":"2354d51c-1e71-11f1-8ca2-325096b39f47","product_name":"Your Way Plus Home Loan","product_label":"Your Way Plus Home Loan","product_url":"https://australianmutual.bank/loans/home-loans/your-way-plus-owner-occupier-home-loan/","terms_url":"https://australianmutual.bank/loans/home-loans/your-way-owner-occupier-home-loan/","record_stale":false,"record_correction":"no establishment fee on Your Way Plus: the bank's page says \"Establishment fee $0 (Usually $600)\" (checked 2026-11-13)","rate_kind":"variable","lending_rate_type":"VARIABLE","fixed_months":null,"kind":"variable","purpose":"owner_occupied","repayment":"principal_and_interest","rate":0.0744,"rate_pct":7.44,"comparison_rate":0.0773,"comparison_rate_pct":7.73,"lvr_min":90.1,"lvr_max":98.0,"lvr_source":"tier","loan_min":150000.0,"loan_max":null,"interest_in_advance":false,"offset":true,"redraw":true,"annual_fee":300.0,"upfront_fees":0,"exit_fees":250.0,"revert_rate":null,"revert_rate_basis":null,"comparison_check":{"ok":true,"ours_at_150k":7.7,"bank":7.73},"restrictions":["restricted_membership"],"eligibility":{"restricted":true,"who":"Australian education sector employees (current or retired) and their families","quote":"Membership is open to current or retired employees of the Australian education sector or family members of members (i.e. shareholders) of the Bank.","source_url":"https://ob.tmbl.com.au/ambank/cds-au/v1/banking/products/2354d51c-1e71-11f1-8ca2-325096b39f47"},"ranked":true,"conditions":["no establishment fee on Your Way Plus: the bank's page says \"Establishment fee $0 (Usually $600)\" (checked 2026-11-13)","restricted membership: Australian education sector employees (current or retired) and their families","Rates are for new business only (per the bank's terms on 2026-11-01; that sentence could not be found in them today, so check the bank's page)","$600 establishment fee is waived on Your Way Plus (data shows $600)"],"additional_info":"Comparison rates quoted are based on $150,000 for a term of 25 years. Rates apply to secured loans only. 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","source_url":"https://ob.tmbl.com.au/ambank/cds-au/v1/banking/products/2354d51c-1e71-11f1-8ca2-325096b39f47","source_snapshot":"/au/finance/home-loans/v1/source/australian-mutual-bank-ltd/2354d51c-1e71-11f1-8ca2-325096b39f47.json","bank_last_updated":"2026-11-11T01:40:49.000+11:00"},
    {"brand":"Australian Mutual Bank LTD","brand_label":"Australian Mutual Bank","brand_slug":"australian-mutual-bank-ltd","legal_entity_abn":"30087650459","product_id":"387dc7e6-1e71-11f1-835b-325096b39f47","product_name":"Your Way Plus Home Loan Investor","product_label":"Your Way Plus Home Loan Investor","product_url":"https://australianmutual.bank/loans/home-loans/your-way-plus-investor-home-loan","terms_url":"https://australianmutual.bank/loans/home-loans#Text-db1b2-Buy_an_investment_property","record_stale":false,"record_correction":"no establishment fee on Your Way Plus: the bank's page says \"Establishment fee $0 (Usually $600)\" (checked 2026-11-13)","rate_kind":"variable","lending_rate_type":"VARIABLE","fixed_months":null,"kind":"variable","purpose":"investment","repayment":"principal_and_interest","rate":0.0664,"rate_pct":6.64,"comparison_rate":0.0694,"comparison_rate_pct":6.94,"lvr_min":0.1,"lvr_max":60.0,"lvr_source":"tier","loan_min":150000.0,"loan_max":null,"interest_in_advance":false,"offset":true,"redraw":true,"annual_fee":300.0,"upfront_fees":0,"exit_fees":250.0,"revert_rate":null,"revert_rate_basis":null,"comparison_check":{"ok":true,"ours_at_150k":6.91,"bank":6.94},"restrictions":["restricted_membership"],"eligibility":{"restricted":true,"who":"Australian education sector employees (current or retired) and their families","quote":"Membership is open to current or retired employees of the Australian education sector or family members of members (i.e. shareholders) of the Bank.","source_url":"https://ob.tmbl.com.au/ambank/cds-au/v1/banking/products/387dc7e6-1e71-11f1-835b-325096b39f47"},"ranked":true,"conditions":["no establishment fee on Your Way Plus: the bank's page says \"Establishment fee $0 (Usually $600)\" (checked 2026-11-13)","restricted membership: Australian education sector employees (current or retired) and their families","Rates are for new business only (per the bank's terms on 2026-11-01; that sentence could not be found in them today, so check the bank's page)","$600 establishment fee is waived on Your Way Plus (data shows $600)"],"additional_info":"Comparison rates quoted are based on $150,000 for a term of 25 years. Rates apply to secured loans only. 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","source_url":"https://ob.tmbl.com.au/ambank/cds-au/v1/banking/products/387dc7e6-1e71-11f1-835b-325096b39f47","source_snapshot":"/au/finance/home-loans/v1/source/australian-mutual-bank-ltd/387dc7e6-1e71-11f1-835b-325096b39f47.json","bank_last_updated":"2026-11-11T01:20:23.000+11:00"},
    {"brand":"Australian Mutual Bank LTD","brand_label":"Australian Mutual Bank","brand_slug":"australian-mutual-bank-ltd","legal_entity_abn":"30087650459","product_id":"387dc7e6-1e71-11f1-835b-325096b39f47","product_name":"Your Way Plus Home Loan Investor","product_label":"Your Way Plus Home Loan Investor","product_url":"https://australianmutual.bank/loans/home-loans/your-way-plus-investor-home-loan","terms_url":"https://australianmutual.bank/loans/home-loans#Text-db1b2-Buy_an_investment_property","record_stale":false,"record_correction":"no establishment fee on Your Way Plus: the bank's page says \"Establishment fee $0 (Usually $600)\" (checked 2026-11-13)","rate_kind":"variable","lending_rate_type":"VARIABLE","fixed_months":null,"kind":"variable","purpose":"investment","repayment":"principal_and_interest","rate":0.0669,"rate_pct":6.69,"comparison_rate":0.0698,"comparison_rate_pct":6.98,"lvr_min":60.1,"lvr_max":70.0,"lvr_source":"tier","loan_min":150000.0,"loan_max":null,"interest_in_advance":false,"offset":true,"redraw":true,"annual_fee":300.0,"upfront_fees":0,"exit_fees":250.0,"revert_rate":null,"revert_rate_basis":null,"comparison_check":{"ok":true,"ours_at_150k":6.96,"bank":6.98},"restrictions":["restricted_membership"],"eligibility":{"restricted":true,"who":"Australian education sector employees (current or retired) and their families","quote":"Membership is open to current or retired employees of the Australian education sector or family members of members (i.e. shareholders) of the Bank.","source_url":"https://ob.tmbl.com.au/ambank/cds-au/v1/banking/products/387dc7e6-1e71-11f1-835b-325096b39f47"},"ranked":true,"conditions":["no establishment fee on Your Way Plus: the bank's page says \"Establishment fee $0 (Usually $600)\" (checked 2026-11-13)","restricted membership: Australian education sector employees (current or retired) and their families","Rates are for new business only (per the bank's terms on 2026-11-01; that sentence could not be found in them today, so check the bank's page)","$600 establishment fee is waived on Your Way Plus (data shows $600)"],"additional_info":"Comparison rates quoted are based on $150,000 for a term of 25 years. Rates apply to secured loans only. 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","source_url":"https://ob.tmbl.com.au/ambank/cds-au/v1/banking/products/387dc7e6-1e71-11f1-835b-325096b39f47","source_snapshot":"/au/finance/home-loans/v1/source/australian-mutual-bank-ltd/387dc7e6-1e71-11f1-835b-325096b39f47.json","bank_last_updated":"2026-11-11T01:20:23.000+11:00"},
    {"brand":"Australian Mutual Bank LTD","brand_label":"Australian Mutual Bank","brand_slug":"australian-mutual-bank-ltd","legal_entity_abn":"30087650459","product_id":"387dc7e6-1e71-11f1-835b-325096b39f47","product_name":"Your Way Plus Home Loan Investor","product_label":"Your Way Plus Home Loan Investor","product_url":"https://australianmutual.bank/loans/home-loans/your-way-plus-investor-home-loan","terms_url":"https://australianmutual.bank/loans/home-loans#Text-db1b2-Buy_an_investment_property","record_stale":false,"record_correction":"no establishment fee on Your Way Plus: the bank's page says \"Establishment fee $0 (Usually $600)\" (checked 2026-11-13)","rate_kind":"variable","lending_rate_type":"VARIABLE","fixed_months":null,"kind":"variable","purpose":"investment","repayment":"principal_and_interest","rate":0.0674,"rate_pct":6.74,"comparison_rate":0.0703,"comparison_rate_pct":7.03,"lvr_min":70.0,"lvr_max":80.0,"lvr_source":"tier","loan_min":150000.0,"loan_max":null,"interest_in_advance":false,"offset":true,"redraw":true,"annual_fee":300.0,"upfront_fees":0,"exit_fees":250.0,"revert_rate":null,"revert_rate_basis":null,"comparison_check":{"ok":true,"ours_at_150k":7.01,"bank":7.03},"restrictions":["restricted_membership"],"eligibility":{"restricted":true,"who":"Australian education sector employees (current or retired) and their families","quote":"Membership is open to current or retired employees of the Australian education sector or family members of members (i.e. shareholders) of the Bank.","source_url":"https://ob.tmbl.com.au/ambank/cds-au/v1/banking/products/387dc7e6-1e71-11f1-835b-325096b39f47"},"ranked":true,"conditions":["no establishment fee on Your Way Plus: the bank's page says \"Establishment fee $0 (Usually $600)\" (checked 2026-11-13)","restricted membership: Australian education sector employees (current or retired) and their families","Rates are for new business only (per the bank's terms on 2026-11-01; that sentence could not be found in them today, so check the bank's page)","$600 establishment fee is waived on Your Way Plus (data shows $600)"],"additional_info":"Comparison rates quoted are based on $150,000 for a term of 25 years. Rates apply to secured loans only. 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","source_url":"https://ob.tmbl.com.au/ambank/cds-au/v1/banking/products/387dc7e6-1e71-11f1-835b-325096b39f47","source_snapshot":"/au/finance/home-loans/v1/source/australian-mutual-bank-ltd/387dc7e6-1e71-11f1-835b-325096b39f47.json","bank_last_updated":"2026-11-11T01:20:23.000+11:00"},
    {"brand":"Australian Mutual Bank LTD","brand_label":"Australian Mutual Bank","brand_slug":"australian-mutual-bank-ltd","legal_entity_abn":"30087650459","product_id":"387dc7e6-1e71-11f1-835b-325096b39f47","product_name":"Your Way Plus Home Loan Investor","product_label":"Your Way Plus Home Loan Investor","product_url":"https://australianmutual.bank/loans/home-loans/your-way-plus-investor-home-loan","terms_url":"https://australianmutual.bank/loans/home-loans#Text-db1b2-Buy_an_investment_property","record_stale":false,"record_correction":"no establishment fee on Your Way Plus: the bank's page says \"Establishment fee $0 (Usually $600)\" (checked 2026-11-13)","rate_kind":"variable","lending_rate_type":"VARIABLE","fixed_months":null,"kind":"variable","purpose":"investment","repayment":"principal_and_interest","rate":0.0724,"rate_pct":7.24,"comparison_rate":0.0753,"comparison_rate_pct":7.53,"lvr_min":80.1,"lvr_max":90.0,"lvr_source":"tier","loan_min":150000.0,"loan_max":null,"interest_in_advance":false,"offset":true,"redraw":true,"annual_fee":300.0,"upfront_fees":0,"exit_fees":250.0,"revert_rate":null,"revert_rate_basis":null,"comparison_check":{"ok":true,"ours_at_150k":7.5,"bank":7.53},"restrictions":["restricted_membership"],"eligibility":{"restricted":true,"who":"Australian education sector employees (current or retired) and their families","quote":"Membership is open to current or retired employees of the Australian education sector or family members of members (i.e. shareholders) of the Bank.","source_url":"https://ob.tmbl.com.au/ambank/cds-au/v1/banking/products/387dc7e6-1e71-11f1-835b-325096b39f47"},"ranked":true,"conditions":["no establishment fee on Your Way Plus: the bank's page says \"Establishment fee $0 (Usually $600)\" (checked 2026-11-13)","restricted membership: Australian education sector employees (current or retired) and their families","Rates are for new business only (per the bank's terms on 2026-11-01; that sentence could not be found in them today, so check the bank's page)","$600 establishment fee is waived on Your Way Plus (data shows $600)"],"additional_info":"Comparison rates quoted are based on $150,000 for a term of 25 years. Rates apply to secured loans only. 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","source_url":"https://ob.tmbl.com.au/ambank/cds-au/v1/banking/products/387dc7e6-1e71-11f1-835b-325096b39f47","source_snapshot":"/au/finance/home-loans/v1/source/australian-mutual-bank-ltd/387dc7e6-1e71-11f1-835b-325096b39f47.json","bank_last_updated":"2026-11-11T01:20:23.000+11:00"},
    {"brand":"Australian Mutual Bank LTD","brand_label":"Australian Mutual Bank","brand_slug":"australian-mutual-bank-ltd","legal_entity_abn":"30087650459","product_id":"387dc7e6-1e71-11f1-835b-325096b39f47","product_name":"Your Way Plus Home Loan Investor","product_label":"Your Way Plus Home Loan Investor","product_url":"https://australianmutual.bank/loans/home-loans/your-way-plus-investor-home-loan","terms_url":"https://australianmutual.bank/loans/home-loans#Text-db1b2-Buy_an_investment_property","record_stale":false,"record_correction":"no establishment fee on Your Way Plus: the bank's page says \"Establishment fee $0 (Usually $600)\" (checked 2026-11-13)","rate_kind":"variable","lending_rate_type":"VARIABLE","fixed_months":null,"kind":"variable","purpose":"investment","repayment":"principal_and_interest","rate":0.0759,"rate_pct":7.59,"comparison_rate":0.0788,"comparison_rate_pct":7.88,"lvr_min":90.1,"lvr_max":98.0,"lvr_source":"tier","loan_min":150000.0,"loan_max":null,"interest_in_advance":false,"offset":true,"redraw":true,"annual_fee":300.0,"upfront_fees":0,"exit_fees":250.0,"revert_rate":null,"revert_rate_basis":null,"comparison_check":{"ok":true,"ours_at_150k":7.85,"bank":7.88},"restrictions":["restricted_membership"],"eligibility":{"restricted":true,"who":"Australian education sector employees (current or retired) and their families","quote":"Membership is open to current or retired employees of the Australian education sector or family members of members (i.e. shareholders) of the Bank.","source_url":"https://ob.tmbl.com.au/ambank/cds-au/v1/banking/products/387dc7e6-1e71-11f1-835b-325096b39f47"},"ranked":true,"conditions":["no establishment fee on Your Way Plus: the bank's page says \"Establishment fee $0 (Usually $600)\" (checked 2026-11-13)","restricted membership: Australian education sector employees (current or retired) and their families","Rates are for new business only (per the bank's terms on 2026-11-01; that sentence could not be found in them today, so check the bank's page)","$600 establishment fee is waived on Your Way Plus (data shows $600)"],"additional_info":"Comparison rates quoted are based on $150,000 for a term of 25 years. Rates apply to secured loans only. 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","source_url":"https://ob.tmbl.com.au/ambank/cds-au/v1/banking/products/387dc7e6-1e71-11f1-835b-325096b39f47","source_snapshot":"/au/finance/home-loans/v1/source/australian-mutual-bank-ltd/387dc7e6-1e71-11f1-835b-325096b39f47.json","bank_last_updated":"2026-11-11T01:20:23.000+11:00"},
    {"brand":"Australian Mutual Bank LTD","brand_label":"Australian Mutual Bank","brand_slug":"australian-mutual-bank-ltd","legal_entity_abn":"30087650459","product_id":"2dc3bfb8-1e71-11f1-90d0-325096b39f47","product_name":"Your Way Plus Interest Only Home Loan","product_label":"Your Way Plus Interest Only Home Loan","product_url":"https://australianmutual.bank/loans/home-loans/your-way-plus-owner-occupier-home-loan/","terms_url":"https://australianmutual.bank/loans/home-loans/your-way-plus-owner-occupier-home-loan/","record_stale":false,"record_correction":"no establishment fee on Your Way Plus: the bank's page says \"Establishment fee $0 (Usually $600)\" (checked 2026-11-13)","rate_kind":"variable","lending_rate_type":"VARIABLE","fixed_months":null,"kind":"variable","purpose":"owner_occupied","repayment":"interest_only","rate":0.0674,"rate_pct":6.74,"comparison_rate":0.0685,"comparison_rate_pct":6.85,"lvr_min":0.1,"lvr_max":60.0,"lvr_source":"tier","loan_min":150000.0,"loan_max":null,"interest_in_advance":false,"offset":true,"redraw":true,"annual_fee":300.0,"upfront_fees":0,"exit_fees":250.0,"revert_rate":null,"revert_rate_basis":null,"comparison_check":{"ok":false,"ours_at_150k":7.01,"bank":6.85,"reason":"more than 0.05 points from the bank's"},"restrictions":["restricted_membership"],"eligibility":{"restricted":true,"who":"Australian education sector employees (current or retired) and their families","quote":"Membership is open to current or retired employees of the Australian education sector or family members of members (i.e. shareholders) of the Bank.","source_url":"https://ob.tmbl.com.au/ambank/cds-au/v1/banking/products/2dc3bfb8-1e71-11f1-90d0-325096b39f47"},"ranked":true,"conditions":["no establishment fee on Your Way Plus: the bank's page says \"Establishment fee $0 (Usually $600)\" (checked 2026-11-13)","restricted membership: Australian education sector employees (current or retired) and their families","Rates are for new business only (per the bank's terms on 2026-11-01; that sentence could not be found in them today, so check the bank's page)","$600 establishment fee is waived on Your Way Plus (data shows $600)"],"additional_info":"Comparison rates quoted are based on $150,000 for a term of 25 years. Rates apply to secured loans only. 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","source_url":"https://ob.tmbl.com.au/ambank/cds-au/v1/banking/products/2dc3bfb8-1e71-11f1-90d0-325096b39f47","source_snapshot":"/au/finance/home-loans/v1/source/australian-mutual-bank-ltd/2dc3bfb8-1e71-11f1-90d0-325096b39f47.json","bank_last_updated":"2026-11-11T01:40:49.000+11:00"},
    {"brand":"Australian Mutual Bank LTD","brand_label":"Australian Mutual Bank","brand_slug":"australian-mutual-bank-ltd","legal_entity_abn":"30087650459","product_id":"2dc3bfb8-1e71-11f1-90d0-325096b39f47","product_name":"Your Way Plus Interest Only Home Loan","product_label":"Your Way Plus Interest Only Home Loan","product_url":"https://australianmutual.bank/loans/home-loans/your-way-plus-owner-occupier-home-loan/","terms_url":"https://australianmutual.bank/loans/home-loans/your-way-plus-owner-occupier-home-loan/","record_stale":false,"record_correction":"no establishment fee on Your Way Plus: the bank's page says \"Establishment fee $0 (Usually $600)\" (checked 2026-11-13)","rate_kind":"variable","lending_rate_type":"VARIABLE","fixed_months":null,"kind":"variable","purpose":"owner_occupied","repayment":"interest_only","rate":0.0694,"rate_pct":6.94,"comparison_rate":0.0699,"comparison_rate_pct":6.99,"lvr_min":60.1,"lvr_max":70.0,"lvr_source":"tier","loan_min":150000.0,"loan_max":null,"interest_in_advance":false,"offset":true,"redraw":true,"annual_fee":300.0,"upfront_fees":0,"exit_fees":250.0,"revert_rate":null,"revert_rate_basis":null,"comparison_check":{"ok":false,"ours_at_150k":7.2,"bank":6.99,"reason":"more than 0.05 points from the bank's"},"restrictions":["restricted_membership"],"eligibility":{"restricted":true,"who":"Australian education sector employees (current or retired) and their families","quote":"Membership is open to current or retired employees of the Australian education sector or family members of members (i.e. shareholders) of the Bank.","source_url":"https://ob.tmbl.com.au/ambank/cds-au/v1/banking/products/2dc3bfb8-1e71-11f1-90d0-325096b39f47"},"ranked":true,"conditions":["no establishment fee on Your Way Plus: the bank's page says \"Establishment fee $0 (Usually $600)\" (checked 2026-11-13)","restricted membership: Australian education sector employees (current or retired) and their families","Rates are for new business only (per the bank's terms on 2026-11-01; that sentence could not be found in them today, so check the bank's page)","$600 establishment fee is waived on Your Way Plus (data shows $600)"],"additional_info":"Comparison rates quoted are based on $150,000 for a term of 25 years. Rates apply to secured loans only. 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","source_url":"https://ob.tmbl.com.au/ambank/cds-au/v1/banking/products/2dc3bfb8-1e71-11f1-90d0-325096b39f47","source_snapshot":"/au/finance/home-loans/v1/source/australian-mutual-bank-ltd/2dc3bfb8-1e71-11f1-90d0-325096b39f47.json","bank_last_updated":"2026-11-11T01:40:49.000+11:00"},
    {"brand":"Australian Mutual Bank LTD","brand_label":"Australian Mutual Bank","brand_slug":"australian-mutual-bank-ltd","legal_entity_abn":"30087650459","product_id":"2dc3bfb8-1e71-11f1-90d0-325096b39f47","product_name":"Your Way Plus Interest Only Home Loan","product_label":"Your Way Plus Interest Only Home Loan","product_url":"https://australianmutual.bank/loans/home-loans/your-way-plus-owner-occupier-home-loan/","terms_url":"https://australianmutual.bank/loans/home-loans/your-way-plus-owner-occupier-home-loan/","record_stale":false,"record_correction":"no establishment fee on Your Way Plus: the bank's page says \"Establishment fee $0 (Usually $600)\" (checked 2026-11-13)","rate_kind":"variable","lending_rate_type":"VARIABLE","fixed_months":null,"kind":"variable","purpose":"owner_occupied","repayment":"interest_only","rate":0.0704,"rate_pct":7.04,"comparison_rate":0.0706,"comparison_rate_pct":7.06,"lvr_min":70.0,"lvr_max":80.0,"lvr_source":"tier","loan_min":150000.0,"loan_max":null,"interest_in_advance":false,"offset":true,"redraw":true,"annual_fee":300.0,"upfront_fees":0,"exit_fees":250.0,"revert_rate":null,"revert_rate_basis":null,"comparison_check":{"ok":false,"ours_at_150k":7.3,"bank":7.06,"reason":"more than 0.05 points from the bank's"},"restrictions":["restricted_membership"],"eligibility":{"restricted":true,"who":"Australian education sector employees (current or retired) and their families","quote":"Membership is open to current or retired employees of the Australian education sector or family members of members (i.e. shareholders) of the Bank.","source_url":"https://ob.tmbl.com.au/ambank/cds-au/v1/banking/products/2dc3bfb8-1e71-11f1-90d0-325096b39f47"},"ranked":true,"conditions":["no establishment fee on Your Way Plus: the bank's page says \"Establishment fee $0 (Usually $600)\" (checked 2026-11-13)","restricted membership: Australian education sector employees (current or retired) and their families","Rates are for new business only (per the bank's terms on 2026-11-01; that sentence could not be found in them today, so check the bank's page)","$600 establishment fee is waived on Your Way Plus (data shows $600)"],"additional_info":"Comparison rates quoted are based on $150,000 for a term of 25 years. Rates apply to secured loans only. 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","source_url":"https://ob.tmbl.com.au/ambank/cds-au/v1/banking/products/2dc3bfb8-1e71-11f1-90d0-325096b39f47","source_snapshot":"/au/finance/home-loans/v1/source/australian-mutual-bank-ltd/2dc3bfb8-1e71-11f1-90d0-325096b39f47.json","bank_last_updated":"2026-11-11T01:40:49.000+11:00"},
    {"brand":"Australian Mutual Bank LTD","brand_label":"Australian Mutual Bank","brand_slug":"australian-mutual-bank-ltd","legal_entity_abn":"30087650459","product_id":"2dc3bfb8-1e71-11f1-90d0-325096b39f47","product_name":"Your Way Plus Interest Only Home Loan","product_label":"Your Way Plus Interest Only Home Loan","product_url":"https://australianmutual.bank/loans/home-loans/your-way-plus-owner-occupier-home-loan/","terms_url":"https://australianmutual.bank/loans/home-loans/your-way-plus-owner-occupier-home-loan/","record_stale":false,"record_correction":"no establishment fee on Your Way Plus: the bank's page says \"Establishment fee $0 (Usually $600)\" (checked 2026-11-13)","rate_kind":"variable","lending_rate_type":"VARIABLE","fixed_months":null,"kind":"variable","purpose":"owner_occupied","repayment":"interest_only","rate":0.0734,"rate_pct":7.34,"comparison_rate":0.0747,"comparison_rate_pct":7.47,"lvr_min":80.1,"lvr_max":90.0,"lvr_source":"tier","loan_min":150000.0,"loan_max":null,"interest_in_advance":false,"offset":true,"redraw":true,"annual_fee":300.0,"upfront_fees":0,"exit_fees":250.0,"revert_rate":null,"revert_rate_basis":null,"comparison_check":{"ok":false,"ours_at_150k":7.6,"bank":7.47,"reason":"more than 0.05 points from the bank's"},"restrictions":["restricted_membership"],"eligibility":{"restricted":true,"who":"Australian education sector employees (current or retired) and their families","quote":"Membership is open to current or retired employees of the Australian education sector or family members of members (i.e. shareholders) of the Bank.","source_url":"https://ob.tmbl.com.au/ambank/cds-au/v1/banking/products/2dc3bfb8-1e71-11f1-90d0-325096b39f47"},"ranked":true,"conditions":["no establishment fee on Your Way Plus: the bank's page says \"Establishment fee $0 (Usually $600)\" (checked 2026-11-13)","restricted membership: Australian education sector employees (current or retired) and their families","Rates are for new business only (per the bank's terms on 2026-11-01; that sentence could not be found in them today, so check the bank's page)","$600 establishment fee is waived on Your Way Plus (data shows $600)"],"additional_info":"Comparison rates quoted are based on $150,000 for a term of 25 years. Rates apply to secured loans only. 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","source_url":"https://ob.tmbl.com.au/ambank/cds-au/v1/banking/products/2dc3bfb8-1e71-11f1-90d0-325096b39f47","source_snapshot":"/au/finance/home-loans/v1/source/australian-mutual-bank-ltd/2dc3bfb8-1e71-11f1-90d0-325096b39f47.json","bank_last_updated":"2026-11-11T01:40:49.000+11:00"},
    {"brand":"Australian Mutual Bank LTD","brand_label":"Australian Mutual Bank","brand_slug":"australian-mutual-bank-ltd","legal_entity_abn":"30087650459","product_id":"2dc3bfb8-1e71-11f1-90d0-325096b39f47","product_name":"Your Way Plus Interest Only Home Loan","product_label":"Your Way Plus Interest Only Home Loan","product_url":"https://australianmutual.bank/loans/home-loans/your-way-plus-owner-occupier-home-loan/","terms_url":"https://australianmutual.bank/loans/home-loans/your-way-plus-owner-occupier-home-loan/","record_stale":false,"record_correction":"no establishment fee on Your Way Plus: the bank's page says \"Establishment fee $0 (Usually $600)\" (checked 2026-11-13)","rate_kind":"variable","lending_rate_type":"VARIABLE","fixed_months":null,"kind":"variable","purpose":"owner_occupied","repayment":"interest_only","rate":0.0769,"rate_pct":7.69,"comparison_rate":0.0782,"comparison_rate_pct":7.82,"lvr_min":90.1,"lvr_max":98.0,"lvr_source":"tier","loan_min":150000.0,"loan_max":null,"interest_in_advance":false,"offset":true,"redraw":true,"annual_fee":300.0,"upfront_fees":0,"exit_fees":250.0,"revert_rate":null,"revert_rate_basis":null,"comparison_check":{"ok":false,"ours_at_150k":7.95,"bank":7.82,"reason":"more than 0.05 points from the bank's"},"restrictions":["restricted_membership"],"eligibility":{"restricted":true,"who":"Australian education sector employees (current or retired) and their families","quote":"Membership is open to current or retired employees of the Australian education sector or family members of members (i.e. shareholders) of the Bank.","source_url":"https://ob.tmbl.com.au/ambank/cds-au/v1/banking/products/2dc3bfb8-1e71-11f1-90d0-325096b39f47"},"ranked":true,"conditions":["no establishment fee on Your Way Plus: the bank's page says \"Establishment fee $0 (Usually $600)\" (checked 2026-11-13)","restricted membership: Australian education sector employees (current or retired) and their families","Rates are for new business only (per the bank's terms on 2026-11-01; that sentence could not be found in them today, so check the bank's page)","$600 establishment fee is waived on Your Way Plus (data shows $600)"],"additional_info":"Comparison rates quoted are based on $150,000 for a term of 25 years. Rates apply to secured loans only. 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","source_url":"https://ob.tmbl.com.au/ambank/cds-au/v1/banking/products/2dc3bfb8-1e71-11f1-90d0-325096b39f47","source_snapshot":"/au/finance/home-loans/v1/source/australian-mutual-bank-ltd/2dc3bfb8-1e71-11f1-90d0-325096b39f47.json","bank_last_updated":"2026-11-11T01:40:49.000+11:00"},
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    {"brand":"Australian Mutual Bank LTD","brand_label":"Australian Mutual Bank","brand_slug":"australian-mutual-bank-ltd","legal_entity_abn":"30087650459","product_id":"40a2fd06-1e71-11f1-b394-325096b39f47","product_name":"Your Way Plus Interest Only Home Loan Investor","product_label":"Your Way Plus Interest Only Home Loan Investor","product_url":"https://australianmutual.bank/loans/home-loans/your-way-plus-investor-home-loan","terms_url":"https://australianmutual.bank/loans/home-loans#Text-db1b2-Buy_an_investment_property","record_stale":false,"record_correction":"no establishment fee on Your Way Plus: the bank's page says \"Establishment fee $0 (Usually $600)\" (checked 2026-11-13)","rate_kind":"variable","lending_rate_type":"VARIABLE","fixed_months":null,"kind":"variable","purpose":"investment","repayment":"interest_only","rate":0.0694,"rate_pct":6.94,"comparison_rate":0.0707,"comparison_rate_pct":7.07,"lvr_min":60.1,"lvr_max":70.0,"lvr_source":"tier","loan_min":150000.0,"loan_max":null,"interest_in_advance":false,"offset":true,"redraw":true,"annual_fee":300.0,"upfront_fees":0,"exit_fees":250.0,"revert_rate":null,"revert_rate_basis":null,"comparison_check":{"ok":false,"ours_at_150k":7.2,"bank":7.07,"reason":"more than 0.05 points from the bank's"},"restrictions":["restricted_membership"],"eligibility":{"restricted":true,"who":"Australian education sector employees (current or retired) and their families","quote":"Membership is open to current or retired employees of the Australian education sector or family members of members (i.e. shareholders) of the Bank.","source_url":"https://ob.tmbl.com.au/ambank/cds-au/v1/banking/products/40a2fd06-1e71-11f1-b394-325096b39f47"},"ranked":true,"conditions":["no establishment fee on Your Way Plus: the bank's page says \"Establishment fee $0 (Usually $600)\" (checked 2026-11-13)","restricted membership: Australian education sector employees (current or retired) and their families","Rates are for new business only (per the bank's terms on 2026-11-01; that sentence could not be found in them today, so check the bank's page)","$600 establishment fee is waived on Your Way Plus (data shows $600)"],"additional_info":"Comparison rates quoted are based on $150,000 for a term of 25 years. Rates apply to secured loans only. 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","source_url":"https://ob.tmbl.com.au/ambank/cds-au/v1/banking/products/40a2fd06-1e71-11f1-b394-325096b39f47","source_snapshot":"/au/finance/home-loans/v1/source/australian-mutual-bank-ltd/40a2fd06-1e71-11f1-b394-325096b39f47.json","bank_last_updated":"2026-11-11T01:20:23.000+11:00"},
    {"brand":"Australian Mutual Bank LTD","brand_label":"Australian Mutual Bank","brand_slug":"australian-mutual-bank-ltd","legal_entity_abn":"30087650459","product_id":"40a2fd06-1e71-11f1-b394-325096b39f47","product_name":"Your Way Plus Interest Only Home Loan Investor","product_label":"Your Way Plus Interest Only Home Loan Investor","product_url":"https://australianmutual.bank/loans/home-loans/your-way-plus-investor-home-loan","terms_url":"https://australianmutual.bank/loans/home-loans#Text-db1b2-Buy_an_investment_property","record_stale":false,"record_correction":"no establishment fee on Your Way Plus: the bank's page says \"Establishment fee $0 (Usually $600)\" (checked 2026-11-13)","rate_kind":"variable","lending_rate_type":"VARIABLE","fixed_months":null,"kind":"variable","purpose":"investment","repayment":"interest_only","rate":0.0704,"rate_pct":7.04,"comparison_rate":0.0715,"comparison_rate_pct":7.15,"lvr_min":70.0,"lvr_max":80.0,"lvr_source":"tier","loan_min":150000.0,"loan_max":null,"interest_in_advance":false,"offset":true,"redraw":true,"annual_fee":300.0,"upfront_fees":0,"exit_fees":250.0,"revert_rate":null,"revert_rate_basis":null,"comparison_check":{"ok":false,"ours_at_150k":7.3,"bank":7.15,"reason":"more than 0.05 points from the bank's"},"restrictions":["restricted_membership"],"eligibility":{"restricted":true,"who":"Australian education sector employees (current or retired) and their families","quote":"Membership is open to current or retired employees of the Australian education sector or family members of members (i.e. shareholders) of the Bank.","source_url":"https://ob.tmbl.com.au/ambank/cds-au/v1/banking/products/40a2fd06-1e71-11f1-b394-325096b39f47"},"ranked":true,"conditions":["no establishment fee on Your Way Plus: the bank's page says \"Establishment fee $0 (Usually $600)\" (checked 2026-11-13)","restricted membership: Australian education sector employees (current or retired) and their families","Rates are for new business only (per the bank's terms on 2026-11-01; that sentence could not be found in them today, so check the bank's page)","$600 establishment fee is waived on Your Way Plus (data shows $600)"],"additional_info":"Comparison rates quoted are based on $150,000 for a term of 25 years. Rates apply to secured loans only. 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","source_url":"https://ob.tmbl.com.au/ambank/cds-au/v1/banking/products/40a2fd06-1e71-11f1-b394-325096b39f47","source_snapshot":"/au/finance/home-loans/v1/source/australian-mutual-bank-ltd/40a2fd06-1e71-11f1-b394-325096b39f47.json","bank_last_updated":"2026-11-11T01:20:23.000+11:00"},
    {"brand":"Australian Mutual Bank LTD","brand_label":"Australian Mutual Bank","brand_slug":"australian-mutual-bank-ltd","legal_entity_abn":"30087650459","product_id":"40a2fd06-1e71-11f1-b394-325096b39f47","product_name":"Your Way Plus Interest Only Home Loan Investor","product_label":"Your Way Plus Interest Only Home Loan Investor","product_url":"https://australianmutual.bank/loans/home-loans/your-way-plus-investor-home-loan","terms_url":"https://australianmutual.bank/loans/home-loans#Text-db1b2-Buy_an_investment_property","record_stale":false,"record_correction":"no establishment fee on Your Way Plus: the bank's page says \"Establishment fee $0 (Usually $600)\" (checked 2026-11-13)","rate_kind":"variable","lending_rate_type":"VARIABLE","fixed_months":null,"kind":"variable","purpose":"investment","repayment":"interest_only","rate":0.0734,"rate_pct":7.34,"comparison_rate":0.0756,"comparison_rate_pct":7.56,"lvr_min":80.1,"lvr_max":90.0,"lvr_source":"tier","loan_min":150000.0,"loan_max":null,"interest_in_advance":false,"offset":true,"redraw":true,"annual_fee":300.0,"upfront_fees":0,"exit_fees":250.0,"revert_rate":null,"revert_rate_basis":null,"comparison_check":{"ok":true,"ours_at_150k":7.6,"bank":7.56},"restrictions":["restricted_membership"],"eligibility":{"restricted":true,"who":"Australian education sector employees (current or retired) and their families","quote":"Membership is open to current or retired employees of the Australian education sector or family members of members (i.e. shareholders) of the Bank.","source_url":"https://ob.tmbl.com.au/ambank/cds-au/v1/banking/products/40a2fd06-1e71-11f1-b394-325096b39f47"},"ranked":true,"conditions":["no establishment fee on Your Way Plus: the bank's page says \"Establishment fee $0 (Usually $600)\" (checked 2026-11-13)","restricted membership: Australian education sector employees (current or retired) and their families","Rates are for new business only (per the bank's terms on 2026-11-01; that sentence could not be found in them today, so check the bank's page)","$600 establishment fee is waived on Your Way Plus (data shows $600)"],"additional_info":"Comparison rates quoted are based on $150,000 for a term of 25 years. Rates apply to secured loans only. 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","source_url":"https://ob.tmbl.com.au/ambank/cds-au/v1/banking/products/40a2fd06-1e71-11f1-b394-325096b39f47","source_snapshot":"/au/finance/home-loans/v1/source/australian-mutual-bank-ltd/40a2fd06-1e71-11f1-b394-325096b39f47.json","bank_last_updated":"2026-11-11T01:20:23.000+11:00"},
    {"brand":"Australian Mutual Bank LTD","brand_label":"Australian Mutual Bank","brand_slug":"australian-mutual-bank-ltd","legal_entity_abn":"30087650459","product_id":"40a2fd06-1e71-11f1-b394-325096b39f47","product_name":"Your Way Plus Interest Only Home Loan Investor","product_label":"Your Way Plus Interest Only Home Loan Investor","product_url":"https://australianmutual.bank/loans/home-loans/your-way-plus-investor-home-loan","terms_url":"https://australianmutual.bank/loans/home-loans#Text-db1b2-Buy_an_investment_property","record_stale":false,"record_correction":"no establishment fee on Your Way Plus: the bank's page says \"Establishment fee $0 (Usually $600)\" (checked 2026-11-13)","rate_kind":"variable","lending_rate_type":"VARIABLE","fixed_months":null,"kind":"variable","purpose":"investment","repayment":"interest_only","rate":0.0769,"rate_pct":7.69,"comparison_rate":0.079,"comparison_rate_pct":7.9,"lvr_min":90.1,"lvr_max":98.0,"lvr_source":"tier","loan_min":150000.0,"loan_max":null,"interest_in_advance":false,"offset":true,"redraw":true,"annual_fee":300.0,"upfront_fees":0,"exit_fees":250.0,"revert_rate":null,"revert_rate_basis":null,"comparison_check":{"ok":true,"ours_at_150k":7.95,"bank":7.9},"restrictions":["restricted_membership"],"eligibility":{"restricted":true,"who":"Australian education sector employees (current or retired) and their families","quote":"Membership is open to current or retired employees of the Australian education sector or family members of members (i.e. shareholders) of the Bank.","source_url":"https://ob.tmbl.com.au/ambank/cds-au/v1/banking/products/40a2fd06-1e71-11f1-b394-325096b39f47"},"ranked":true,"conditions":["no establishment fee on Your Way Plus: the bank's page says \"Establishment fee $0 (Usually $600)\" (checked 2026-11-13)","restricted membership: Australian education sector employees (current or retired) and their families","Rates are for new business only (per the bank's terms on 2026-11-01; that sentence could not be found in them today, so check the bank's page)","$600 establishment fee is waived on Your Way Plus (data shows $600)"],"additional_info":"Comparison rates quoted are based on $150,000 for a term of 25 years. Rates apply to secured loans only. 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","source_url":"https://ob.tmbl.com.au/ambank/cds-au/v1/banking/products/40a2fd06-1e71-11f1-b394-325096b39f47","source_snapshot":"/au/finance/home-loans/v1/source/australian-mutual-bank-ltd/40a2fd06-1e71-11f1-b394-325096b39f47.json","bank_last_updated":"2026-11-11T01:20:23.000+11:00"},
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    {"brand":"BankVic","brand_label":"BankVic","brand_slug":"bankvic","legal_entity_abn":"33087651661","product_id":"L27_Fixed_4Yr_HOO_IC3","product_name":"Fixed Rate Home Loan - 4 years","product_label":"Fixed Rate Home Loan - 4 Years","product_url":"https://www.bankvic.com.au/home-buying/upgrade-refinance","terms_url":"https://cdn.intelligencebank.com/au/share/NZw2/RVzr/yzJw/original/BankVic+Terms+%2526+Conditions","record_stale":true,"record_correction":"set-up fees $600: the bank's page gives \"Set-up fee $300 Standard metro valuation $300\" (checked 2026-11-01); the feed's $600 establishment fee already includes the valuation, which it lists again","rate_kind":"fixed","lending_rate_type":"FIXED","fixed_months":48,"kind":"fixed_4","purpose":"owner_occupied","repayment":"principal_and_interest","rate":0.0679,"rate_pct":6.79,"comparison_rate":0.0656,"comparison_rate_pct":6.56,"lvr_min":null,"lvr_max":null,"lvr_source":null,"loan_min":50000.0,"loan_max":null,"interest_in_advance":false,"offset":false,"redraw":false,"annual_fee":null,"upfront_fees":600,"exit_fees":295.0,"revert_rate":0.0635,"revert_rate_basis":"linked","comparison_check":{"ok":true,"ours_at_150k":6.56,"bank":6.56},"restrictions":["restricted_membership"],"eligibility":{"restricted":true,"who":"police, emergency services, health and government workers and their families","quote":"BankVic’s services are extended to members of the police, health, emergency and public service sectors.","source_url":"https://cdn.intelligencebank.com/au/share/NZw2/RVzr/yzJw/original/BankVic+Terms+%2526+Conditions"},"ranked":true,"conditions":["set-up fees $600: the bank's page gives \"Set-up fee $300 Standard metro valuation $300\" (checked 2026-11-01); the feed's $600 establishment fee already includes the valuation, which it lists again","not updated by the bank since 2026-10-13, before the Reserve Bank's cash rate rise of 4 November 2026; check its page, as the rate may have changed","LVR not stated; ranked at 80% LVR and below only","members only: police, emergency services, health and government workers and their families","Valuation outside metro areas or interstate may cost up to $1,000","Extra repayments while fixed limited to $10,000 a year (non-cumulative); more may incur break costs"],"additional_info":null,"source_url":"https://ib.bankvic.com.au/openbanking/cds-au/v1/banking/products/L27_Fixed_4Yr_HOO_IC3","source_snapshot":"/au/finance/home-loans/v1/source/bankvic/L27_Fixed_4Yr_HOO_IC3.json","bank_last_updated":"2026-10-13T07:50:15.000+11:00"},
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    {"brand":"BankVic","brand_label":"BankVic","brand_slug":"bankvic","legal_entity_abn":"33087651661","product_id":"L7_Fixed_2Yr_IC3","product_name":"Investor Fixed 2 Years","product_label":"Investor Fixed 2 Years","product_url":"https://www.bankvic.com.au/home-buying/investor","terms_url":"https://cdn.intelligencebank.com/au/share/NZw2/RVzr/yzJw/original/BankVic+Terms+%2526+Conditions","record_stale":true,"record_correction":"set-up fees $600: the bank's page gives \"Set-up fee $300 Standard metro valuation $300\" (checked 2026-11-01); the feed's $600 establishment fee already includes the valuation, which it lists again","rate_kind":"fixed","lending_rate_type":"FIXED","fixed_months":24,"kind":"fixed_2","purpose":"investment","repayment":"principal_and_interest","rate":0.0619,"rate_pct":6.19,"comparison_rate":0.0653,"comparison_rate_pct":6.53,"lvr_min":null,"lvr_max":null,"lvr_source":null,"loan_min":20000.0,"loan_max":null,"interest_in_advance":false,"offset":false,"redraw":false,"annual_fee":null,"upfront_fees":600,"exit_fees":295.0,"revert_rate":0.0655,"revert_rate_basis":"linked","comparison_check":{"ok":true,"ours_at_150k":6.53,"bank":6.53},"restrictions":["restricted_membership"],"eligibility":{"restricted":true,"who":"police, emergency services, health and government workers and their families","quote":"BankVic’s services are extended to members of the police, health, emergency and public service sectors.","source_url":"https://cdn.intelligencebank.com/au/share/NZw2/RVzr/yzJw/original/BankVic+Terms+%2526+Conditions"},"ranked":true,"conditions":["set-up fees $600: the bank's page gives \"Set-up fee $300 Standard metro valuation $300\" (checked 2026-11-01); the feed's $600 establishment fee already includes the valuation, which it lists again","not updated by the bank since 2026-10-13, before the Reserve Bank's cash rate rise of 4 November 2026; check its page, as the rate may have changed","LVR not stated; ranked at 80% LVR and below only","members only: police, emergency services, health and government workers and their families","Valuation outside metro areas or interstate may cost up to $1,000","Extra repayments while fixed limited to $10,000 a year (non-cumulative); more may incur break costs"],"additional_info":null,"source_url":"https://ib.bankvic.com.au/openbanking/cds-au/v1/banking/products/L7_Fixed_2Yr_IC3","source_snapshot":"/au/finance/home-loans/v1/source/bankvic/L7_Fixed_2Yr_IC3.json","bank_last_updated":"2026-10-13T07:42:06.000+11:00"},
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    {"brand":"BankVic","brand_label":"BankVic","brand_slug":"bankvic","legal_entity_abn":"33087651661","product_id":"L7_Fixed_1Yr_IO_IC44","product_name":"Investor IO Fixed 1 Year","product_label":"Investor IO Fixed 1 Year","product_url":"https://www.bankvic.com.au/home-buying/investor","terms_url":"https://cdn.intelligencebank.com/au/share/NZw2/RVzr/yzJw/original/BankVic+Terms+%2526+Conditions","record_stale":true,"record_correction":"set-up fees $600: the bank's page gives \"Set-up fee $300 Standard metro valuation $300\" (checked 2026-11-01); the feed's $600 establishment fee already includes the valuation, which it lists again","rate_kind":"variable","lending_rate_type":"VARIABLE","fixed_months":null,"kind":"variable","purpose":"investment","repayment":"principal_and_interest","rate":0.0655,"rate_pct":6.55,"comparison_rate":null,"comparison_rate_pct":null,"lvr_min":null,"lvr_max":null,"lvr_source":null,"loan_min":20000.0,"loan_max":null,"interest_in_advance":false,"offset":false,"redraw":false,"annual_fee":null,"upfront_fees":600,"exit_fees":295.0,"revert_rate":null,"revert_rate_basis":null,"comparison_check":null,"restrictions":["revert_rate","restricted_membership"],"eligibility":{"restricted":true,"who":"police, emergency services, health and government workers and their families","quote":"BankVic’s services are extended to members of the police, health, emergency and public service sectors.","source_url":"https://cdn.intelligencebank.com/au/share/NZw2/RVzr/yzJw/original/BankVic+Terms+%2526+Conditions"},"ranked":false,"conditions":["set-up fees $600: the bank's page gives \"Set-up fee $300 Standard metro valuation $300\" (checked 2026-11-01); the feed's $600 establishment fee already includes the valuation, which it lists again","not updated by the bank since 2026-10-13, before the Reserve Bank's cash rate rise of 4 November 2026; check its page, as the rate may have changed","rate the loan reverts to after its fixed period","LVR not stated; ranked at 80% LVR and below only","members only: police, emergency services, health and government workers and their families","Valuation outside metro areas or interstate may cost up to $1,000","Extra repayments while fixed limited to $10,000 a year (non-cumulative); more may incur break costs"],"additional_info":null,"source_url":"https://ib.bankvic.com.au/openbanking/cds-au/v1/banking/products/L7_Fixed_1Yr_IO_IC44","source_snapshot":"/au/finance/home-loans/v1/source/bankvic/L7_Fixed_1Yr_IO_IC44.json","bank_last_updated":"2026-10-13T07:43:04.000+11:00"},
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    {"brand":"BankVic","brand_label":"BankVic","brand_slug":"bankvic","legal_entity_abn":"33087651661","product_id":"L7_Fixed_5Yr_Inv_IO_IC44","product_name":"Investor IO Fixed 5 Years","product_label":"Investor IO Fixed 5 Years","product_url":"https://www.bankvic.com.au/home-buying/investor","terms_url":"https://cdn.intelligencebank.com/au/share/NZw2/RVzr/yzJw/original/BankVic+Terms+%2526+Conditions","record_stale":true,"record_correction":"set-up fees $600: the bank's page gives \"Set-up fee $300 Standard metro valuation $300\" (checked 2026-11-01); the feed's $600 establishment fee already includes the valuation, which it lists again","rate_kind":"variable","lending_rate_type":"VARIABLE","fixed_months":null,"kind":"variable","purpose":"investment","repayment":"principal_and_interest","rate":0.0655,"rate_pct":6.55,"comparison_rate":null,"comparison_rate_pct":null,"lvr_min":null,"lvr_max":null,"lvr_source":null,"loan_min":20000.0,"loan_max":null,"interest_in_advance":false,"offset":false,"redraw":false,"annual_fee":null,"upfront_fees":600,"exit_fees":295.0,"revert_rate":null,"revert_rate_basis":null,"comparison_check":null,"restrictions":["revert_rate","restricted_membership"],"eligibility":{"restricted":true,"who":"police, emergency services, health and government workers and their families","quote":"BankVic’s services are extended to members of the police, health, emergency and public service sectors.","source_url":"https://cdn.intelligencebank.com/au/share/NZw2/RVzr/yzJw/original/BankVic+Terms+%2526+Conditions"},"ranked":false,"conditions":["set-up fees $600: the bank's page gives \"Set-up fee $300 Standard metro valuation $300\" (checked 2026-11-01); the feed's $600 establishment fee already includes the valuation, which it lists again","not updated by the bank since 2026-10-13, before the Reserve Bank's cash rate rise of 4 November 2026; check its page, as the rate may have changed","rate the loan reverts to after its fixed period","LVR not stated; ranked at 80% LVR and below only","members only: police, emergency services, health and government workers and their families","Valuation outside metro areas or interstate may cost up to $1,000","Extra repayments while fixed limited to $10,000 a year (non-cumulative); more may incur break costs"],"additional_info":null,"source_url":"https://ib.bankvic.com.au/openbanking/cds-au/v1/banking/products/L7_Fixed_5Yr_Inv_IO_IC44","source_snapshot":"/au/finance/home-loans/v1/source/bankvic/L7_Fixed_5Yr_Inv_IO_IC44.json","bank_last_updated":"2026-10-13T07:45:46.000+11:00"},
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    {"brand":"Cairns bank","brand_label":"Cairns Bank","brand_slug":"cairns-bank","legal_entity_abn":"68087933757","product_id":"L21_CLASSIC_IO_60_80","product_name":"CLASSIC HOME LOAN VARIABLE 60-80 LVR IO","product_label":"Classic Home Loan Variable 60-80 Lvr Io","product_url":"https://cairnsbank.com.au/classic-vs-plus/","terms_url":"https://cairnsbank.com.au/information-and-support/disclosure/terms-and-conditions/","record_stale":false,"record_correction":"the bank's feed gives comparison rates about 0.8 points below its website's, so none is shown; fees per its fee schedule: \"Establishment Fee ... (Standard and Classic products) $300.00\", \"Account Keeping Fee $12.00 per month\", \"Discharge Fee $350.00\" (checked 2026-11-10)","rate_kind":"variable","lending_rate_type":"VARIABLE","fixed_months":null,"kind":"variable","purpose":"owner_occupied","repayment":"interest_only","rate":0.0674,"rate_pct":6.74,"comparison_rate":null,"comparison_rate_pct":null,"lvr_min":null,"lvr_max":null,"lvr_source":null,"loan_min":50000.0,"loan_max":2000000.0,"interest_in_advance":false,"offset":false,"redraw":true,"annual_fee":144,"upfront_fees":300,"exit_fees":350,"revert_rate":null,"revert_rate_basis":null,"comparison_check":{"ok":false,"ours_at_150k":6.89,"bank":null,"reason":"no bank comparison rate"},"restrictions":[],"eligibility":null,"ranked":true,"conditions":["the bank's feed gives comparison rates about 0.8 points below its website's, so none is shown; fees per its fee schedule: \"Establishment Fee ... (Standard and Classic products) $300.00\", \"Account Keeping Fee $12.00 per month\", \"Discharge Fee $350.00\" (checked 2026-11-10)","LVR not stated; ranked at 80% LVR and below only","$350 discharge fee for a loan secured on freehold property ($100 otherwise)","$300 establishment fee, plus $300 for each debtor beyond two, guarantor, business entity or owner builder"],"additional_info":"The comparison rate is calculated on the basis of a secured loan of $150,000 over a term of 25 years.","source_url":"https://openbanking.cairnsbank.com.au/OpenBanking/cds-au/v1/banking/products/L21_CLASSIC_IO_60_80","source_snapshot":"/au/finance/home-loans/v1/source/cairns-bank/L21_CLASSIC_IO_60_80.json","bank_last_updated":"2026-11-06T07:40:20.000+10:00"},
    {"brand":"Cairns bank","brand_label":"Cairns Bank","brand_slug":"cairns-bank","legal_entity_abn":"68087933757","product_id":"L21_CLASSIC_PI_60_80","product_name":"CLASSIC HOME LOAN VARIABLE 60-80 LVR PI","product_label":"Classic Home Loan Variable 60-80 Lvr Pi","product_url":"https://cairnsbank.com.au/classic-vs-plus/","terms_url":"https://cairnsbank.com.au/information-and-support/disclosure/terms-and-conditions/","record_stale":false,"record_correction":"the bank's feed gives comparison rates about 0.8 points below its website's, so none is shown; fees per its fee schedule: \"Establishment Fee ... (Standard and Classic products) $300.00\", \"Account Keeping Fee $12.00 per month\", \"Discharge Fee $350.00\" (checked 2026-11-10)","rate_kind":"variable","lending_rate_type":"VARIABLE","fixed_months":null,"kind":"variable","purpose":"owner_occupied","repayment":"principal_and_interest","rate":0.0654,"rate_pct":6.54,"comparison_rate":null,"comparison_rate_pct":null,"lvr_min":null,"lvr_max":null,"lvr_source":null,"loan_min":50000.0,"loan_max":2000000.0,"interest_in_advance":false,"offset":false,"redraw":true,"annual_fee":144,"upfront_fees":300,"exit_fees":350,"revert_rate":null,"revert_rate_basis":null,"comparison_check":{"ok":false,"ours_at_150k":6.69,"bank":null,"reason":"no bank comparison rate"},"restrictions":[],"eligibility":null,"ranked":true,"conditions":["the bank's feed gives comparison rates about 0.8 points below its website's, so none is shown; fees per its fee schedule: \"Establishment Fee ... (Standard and Classic products) $300.00\", \"Account Keeping Fee $12.00 per month\", \"Discharge Fee $350.00\" (checked 2026-11-10)","LVR not stated; ranked at 80% LVR and below only","$350 discharge fee for a loan secured on freehold property ($100 otherwise)","$300 establishment fee, plus $300 for each debtor beyond two, guarantor, business entity or owner builder"],"additional_info":"The comparison rate is calculated on the basis of a secured loan of $150,000 over a term of 25 years.","source_url":"https://openbanking.cairnsbank.com.au/OpenBanking/cds-au/v1/banking/products/L21_CLASSIC_PI_60_80","source_snapshot":"/au/finance/home-loans/v1/source/cairns-bank/L21_CLASSIC_PI_60_80.json","bank_last_updated":"2026-11-06T07:40:20.000+10:00"},
    {"brand":"Cairns bank","brand_label":"Cairns Bank","brand_slug":"cairns-bank","legal_entity_abn":"68087933757","product_id":"L21_CLASSIC_PI_80_90","product_name":"CLASSIC HOME LOAN VARIABLE 80-90 LVR PI","product_label":"Classic Home Loan Variable 80-90 Lvr Pi","product_url":"https://cairnsbank.com.au/classic-vs-plus/","terms_url":"https://cairnsbank.com.au/information-and-support/disclosure/terms-and-conditions/","record_stale":false,"record_correction":"the bank's feed gives comparison rates about 0.8 points below its website's, so none is shown; fees per its fee schedule: \"Establishment Fee ... (Standard and Classic products) $300.00\", \"Account Keeping Fee $12.00 per month\", \"Discharge Fee $350.00\" (checked 2026-11-10)","rate_kind":"variable","lending_rate_type":"VARIABLE","fixed_months":null,"kind":"variable","purpose":"owner_occupied","repayment":"principal_and_interest","rate":0.0674,"rate_pct":6.74,"comparison_rate":null,"comparison_rate_pct":null,"lvr_min":null,"lvr_max":null,"lvr_source":null,"loan_min":50000.0,"loan_max":2000000.0,"interest_in_advance":false,"offset":false,"redraw":true,"annual_fee":144,"upfront_fees":300,"exit_fees":350,"revert_rate":null,"revert_rate_basis":null,"comparison_check":{"ok":false,"ours_at_150k":6.89,"bank":null,"reason":"no bank comparison rate"},"restrictions":[],"eligibility":null,"ranked":true,"conditions":["the bank's feed gives comparison rates about 0.8 points below its website's, so none is shown; fees per its fee schedule: \"Establishment Fee ... (Standard and Classic products) $300.00\", \"Account Keeping Fee $12.00 per month\", \"Discharge Fee $350.00\" (checked 2026-11-10)","LVR not stated; ranked at 80% LVR and below only","$350 discharge fee for a loan secured on freehold property ($100 otherwise)","$300 establishment fee, plus $300 for each debtor beyond two, guarantor, business entity or owner builder"],"additional_info":"The comparison rate is calculated on the basis of a secured loan of $150,000 over a term of 25 years.","source_url":"https://openbanking.cairnsbank.com.au/OpenBanking/cds-au/v1/banking/products/L21_CLASSIC_PI_80_90","source_snapshot":"/au/finance/home-loans/v1/source/cairns-bank/L21_CLASSIC_PI_80_90.json","bank_last_updated":"2026-11-06T07:40:20.000+10:00"},
    {"brand":"Cairns bank","brand_label":"Cairns Bank","brand_slug":"cairns-bank","legal_entity_abn":"68087933757","product_id":"L21_CLASSIC_IO_60","product_name":"CLASSIC HOME LOAN VARIABLE <60 LVR IO","product_label":"Classic Home Loan Variable <60 Lvr Io","product_url":"https://cairnsbank.com.au/classic-vs-plus/","terms_url":"https://cairnsbank.com.au/information-and-support/disclosure/terms-and-conditions/","record_stale":false,"record_correction":"the bank's feed gives comparison rates about 0.8 points below its website's, so none is shown; fees per its fee schedule: \"Establishment Fee ... (Standard and Classic products) $300.00\", \"Account Keeping Fee $12.00 per month\", \"Discharge Fee $350.00\" (checked 2026-11-10)","rate_kind":"variable","lending_rate_type":"VARIABLE","fixed_months":null,"kind":"variable","purpose":"owner_occupied","repayment":"interest_only","rate":0.0669,"rate_pct":6.69,"comparison_rate":null,"comparison_rate_pct":null,"lvr_min":0.0,"lvr_max":60.0,"lvr_source":"text","loan_min":50000.0,"loan_max":2000000.0,"interest_in_advance":false,"offset":false,"redraw":true,"annual_fee":144,"upfront_fees":300,"exit_fees":350,"revert_rate":null,"revert_rate_basis":null,"comparison_check":{"ok":false,"ours_at_150k":6.84,"bank":null,"reason":"no bank comparison rate"},"restrictions":[],"eligibility":null,"ranked":true,"conditions":["the bank's feed gives comparison rates about 0.8 points below its website's, so none is shown; fees per its fee schedule: \"Establishment Fee ... (Standard and Classic products) $300.00\", \"Account Keeping Fee $12.00 per month\", \"Discharge Fee $350.00\" (checked 2026-11-10)","$350 discharge fee for a loan secured on freehold property ($100 otherwise)","$300 establishment fee, plus $300 for each debtor beyond two, guarantor, business entity or owner builder"],"additional_info":"The comparison rate is calculated on the basis of a secured loan of $150,000 over a term of 25 years.","source_url":"https://openbanking.cairnsbank.com.au/OpenBanking/cds-au/v1/banking/products/L21_CLASSIC_IO_60","source_snapshot":"/au/finance/home-loans/v1/source/cairns-bank/L21_CLASSIC_IO_60.json","bank_last_updated":"2026-11-06T07:40:20.000+10:00"},
    {"brand":"Cairns bank","brand_label":"Cairns Bank","brand_slug":"cairns-bank","legal_entity_abn":"68087933757","product_id":"L21_CLASSIC_PI_60","product_name":"CLASSIC HOME LOAN VARIABLE <60 LVR PI","product_label":"Classic Home Loan Variable <60 Lvr Pi","product_url":"https://cairnsbank.com.au/classic-vs-plus/","terms_url":"https://cairnsbank.com.au/information-and-support/disclosure/terms-and-conditions/","record_stale":false,"record_correction":"the bank's feed gives comparison rates about 0.8 points below its website's, so none is shown; fees per its fee schedule: \"Establishment Fee ... (Standard and Classic products) $300.00\", \"Account Keeping Fee $12.00 per month\", \"Discharge Fee $350.00\" (checked 2026-11-10)","rate_kind":"variable","lending_rate_type":"VARIABLE","fixed_months":null,"kind":"variable","purpose":"owner_occupied","repayment":"principal_and_interest","rate":0.0649,"rate_pct":6.49,"comparison_rate":null,"comparison_rate_pct":null,"lvr_min":0.0,"lvr_max":60.0,"lvr_source":"text","loan_min":50000.0,"loan_max":2000000.0,"interest_in_advance":false,"offset":false,"redraw":true,"annual_fee":144,"upfront_fees":300,"exit_fees":350,"revert_rate":null,"revert_rate_basis":null,"comparison_check":{"ok":false,"ours_at_150k":6.64,"bank":null,"reason":"no bank comparison rate"},"restrictions":[],"eligibility":null,"ranked":true,"conditions":["the bank's feed gives comparison rates about 0.8 points below its website's, so none is shown; fees per its fee schedule: \"Establishment Fee ... (Standard and Classic products) $300.00\", \"Account Keeping Fee $12.00 per month\", \"Discharge Fee $350.00\" (checked 2026-11-10)","$350 discharge fee for a loan secured on freehold property ($100 otherwise)","$300 establishment fee, plus $300 for each debtor beyond two, guarantor, business entity or owner builder"],"additional_info":"The comparison rate is calculated on the basis of a secured loan of $150,000 over a term of 25 years.","source_url":"https://openbanking.cairnsbank.com.au/OpenBanking/cds-au/v1/banking/products/L21_CLASSIC_PI_60","source_snapshot":"/au/finance/home-loans/v1/source/cairns-bank/L21_CLASSIC_PI_60.json","bank_last_updated":"2026-11-06T07:40:20.000+10:00"},
    {"brand":"Cairns bank","brand_label":"Cairns Bank","brand_slug":"cairns-bank","legal_entity_abn":"68087933757","product_id":"L21_CLASSIC_IO_80_90","product_name":"CLASSIC HOME LOAN VARIABLE >80-90 LVR IO","product_label":"Classic Home Loan Variable >80-90 Lvr Io","product_url":"https://cairnsbank.com.au/classic-vs-plus/","terms_url":"https://cairnsbank.com.au/information-and-support/disclosure/terms-and-conditions/","record_stale":false,"record_correction":"the bank's feed gives comparison rates about 0.8 points below its website's, so none is shown; fees per its fee schedule: \"Establishment Fee ... (Standard and Classic products) $300.00\", \"Account Keeping Fee $12.00 per month\", \"Discharge Fee $350.00\" (checked 2026-11-10)","rate_kind":"variable","lending_rate_type":"VARIABLE","fixed_months":null,"kind":"variable","purpose":"owner_occupied","repayment":"interest_only","rate":0.0694,"rate_pct":6.94,"comparison_rate":null,"comparison_rate_pct":null,"lvr_min":null,"lvr_max":null,"lvr_source":null,"loan_min":50000.0,"loan_max":2000000.0,"interest_in_advance":false,"offset":false,"redraw":true,"annual_fee":144,"upfront_fees":300,"exit_fees":350,"revert_rate":null,"revert_rate_basis":null,"comparison_check":{"ok":false,"ours_at_150k":7.09,"bank":null,"reason":"no bank comparison rate"},"restrictions":[],"eligibility":null,"ranked":true,"conditions":["the bank's feed gives comparison rates about 0.8 points below its website's, so none is shown; fees per its fee schedule: \"Establishment Fee ... (Standard and Classic products) $300.00\", \"Account Keeping Fee $12.00 per month\", \"Discharge Fee $350.00\" (checked 2026-11-10)","LVR not stated; ranked at 80% LVR and below only","$350 discharge fee for a loan secured on freehold property ($100 otherwise)","$300 establishment fee, plus $300 for each debtor beyond two, guarantor, business entity or owner builder"],"additional_info":"The comparison rate is calculated on the basis of a secured loan of $150,000 over a term of 25 years.","source_url":"https://openbanking.cairnsbank.com.au/OpenBanking/cds-au/v1/banking/products/L21_CLASSIC_IO_80_90","source_snapshot":"/au/finance/home-loans/v1/source/cairns-bank/L21_CLASSIC_IO_80_90.json","bank_last_updated":"2026-11-06T07:40:20.000+10:00"},
    {"brand":"Cairns bank","brand_label":"Cairns Bank","brand_slug":"cairns-bank","legal_entity_abn":"68087933757","product_id":"L21_CLASSIC_IO_90","product_name":"CLASSIC HOME LOAN VARIABLE >90 LVR IO","product_label":"Classic Home Loan Variable >90 Lvr Io","product_url":"https://cairnsbank.com.au/classic-vs-plus/","terms_url":"https://cairnsbank.com.au/information-and-support/disclosure/terms-and-conditions/","record_stale":false,"record_correction":"the bank's feed gives comparison rates about 0.8 points below its website's, so none is shown; fees per its fee schedule: \"Establishment Fee ... (Standard and Classic products) $300.00\", \"Account Keeping Fee $12.00 per month\", \"Discharge Fee $350.00\" (checked 2026-11-10)","rate_kind":"variable","lending_rate_type":"VARIABLE","fixed_months":null,"kind":"variable","purpose":"owner_occupied","repayment":"interest_only","rate":0.0714,"rate_pct":7.14,"comparison_rate":null,"comparison_rate_pct":null,"lvr_min":null,"lvr_max":null,"lvr_source":null,"loan_min":50000.0,"loan_max":2000000.0,"interest_in_advance":false,"offset":false,"redraw":true,"annual_fee":144,"upfront_fees":300,"exit_fees":350,"revert_rate":null,"revert_rate_basis":null,"comparison_check":{"ok":false,"ours_at_150k":7.29,"bank":null,"reason":"no bank comparison rate"},"restrictions":[],"eligibility":null,"ranked":true,"conditions":["the bank's feed gives comparison rates about 0.8 points below its website's, so none is shown; fees per its fee schedule: \"Establishment Fee ... (Standard and Classic products) $300.00\", \"Account Keeping Fee $12.00 per month\", \"Discharge Fee $350.00\" (checked 2026-11-10)","LVR not stated; ranked at 80% LVR and below only","$350 discharge fee for a loan secured on freehold property ($100 otherwise)","$300 establishment fee, plus $300 for each debtor beyond two, guarantor, business entity or owner builder"],"additional_info":"The comparison rate is calculated on the basis of a secured loan of $150,000 over a term of 25 years.","source_url":"https://openbanking.cairnsbank.com.au/OpenBanking/cds-au/v1/banking/products/L21_CLASSIC_IO_90","source_snapshot":"/au/finance/home-loans/v1/source/cairns-bank/L21_CLASSIC_IO_90.json","bank_last_updated":"2026-11-06T07:40:20.000+10:00"},
    {"brand":"Cairns bank","brand_label":"Cairns Bank","brand_slug":"cairns-bank","legal_entity_abn":"68087933757","product_id":"L21_CLASSIC_PI_90","product_name":"CLASSIC HOME LOAN VARIABLE >90 LVR PI","product_label":"Classic Home Loan Variable >90 Lvr Pi","product_url":"https://cairnsbank.com.au/classic-vs-plus/","terms_url":"https://cairnsbank.com.au/information-and-support/disclosure/terms-and-conditions/","record_stale":false,"record_correction":"the bank's feed gives comparison rates about 0.8 points below its website's, so none is shown; fees per its fee schedule: \"Establishment Fee ... (Standard and Classic products) $300.00\", \"Account Keeping Fee $12.00 per month\", \"Discharge Fee $350.00\" (checked 2026-11-10)","rate_kind":"variable","lending_rate_type":"VARIABLE","fixed_months":null,"kind":"variable","purpose":"owner_occupied","repayment":"principal_and_interest","rate":0.0694,"rate_pct":6.94,"comparison_rate":null,"comparison_rate_pct":null,"lvr_min":null,"lvr_max":null,"lvr_source":null,"loan_min":50000.0,"loan_max":2000000.0,"interest_in_advance":false,"offset":false,"redraw":true,"annual_fee":144,"upfront_fees":300,"exit_fees":350,"revert_rate":null,"revert_rate_basis":null,"comparison_check":{"ok":false,"ours_at_150k":7.09,"bank":null,"reason":"no bank comparison rate"},"restrictions":[],"eligibility":null,"ranked":true,"conditions":["the bank's feed gives comparison rates about 0.8 points below its website's, so none is shown; fees per its fee schedule: \"Establishment Fee ... (Standard and Classic products) $300.00\", \"Account Keeping Fee $12.00 per month\", \"Discharge Fee $350.00\" (checked 2026-11-10)","LVR not stated; ranked at 80% LVR and below only","$350 discharge fee for a loan secured on freehold property ($100 otherwise)","$300 establishment fee, plus $300 for each debtor beyond two, guarantor, business entity or owner builder"],"additional_info":"The comparison rate is calculated on the basis of a secured loan of $150,000 over a term of 25 years.","source_url":"https://openbanking.cairnsbank.com.au/OpenBanking/cds-au/v1/banking/products/L21_CLASSIC_PI_90","source_snapshot":"/au/finance/home-loans/v1/source/cairns-bank/L21_CLASSIC_PI_90.json","bank_last_updated":"2026-11-06T07:40:20.000+10:00"},
    {"brand":"Cairns bank","brand_label":"Cairns Bank","brand_slug":"cairns-bank","legal_entity_abn":"68087933757","product_id":"L22_CLASSIC_BRIDGE_IO_60_80","product_name":"CLASSIC INVESTMENT HL BRIDGING VARIABLE 60-80 LVR IO","product_label":"Classic Investment Hl Bridging Variable 60-80 Lvr Io","product_url":"https://cairnsbank.com.au/information-and-support/disclosure/fees-and-charges/","terms_url":"https://cairnsbank.com.au/information-and-support/disclosure/","record_stale":false,"record_correction":"the bank's feed gives comparison rates about 0.8 points below its website's, so none is shown; fees per its fee schedule: \"Bridging loans- A non-refundable Establishment Fee of 0.20%, with a minimum $2,000\", \"Account Keeping Fee $12.00 per month\", \"Discharge Fee $350.00\" (checked 2026-11-10)","rate_kind":"variable","lending_rate_type":"VARIABLE","fixed_months":null,"kind":"variable","purpose":"investment","repayment":"interest_only","rate":0.0884,"rate_pct":8.84,"comparison_rate":null,"comparison_rate_pct":null,"lvr_min":null,"lvr_max":null,"lvr_source":null,"loan_min":50000.0,"loan_max":2000000.0,"interest_in_advance":false,"offset":false,"redraw":false,"annual_fee":144,"upfront_fees":2000,"exit_fees":350,"revert_rate":null,"revert_rate_basis":null,"comparison_check":null,"restrictions":["bridging"],"eligibility":null,"ranked":false,"conditions":["the bank's feed gives comparison rates about 0.8 points below its website's, so none is shown; fees per its fee schedule: \"Bridging loans- A non-refundable Establishment Fee of 0.20%, with a minimum $2,000\", \"Account Keeping Fee $12.00 per month\", \"Discharge Fee $350.00\" (checked 2026-11-10)","bridging loan","LVR not stated; ranked at 80% LVR and below only","$350 discharge fee for a loan secured on freehold property ($100 otherwise)","Bridging loan establishment fee 0.20% of the loan, minimum $2,000, payable upfront on application","$300 establishment fee, plus $300 for each debtor beyond two, guarantor, business entity or owner builder"],"additional_info":"The comparison rate is calculated on the basis of a secured loan of $150,000 over a term of 25 years.","source_url":"https://openbanking.cairnsbank.com.au/OpenBanking/cds-au/v1/banking/products/L22_CLASSIC_BRIDGE_IO_60_80","source_snapshot":"/au/finance/home-loans/v1/source/cairns-bank/L22_CLASSIC_BRIDGE_IO_60_80.json","bank_last_updated":"2026-11-06T07:40:41.000+10:00"},
    {"brand":"Cairns bank","brand_label":"Cairns Bank","brand_slug":"cairns-bank","legal_entity_abn":"68087933757","product_id":"L22_CLASSIC_BRIDGE_IO_80_90","product_name":"CLASSIC INVESTMENT HL BRIDGING VARIABLE 80-90 LVR IO","product_label":"Classic Investment Hl Bridging Variable 80-90 Lvr Io","product_url":"https://cairnsbank.com.au/information-and-support/disclosure/fees-and-charges/","terms_url":"https://cairnsbank.com.au/information-and-support/disclosure/","record_stale":false,"record_correction":"the bank's feed gives comparison rates about 0.8 points below its website's, so none is shown; fees per its fee schedule: \"Bridging loans- A non-refundable Establishment Fee of 0.20%, with a minimum $2,000\", \"Account Keeping Fee $12.00 per month\", \"Discharge Fee $350.00\" (checked 2026-11-10)","rate_kind":"variable","lending_rate_type":"VARIABLE","fixed_months":null,"kind":"variable","purpose":"investment","repayment":"interest_only","rate":0.0904,"rate_pct":9.04,"comparison_rate":null,"comparison_rate_pct":null,"lvr_min":null,"lvr_max":null,"lvr_source":null,"loan_min":50000.0,"loan_max":2000000.0,"interest_in_advance":false,"offset":false,"redraw":false,"annual_fee":144,"upfront_fees":2000,"exit_fees":350,"revert_rate":null,"revert_rate_basis":null,"comparison_check":null,"restrictions":["bridging"],"eligibility":null,"ranked":false,"conditions":["the bank's feed gives comparison rates about 0.8 points below its website's, so none is shown; fees per its fee schedule: \"Bridging loans- A non-refundable Establishment Fee of 0.20%, with a minimum $2,000\", \"Account Keeping Fee $12.00 per month\", \"Discharge Fee $350.00\" (checked 2026-11-10)","bridging loan","LVR not stated; ranked at 80% LVR and below only","$350 discharge fee for a loan secured on freehold property ($100 otherwise)","Bridging loan establishment fee 0.20% of the loan, minimum $2,000, payable upfront on application","$300 establishment fee, plus $300 for each debtor beyond two, guarantor, business entity or owner builder"],"additional_info":"The comparison rate is calculated on the basis of a secured loan of $150,000 over a term of 25 years.","source_url":"https://openbanking.cairnsbank.com.au/OpenBanking/cds-au/v1/banking/products/L22_CLASSIC_BRIDGE_IO_80_90","source_snapshot":"/au/finance/home-loans/v1/source/cairns-bank/L22_CLASSIC_BRIDGE_IO_80_90.json","bank_last_updated":"2026-11-06T07:40:41.000+10:00"},
    {"brand":"Cairns bank","brand_label":"Cairns Bank","brand_slug":"cairns-bank","legal_entity_abn":"68087933757","product_id":"L22_CLASSIC_BRIDGE_IO_60","product_name":"CLASSIC INVESTMENT HL BRIDGING VARIABLE <60 LVR IO","product_label":"Classic Investment Hl Bridging Variable <60 Lvr Io","product_url":"https://cairnsbank.com.au/information-and-support/disclosure/fees-and-charges/","terms_url":"https://cairnsbank.com.au/information-and-support/disclosure/","record_stale":false,"record_correction":"the bank's feed gives comparison rates about 0.8 points below its website's, so none is shown; fees per its fee schedule: \"Bridging loans- A non-refundable Establishment Fee of 0.20%, with a minimum $2,000\", \"Account Keeping Fee $12.00 per month\", \"Discharge Fee $350.00\" (checked 2026-11-10)","rate_kind":"variable","lending_rate_type":"VARIABLE","fixed_months":null,"kind":"variable","purpose":"investment","repayment":"interest_only","rate":0.0879,"rate_pct":8.79,"comparison_rate":null,"comparison_rate_pct":null,"lvr_min":0.0,"lvr_max":60.0,"lvr_source":"text","loan_min":null,"loan_max":null,"interest_in_advance":false,"offset":false,"redraw":false,"annual_fee":144,"upfront_fees":2000,"exit_fees":350,"revert_rate":null,"revert_rate_basis":null,"comparison_check":null,"restrictions":["bridging"],"eligibility":null,"ranked":false,"conditions":["the bank's feed gives comparison rates about 0.8 points below its website's, so none is shown; fees per its fee schedule: \"Bridging loans- A non-refundable Establishment Fee of 0.20%, with a minimum $2,000\", \"Account Keeping Fee $12.00 per month\", \"Discharge Fee $350.00\" (checked 2026-11-10)","bridging loan","$350 discharge fee for a loan secured on freehold property ($100 otherwise)","Bridging loan establishment fee 0.20% of the loan, minimum $2,000, payable upfront on application","$300 establishment fee, plus $300 for each debtor beyond two, guarantor, business entity or owner builder"],"additional_info":"The comparison rate is calculated on the basis of a secured loan of $150,000 over a term of 25 years.","source_url":"https://openbanking.cairnsbank.com.au/OpenBanking/cds-au/v1/banking/products/L22_CLASSIC_BRIDGE_IO_60","source_snapshot":"/au/finance/home-loans/v1/source/cairns-bank/L22_CLASSIC_BRIDGE_IO_60.json","bank_last_updated":"2026-11-06T07:40:41.000+10:00"},
    {"brand":"Cairns bank","brand_label":"Cairns Bank","brand_slug":"cairns-bank","legal_entity_abn":"68087933757","product_id":"L22_CLASSIC_BRIDGE_IO_90","product_name":"CLASSIC INVESTMENT HL BRIDGING VARIABLE >90 LVR IO","product_label":"Classic Investment Hl Bridging Variable >90 Lvr Io","product_url":"https://cairnsbank.com.au/information-and-support/disclosure/fees-and-charges/","terms_url":"https://cairnsbank.com.au/information-and-support/disclosure/","record_stale":false,"record_correction":"the bank's feed gives comparison rates about 0.8 points below its website's, so none is shown; fees per its fee schedule: \"Bridging loans- A non-refundable Establishment Fee of 0.20%, with a minimum $2,000\", \"Account Keeping Fee $12.00 per month\", \"Discharge Fee $350.00\" (checked 2026-11-10)","rate_kind":"variable","lending_rate_type":"VARIABLE","fixed_months":null,"kind":"variable","purpose":"investment","repayment":"interest_only","rate":0.0924,"rate_pct":9.24,"comparison_rate":null,"comparison_rate_pct":null,"lvr_min":null,"lvr_max":null,"lvr_source":null,"loan_min":50000.0,"loan_max":2000000.0,"interest_in_advance":false,"offset":false,"redraw":false,"annual_fee":144,"upfront_fees":2000,"exit_fees":350,"revert_rate":null,"revert_rate_basis":null,"comparison_check":null,"restrictions":["bridging"],"eligibility":null,"ranked":false,"conditions":["the bank's feed gives comparison rates about 0.8 points below its website's, so none is shown; fees per its fee schedule: \"Bridging loans- A non-refundable Establishment Fee of 0.20%, with a minimum $2,000\", \"Account Keeping Fee $12.00 per month\", \"Discharge Fee $350.00\" (checked 2026-11-10)","bridging loan","LVR not stated; ranked at 80% LVR and below only","$350 discharge fee for a loan secured on freehold property ($100 otherwise)","Bridging loan establishment fee 0.20% of the loan, minimum $2,000, payable upfront on application","$300 establishment fee, plus $300 for each debtor beyond two, guarantor, business entity or owner builder"],"additional_info":"The comparison rate is calculated on the basis of a secured loan of $150,000 over a term of 25 years.","source_url":"https://openbanking.cairnsbank.com.au/OpenBanking/cds-au/v1/banking/products/L22_CLASSIC_BRIDGE_IO_90","source_snapshot":"/au/finance/home-loans/v1/source/cairns-bank/L22_CLASSIC_BRIDGE_IO_90.json","bank_last_updated":"2026-11-06T07:40:41.000+10:00"},
    {"brand":"Cairns bank","brand_label":"Cairns Bank","brand_slug":"cairns-bank","legal_entity_abn":"68087933757","product_id":"L22_CLASSIC_IO_60_80","product_name":"CLASSIC INVESTMENT HL VARIABLE 60-80 LVR IO","product_label":"Classic Investment Hl Variable 60-80 Lvr Io","product_url":"https://cairnsbank.com.au/classic-vs-plus/","terms_url":"https://cairnsbank.com.au/information-and-support/disclosure/terms-and-conditions/","record_stale":false,"record_correction":"the bank's feed gives comparison rates about 0.8 points below its website's, so none is shown; fees per its fee schedule: \"Establishment Fee ... (Standard and Classic products) $300.00\", \"Account Keeping Fee $12.00 per month\", \"Discharge Fee $350.00\" (checked 2026-11-10)","rate_kind":"variable","lending_rate_type":"VARIABLE","fixed_months":null,"kind":"variable","purpose":"investment","repayment":"interest_only","rate":0.0684,"rate_pct":6.84,"comparison_rate":null,"comparison_rate_pct":null,"lvr_min":null,"lvr_max":null,"lvr_source":null,"loan_min":50000.0,"loan_max":2000000.0,"interest_in_advance":false,"offset":false,"redraw":true,"annual_fee":144,"upfront_fees":300,"exit_fees":350,"revert_rate":null,"revert_rate_basis":null,"comparison_check":{"ok":false,"ours_at_150k":6.99,"bank":null,"reason":"no bank comparison rate"},"restrictions":[],"eligibility":null,"ranked":true,"conditions":["the bank's feed gives comparison rates about 0.8 points below its website's, so none is shown; fees per its fee schedule: \"Establishment Fee ... (Standard and Classic products) $300.00\", \"Account Keeping Fee $12.00 per month\", \"Discharge Fee $350.00\" (checked 2026-11-10)","LVR not stated; ranked at 80% LVR and below only","$350 discharge fee for a loan secured on freehold property ($100 otherwise)","$300 establishment fee, plus $300 for each debtor beyond two, guarantor, business entity or owner builder"],"additional_info":"The comparison rate is calculated on the basis of a secured loan of $150,000 over a term of 25 years.","source_url":"https://openbanking.cairnsbank.com.au/OpenBanking/cds-au/v1/banking/products/L22_CLASSIC_IO_60_80","source_snapshot":"/au/finance/home-loans/v1/source/cairns-bank/L22_CLASSIC_IO_60_80.json","bank_last_updated":"2026-11-06T07:40:41.000+10:00"},
    {"brand":"Cairns bank","brand_label":"Cairns Bank","brand_slug":"cairns-bank","legal_entity_abn":"68087933757","product_id":"L22_CLASSIC_PI_60_80","product_name":"CLASSIC INVESTMENT HL VARIABLE 60-80 LVR PI","product_label":"Classic Investment Hl Variable 60-80 Lvr Pi","product_url":"https://cairnsbank.com.au/classic-vs-plus/","terms_url":"https://cairnsbank.com.au/information-and-support/disclosure/terms-and-conditions/","record_stale":false,"record_correction":"the bank's feed gives comparison rates about 0.8 points below its website's, so none is shown; fees per its fee schedule: \"Establishment Fee ... (Standard and Classic products) $300.00\", \"Account Keeping Fee $12.00 per month\", \"Discharge Fee $350.00\" (checked 2026-11-10)","rate_kind":"variable","lending_rate_type":"VARIABLE","fixed_months":null,"kind":"variable","purpose":"investment","repayment":"principal_and_interest","rate":0.0664,"rate_pct":6.64,"comparison_rate":null,"comparison_rate_pct":null,"lvr_min":null,"lvr_max":null,"lvr_source":null,"loan_min":50000.0,"loan_max":2000000.0,"interest_in_advance":false,"offset":false,"redraw":true,"annual_fee":144,"upfront_fees":300,"exit_fees":350,"revert_rate":null,"revert_rate_basis":null,"comparison_check":{"ok":false,"ours_at_150k":6.79,"bank":null,"reason":"no bank comparison rate"},"restrictions":[],"eligibility":null,"ranked":true,"conditions":["the bank's feed gives comparison rates about 0.8 points below its website's, so none is shown; fees per its fee schedule: \"Establishment Fee ... (Standard and Classic products) $300.00\", \"Account Keeping Fee $12.00 per month\", \"Discharge Fee $350.00\" (checked 2026-11-10)","LVR not stated; ranked at 80% LVR and below only","$350 discharge fee for a loan secured on freehold property ($100 otherwise)","$300 establishment fee, plus $300 for each debtor beyond two, guarantor, business entity or owner builder"],"additional_info":"The comparison rate is calculated on the basis of a secured loan of $150,000 over a term of 25 years.","source_url":"https://openbanking.cairnsbank.com.au/OpenBanking/cds-au/v1/banking/products/L22_CLASSIC_PI_60_80","source_snapshot":"/au/finance/home-loans/v1/source/cairns-bank/L22_CLASSIC_PI_60_80.json","bank_last_updated":"2026-11-06T07:40:41.000+10:00"},
    {"brand":"Cairns bank","brand_label":"Cairns Bank","brand_slug":"cairns-bank","legal_entity_abn":"68087933757","product_id":"L22_CLASSIC_IO_80_90","product_name":"CLASSIC INVESTMENT HL VARIABLE 80-90 LVR IO","product_label":"Classic Investment Hl Variable 80-90 Lvr Io","product_url":"https://cairnsbank.com.au/classic-vs-plus/","terms_url":"https://cairnsbank.com.au/information-and-support/disclosure/terms-and-conditions/","record_stale":false,"record_correction":"the bank's feed gives comparison rates about 0.8 points below its website's, so none is shown; fees per its fee schedule: \"Establishment Fee ... (Standard and Classic products) $300.00\", \"Account Keeping Fee $12.00 per month\", \"Discharge Fee $350.00\" (checked 2026-11-10)","rate_kind":"variable","lending_rate_type":"VARIABLE","fixed_months":null,"kind":"variable","purpose":"investment","repayment":"interest_only","rate":0.0704,"rate_pct":7.04,"comparison_rate":null,"comparison_rate_pct":null,"lvr_min":null,"lvr_max":null,"lvr_source":null,"loan_min":50000.0,"loan_max":2000000.0,"interest_in_advance":false,"offset":false,"redraw":true,"annual_fee":144,"upfront_fees":300,"exit_fees":350,"revert_rate":null,"revert_rate_basis":null,"comparison_check":{"ok":false,"ours_at_150k":7.19,"bank":null,"reason":"no bank comparison rate"},"restrictions":[],"eligibility":null,"ranked":true,"conditions":["the bank's feed gives comparison rates about 0.8 points below its website's, so none is shown; fees per its fee schedule: \"Establishment Fee ... (Standard and Classic products) $300.00\", \"Account Keeping Fee $12.00 per month\", \"Discharge Fee $350.00\" (checked 2026-11-10)","LVR not stated; ranked at 80% LVR and below only","$350 discharge fee for a loan secured on freehold property ($100 otherwise)","$300 establishment fee, plus $300 for each debtor beyond two, guarantor, business entity or owner builder"],"additional_info":"The comparison rate is calculated on the basis of a secured loan of $150,000 over a term of 25 years.","source_url":"https://openbanking.cairnsbank.com.au/OpenBanking/cds-au/v1/banking/products/L22_CLASSIC_IO_80_90","source_snapshot":"/au/finance/home-loans/v1/source/cairns-bank/L22_CLASSIC_IO_80_90.json","bank_last_updated":"2026-11-06T07:40:41.000+10:00"},
    {"brand":"Cairns bank","brand_label":"Cairns Bank","brand_slug":"cairns-bank","legal_entity_abn":"68087933757","product_id":"L22_CLASSIC_PI_80_90","product_name":"CLASSIC INVESTMENT HL VARIABLE 80-90 LVR PI","product_label":"Classic Investment Hl Variable 80-90 Lvr Pi","product_url":"https://cairnsbank.com.au/classic-vs-plus/","terms_url":"https://cairnsbank.com.au/information-and-support/disclosure/terms-and-conditions/","record_stale":false,"record_correction":"the bank's feed gives comparison rates about 0.8 points below its website's, so none is shown; fees per its fee schedule: \"Establishment Fee ... (Standard and Classic products) $300.00\", \"Account Keeping Fee $12.00 per month\", \"Discharge Fee $350.00\" (checked 2026-11-10)","rate_kind":"variable","lending_rate_type":"VARIABLE","fixed_months":null,"kind":"variable","purpose":"investment","repayment":"principal_and_interest","rate":0.0684,"rate_pct":6.84,"comparison_rate":null,"comparison_rate_pct":null,"lvr_min":null,"lvr_max":null,"lvr_source":null,"loan_min":50000.0,"loan_max":2000000.0,"interest_in_advance":false,"offset":false,"redraw":true,"annual_fee":144,"upfront_fees":300,"exit_fees":350,"revert_rate":null,"revert_rate_basis":null,"comparison_check":{"ok":false,"ours_at_150k":6.99,"bank":null,"reason":"no bank comparison rate"},"restrictions":[],"eligibility":null,"ranked":true,"conditions":["the bank's feed gives comparison rates about 0.8 points below its website's, so none is shown; fees per its fee schedule: \"Establishment Fee ... (Standard and Classic products) $300.00\", \"Account Keeping Fee $12.00 per month\", \"Discharge Fee $350.00\" (checked 2026-11-10)","LVR not stated; ranked at 80% LVR and below only","$350 discharge fee for a loan secured on freehold property ($100 otherwise)","$300 establishment fee, plus $300 for each debtor beyond two, guarantor, business entity or owner builder"],"additional_info":"The comparison rate is calculated on the basis of a secured loan of $150,000 over a term of 25 years.","source_url":"https://openbanking.cairnsbank.com.au/OpenBanking/cds-au/v1/banking/products/L22_CLASSIC_PI_80_90","source_snapshot":"/au/finance/home-loans/v1/source/cairns-bank/L22_CLASSIC_PI_80_90.json","bank_last_updated":"2026-11-06T07:40:41.000+10:00"},
    {"brand":"Cairns bank","brand_label":"Cairns Bank","brand_slug":"cairns-bank","legal_entity_abn":"68087933757","product_id":"L22_CLASSIC_IO_60","product_name":"CLASSIC INVESTMENT HL VARIABLE <60 LVR IO","product_label":"Classic Investment Hl Variable <60 Lvr Io","product_url":"https://cairnsbank.com.au/classic-vs-plus/","terms_url":"https://cairnsbank.com.au/information-and-support/disclosure/terms-and-conditions/","record_stale":false,"record_correction":"the bank's feed gives comparison rates about 0.8 points below its website's, so none is shown; fees per its fee schedule: \"Establishment Fee ... (Standard and Classic products) $300.00\", \"Account Keeping Fee $12.00 per month\", \"Discharge Fee $350.00\" (checked 2026-11-10)","rate_kind":"variable","lending_rate_type":"VARIABLE","fixed_months":null,"kind":"variable","purpose":"investment","repayment":"interest_only","rate":0.0679,"rate_pct":6.79,"comparison_rate":null,"comparison_rate_pct":null,"lvr_min":0.0,"lvr_max":60.0,"lvr_source":"text","loan_min":50000.0,"loan_max":2000000.0,"interest_in_advance":false,"offset":false,"redraw":true,"annual_fee":144,"upfront_fees":300,"exit_fees":350,"revert_rate":null,"revert_rate_basis":null,"comparison_check":{"ok":false,"ours_at_150k":6.94,"bank":null,"reason":"no bank comparison rate"},"restrictions":[],"eligibility":null,"ranked":true,"conditions":["the bank's feed gives comparison rates about 0.8 points below its website's, so none is shown; fees per its fee schedule: \"Establishment Fee ... (Standard and Classic products) $300.00\", \"Account Keeping Fee $12.00 per month\", \"Discharge Fee $350.00\" (checked 2026-11-10)","$350 discharge fee for a loan secured on freehold property ($100 otherwise)","$300 establishment fee, plus $300 for each debtor beyond two, guarantor, business entity or owner builder"],"additional_info":"The comparison rate is calculated on the basis of a secured loan of $150,000 over a term of 25 years.","source_url":"https://openbanking.cairnsbank.com.au/OpenBanking/cds-au/v1/banking/products/L22_CLASSIC_IO_60","source_snapshot":"/au/finance/home-loans/v1/source/cairns-bank/L22_CLASSIC_IO_60.json","bank_last_updated":"2026-11-06T07:40:41.000+10:00"},
    {"brand":"Cairns bank","brand_label":"Cairns Bank","brand_slug":"cairns-bank","legal_entity_abn":"68087933757","product_id":"L22_CLASSIC_PI_60","product_name":"CLASSIC INVESTMENT HL VARIABLE <60 LVR PI","product_label":"Classic Investment Hl Variable <60 Lvr Pi","product_url":"https://cairnsbank.com.au/classic-vs-plus/","terms_url":"https://cairnsbank.com.au/information-and-support/disclosure/terms-and-conditions/","record_stale":false,"record_correction":"the bank's feed gives comparison rates about 0.8 points below its website's, so none is shown; fees per its fee schedule: \"Establishment Fee ... (Standard and Classic products) $300.00\", \"Account Keeping Fee $12.00 per month\", \"Discharge Fee $350.00\" (checked 2026-11-10)","rate_kind":"variable","lending_rate_type":"VARIABLE","fixed_months":null,"kind":"variable","purpose":"investment","repayment":"principal_and_interest","rate":0.0659,"rate_pct":6.59,"comparison_rate":null,"comparison_rate_pct":null,"lvr_min":0.0,"lvr_max":60.0,"lvr_source":"text","loan_min":50000.0,"loan_max":2000000.0,"interest_in_advance":false,"offset":false,"redraw":true,"annual_fee":144,"upfront_fees":300,"exit_fees":350,"revert_rate":null,"revert_rate_basis":null,"comparison_check":{"ok":false,"ours_at_150k":6.74,"bank":null,"reason":"no bank comparison rate"},"restrictions":[],"eligibility":null,"ranked":true,"conditions":["the bank's feed gives comparison rates about 0.8 points below its website's, so none is shown; fees per its fee schedule: \"Establishment Fee ... (Standard and Classic products) $300.00\", \"Account Keeping Fee $12.00 per month\", \"Discharge Fee $350.00\" (checked 2026-11-10)","$350 discharge fee for a loan secured on freehold property ($100 otherwise)","$300 establishment fee, plus $300 for each debtor beyond two, guarantor, business entity or owner builder"],"additional_info":"The comparison rate is calculated on the basis of a secured loan of $150,000 over a term of 25 years.","source_url":"https://openbanking.cairnsbank.com.au/OpenBanking/cds-au/v1/banking/products/L22_CLASSIC_PI_60","source_snapshot":"/au/finance/home-loans/v1/source/cairns-bank/L22_CLASSIC_PI_60.json","bank_last_updated":"2026-11-06T07:40:41.000+10:00"},
    {"brand":"Cairns bank","brand_label":"Cairns Bank","brand_slug":"cairns-bank","legal_entity_abn":"68087933757","product_id":"L22_CLASSIC_IO_90","product_name":"CLASSIC INVESTMENT HL VARIABLE >90 LVR IO","product_label":"Classic Investment Hl Variable >90 Lvr Io","product_url":"https://cairnsbank.com.au/classic-vs-plus/","terms_url":"https://cairnsbank.com.au/information-and-support/disclosure/terms-and-conditions/","record_stale":false,"record_correction":"the bank's feed gives comparison rates about 0.8 points below its website's, so none is shown; fees per its fee schedule: \"Establishment Fee ... (Standard and Classic products) $300.00\", \"Account Keeping Fee $12.00 per month\", \"Discharge Fee $350.00\" (checked 2026-11-10)","rate_kind":"variable","lending_rate_type":"VARIABLE","fixed_months":null,"kind":"variable","purpose":"investment","repayment":"interest_only","rate":0.0724,"rate_pct":7.24,"comparison_rate":null,"comparison_rate_pct":null,"lvr_min":null,"lvr_max":null,"lvr_source":null,"loan_min":50000.0,"loan_max":2000000.0,"interest_in_advance":false,"offset":false,"redraw":true,"annual_fee":144,"upfront_fees":300,"exit_fees":350,"revert_rate":null,"revert_rate_basis":null,"comparison_check":{"ok":false,"ours_at_150k":7.39,"bank":null,"reason":"no bank comparison rate"},"restrictions":[],"eligibility":null,"ranked":true,"conditions":["the bank's feed gives comparison rates about 0.8 points below its website's, so none is shown; fees per its fee schedule: \"Establishment Fee ... (Standard and Classic products) $300.00\", \"Account Keeping Fee $12.00 per month\", \"Discharge Fee $350.00\" (checked 2026-11-10)","LVR not stated; ranked at 80% LVR and below only","$350 discharge fee for a loan secured on freehold property ($100 otherwise)","$300 establishment fee, plus $300 for each debtor beyond two, guarantor, business entity or owner builder"],"additional_info":"The comparison rate is calculated on the basis of a secured loan of $150,000 over a term of 25 years.","source_url":"https://openbanking.cairnsbank.com.au/OpenBanking/cds-au/v1/banking/products/L22_CLASSIC_IO_90","source_snapshot":"/au/finance/home-loans/v1/source/cairns-bank/L22_CLASSIC_IO_90.json","bank_last_updated":"2026-11-06T07:40:41.000+10:00"},
    {"brand":"Cairns bank","brand_label":"Cairns Bank","brand_slug":"cairns-bank","legal_entity_abn":"68087933757","product_id":"L22_CLASSIC_PI_90","product_name":"CLASSIC INVESTMENT HL VARIABLE >90 LVR PI","product_label":"Classic Investment Hl Variable >90 Lvr Pi","product_url":"https://cairnsbank.com.au/classic-vs-plus/","terms_url":"https://cairnsbank.com.au/information-and-support/disclosure/terms-and-conditions/","record_stale":false,"record_correction":"the bank's feed gives comparison rates about 0.8 points below its website's, so none is shown; fees per its fee schedule: \"Establishment Fee ... (Standard and Classic products) $300.00\", \"Account Keeping Fee $12.00 per month\", \"Discharge Fee $350.00\" (checked 2026-11-10)","rate_kind":"variable","lending_rate_type":"VARIABLE","fixed_months":null,"kind":"variable","purpose":"investment","repayment":"principal_and_interest","rate":0.0704,"rate_pct":7.04,"comparison_rate":null,"comparison_rate_pct":null,"lvr_min":null,"lvr_max":null,"lvr_source":null,"loan_min":50000.0,"loan_max":2000000.0,"interest_in_advance":false,"offset":false,"redraw":true,"annual_fee":144,"upfront_fees":300,"exit_fees":350,"revert_rate":null,"revert_rate_basis":null,"comparison_check":{"ok":false,"ours_at_150k":7.19,"bank":null,"reason":"no bank comparison rate"},"restrictions":[],"eligibility":null,"ranked":true,"conditions":["the bank's feed gives comparison rates about 0.8 points below its website's, so none is shown; fees per its fee schedule: \"Establishment Fee ... (Standard and Classic products) $300.00\", \"Account Keeping Fee $12.00 per month\", \"Discharge Fee $350.00\" (checked 2026-11-10)","LVR not stated; ranked at 80% LVR and below only","$350 discharge fee for a loan secured on freehold property ($100 otherwise)","$300 establishment fee, plus $300 for each debtor beyond two, guarantor, business entity or owner builder"],"additional_info":"The comparison rate is calculated on the basis of a secured loan of $150,000 over a term of 25 years.","source_url":"https://openbanking.cairnsbank.com.au/OpenBanking/cds-au/v1/banking/products/L22_CLASSIC_PI_90","source_snapshot":"/au/finance/home-loans/v1/source/cairns-bank/L22_CLASSIC_PI_90.json","bank_last_updated":"2026-11-06T07:40:41.000+10:00"},
    {"brand":"Cairns bank","brand_label":"Cairns Bank","brand_slug":"cairns-bank","legal_entity_abn":"68087933757","product_id":"L26_PLUS_IO_F1_60_80","product_name":"INVESTMENT PLUS HL FIXED 1YR 60-80 LVR IO","product_label":"Investment Plus Hl Fixed 1YR 60-80 Lvr Io","product_url":"https://cairnsbank.com.au/classic-vs-plus/","terms_url":"https://cairnsbank.com.au/information-and-support/disclosure/terms-and-conditions/","record_stale":false,"record_correction":"the bank's feed gives comparison rates about 0.8 points below its website's, so none is shown; fees per its fee schedule: \"Establishment Fee - Home Loans (Plus product) ... Nil\", \"Plus Product Fee $395.00 per annum\", \"Discharge Fee $350.00\" (checked 2026-11-10)","rate_kind":"fixed","lending_rate_type":"FIXED","fixed_months":12,"kind":"fixed_1","purpose":"investment","repayment":"interest_only","rate":0.0679,"rate_pct":6.79,"comparison_rate":null,"comparison_rate_pct":null,"lvr_min":null,"lvr_max":null,"lvr_source":null,"loan_min":150000.0,"loan_max":2000000.0,"interest_in_advance":false,"offset":true,"redraw":true,"annual_fee":395,"upfront_fees":0,"exit_fees":350,"revert_rate":null,"revert_rate_basis":null,"comparison_check":{"ok":false,"ours_at_150k":null,"bank":null,"reason":"revert rate not published"},"restrictions":[],"eligibility":null,"ranked":true,"conditions":["the bank's feed gives comparison rates about 0.8 points below its website's, so none is shown; fees per its fee schedule: \"Establishment Fee - Home Loans (Plus product) ... Nil\", \"Plus Product Fee $395.00 per annum\", \"Discharge Fee $350.00\" (checked 2026-11-10)","LVR not stated; ranked at 80% LVR and below only","$350 discharge fee for a loan secured on freehold property ($100 otherwise)","$395 annual Plus product fee (one fee covers up to four loans on the same security)","$500 break cost administration fee, plus break costs, if the fixed loan is repaid or more than $20,000 is repaid while fixed"],"additional_info":"The comparison rate is calculated on the basis of a secured loan of $150,000 over a term of 25 years.","source_url":"https://openbanking.cairnsbank.com.au/OpenBanking/cds-au/v1/banking/products/L26_PLUS_IO_F1_60_80","source_snapshot":"/au/finance/home-loans/v1/source/cairns-bank/L26_PLUS_IO_F1_60_80.json","bank_last_updated":"2026-11-06T07:41:14.000+10:00"},
    {"brand":"Cairns bank","brand_label":"Cairns Bank","brand_slug":"cairns-bank","legal_entity_abn":"68087933757","product_id":"L26_PLUS_PI_F1_60_80","product_name":"INVESTMENT PLUS HL FIXED 1YR 60-80 LVR PI","product_label":"Investment Plus Hl Fixed 1YR 60-80 Lvr Pi","product_url":"https://cairnsbank.com.au/classic-vs-plus/","terms_url":"https://cairnsbank.com.au/information-and-support/disclosure/terms-and-conditions/","record_stale":false,"record_correction":"the bank's feed gives comparison rates about 0.8 points below its website's, so none is shown; fees per its fee schedule: \"Establishment Fee - Home Loans (Plus product) ... Nil\", \"Plus Product Fee $395.00 per annum\", \"Discharge Fee $350.00\" (checked 2026-11-10)","rate_kind":"fixed","lending_rate_type":"FIXED","fixed_months":12,"kind":"fixed_1","purpose":"investment","repayment":"principal_and_interest","rate":0.0659,"rate_pct":6.59,"comparison_rate":null,"comparison_rate_pct":null,"lvr_min":null,"lvr_max":null,"lvr_source":null,"loan_min":150000.0,"loan_max":2000000.0,"interest_in_advance":false,"offset":true,"redraw":true,"annual_fee":395,"upfront_fees":0,"exit_fees":350,"revert_rate":null,"revert_rate_basis":null,"comparison_check":{"ok":false,"ours_at_150k":null,"bank":null,"reason":"revert rate not published"},"restrictions":[],"eligibility":null,"ranked":true,"conditions":["the bank's feed gives comparison rates about 0.8 points below its website's, so none is shown; fees per its fee schedule: \"Establishment Fee - Home Loans (Plus product) ... Nil\", \"Plus Product Fee $395.00 per annum\", \"Discharge Fee $350.00\" (checked 2026-11-10)","LVR not stated; ranked at 80% LVR and below only","$350 discharge fee for a loan secured on freehold property ($100 otherwise)","$395 annual Plus product fee (one fee covers up to four loans on the same security)","$500 break cost administration fee, plus break costs, if the fixed loan is repaid or more than $20,000 is repaid while fixed"],"additional_info":"The comparison rate is calculated on the basis of a secured loan of $150,000 over a term of 25 years.","source_url":"https://openbanking.cairnsbank.com.au/OpenBanking/cds-au/v1/banking/products/L26_PLUS_PI_F1_60_80","source_snapshot":"/au/finance/home-loans/v1/source/cairns-bank/L26_PLUS_PI_F1_60_80.json","bank_last_updated":"2026-11-06T07:41:14.000+10:00"},
    {"brand":"Cairns bank","brand_label":"Cairns Bank","brand_slug":"cairns-bank","legal_entity_abn":"68087933757","product_id":"L26_PLUS_IO_F1_80_90","product_name":"INVESTMENT PLUS HL FIXED 1YR 80-90 LVR IO","product_label":"Investment Plus Hl Fixed 1YR 80-90 Lvr Io","product_url":"https://cairnsbank.com.au/classic-vs-plus/","terms_url":"https://cairnsbank.com.au/information-and-support/disclosure/terms-and-conditions/","record_stale":false,"record_correction":"the bank's feed gives comparison rates about 0.8 points below its website's, so none is shown; fees per its fee schedule: \"Establishment Fee - Home Loans (Plus product) ... Nil\", \"Plus Product Fee $395.00 per annum\", \"Discharge Fee $350.00\" (checked 2026-11-10)","rate_kind":"fixed","lending_rate_type":"FIXED","fixed_months":12,"kind":"fixed_1","purpose":"investment","repayment":"interest_only","rate":0.0699,"rate_pct":6.99,"comparison_rate":null,"comparison_rate_pct":null,"lvr_min":null,"lvr_max":null,"lvr_source":null,"loan_min":150000.0,"loan_max":2000000.0,"interest_in_advance":false,"offset":true,"redraw":true,"annual_fee":395,"upfront_fees":0,"exit_fees":350,"revert_rate":null,"revert_rate_basis":null,"comparison_check":{"ok":false,"ours_at_150k":null,"bank":null,"reason":"revert rate not published"},"restrictions":[],"eligibility":null,"ranked":true,"conditions":["the bank's feed gives comparison rates about 0.8 points below its website's, so none is shown; fees per its fee schedule: \"Establishment Fee - Home Loans (Plus product) ... Nil\", \"Plus Product Fee $395.00 per annum\", \"Discharge Fee $350.00\" (checked 2026-11-10)","LVR not stated; ranked at 80% LVR and below only","$350 discharge fee for a loan secured on freehold property ($100 otherwise)","$395 annual Plus product fee (one fee covers up to four loans on the same security)","$500 break cost administration fee, plus break costs, if the fixed loan is repaid or more than $20,000 is repaid while fixed"],"additional_info":"The comparison rate is calculated on the basis of a secured loan of $150,000 over a term of 25 years.","source_url":"https://openbanking.cairnsbank.com.au/OpenBanking/cds-au/v1/banking/products/L26_PLUS_IO_F1_80_90","source_snapshot":"/au/finance/home-loans/v1/source/cairns-bank/L26_PLUS_IO_F1_80_90.json","bank_last_updated":"2026-11-06T07:41:14.000+10:00"},
    {"brand":"Cairns bank","brand_label":"Cairns Bank","brand_slug":"cairns-bank","legal_entity_abn":"68087933757","product_id":"L26_PLUS_PI_F1_80_90","product_name":"INVESTMENT PLUS HL FIXED 1YR 80-90 LVR PI","product_label":"Investment Plus Hl Fixed 1YR 80-90 Lvr Pi","product_url":"https://cairnsbank.com.au/classic-vs-plus/","terms_url":"https://cairnsbank.com.au/information-and-support/disclosure/terms-and-conditions/","record_stale":false,"record_correction":"the bank's feed gives comparison rates about 0.8 points below its website's, so none is shown; fees per its fee schedule: \"Establishment Fee - Home Loans (Plus product) ... Nil\", \"Plus Product Fee $395.00 per annum\", \"Discharge Fee $350.00\" (checked 2026-11-10)","rate_kind":"fixed","lending_rate_type":"FIXED","fixed_months":12,"kind":"fixed_1","purpose":"investment","repayment":"principal_and_interest","rate":0.0679,"rate_pct":6.79,"comparison_rate":null,"comparison_rate_pct":null,"lvr_min":null,"lvr_max":null,"lvr_source":null,"loan_min":150000.0,"loan_max":2000000.0,"interest_in_advance":false,"offset":true,"redraw":true,"annual_fee":395,"upfront_fees":0,"exit_fees":350,"revert_rate":null,"revert_rate_basis":null,"comparison_check":{"ok":false,"ours_at_150k":null,"bank":null,"reason":"revert rate not published"},"restrictions":[],"eligibility":null,"ranked":true,"conditions":["the bank's feed gives comparison rates about 0.8 points below its website's, so none is shown; fees per its fee schedule: \"Establishment Fee - Home Loans (Plus product) ... Nil\", \"Plus Product Fee $395.00 per annum\", \"Discharge Fee $350.00\" (checked 2026-11-10)","LVR not stated; ranked at 80% LVR and below only","$350 discharge fee for a loan secured on freehold property ($100 otherwise)","$395 annual Plus product fee (one fee covers up to four loans on the same security)","$500 break cost administration fee, plus break costs, if the fixed loan is repaid or more than $20,000 is repaid while fixed"],"additional_info":"The comparison rate is calculated on the basis of a secured loan of $150,000 over a term of 25 years.","source_url":"https://openbanking.cairnsbank.com.au/OpenBanking/cds-au/v1/banking/products/L26_PLUS_PI_F1_80_90","source_snapshot":"/au/finance/home-loans/v1/source/cairns-bank/L26_PLUS_PI_F1_80_90.json","bank_last_updated":"2026-11-06T07:41:14.000+10:00"},
    {"brand":"Cairns bank","brand_label":"Cairns Bank","brand_slug":"cairns-bank","legal_entity_abn":"68087933757","product_id":"L26_PLUS_IO_F1_60","product_name":"INVESTMENT PLUS HL FIXED 1YR <60 LVR IO","product_label":"Investment Plus Hl Fixed 1YR <60 Lvr Io","product_url":"https://cairnsbank.com.au/classic-vs-plus/","terms_url":"https://cairnsbank.com.au/information-and-support/disclosure/terms-and-conditions/","record_stale":false,"record_correction":"the bank's feed gives comparison rates about 0.8 points below its website's, so none is shown; fees per its fee schedule: \"Establishment Fee - Home Loans (Plus product) ... Nil\", \"Plus Product Fee $395.00 per annum\", \"Discharge Fee $350.00\" (checked 2026-11-10)","rate_kind":"fixed","lending_rate_type":"FIXED","fixed_months":12,"kind":"fixed_1","purpose":"investment","repayment":"interest_only","rate":0.0674,"rate_pct":6.74,"comparison_rate":null,"comparison_rate_pct":null,"lvr_min":0.0,"lvr_max":60.0,"lvr_source":"text","loan_min":150000.0,"loan_max":2000000.0,"interest_in_advance":false,"offset":true,"redraw":true,"annual_fee":395,"upfront_fees":0,"exit_fees":350,"revert_rate":null,"revert_rate_basis":null,"comparison_check":{"ok":false,"ours_at_150k":null,"bank":null,"reason":"revert rate not published"},"restrictions":[],"eligibility":null,"ranked":true,"conditions":["the bank's feed gives comparison rates about 0.8 points below its website's, so none is shown; fees per its fee schedule: \"Establishment Fee - Home Loans (Plus product) ... Nil\", \"Plus Product Fee $395.00 per annum\", \"Discharge Fee $350.00\" (checked 2026-11-10)","$350 discharge fee for a loan secured on freehold property ($100 otherwise)","$395 annual Plus product fee (one fee covers up to four loans on the same security)","$500 break cost administration fee, plus break costs, if the fixed loan is repaid or more than $20,000 is repaid while fixed"],"additional_info":"The comparison rate is calculated on the basis of a secured loan of $150,000 over a term of 25 years.","source_url":"https://openbanking.cairnsbank.com.au/OpenBanking/cds-au/v1/banking/products/L26_PLUS_IO_F1_60","source_snapshot":"/au/finance/home-loans/v1/source/cairns-bank/L26_PLUS_IO_F1_60.json","bank_last_updated":"2026-11-06T07:41:14.000+10:00"},
    {"brand":"Cairns bank","brand_label":"Cairns Bank","brand_slug":"cairns-bank","legal_entity_abn":"68087933757","product_id":"L26_PLUS_PI_F1_60","product_name":"INVESTMENT PLUS HL FIXED 1YR <60 LVR PI","product_label":"Investment Plus Hl Fixed 1YR <60 Lvr Pi","product_url":"https://cairnsbank.com.au/classic-vs-plus/","terms_url":"https://cairnsbank.com.au/information-and-support/disclosure/terms-and-conditions/","record_stale":false,"record_correction":"the bank's feed gives comparison rates about 0.8 points below its website's, so none is shown; fees per its fee schedule: \"Establishment Fee - Home Loans (Plus product) ... Nil\", \"Plus Product Fee $395.00 per annum\", \"Discharge Fee $350.00\" (checked 2026-11-10)","rate_kind":"fixed","lending_rate_type":"FIXED","fixed_months":12,"kind":"fixed_1","purpose":"investment","repayment":"principal_and_interest","rate":0.0654,"rate_pct":6.54,"comparison_rate":null,"comparison_rate_pct":null,"lvr_min":0.0,"lvr_max":60.0,"lvr_source":"text","loan_min":150000.0,"loan_max":2000000.0,"interest_in_advance":false,"offset":true,"redraw":true,"annual_fee":395,"upfront_fees":0,"exit_fees":350,"revert_rate":null,"revert_rate_basis":null,"comparison_check":{"ok":false,"ours_at_150k":null,"bank":null,"reason":"revert rate not published"},"restrictions":[],"eligibility":null,"ranked":true,"conditions":["the bank's feed gives comparison rates about 0.8 points below its website's, so none is shown; fees per its fee schedule: \"Establishment Fee - Home Loans (Plus product) ... Nil\", \"Plus Product Fee $395.00 per annum\", \"Discharge Fee $350.00\" (checked 2026-11-10)","$350 discharge fee for a loan secured on freehold property ($100 otherwise)","$395 annual Plus product fee (one fee covers up to four loans on the same security)","$500 break cost administration fee, plus break costs, if the fixed loan is repaid or more than $20,000 is repaid while fixed"],"additional_info":"The comparison rate is calculated on the basis of a secured loan of $150,000 over a term of 25 years.","source_url":"https://openbanking.cairnsbank.com.au/OpenBanking/cds-au/v1/banking/products/L26_PLUS_PI_F1_60","source_snapshot":"/au/finance/home-loans/v1/source/cairns-bank/L26_PLUS_PI_F1_60.json","bank_last_updated":"2026-11-06T07:41:14.000+10:00"},
    {"brand":"Cairns bank","brand_label":"Cairns Bank","brand_slug":"cairns-bank","legal_entity_abn":"68087933757","product_id":"L26_PLUS_IO_F1_90","product_name":"INVESTMENT PLUS HL FIXED 1YR >90 LVR IO","product_label":"Investment Plus Hl Fixed 1YR >90 Lvr Io","product_url":"https://cairnsbank.com.au/classic-vs-plus/","terms_url":"https://cairnsbank.com.au/information-and-support/disclosure/terms-and-conditions/","record_stale":false,"record_correction":"the bank's feed gives comparison rates about 0.8 points below its website's, so none is shown; fees per its fee schedule: \"Establishment Fee - Home Loans (Plus product) ... Nil\", \"Plus Product Fee $395.00 per annum\", \"Discharge Fee $350.00\" (checked 2026-11-10)","rate_kind":"fixed","lending_rate_type":"FIXED","fixed_months":12,"kind":"fixed_1","purpose":"investment","repayment":"interest_only","rate":0.0719,"rate_pct":7.19,"comparison_rate":null,"comparison_rate_pct":null,"lvr_min":null,"lvr_max":null,"lvr_source":null,"loan_min":150000.0,"loan_max":2000000.0,"interest_in_advance":false,"offset":true,"redraw":true,"annual_fee":395,"upfront_fees":0,"exit_fees":350,"revert_rate":null,"revert_rate_basis":null,"comparison_check":{"ok":false,"ours_at_150k":null,"bank":null,"reason":"revert rate not published"},"restrictions":[],"eligibility":null,"ranked":true,"conditions":["the bank's feed gives comparison rates about 0.8 points below its website's, so none is shown; fees per its fee schedule: \"Establishment Fee - Home Loans (Plus product) ... Nil\", \"Plus Product Fee $395.00 per annum\", \"Discharge Fee $350.00\" (checked 2026-11-10)","LVR not stated; ranked at 80% LVR and below only","$350 discharge fee for a loan secured on freehold property ($100 otherwise)","$395 annual Plus product fee (one fee covers up to four loans on the same security)","$500 break cost administration fee, plus break costs, if the fixed loan is repaid or more than $20,000 is repaid while fixed"],"additional_info":"The comparison rate is calculated on the basis of a secured loan of $150,000 over a term of 25 years.","source_url":"https://openbanking.cairnsbank.com.au/OpenBanking/cds-au/v1/banking/products/L26_PLUS_IO_F1_90","source_snapshot":"/au/finance/home-loans/v1/source/cairns-bank/L26_PLUS_IO_F1_90.json","bank_last_updated":"2026-11-06T07:41:14.000+10:00"},
    {"brand":"Cairns bank","brand_label":"Cairns Bank","brand_slug":"cairns-bank","legal_entity_abn":"68087933757","product_id":"L26_PLUS_PI_F1_90","product_name":"INVESTMENT PLUS HL FIXED 1YR >90 LVR PI","product_label":"Investment Plus Hl Fixed 1YR >90 Lvr Pi","product_url":"https://cairnsbank.com.au/classic-vs-plus/","terms_url":"https://cairnsbank.com.au/information-and-support/disclosure/terms-and-conditions/","record_stale":false,"record_correction":"the bank's feed gives comparison rates about 0.8 points below its website's, so none is shown; fees per its fee schedule: \"Establishment Fee - Home Loans (Plus product) ... Nil\", \"Plus Product Fee $395.00 per annum\", \"Discharge Fee $350.00\" (checked 2026-11-10)","rate_kind":"fixed","lending_rate_type":"FIXED","fixed_months":12,"kind":"fixed_1","purpose":"investment","repayment":"principal_and_interest","rate":0.0699,"rate_pct":6.99,"comparison_rate":null,"comparison_rate_pct":null,"lvr_min":null,"lvr_max":null,"lvr_source":null,"loan_min":150000.0,"loan_max":2000000.0,"interest_in_advance":false,"offset":true,"redraw":true,"annual_fee":395,"upfront_fees":0,"exit_fees":350,"revert_rate":null,"revert_rate_basis":null,"comparison_check":{"ok":false,"ours_at_150k":null,"bank":null,"reason":"revert rate not published"},"restrictions":[],"eligibility":null,"ranked":true,"conditions":["the bank's feed gives comparison rates about 0.8 points below its website's, so none is shown; fees per its fee schedule: \"Establishment Fee - Home Loans (Plus product) ... Nil\", \"Plus Product Fee $395.00 per annum\", \"Discharge Fee $350.00\" (checked 2026-11-10)","LVR not stated; ranked at 80% LVR and below only","$350 discharge fee for a loan secured on freehold property ($100 otherwise)","$395 annual Plus product fee (one fee covers up to four loans on the same security)","$500 break cost administration fee, plus break costs, if the fixed loan is repaid or more than $20,000 is repaid while fixed"],"additional_info":"The comparison rate is calculated on the basis of a secured loan of $150,000 over a term of 25 years.","source_url":"https://openbanking.cairnsbank.com.au/OpenBanking/cds-au/v1/banking/products/L26_PLUS_PI_F1_90","source_snapshot":"/au/finance/home-loans/v1/source/cairns-bank/L26_PLUS_PI_F1_90.json","bank_last_updated":"2026-11-06T07:41:14.000+10:00"},
    {"brand":"Cairns bank","brand_label":"Cairns Bank","brand_slug":"cairns-bank","legal_entity_abn":"68087933757","product_id":"L26_PLUS_IO_F2_60_80","product_name":"INVESTMENT PLUS HL FIXED 2YR 60-80 LVR IO","product_label":"Investment Plus Hl Fixed 2YR 60-80 Lvr Io","product_url":"https://cairnsbank.com.au/classic-vs-plus/","terms_url":"https://cairnsbank.com.au/information-and-support/disclosure/terms-and-conditions/","record_stale":false,"record_correction":"the bank's feed gives comparison rates about 0.8 points below its website's, so none is shown; fees per its fee schedule: \"Establishment Fee - Home Loans (Plus product) ... Nil\", \"Plus Product Fee $395.00 per annum\", \"Discharge Fee $350.00\" (checked 2026-11-10)","rate_kind":"fixed","lending_rate_type":"FIXED","fixed_months":24,"kind":"fixed_2","purpose":"investment","repayment":"interest_only","rate":0.0684,"rate_pct":6.84,"comparison_rate":null,"comparison_rate_pct":null,"lvr_min":null,"lvr_max":null,"lvr_source":null,"loan_min":150000.0,"loan_max":2000000.0,"interest_in_advance":false,"offset":true,"redraw":true,"annual_fee":395,"upfront_fees":0,"exit_fees":350,"revert_rate":null,"revert_rate_basis":null,"comparison_check":{"ok":false,"ours_at_150k":null,"bank":null,"reason":"revert rate not published"},"restrictions":[],"eligibility":null,"ranked":true,"conditions":["the bank's feed gives comparison rates about 0.8 points below its website's, so none is shown; fees per its fee schedule: \"Establishment Fee - Home Loans (Plus product) ... Nil\", \"Plus Product Fee $395.00 per annum\", \"Discharge Fee $350.00\" (checked 2026-11-10)","LVR not stated; ranked at 80% LVR and below only","$350 discharge fee for a loan secured on freehold property ($100 otherwise)","$395 annual Plus product fee (one fee covers up to four loans on the same security)","$500 break cost administration fee, plus break costs, if the fixed loan is repaid or more than $20,000 is repaid while fixed"],"additional_info":"The comparison rate is calculated on the basis of a secured loan of $150,000 over a term of 25 years.","source_url":"https://openbanking.cairnsbank.com.au/OpenBanking/cds-au/v1/banking/products/L26_PLUS_IO_F2_60_80","source_snapshot":"/au/finance/home-loans/v1/source/cairns-bank/L26_PLUS_IO_F2_60_80.json","bank_last_updated":"2026-11-06T07:41:14.000+10:00"},
    {"brand":"Cairns bank","brand_label":"Cairns Bank","brand_slug":"cairns-bank","legal_entity_abn":"68087933757","product_id":"L26_PLUS_PI_F2_60_80","product_name":"INVESTMENT PLUS HL FIXED 2YR 60-80 LVR PI","product_label":"Investment Plus Hl Fixed 2YR 60-80 Lvr Pi","product_url":"https://cairnsbank.com.au/classic-vs-plus/","terms_url":"https://cairnsbank.com.au/information-and-support/disclosure/terms-and-conditions/","record_stale":false,"record_correction":"the bank's feed gives comparison rates about 0.8 points below its website's, so none is shown; fees per its fee schedule: \"Establishment Fee - Home Loans (Plus product) ... Nil\", \"Plus Product Fee $395.00 per annum\", \"Discharge Fee $350.00\" (checked 2026-11-10)","rate_kind":"fixed","lending_rate_type":"FIXED","fixed_months":24,"kind":"fixed_2","purpose":"investment","repayment":"principal_and_interest","rate":0.0664,"rate_pct":6.64,"comparison_rate":null,"comparison_rate_pct":null,"lvr_min":null,"lvr_max":null,"lvr_source":null,"loan_min":150000.0,"loan_max":2000000.0,"interest_in_advance":false,"offset":true,"redraw":true,"annual_fee":395,"upfront_fees":0,"exit_fees":350,"revert_rate":null,"revert_rate_basis":null,"comparison_check":{"ok":false,"ours_at_150k":null,"bank":null,"reason":"revert rate not published"},"restrictions":[],"eligibility":null,"ranked":true,"conditions":["the bank's feed gives comparison rates about 0.8 points below its website's, so none is shown; fees per its fee schedule: \"Establishment Fee - Home Loans (Plus product) ... Nil\", \"Plus Product Fee $395.00 per annum\", \"Discharge Fee $350.00\" (checked 2026-11-10)","LVR not stated; ranked at 80% LVR and below only","$350 discharge fee for a loan secured on freehold property ($100 otherwise)","$395 annual Plus product fee (one fee covers up to four loans on the same security)","$500 break cost administration fee, plus break costs, if the fixed loan is repaid or more than $20,000 is repaid while fixed"],"additional_info":"The comparison rate is calculated on the basis of a secured loan of $150,000 over a term of 25 years.","source_url":"https://openbanking.cairnsbank.com.au/OpenBanking/cds-au/v1/banking/products/L26_PLUS_PI_F2_60_80","source_snapshot":"/au/finance/home-loans/v1/source/cairns-bank/L26_PLUS_PI_F2_60_80.json","bank_last_updated":"2026-11-06T07:41:14.000+10:00"},
    {"brand":"Cairns bank","brand_label":"Cairns Bank","brand_slug":"cairns-bank","legal_entity_abn":"68087933757","product_id":"L26_PLUS_IO_F2_80_90","product_name":"INVESTMENT PLUS HL FIXED 2YR 80-90 LVR IO","product_label":"Investment Plus Hl Fixed 2YR 80-90 Lvr Io","product_url":"https://cairnsbank.com.au/classic-vs-plus/","terms_url":"https://cairnsbank.com.au/information-and-support/disclosure/terms-and-conditions/","record_stale":false,"record_correction":"the bank's feed gives comparison rates about 0.8 points below its website's, so none is shown; fees per its fee schedule: \"Establishment Fee - Home Loans (Plus product) ... Nil\", \"Plus Product Fee $395.00 per annum\", \"Discharge Fee $350.00\" (checked 2026-11-10)","rate_kind":"fixed","lending_rate_type":"FIXED","fixed_months":24,"kind":"fixed_2","purpose":"investment","repayment":"interest_only","rate":0.0704,"rate_pct":7.04,"comparison_rate":null,"comparison_rate_pct":null,"lvr_min":null,"lvr_max":null,"lvr_source":null,"loan_min":150000.0,"loan_max":2000000.0,"interest_in_advance":false,"offset":true,"redraw":true,"annual_fee":395,"upfront_fees":0,"exit_fees":350,"revert_rate":null,"revert_rate_basis":null,"comparison_check":{"ok":false,"ours_at_150k":null,"bank":null,"reason":"revert rate not published"},"restrictions":[],"eligibility":null,"ranked":true,"conditions":["the bank's feed gives comparison rates about 0.8 points below its website's, so none is shown; fees per its fee schedule: \"Establishment Fee - Home Loans (Plus product) ... Nil\", \"Plus Product Fee $395.00 per annum\", \"Discharge Fee $350.00\" (checked 2026-11-10)","LVR not stated; ranked at 80% LVR and below only","$350 discharge fee for a loan secured on freehold property ($100 otherwise)","$395 annual Plus product fee (one fee covers up to four loans on the same security)","$500 break cost administration fee, plus break costs, if the fixed loan is repaid or more than $20,000 is repaid while fixed"],"additional_info":"The comparison rate is calculated on the basis of a secured loan of $150,000 over a term of 25 years.","source_url":"https://openbanking.cairnsbank.com.au/OpenBanking/cds-au/v1/banking/products/L26_PLUS_IO_F2_80_90","source_snapshot":"/au/finance/home-loans/v1/source/cairns-bank/L26_PLUS_IO_F2_80_90.json","bank_last_updated":"2026-11-06T07:41:14.000+10:00"},
    {"brand":"Cairns bank","brand_label":"Cairns Bank","brand_slug":"cairns-bank","legal_entity_abn":"68087933757","product_id":"L26_PLUS_PI_F2_80_90","product_name":"INVESTMENT PLUS HL FIXED 2YR 80-90 LVR PI","product_label":"Investment Plus Hl Fixed 2YR 80-90 Lvr Pi","product_url":"https://cairnsbank.com.au/classic-vs-plus/","terms_url":"https://cairnsbank.com.au/information-and-support/disclosure/terms-and-conditions/","record_stale":false,"record_correction":"the bank's feed gives comparison rates about 0.8 points below its website's, so none is shown; fees per its fee schedule: \"Establishment Fee - Home Loans (Plus product) ... Nil\", \"Plus Product Fee $395.00 per annum\", \"Discharge Fee $350.00\" (checked 2026-11-10)","rate_kind":"fixed","lending_rate_type":"FIXED","fixed_months":24,"kind":"fixed_2","purpose":"investment","repayment":"principal_and_interest","rate":0.0684,"rate_pct":6.84,"comparison_rate":null,"comparison_rate_pct":null,"lvr_min":null,"lvr_max":null,"lvr_source":null,"loan_min":150000.0,"loan_max":2000000.0,"interest_in_advance":false,"offset":true,"redraw":true,"annual_fee":395,"upfront_fees":0,"exit_fees":350,"revert_rate":null,"revert_rate_basis":null,"comparison_check":{"ok":false,"ours_at_150k":null,"bank":null,"reason":"revert rate not published"},"restrictions":[],"eligibility":null,"ranked":true,"conditions":["the bank's feed gives comparison rates about 0.8 points below its website's, so none is shown; fees per its fee schedule: \"Establishment Fee - Home Loans (Plus product) ... Nil\", \"Plus Product Fee $395.00 per annum\", \"Discharge Fee $350.00\" (checked 2026-11-10)","LVR not stated; ranked at 80% LVR and below only","$350 discharge fee for a loan secured on freehold property ($100 otherwise)","$395 annual Plus product fee (one fee covers up to four loans on the same security)","$500 break cost administration fee, plus break costs, if the fixed loan is repaid or more than $20,000 is repaid while fixed"],"additional_info":"The comparison rate is calculated on the basis of a secured loan of $150,000 over a term of 25 years.","source_url":"https://openbanking.cairnsbank.com.au/OpenBanking/cds-au/v1/banking/products/L26_PLUS_PI_F2_80_90","source_snapshot":"/au/finance/home-loans/v1/source/cairns-bank/L26_PLUS_PI_F2_80_90.json","bank_last_updated":"2026-11-06T07:41:14.000+10:00"},
    {"brand":"Cairns bank","brand_label":"Cairns Bank","brand_slug":"cairns-bank","legal_entity_abn":"68087933757","product_id":"L26_PLUS_IO_F2_60","product_name":"INVESTMENT PLUS HL FIXED 2YR <60 LVR IO","product_label":"Investment Plus Hl Fixed 2YR <60 Lvr Io","product_url":"https://cairnsbank.com.au/classic-vs-plus/","terms_url":"https://cairnsbank.com.au/information-and-support/disclosure/terms-and-conditions/","record_stale":false,"record_correction":"the bank's feed gives comparison rates about 0.8 points below its website's, so none is shown; fees per its fee schedule: \"Establishment Fee - Home Loans (Plus product) ... Nil\", \"Plus Product Fee $395.00 per annum\", \"Discharge Fee $350.00\" (checked 2026-11-10)","rate_kind":"fixed","lending_rate_type":"FIXED","fixed_months":24,"kind":"fixed_2","purpose":"investment","repayment":"interest_only","rate":0.0679,"rate_pct":6.79,"comparison_rate":null,"comparison_rate_pct":null,"lvr_min":0.0,"lvr_max":60.0,"lvr_source":"text","loan_min":150000.0,"loan_max":2000000.0,"interest_in_advance":false,"offset":true,"redraw":true,"annual_fee":395,"upfront_fees":0,"exit_fees":350,"revert_rate":null,"revert_rate_basis":null,"comparison_check":{"ok":false,"ours_at_150k":null,"bank":null,"reason":"revert rate not published"},"restrictions":[],"eligibility":null,"ranked":true,"conditions":["the bank's feed gives comparison rates about 0.8 points below its website's, so none is shown; fees per its fee schedule: \"Establishment Fee - Home Loans (Plus product) ... Nil\", \"Plus Product Fee $395.00 per annum\", \"Discharge Fee $350.00\" (checked 2026-11-10)","$350 discharge fee for a loan secured on freehold property ($100 otherwise)","$395 annual Plus product fee (one fee covers up to four loans on the same security)","$500 break cost administration fee, plus break costs, if the fixed loan is repaid or more than $20,000 is repaid while fixed"],"additional_info":"The comparison rate is calculated on the basis of a secured loan of $150,000 over a term of 25 years.","source_url":"https://openbanking.cairnsbank.com.au/OpenBanking/cds-au/v1/banking/products/L26_PLUS_IO_F2_60","source_snapshot":"/au/finance/home-loans/v1/source/cairns-bank/L26_PLUS_IO_F2_60.json","bank_last_updated":"2026-11-06T07:41:14.000+10:00"},
    {"brand":"Cairns bank","brand_label":"Cairns Bank","brand_slug":"cairns-bank","legal_entity_abn":"68087933757","product_id":"L26_PLUS_PI_F2_60","product_name":"INVESTMENT PLUS HL FIXED 2YR <60 LVR PI","product_label":"Investment Plus Hl Fixed 2YR <60 Lvr Pi","product_url":"https://cairnsbank.com.au/classic-vs-plus/","terms_url":"https://cairnsbank.com.au/information-and-support/disclosure/terms-and-conditions/","record_stale":false,"record_correction":"the bank's feed gives comparison rates about 0.8 points below its website's, so none is shown; fees per its fee schedule: \"Establishment Fee - Home Loans (Plus product) ... Nil\", \"Plus Product Fee $395.00 per annum\", \"Discharge Fee $350.00\" (checked 2026-11-10)","rate_kind":"fixed","lending_rate_type":"FIXED","fixed_months":24,"kind":"fixed_2","purpose":"investment","repayment":"principal_and_interest","rate":0.0659,"rate_pct":6.59,"comparison_rate":null,"comparison_rate_pct":null,"lvr_min":0.0,"lvr_max":60.0,"lvr_source":"text","loan_min":150000.0,"loan_max":2000000.0,"interest_in_advance":false,"offset":true,"redraw":true,"annual_fee":395,"upfront_fees":0,"exit_fees":350,"revert_rate":null,"revert_rate_basis":null,"comparison_check":{"ok":false,"ours_at_150k":null,"bank":null,"reason":"revert rate not published"},"restrictions":[],"eligibility":null,"ranked":true,"conditions":["the bank's feed gives comparison rates about 0.8 points below its website's, so none is shown; fees per its fee schedule: \"Establishment Fee - Home Loans (Plus product) ... Nil\", \"Plus Product Fee $395.00 per annum\", \"Discharge Fee $350.00\" (checked 2026-11-10)","$350 discharge fee for a loan secured on freehold property ($100 otherwise)","$395 annual Plus product fee (one fee covers up to four loans on the same security)","$500 break cost administration fee, plus break costs, if the fixed loan is repaid or more than $20,000 is repaid while fixed"],"additional_info":"The comparison rate is calculated on the basis of a secured loan of $150,000 over a term of 25 years.","source_url":"https://openbanking.cairnsbank.com.au/OpenBanking/cds-au/v1/banking/products/L26_PLUS_PI_F2_60","source_snapshot":"/au/finance/home-loans/v1/source/cairns-bank/L26_PLUS_PI_F2_60.json","bank_last_updated":"2026-11-06T07:41:14.000+10:00"},
    {"brand":"Cairns bank","brand_label":"Cairns Bank","brand_slug":"cairns-bank","legal_entity_abn":"68087933757","product_id":"L26_PLUS_IO_F2_90","product_name":"INVESTMENT PLUS HL FIXED 2YR >90 LVR IO","product_label":"Investment Plus Hl Fixed 2YR >90 Lvr Io","product_url":"https://cairnsbank.com.au/classic-vs-plus/","terms_url":"https://cairnsbank.com.au/information-and-support/disclosure/terms-and-conditions/","record_stale":false,"record_correction":"the bank's feed gives comparison rates about 0.8 points below its website's, so none is shown; fees per its fee schedule: \"Establishment Fee - Home Loans (Plus product) ... Nil\", \"Plus Product Fee $395.00 per annum\", \"Discharge Fee $350.00\" (checked 2026-11-10)","rate_kind":"fixed","lending_rate_type":"FIXED","fixed_months":24,"kind":"fixed_2","purpose":"investment","repayment":"interest_only","rate":0.0724,"rate_pct":7.24,"comparison_rate":null,"comparison_rate_pct":null,"lvr_min":null,"lvr_max":null,"lvr_source":null,"loan_min":150000.0,"loan_max":2000000.0,"interest_in_advance":false,"offset":true,"redraw":true,"annual_fee":395,"upfront_fees":0,"exit_fees":350,"revert_rate":null,"revert_rate_basis":null,"comparison_check":{"ok":false,"ours_at_150k":null,"bank":null,"reason":"revert rate not published"},"restrictions":[],"eligibility":null,"ranked":true,"conditions":["the bank's feed gives comparison rates about 0.8 points below its website's, so none is shown; fees per its fee schedule: \"Establishment Fee - Home Loans (Plus product) ... Nil\", \"Plus Product Fee $395.00 per annum\", \"Discharge Fee $350.00\" (checked 2026-11-10)","LVR not stated; ranked at 80% LVR and below only","$350 discharge fee for a loan secured on freehold property ($100 otherwise)","$395 annual Plus product fee (one fee covers up to four loans on the same security)","$500 break cost administration fee, plus break costs, if the fixed loan is repaid or more than $20,000 is repaid while fixed"],"additional_info":"The comparison rate is calculated on the basis of a secured loan of $150,000 over a term of 25 years.","source_url":"https://openbanking.cairnsbank.com.au/OpenBanking/cds-au/v1/banking/products/L26_PLUS_IO_F2_90","source_snapshot":"/au/finance/home-loans/v1/source/cairns-bank/L26_PLUS_IO_F2_90.json","bank_last_updated":"2026-11-06T07:41:14.000+10:00"},
    {"brand":"Cairns bank","brand_label":"Cairns Bank","brand_slug":"cairns-bank","legal_entity_abn":"68087933757","product_id":"L26_PLUS_PI_F2_90","product_name":"INVESTMENT PLUS HL FIXED 2YR >90 LVR PI","product_label":"Investment Plus Hl Fixed 2YR >90 Lvr Pi","product_url":"https://cairnsbank.com.au/classic-vs-plus/","terms_url":"https://cairnsbank.com.au/information-and-support/disclosure/terms-and-conditions/","record_stale":false,"record_correction":"the bank's feed gives comparison rates about 0.8 points below its website's, so none is shown; fees per its fee schedule: \"Establishment Fee - Home Loans (Plus product) ... Nil\", \"Plus Product Fee $395.00 per annum\", \"Discharge Fee $350.00\" (checked 2026-11-10)","rate_kind":"fixed","lending_rate_type":"FIXED","fixed_months":24,"kind":"fixed_2","purpose":"investment","repayment":"principal_and_interest","rate":0.0704,"rate_pct":7.04,"comparison_rate":null,"comparison_rate_pct":null,"lvr_min":null,"lvr_max":null,"lvr_source":null,"loan_min":150000.0,"loan_max":2000000.0,"interest_in_advance":false,"offset":true,"redraw":true,"annual_fee":395,"upfront_fees":0,"exit_fees":350,"revert_rate":null,"revert_rate_basis":null,"comparison_check":{"ok":false,"ours_at_150k":null,"bank":null,"reason":"revert rate not published"},"restrictions":[],"eligibility":null,"ranked":true,"conditions":["the bank's feed gives comparison rates about 0.8 points below its website's, so none is shown; fees per its fee schedule: \"Establishment Fee - Home Loans (Plus product) ... Nil\", \"Plus Product Fee $395.00 per annum\", \"Discharge Fee $350.00\" (checked 2026-11-10)","LVR not stated; ranked at 80% LVR and below only","$350 discharge fee for a loan secured on freehold property ($100 otherwise)","$395 annual Plus product fee (one fee covers up to four loans on the same security)","$500 break cost administration fee, plus break costs, if the fixed loan is repaid or more than $20,000 is repaid while fixed"],"additional_info":"The comparison rate is calculated on the basis of a secured loan of $150,000 over a term of 25 years.","source_url":"https://openbanking.cairnsbank.com.au/OpenBanking/cds-au/v1/banking/products/L26_PLUS_PI_F2_90","source_snapshot":"/au/finance/home-loans/v1/source/cairns-bank/L26_PLUS_PI_F2_90.json","bank_last_updated":"2026-11-06T07:41:14.000+10:00"},
    {"brand":"Cairns bank","brand_label":"Cairns Bank","brand_slug":"cairns-bank","legal_entity_abn":"68087933757","product_id":"L26_PLUS_IO_F3_60_80","product_name":"INVESTMENT PLUS HL FIXED 3YR 60-80 LVR IO","product_label":"Investment Plus Hl Fixed 3YR 60-80 Lvr Io","product_url":"https://cairnsbank.com.au/classic-vs-plus/","terms_url":"https://cairnsbank.com.au/information-and-support/disclosure/terms-and-conditions/","record_stale":false,"record_correction":"the bank's feed gives comparison rates about 0.8 points below its website's, so none is shown; fees per its fee schedule: \"Establishment Fee - Home Loans (Plus product) ... Nil\", \"Plus Product Fee $395.00 per annum\", \"Discharge Fee $350.00\" (checked 2026-11-10)","rate_kind":"fixed","lending_rate_type":"FIXED","fixed_months":36,"kind":"fixed_3","purpose":"investment","repayment":"interest_only","rate":0.0694,"rate_pct":6.94,"comparison_rate":null,"comparison_rate_pct":null,"lvr_min":null,"lvr_max":null,"lvr_source":null,"loan_min":150000.0,"loan_max":2000000.0,"interest_in_advance":false,"offset":true,"redraw":true,"annual_fee":395,"upfront_fees":0,"exit_fees":350,"revert_rate":null,"revert_rate_basis":null,"comparison_check":{"ok":false,"ours_at_150k":null,"bank":null,"reason":"revert rate not published"},"restrictions":[],"eligibility":null,"ranked":true,"conditions":["the bank's feed gives comparison rates about 0.8 points below its website's, so none is shown; fees per its fee schedule: \"Establishment Fee - Home Loans (Plus product) ... Nil\", \"Plus Product Fee $395.00 per annum\", \"Discharge Fee $350.00\" (checked 2026-11-10)","LVR not stated; ranked at 80% LVR and below only","$350 discharge fee for a loan secured on freehold property ($100 otherwise)","$395 annual Plus product fee (one fee covers up to four loans on the same security)","$500 break cost administration fee, plus break costs, if the fixed loan is repaid or more than $20,000 is repaid while fixed"],"additional_info":"The comparison rate is calculated on the basis of a secured loan of $150,000 over a term of 25 years.","source_url":"https://openbanking.cairnsbank.com.au/OpenBanking/cds-au/v1/banking/products/L26_PLUS_IO_F3_60_80","source_snapshot":"/au/finance/home-loans/v1/source/cairns-bank/L26_PLUS_IO_F3_60_80.json","bank_last_updated":"2026-11-06T07:41:14.000+10:00"},
    {"brand":"Cairns bank","brand_label":"Cairns Bank","brand_slug":"cairns-bank","legal_entity_abn":"68087933757","product_id":"L26_PLUS_PI_F3_60_80","product_name":"INVESTMENT PLUS HL FIXED 3YR 60-80 LVR PI","product_label":"Investment Plus Hl Fixed 3YR 60-80 Lvr Pi","product_url":"https://cairnsbank.com.au/classic-vs-plus/","terms_url":"https://cairnsbank.com.au/information-and-support/disclosure/terms-and-conditions/","record_stale":false,"record_correction":"the bank's feed gives comparison rates about 0.8 points below its website's, so none is shown; fees per its fee schedule: \"Establishment Fee - Home Loans (Plus product) ... Nil\", \"Plus Product Fee $395.00 per annum\", \"Discharge Fee $350.00\" (checked 2026-11-10)","rate_kind":"fixed","lending_rate_type":"FIXED","fixed_months":36,"kind":"fixed_3","purpose":"investment","repayment":"principal_and_interest","rate":0.0674,"rate_pct":6.74,"comparison_rate":null,"comparison_rate_pct":null,"lvr_min":null,"lvr_max":null,"lvr_source":null,"loan_min":150000.0,"loan_max":2000000.0,"interest_in_advance":false,"offset":true,"redraw":true,"annual_fee":395,"upfront_fees":0,"exit_fees":350,"revert_rate":null,"revert_rate_basis":null,"comparison_check":{"ok":false,"ours_at_150k":null,"bank":null,"reason":"revert rate not published"},"restrictions":[],"eligibility":null,"ranked":true,"conditions":["the bank's feed gives comparison rates about 0.8 points below its website's, so none is shown; fees per its fee schedule: \"Establishment Fee - Home Loans (Plus product) ... Nil\", \"Plus Product Fee $395.00 per annum\", \"Discharge Fee $350.00\" (checked 2026-11-10)","LVR not stated; ranked at 80% LVR and below only","$350 discharge fee for a loan secured on freehold property ($100 otherwise)","$395 annual Plus product fee (one fee covers up to four loans on the same security)","$500 break cost administration fee, plus break costs, if the fixed loan is repaid or more than $20,000 is repaid while fixed"],"additional_info":"The comparison rate is calculated on the basis of a secured loan of $150,000 over a term of 25 years.","source_url":"https://openbanking.cairnsbank.com.au/OpenBanking/cds-au/v1/banking/products/L26_PLUS_PI_F3_60_80","source_snapshot":"/au/finance/home-loans/v1/source/cairns-bank/L26_PLUS_PI_F3_60_80.json","bank_last_updated":"2026-11-06T07:41:14.000+10:00"},
    {"brand":"Cairns bank","brand_label":"Cairns Bank","brand_slug":"cairns-bank","legal_entity_abn":"68087933757","product_id":"L26_PLUS_PI_F3_80_90","product_name":"INVESTMENT PLUS HL FIXED 3YR 80-90 LVR PI","product_label":"Investment Plus Hl Fixed 3YR 80-90 Lvr Pi","product_url":"https://cairnsbank.com.au/classic-vs-plus/","terms_url":"https://cairnsbank.com.au/information-and-support/disclosure/terms-and-conditions/","record_stale":false,"record_correction":"the bank's feed gives comparison rates about 0.8 points below its website's, so none is shown; fees per its fee schedule: \"Establishment Fee - Home Loans (Plus product) ... Nil\", \"Plus Product Fee $395.00 per annum\", \"Discharge Fee $350.00\" (checked 2026-11-10)","rate_kind":"fixed","lending_rate_type":"FIXED","fixed_months":36,"kind":"fixed_3","purpose":"investment","repayment":"principal_and_interest","rate":0.0694,"rate_pct":6.94,"comparison_rate":null,"comparison_rate_pct":null,"lvr_min":null,"lvr_max":null,"lvr_source":null,"loan_min":150000.0,"loan_max":2000000.0,"interest_in_advance":false,"offset":true,"redraw":true,"annual_fee":395,"upfront_fees":0,"exit_fees":350,"revert_rate":null,"revert_rate_basis":null,"comparison_check":{"ok":false,"ours_at_150k":null,"bank":null,"reason":"revert rate not published"},"restrictions":[],"eligibility":null,"ranked":true,"conditions":["the bank's feed gives comparison rates about 0.8 points below its website's, so none is shown; fees per its fee schedule: \"Establishment Fee - Home Loans (Plus product) ... Nil\", \"Plus Product Fee $395.00 per annum\", \"Discharge Fee $350.00\" (checked 2026-11-10)","LVR not stated; ranked at 80% LVR and below only","$350 discharge fee for a loan secured on freehold property ($100 otherwise)","$395 annual Plus product fee (one fee covers up to four loans on the same security)","$500 break cost administration fee, plus break costs, if the fixed loan is repaid or more than $20,000 is repaid while fixed"],"additional_info":"The comparison rate is calculated on the basis of a secured loan of $150,000 over a term of 25 years.","source_url":"https://openbanking.cairnsbank.com.au/OpenBanking/cds-au/v1/banking/products/L26_PLUS_PI_F3_80_90","source_snapshot":"/au/finance/home-loans/v1/source/cairns-bank/L26_PLUS_PI_F3_80_90.json","bank_last_updated":"2026-11-06T07:41:14.000+10:00"},
    {"brand":"Cairns bank","brand_label":"Cairns Bank","brand_slug":"cairns-bank","legal_entity_abn":"68087933757","product_id":"L26_PLUS_IO_F3_60","product_name":"INVESTMENT PLUS HL FIXED 3YR <60 LVR IO","product_label":"Investment Plus Hl Fixed 3YR <60 Lvr Io","product_url":"https://cairnsbank.com.au/classic-vs-plus/","terms_url":"https://cairnsbank.com.au/information-and-support/disclosure/terms-and-conditions/","record_stale":false,"record_correction":"the bank's feed gives comparison rates about 0.8 points below its website's, so none is shown; fees per its fee schedule: \"Establishment Fee - Home Loans (Plus product) ... Nil\", \"Plus Product Fee $395.00 per annum\", \"Discharge Fee $350.00\" (checked 2026-11-10)","rate_kind":"fixed","lending_rate_type":"FIXED","fixed_months":36,"kind":"fixed_3","purpose":"investment","repayment":"interest_only","rate":0.0689,"rate_pct":6.89,"comparison_rate":null,"comparison_rate_pct":null,"lvr_min":0.0,"lvr_max":60.0,"lvr_source":"text","loan_min":150000.0,"loan_max":2000000.0,"interest_in_advance":false,"offset":true,"redraw":true,"annual_fee":395,"upfront_fees":0,"exit_fees":350,"revert_rate":null,"revert_rate_basis":null,"comparison_check":{"ok":false,"ours_at_150k":null,"bank":null,"reason":"revert rate not published"},"restrictions":[],"eligibility":null,"ranked":true,"conditions":["the bank's feed gives comparison rates about 0.8 points below its website's, so none is shown; fees per its fee schedule: \"Establishment Fee - Home Loans (Plus product) ... Nil\", \"Plus Product Fee $395.00 per annum\", \"Discharge Fee $350.00\" (checked 2026-11-10)","$350 discharge fee for a loan secured on freehold property ($100 otherwise)","$395 annual Plus product fee (one fee covers up to four loans on the same security)","$500 break cost administration fee, plus break costs, if the fixed loan is repaid or more than $20,000 is repaid while fixed"],"additional_info":"The comparison rate is calculated on the basis of a secured loan of $150,000 over a term of 25 years.","source_url":"https://openbanking.cairnsbank.com.au/OpenBanking/cds-au/v1/banking/products/L26_PLUS_IO_F3_60","source_snapshot":"/au/finance/home-loans/v1/source/cairns-bank/L26_PLUS_IO_F3_60.json","bank_last_updated":"2026-11-06T07:41:14.000+10:00"},
    {"brand":"Cairns bank","brand_label":"Cairns Bank","brand_slug":"cairns-bank","legal_entity_abn":"68087933757","product_id":"L26_PLUS_PI_F3_60","product_name":"INVESTMENT PLUS HL FIXED 3YR <60 LVR PI","product_label":"Investment Plus Hl Fixed 3YR <60 Lvr Pi","product_url":"https://cairnsbank.com.au/classic-vs-plus/","terms_url":"https://cairnsbank.com.au/information-and-support/disclosure/terms-and-conditions/","record_stale":false,"record_correction":"the bank's feed gives comparison rates about 0.8 points below its website's, so none is shown; fees per its fee schedule: \"Establishment Fee - Home Loans (Plus product) ... Nil\", \"Plus Product Fee $395.00 per annum\", \"Discharge Fee $350.00\" (checked 2026-11-10)","rate_kind":"fixed","lending_rate_type":"FIXED","fixed_months":36,"kind":"fixed_3","purpose":"investment","repayment":"principal_and_interest","rate":0.0669,"rate_pct":6.69,"comparison_rate":null,"comparison_rate_pct":null,"lvr_min":0.0,"lvr_max":60.0,"lvr_source":"text","loan_min":150000.0,"loan_max":2000000.0,"interest_in_advance":false,"offset":true,"redraw":true,"annual_fee":395,"upfront_fees":0,"exit_fees":350,"revert_rate":null,"revert_rate_basis":null,"comparison_check":{"ok":false,"ours_at_150k":null,"bank":null,"reason":"revert rate not published"},"restrictions":[],"eligibility":null,"ranked":true,"conditions":["the bank's feed gives comparison rates about 0.8 points below its website's, so none is shown; fees per its fee schedule: \"Establishment Fee - Home Loans (Plus product) ... Nil\", \"Plus Product Fee $395.00 per annum\", \"Discharge Fee $350.00\" (checked 2026-11-10)","$350 discharge fee for a loan secured on freehold property ($100 otherwise)","$395 annual Plus product fee (one fee covers up to four loans on the same security)","$500 break cost administration fee, plus break costs, if the fixed loan is repaid or more than $20,000 is repaid while fixed"],"additional_info":"The comparison rate is calculated on the basis of a secured loan of $150,000 over a term of 25 years.","source_url":"https://openbanking.cairnsbank.com.au/OpenBanking/cds-au/v1/banking/products/L26_PLUS_PI_F3_60","source_snapshot":"/au/finance/home-loans/v1/source/cairns-bank/L26_PLUS_PI_F3_60.json","bank_last_updated":"2026-11-06T07:41:14.000+10:00"},
    {"brand":"Cairns bank","brand_label":"Cairns Bank","brand_slug":"cairns-bank","legal_entity_abn":"68087933757","product_id":"L26_PLUS_IO_F3_90","product_name":"INVESTMENT PLUS HL FIXED 3YR >90 LVR IO","product_label":"Investment Plus Hl Fixed 3YR >90 Lvr Io","product_url":"https://cairnsbank.com.au/classic-vs-plus/","terms_url":"https://cairnsbank.com.au/information-and-support/disclosure/terms-and-conditions/","record_stale":false,"record_correction":"the bank's feed gives comparison rates about 0.8 points below its website's, so none is shown; fees per its fee schedule: \"Establishment Fee - Home Loans (Plus product) ... Nil\", \"Plus Product Fee $395.00 per annum\", \"Discharge Fee $350.00\" (checked 2026-11-10)","rate_kind":"fixed","lending_rate_type":"FIXED","fixed_months":36,"kind":"fixed_3","purpose":"investment","repayment":"interest_only","rate":0.0734,"rate_pct":7.34,"comparison_rate":null,"comparison_rate_pct":null,"lvr_min":null,"lvr_max":null,"lvr_source":null,"loan_min":150000.0,"loan_max":2000000.0,"interest_in_advance":false,"offset":true,"redraw":true,"annual_fee":395,"upfront_fees":0,"exit_fees":350,"revert_rate":null,"revert_rate_basis":null,"comparison_check":{"ok":false,"ours_at_150k":null,"bank":null,"reason":"revert rate not published"},"restrictions":[],"eligibility":null,"ranked":true,"conditions":["the bank's feed gives comparison rates about 0.8 points below its website's, so none is shown; fees per its fee schedule: \"Establishment Fee - Home Loans (Plus product) ... Nil\", \"Plus Product Fee $395.00 per annum\", \"Discharge Fee $350.00\" (checked 2026-11-10)","LVR not stated; ranked at 80% LVR and below only","$350 discharge fee for a loan secured on freehold property ($100 otherwise)","$395 annual Plus product fee (one fee covers up to four loans on the same security)","$500 break cost administration fee, plus break costs, if the fixed loan is repaid or more than $20,000 is repaid while fixed"],"additional_info":"The comparison rate is calculated on the basis of a secured loan of $150,000 over a term of 25 years.","source_url":"https://openbanking.cairnsbank.com.au/OpenBanking/cds-au/v1/banking/products/L26_PLUS_IO_F3_90","source_snapshot":"/au/finance/home-loans/v1/source/cairns-bank/L26_PLUS_IO_F3_90.json","bank_last_updated":"2026-11-06T07:41:14.000+10:00"},
    {"brand":"Cairns bank","brand_label":"Cairns Bank","brand_slug":"cairns-bank","legal_entity_abn":"68087933757","product_id":"L26_PLUS_PI_F3_90","product_name":"INVESTMENT PLUS HL FIXED 3YR >90 LVR PI","product_label":"Investment Plus Hl Fixed 3YR >90 Lvr Pi","product_url":"https://cairnsbank.com.au/classic-vs-plus/","terms_url":"https://cairnsbank.com.au/information-and-support/disclosure/terms-and-conditions/","record_stale":false,"record_correction":"the bank's feed gives comparison rates about 0.8 points below its website's, so none is shown; fees per its fee schedule: \"Establishment Fee - Home Loans (Plus product) ... Nil\", \"Plus Product Fee $395.00 per annum\", \"Discharge Fee $350.00\" (checked 2026-11-10)","rate_kind":"fixed","lending_rate_type":"FIXED","fixed_months":36,"kind":"fixed_3","purpose":"investment","repayment":"principal_and_interest","rate":0.0714,"rate_pct":7.14,"comparison_rate":null,"comparison_rate_pct":null,"lvr_min":null,"lvr_max":null,"lvr_source":null,"loan_min":150000.0,"loan_max":2000000.0,"interest_in_advance":false,"offset":true,"redraw":true,"annual_fee":395,"upfront_fees":0,"exit_fees":350,"revert_rate":null,"revert_rate_basis":null,"comparison_check":{"ok":false,"ours_at_150k":null,"bank":null,"reason":"revert rate not published"},"restrictions":[],"eligibility":null,"ranked":true,"conditions":["the bank's feed gives comparison rates about 0.8 points below its website's, so none is shown; fees per its fee schedule: \"Establishment Fee - Home Loans (Plus product) ... Nil\", \"Plus Product Fee $395.00 per annum\", \"Discharge Fee $350.00\" (checked 2026-11-10)","LVR not stated; ranked at 80% LVR and below only","$350 discharge fee for a loan secured on freehold property ($100 otherwise)","$395 annual Plus product fee (one fee covers up to four loans on the same security)","$500 break cost administration fee, plus break costs, if the fixed loan is repaid or more than $20,000 is repaid while fixed"],"additional_info":"The comparison rate is calculated on the basis of a secured loan of $150,000 over a term of 25 years.","source_url":"https://openbanking.cairnsbank.com.au/OpenBanking/cds-au/v1/banking/products/L26_PLUS_PI_F3_90","source_snapshot":"/au/finance/home-loans/v1/source/cairns-bank/L26_PLUS_PI_F3_90.json","bank_last_updated":"2026-11-06T07:41:14.000+10:00"},
    {"brand":"Cairns bank","brand_label":"Cairns Bank","brand_slug":"cairns-bank","legal_entity_abn":"68087933757","product_id":"L26_PLUS_IO_F3_80_90","product_name":"INVESTMENT PLUS HL PLUS FIXED 3YR 80-90 LVR IO","product_label":"Investment Plus Hl Plus Fixed 3YR 80-90 Lvr Io","product_url":"https://cairnsbank.com.au/classic-vs-plus/","terms_url":"https://cairnsbank.com.au/information-and-support/disclosure/terms-and-conditions/","record_stale":false,"record_correction":"the bank's feed gives comparison rates about 0.8 points below its website's, so none is shown; fees per its fee schedule: \"Establishment Fee - Home Loans (Plus product) ... Nil\", \"Plus Product Fee $395.00 per annum\", \"Discharge Fee $350.00\" (checked 2026-11-10)","rate_kind":"fixed","lending_rate_type":"FIXED","fixed_months":36,"kind":"fixed_3","purpose":"investment","repayment":"interest_only","rate":0.0714,"rate_pct":7.14,"comparison_rate":null,"comparison_rate_pct":null,"lvr_min":null,"lvr_max":null,"lvr_source":null,"loan_min":150000.0,"loan_max":2000000.0,"interest_in_advance":false,"offset":true,"redraw":true,"annual_fee":395,"upfront_fees":0,"exit_fees":350,"revert_rate":null,"revert_rate_basis":null,"comparison_check":{"ok":false,"ours_at_150k":null,"bank":null,"reason":"revert rate not published"},"restrictions":[],"eligibility":null,"ranked":true,"conditions":["the bank's feed gives comparison rates about 0.8 points below its website's, so none is shown; fees per its fee schedule: \"Establishment Fee - Home Loans (Plus product) ... Nil\", \"Plus Product Fee $395.00 per annum\", \"Discharge Fee $350.00\" (checked 2026-11-10)","LVR not stated; ranked at 80% LVR and below only","$350 discharge fee for a loan secured on freehold property ($100 otherwise)","$395 annual Plus product fee (one fee covers up to four loans on the same security)","$500 break cost administration fee, plus break costs, if the fixed loan is repaid or more than $20,000 is repaid while fixed"],"additional_info":"The comparison rate is calculated on the basis of a secured loan of $150,000 over a term of 25 years.","source_url":"https://openbanking.cairnsbank.com.au/OpenBanking/cds-au/v1/banking/products/L26_PLUS_IO_F3_80_90","source_snapshot":"/au/finance/home-loans/v1/source/cairns-bank/L26_PLUS_IO_F3_80_90.json","bank_last_updated":"2026-11-06T07:41:14.000+10:00"},
    {"brand":"Cairns bank","brand_label":"Cairns Bank","brand_slug":"cairns-bank","legal_entity_abn":"68087933757","product_id":"L26_PLUS_IO_VAR_60_80","product_name":"INVESTMENT PLUS HL VARIABLE 60-80 LVR IO","product_label":"Investment Plus Hl Variable 60-80 Lvr Io","product_url":"https://cairnsbank.com.au/classic-vs-plus/","terms_url":"https://cairnsbank.com.au/information-and-support/disclosure/terms-and-conditions/","record_stale":false,"record_correction":"the bank's feed gives comparison rates about 0.8 points below its website's, so none is shown; fees per its fee schedule: \"Establishment Fee - Home Loans (Plus product) ... Nil\", \"Plus Product Fee $395.00 per annum\", \"Discharge Fee $350.00\" (checked 2026-11-10)","rate_kind":"variable","lending_rate_type":"VARIABLE","fixed_months":null,"kind":"variable","purpose":"investment","repayment":"interest_only","rate":0.0694,"rate_pct":6.94,"comparison_rate":null,"comparison_rate_pct":null,"lvr_min":null,"lvr_max":null,"lvr_source":null,"loan_min":150000.0,"loan_max":2000000.0,"interest_in_advance":false,"offset":true,"redraw":true,"annual_fee":395,"upfront_fees":0,"exit_fees":350,"revert_rate":null,"revert_rate_basis":null,"comparison_check":{"ok":false,"ours_at_150k":7.29,"bank":null,"reason":"no bank comparison rate"},"restrictions":[],"eligibility":null,"ranked":true,"conditions":["the bank's feed gives comparison rates about 0.8 points below its website's, so none is shown; fees per its fee schedule: \"Establishment Fee - Home Loans (Plus product) ... Nil\", \"Plus Product Fee $395.00 per annum\", \"Discharge Fee $350.00\" (checked 2026-11-10)","LVR not stated; ranked at 80% LVR and below only","$350 discharge fee for a loan secured on freehold property ($100 otherwise)","$395 annual Plus product fee (one fee covers up to four loans on the same security)"],"additional_info":null,"source_url":"https://openbanking.cairnsbank.com.au/OpenBanking/cds-au/v1/banking/products/L26_PLUS_IO_VAR_60_80","source_snapshot":"/au/finance/home-loans/v1/source/cairns-bank/L26_PLUS_IO_VAR_60_80.json","bank_last_updated":"2026-11-06T07:41:14.000+10:00"},
    {"brand":"Cairns bank","brand_label":"Cairns Bank","brand_slug":"cairns-bank","legal_entity_abn":"68087933757","product_id":"L26_PLUS_PI_VAR_60_80","product_name":"INVESTMENT PLUS HL VARIABLE 60-80 LVR PI","product_label":"Investment Plus Hl Variable 60-80 Lvr Pi","product_url":"https://cairnsbank.com.au/classic-vs-plus/","terms_url":"https://cairnsbank.com.au/information-and-support/disclosure/terms-and-conditions/","record_stale":false,"record_correction":"the bank's feed gives comparison rates about 0.8 points below its website's, so none is shown; fees per its fee schedule: \"Establishment Fee - Home Loans (Plus product) ... Nil\", \"Plus Product Fee $395.00 per annum\", \"Discharge Fee $350.00\" (checked 2026-11-10)","rate_kind":"variable","lending_rate_type":"VARIABLE","fixed_months":null,"kind":"variable","purpose":"investment","repayment":"principal_and_interest","rate":0.0674,"rate_pct":6.74,"comparison_rate":null,"comparison_rate_pct":null,"lvr_min":null,"lvr_max":null,"lvr_source":null,"loan_min":150000.0,"loan_max":2000000.0,"interest_in_advance":false,"offset":true,"redraw":true,"annual_fee":395,"upfront_fees":0,"exit_fees":350,"revert_rate":null,"revert_rate_basis":null,"comparison_check":{"ok":false,"ours_at_150k":7.09,"bank":null,"reason":"no bank comparison rate"},"restrictions":[],"eligibility":null,"ranked":true,"conditions":["the bank's feed gives comparison rates about 0.8 points below its website's, so none is shown; fees per its fee schedule: \"Establishment Fee - Home Loans (Plus product) ... Nil\", \"Plus Product Fee $395.00 per annum\", \"Discharge Fee $350.00\" (checked 2026-11-10)","LVR not stated; ranked at 80% LVR and below only","$350 discharge fee for a loan secured on freehold property ($100 otherwise)","$395 annual Plus product fee (one fee covers up to four loans on the same security)"],"additional_info":"The comparison rate is calculated on the basis of a secured loan of $150,000 over a term of 25 years.","source_url":"https://openbanking.cairnsbank.com.au/OpenBanking/cds-au/v1/banking/products/L26_PLUS_PI_VAR_60_80","source_snapshot":"/au/finance/home-loans/v1/source/cairns-bank/L26_PLUS_PI_VAR_60_80.json","bank_last_updated":"2026-11-06T07:41:14.000+10:00"},
    {"brand":"Cairns bank","brand_label":"Cairns Bank","brand_slug":"cairns-bank","legal_entity_abn":"68087933757","product_id":"L26_PLUS_IO_VAR_80_90","product_name":"INVESTMENT PLUS HL VARIABLE 80-90 LVR IO","product_label":"Investment Plus Hl Variable 80-90 Lvr Io","product_url":"https://cairnsbank.com.au/classic-vs-plus/","terms_url":"https://cairnsbank.com.au/information-and-support/disclosure/terms-and-conditions/","record_stale":false,"record_correction":"the bank's feed gives comparison rates about 0.8 points below its website's, so none is shown; fees per its fee schedule: \"Establishment Fee - Home Loans (Plus product) ... Nil\", \"Plus Product Fee $395.00 per annum\", \"Discharge Fee $350.00\" (checked 2026-11-10)","rate_kind":"variable","lending_rate_type":"VARIABLE","fixed_months":null,"kind":"variable","purpose":"investment","repayment":"interest_only","rate":0.0714,"rate_pct":7.14,"comparison_rate":null,"comparison_rate_pct":null,"lvr_min":null,"lvr_max":null,"lvr_source":null,"loan_min":150000.0,"loan_max":2000000.0,"interest_in_advance":false,"offset":true,"redraw":true,"annual_fee":395,"upfront_fees":0,"exit_fees":350,"revert_rate":null,"revert_rate_basis":null,"comparison_check":{"ok":false,"ours_at_150k":7.48,"bank":null,"reason":"no bank comparison rate"},"restrictions":[],"eligibility":null,"ranked":true,"conditions":["the bank's feed gives comparison rates about 0.8 points below its website's, so none is shown; fees per its fee schedule: \"Establishment Fee - Home Loans (Plus product) ... Nil\", \"Plus Product Fee $395.00 per annum\", \"Discharge Fee $350.00\" (checked 2026-11-10)","LVR not stated; ranked at 80% LVR and below only","$350 discharge fee for a loan secured on freehold property ($100 otherwise)","$395 annual Plus product fee (one fee covers up to four loans on the same security)"],"additional_info":"The comparison rate is calculated on the basis of a secured loan of $150,000 over a term of 25 years.","source_url":"https://openbanking.cairnsbank.com.au/OpenBanking/cds-au/v1/banking/products/L26_PLUS_IO_VAR_80_90","source_snapshot":"/au/finance/home-loans/v1/source/cairns-bank/L26_PLUS_IO_VAR_80_90.json","bank_last_updated":"2026-11-06T07:41:14.000+10:00"},
    {"brand":"Cairns bank","brand_label":"Cairns Bank","brand_slug":"cairns-bank","legal_entity_abn":"68087933757","product_id":"L26_PLUS_PI_VAR_80_90","product_name":"INVESTMENT PLUS HL VARIABLE 80-90 LVR PI","product_label":"Investment Plus Hl Variable 80-90 Lvr Pi","product_url":"https://cairnsbank.com.au/classic-vs-plus/","terms_url":"https://cairnsbank.com.au/information-and-support/disclosure/terms-and-conditions/","record_stale":false,"record_correction":"the bank's feed gives comparison rates about 0.8 points below its website's, so none is shown; fees per its fee schedule: \"Establishment Fee - Home Loans (Plus product) ... Nil\", \"Plus Product Fee $395.00 per annum\", \"Discharge Fee $350.00\" (checked 2026-11-10)","rate_kind":"variable","lending_rate_type":"VARIABLE","fixed_months":null,"kind":"variable","purpose":"investment","repayment":"principal_and_interest","rate":0.0694,"rate_pct":6.94,"comparison_rate":null,"comparison_rate_pct":null,"lvr_min":null,"lvr_max":null,"lvr_source":null,"loan_min":150000.0,"loan_max":2000000.0,"interest_in_advance":false,"offset":true,"redraw":true,"annual_fee":395,"upfront_fees":0,"exit_fees":350,"revert_rate":null,"revert_rate_basis":null,"comparison_check":{"ok":false,"ours_at_150k":7.29,"bank":null,"reason":"no bank comparison rate"},"restrictions":[],"eligibility":null,"ranked":true,"conditions":["the bank's feed gives comparison rates about 0.8 points below its website's, so none is shown; fees per its fee schedule: \"Establishment Fee - Home Loans (Plus product) ... Nil\", \"Plus Product Fee $395.00 per annum\", \"Discharge Fee $350.00\" (checked 2026-11-10)","LVR not stated; ranked at 80% LVR and below only","$350 discharge fee for a loan secured on freehold property ($100 otherwise)","$395 annual Plus product fee (one fee covers up to four loans on the same security)"],"additional_info":"The comparison rate is calculated on the basis of a secured loan of $150,000 over a term of 25 years.","source_url":"https://openbanking.cairnsbank.com.au/OpenBanking/cds-au/v1/banking/products/L26_PLUS_PI_VAR_80_90","source_snapshot":"/au/finance/home-loans/v1/source/cairns-bank/L26_PLUS_PI_VAR_80_90.json","bank_last_updated":"2026-11-06T07:41:14.000+10:00"},
    {"brand":"Cairns bank","brand_label":"Cairns Bank","brand_slug":"cairns-bank","legal_entity_abn":"68087933757","product_id":"L26_PLUS_IO_VAR_60","product_name":"INVESTMENT PLUS HL VARIABLE <60 LVR IO","product_label":"Investment Plus Hl Variable <60 Lvr Io","product_url":"https://cairnsbank.com.au/classic-vs-plus/","terms_url":"https://cairnsbank.com.au/information-and-support/disclosure/terms-and-conditions/","record_stale":false,"record_correction":"the bank's feed gives comparison rates about 0.8 points below its website's, so none is shown; fees per its fee schedule: \"Establishment Fee - Home Loans (Plus product) ... Nil\", \"Plus Product Fee $395.00 per annum\", \"Discharge Fee $350.00\" (checked 2026-11-10)","rate_kind":"variable","lending_rate_type":"VARIABLE","fixed_months":null,"kind":"variable","purpose":"investment","repayment":"interest_only","rate":0.0689,"rate_pct":6.89,"comparison_rate":null,"comparison_rate_pct":null,"lvr_min":0.0,"lvr_max":60.0,"lvr_source":"text","loan_min":150000.0,"loan_max":2000000.0,"interest_in_advance":false,"offset":true,"redraw":true,"annual_fee":395,"upfront_fees":0,"exit_fees":350,"revert_rate":null,"revert_rate_basis":null,"comparison_check":{"ok":false,"ours_at_150k":7.24,"bank":null,"reason":"no bank comparison rate"},"restrictions":[],"eligibility":null,"ranked":true,"conditions":["the bank's feed gives comparison rates about 0.8 points below its website's, so none is shown; fees per its fee schedule: \"Establishment Fee - Home Loans (Plus product) ... Nil\", \"Plus Product Fee $395.00 per annum\", \"Discharge Fee $350.00\" (checked 2026-11-10)","$350 discharge fee for a loan secured on freehold property ($100 otherwise)","$395 annual Plus product fee (one fee covers up to four loans on the same security)"],"additional_info":"The comparison rate is calculated on the basis of a secured loan of $150,000 over a term of 25 years.","source_url":"https://openbanking.cairnsbank.com.au/OpenBanking/cds-au/v1/banking/products/L26_PLUS_IO_VAR_60","source_snapshot":"/au/finance/home-loans/v1/source/cairns-bank/L26_PLUS_IO_VAR_60.json","bank_last_updated":"2026-11-06T07:41:14.000+10:00"},
    {"brand":"Cairns bank","brand_label":"Cairns Bank","brand_slug":"cairns-bank","legal_entity_abn":"68087933757","product_id":"L26_PLUS_PI_VAR_60","product_name":"INVESTMENT PLUS HL VARIABLE <60 LVR PI","product_label":"Investment Plus Hl Variable <60 Lvr Pi","product_url":"https://cairnsbank.com.au/classic-vs-plus/","terms_url":"https://cairnsbank.com.au/information-and-support/disclosure/terms-and-conditions/","record_stale":false,"record_correction":"the bank's feed gives comparison rates about 0.8 points below its website's, so none is shown; fees per its fee schedule: \"Establishment Fee - Home Loans (Plus product) ... Nil\", \"Plus Product Fee $395.00 per annum\", \"Discharge Fee $350.00\" (checked 2026-11-10)","rate_kind":"variable","lending_rate_type":"VARIABLE","fixed_months":null,"kind":"variable","purpose":"investment","repayment":"principal_and_interest","rate":0.0669,"rate_pct":6.69,"comparison_rate":null,"comparison_rate_pct":null,"lvr_min":0.0,"lvr_max":60.0,"lvr_source":"text","loan_min":150000.0,"loan_max":2000000.0,"interest_in_advance":false,"offset":true,"redraw":true,"annual_fee":395,"upfront_fees":0,"exit_fees":350,"revert_rate":null,"revert_rate_basis":null,"comparison_check":{"ok":false,"ours_at_150k":7.04,"bank":null,"reason":"no bank comparison rate"},"restrictions":[],"eligibility":null,"ranked":true,"conditions":["the bank's feed gives comparison rates about 0.8 points below its website's, so none is shown; fees per its fee schedule: \"Establishment Fee - Home Loans (Plus product) ... Nil\", \"Plus Product Fee $395.00 per annum\", \"Discharge Fee $350.00\" (checked 2026-11-10)","$350 discharge fee for a loan secured on freehold property ($100 otherwise)","$395 annual Plus product fee (one fee covers up to four loans on the same security)"],"additional_info":"The comparison rate is calculated on the basis of a secured loan of $150,000 over a term of 25 years.","source_url":"https://openbanking.cairnsbank.com.au/OpenBanking/cds-au/v1/banking/products/L26_PLUS_PI_VAR_60","source_snapshot":"/au/finance/home-loans/v1/source/cairns-bank/L26_PLUS_PI_VAR_60.json","bank_last_updated":"2026-11-06T07:41:14.000+10:00"},
    {"brand":"Cairns bank","brand_label":"Cairns Bank","brand_slug":"cairns-bank","legal_entity_abn":"68087933757","product_id":"L26_PLUS_IO_VAR_90","product_name":"INVESTMENT PLUS HL VARIABLE >90 LVR IO","product_label":"Investment Plus Hl Variable >90 Lvr Io","product_url":"https://cairnsbank.com.au/classic-vs-plus/","terms_url":"https://cairnsbank.com.au/information-and-support/disclosure/terms-and-conditions/","record_stale":false,"record_correction":"the bank's feed gives comparison rates about 0.8 points below its website's, so none is shown; fees per its fee schedule: \"Establishment Fee - Home Loans (Plus product) ... Nil\", \"Plus Product Fee $395.00 per annum\", \"Discharge Fee $350.00\" (checked 2026-11-10)","rate_kind":"variable","lending_rate_type":"VARIABLE","fixed_months":null,"kind":"variable","purpose":"investment","repayment":"interest_only","rate":0.0734,"rate_pct":7.34,"comparison_rate":null,"comparison_rate_pct":null,"lvr_min":null,"lvr_max":null,"lvr_source":null,"loan_min":150000.0,"loan_max":2000000.0,"interest_in_advance":false,"offset":true,"redraw":true,"annual_fee":395,"upfront_fees":0,"exit_fees":350,"revert_rate":null,"revert_rate_basis":null,"comparison_check":{"ok":false,"ours_at_150k":7.68,"bank":null,"reason":"no bank comparison rate"},"restrictions":[],"eligibility":null,"ranked":true,"conditions":["the bank's feed gives comparison rates about 0.8 points below its website's, so none is shown; fees per its fee schedule: \"Establishment Fee - Home Loans (Plus product) ... Nil\", \"Plus Product Fee $395.00 per annum\", \"Discharge Fee $350.00\" (checked 2026-11-10)","LVR not stated; ranked at 80% LVR and below only","$350 discharge fee for a loan secured on freehold property ($100 otherwise)","$395 annual Plus product fee (one fee covers up to four loans on the same security)"],"additional_info":"The comparison rate is calculated on the basis of a secured loan of $150,000 over a term of 25 years.","source_url":"https://openbanking.cairnsbank.com.au/OpenBanking/cds-au/v1/banking/products/L26_PLUS_IO_VAR_90","source_snapshot":"/au/finance/home-loans/v1/source/cairns-bank/L26_PLUS_IO_VAR_90.json","bank_last_updated":"2026-11-06T07:41:14.000+10:00"},
    {"brand":"Cairns bank","brand_label":"Cairns Bank","brand_slug":"cairns-bank","legal_entity_abn":"68087933757","product_id":"L26_PLUS_PI_VAR_90","product_name":"INVESTMENT PLUS HL VARIABLE >90 LVR PI","product_label":"Investment Plus Hl Variable >90 Lvr Pi","product_url":"https://cairnsbank.com.au/classic-vs-plus/","terms_url":"https://cairnsbank.com.au/information-and-support/disclosure/terms-and-conditions/","record_stale":false,"record_correction":"the bank's feed gives comparison rates about 0.8 points below its website's, so none is shown; fees per its fee schedule: \"Establishment Fee - Home Loans (Plus product) ... Nil\", \"Plus Product Fee $395.00 per annum\", \"Discharge Fee $350.00\" (checked 2026-11-10)","rate_kind":"variable","lending_rate_type":"VARIABLE","fixed_months":null,"kind":"variable","purpose":"investment","repayment":"principal_and_interest","rate":0.0714,"rate_pct":7.14,"comparison_rate":null,"comparison_rate_pct":null,"lvr_min":null,"lvr_max":null,"lvr_source":null,"loan_min":150000.0,"loan_max":2000000.0,"interest_in_advance":false,"offset":true,"redraw":true,"annual_fee":395,"upfront_fees":0,"exit_fees":350,"revert_rate":null,"revert_rate_basis":null,"comparison_check":{"ok":false,"ours_at_150k":7.48,"bank":null,"reason":"no bank comparison rate"},"restrictions":[],"eligibility":null,"ranked":true,"conditions":["the bank's feed gives comparison rates about 0.8 points below its website's, so none is shown; fees per its fee schedule: \"Establishment Fee - Home Loans (Plus product) ... Nil\", \"Plus Product Fee $395.00 per annum\", \"Discharge Fee $350.00\" (checked 2026-11-10)","LVR not stated; ranked at 80% LVR and below only","$350 discharge fee for a loan secured on freehold property ($100 otherwise)","$395 annual Plus product fee (one fee covers up to four loans on the same security)"],"additional_info":"The comparison rate is calculated on the basis of a secured loan of $150,000 over a term of 25 years.","source_url":"https://openbanking.cairnsbank.com.au/OpenBanking/cds-au/v1/banking/products/L26_PLUS_PI_VAR_90","source_snapshot":"/au/finance/home-loans/v1/source/cairns-bank/L26_PLUS_PI_VAR_90.json","bank_last_updated":"2026-11-06T07:41:14.000+10:00"},
    {"brand":"Cairns bank","brand_label":"Cairns Bank","brand_slug":"cairns-bank","legal_entity_abn":"68087933757","product_id":"L25_PLUS_PI_F1_60_80","product_name":"PLUS HOME LOAN FIXED 1YR 60-80 LVR PI","product_label":"Plus Home Loan Fixed 1YR 60-80 Lvr Pi","product_url":"https://cairnsbank.com.au/classic-vs-plus/","terms_url":"https://cairnsbank.com.au/information-and-support/disclosure/terms-and-conditions/","record_stale":false,"record_correction":"the bank's feed gives comparison rates about 0.8 points below its website's, so none is shown; fees per its fee schedule: \"Establishment Fee - Home Loans (Plus product) ... Nil\", \"Plus Product Fee $395.00 per annum\", \"Discharge Fee $350.00\" (checked 2026-11-10)","rate_kind":"fixed","lending_rate_type":"FIXED","fixed_months":12,"kind":"fixed_1","purpose":"owner_occupied","repayment":"principal_and_interest","rate":0.0649,"rate_pct":6.49,"comparison_rate":null,"comparison_rate_pct":null,"lvr_min":null,"lvr_max":null,"lvr_source":null,"loan_min":150000.0,"loan_max":2000000.0,"interest_in_advance":false,"offset":true,"redraw":true,"annual_fee":395,"upfront_fees":0,"exit_fees":350,"revert_rate":null,"revert_rate_basis":null,"comparison_check":{"ok":false,"ours_at_150k":null,"bank":null,"reason":"revert rate not published"},"restrictions":[],"eligibility":null,"ranked":true,"conditions":["the bank's feed gives comparison rates about 0.8 points below its website's, so none is shown; fees per its fee schedule: \"Establishment Fee - Home Loans (Plus product) ... Nil\", \"Plus Product Fee $395.00 per annum\", \"Discharge Fee $350.00\" (checked 2026-11-10)","LVR not stated; ranked at 80% LVR and below only","$350 discharge fee for a loan secured on freehold property ($100 otherwise)","$395 annual Plus product fee (one fee covers up to four loans on the same security)","$500 break cost administration fee, plus break costs, if the fixed loan is repaid or more than $20,000 is repaid while fixed"],"additional_info":null,"source_url":"https://openbanking.cairnsbank.com.au/OpenBanking/cds-au/v1/banking/products/L25_PLUS_PI_F1_60_80","source_snapshot":"/au/finance/home-loans/v1/source/cairns-bank/L25_PLUS_PI_F1_60_80.json","bank_last_updated":"2026-11-06T07:40:59.000+10:00"},
    {"brand":"Cairns bank","brand_label":"Cairns Bank","brand_slug":"cairns-bank","legal_entity_abn":"68087933757","product_id":"L25_PLUS_PI_F1_80_90","product_name":"PLUS HOME LOAN FIXED 1YR 80-90 LVR PI","product_label":"Plus Home Loan Fixed 1YR 80-90 Lvr Pi","product_url":"https://cairnsbank.com.au/classic-vs-plus/","terms_url":"https://cairnsbank.com.au/information-and-support/disclosure/terms-and-conditions/","record_stale":false,"record_correction":"the bank's feed gives comparison rates about 0.8 points below its website's, so none is shown; fees per its fee schedule: \"Establishment Fee - Home Loans (Plus product) ... Nil\", \"Plus Product Fee $395.00 per annum\", \"Discharge Fee $350.00\" (checked 2026-11-10)","rate_kind":"fixed","lending_rate_type":"FIXED","fixed_months":12,"kind":"fixed_1","purpose":"owner_occupied","repayment":"principal_and_interest","rate":0.0669,"rate_pct":6.69,"comparison_rate":null,"comparison_rate_pct":null,"lvr_min":null,"lvr_max":null,"lvr_source":null,"loan_min":150000.0,"loan_max":2000000.0,"interest_in_advance":false,"offset":true,"redraw":true,"annual_fee":395,"upfront_fees":0,"exit_fees":350,"revert_rate":null,"revert_rate_basis":null,"comparison_check":{"ok":false,"ours_at_150k":null,"bank":null,"reason":"revert rate not published"},"restrictions":[],"eligibility":null,"ranked":true,"conditions":["the bank's feed gives comparison rates about 0.8 points below its website's, so none is shown; fees per its fee schedule: \"Establishment Fee - Home Loans (Plus product) ... Nil\", \"Plus Product Fee $395.00 per annum\", \"Discharge Fee $350.00\" (checked 2026-11-10)","LVR not stated; ranked at 80% LVR and below only","$350 discharge fee for a loan secured on freehold property ($100 otherwise)","$395 annual Plus product fee (one fee covers up to four loans on the same security)","$500 break cost administration fee, plus break costs, if the fixed loan is repaid or more than $20,000 is repaid while fixed"],"additional_info":"The comparison rate is calculated on the basis of a secured loan of $150,000 over a term of 25 years.","source_url":"https://openbanking.cairnsbank.com.au/OpenBanking/cds-au/v1/banking/products/L25_PLUS_PI_F1_80_90","source_snapshot":"/au/finance/home-loans/v1/source/cairns-bank/L25_PLUS_PI_F1_80_90.json","bank_last_updated":"2026-11-06T07:40:59.000+10:00"},
    {"brand":"Cairns bank","brand_label":"Cairns Bank","brand_slug":"cairns-bank","legal_entity_abn":"68087933757","product_id":"L25_PLUS_PI_F1_60","product_name":"PLUS HOME LOAN FIXED 1YR <60 LVR PI","product_label":"Plus Home Loan Fixed 1YR <60 Lvr Pi","product_url":"https://cairnsbank.com.au/classic-vs-plus/","terms_url":"https://cairnsbank.com.au/information-and-support/disclosure/terms-and-conditions/","record_stale":false,"record_correction":"the bank's feed gives comparison rates about 0.8 points below its website's, so none is shown; fees per its fee schedule: \"Establishment Fee - Home Loans (Plus product) ... Nil\", \"Plus Product Fee $395.00 per annum\", \"Discharge Fee $350.00\" (checked 2026-11-10)","rate_kind":"fixed","lending_rate_type":"FIXED","fixed_months":12,"kind":"fixed_1","purpose":"owner_occupied","repayment":"principal_and_interest","rate":0.0644,"rate_pct":6.44,"comparison_rate":null,"comparison_rate_pct":null,"lvr_min":0.0,"lvr_max":60.0,"lvr_source":"text","loan_min":150000.0,"loan_max":2000000.0,"interest_in_advance":false,"offset":true,"redraw":true,"annual_fee":395,"upfront_fees":0,"exit_fees":350,"revert_rate":null,"revert_rate_basis":null,"comparison_check":{"ok":false,"ours_at_150k":null,"bank":null,"reason":"revert rate not published"},"restrictions":[],"eligibility":null,"ranked":true,"conditions":["the bank's feed gives comparison rates about 0.8 points below its website's, so none is shown; fees per its fee schedule: \"Establishment Fee - Home Loans (Plus product) ... Nil\", \"Plus Product Fee $395.00 per annum\", \"Discharge Fee $350.00\" (checked 2026-11-10)","$350 discharge fee for a loan secured on freehold property ($100 otherwise)","$395 annual Plus product fee (one fee covers up to four loans on the same security)","$500 break cost administration fee, plus break costs, if the fixed loan is repaid or more than $20,000 is repaid while fixed"],"additional_info":"The comparison rate is calculated on the basis of a secured loan of $150,000 over a term of 25 years.","source_url":"https://openbanking.cairnsbank.com.au/OpenBanking/cds-au/v1/banking/products/L25_PLUS_PI_F1_60","source_snapshot":"/au/finance/home-loans/v1/source/cairns-bank/L25_PLUS_PI_F1_60.json","bank_last_updated":"2026-11-06T07:40:59.000+10:00"},
    {"brand":"Cairns bank","brand_label":"Cairns Bank","brand_slug":"cairns-bank","legal_entity_abn":"68087933757","product_id":"L25_PLUS_PI_F1_90","product_name":"PLUS HOME LOAN FIXED 1YR >90 LVR PI","product_label":"Plus Home Loan Fixed 1YR >90 Lvr Pi","product_url":"https://cairnsbank.com.au/classic-vs-plus/","terms_url":"https://cairnsbank.com.au/information-and-support/disclosure/terms-and-conditions/","record_stale":false,"record_correction":"the bank's feed gives comparison rates about 0.8 points below its website's, so none is shown; fees per its fee schedule: \"Establishment Fee - Home Loans (Plus product) ... Nil\", \"Plus Product Fee $395.00 per annum\", \"Discharge Fee $350.00\" (checked 2026-11-10)","rate_kind":"fixed","lending_rate_type":"FIXED","fixed_months":12,"kind":"fixed_1","purpose":"owner_occupied","repayment":"principal_and_interest","rate":0.0689,"rate_pct":6.89,"comparison_rate":null,"comparison_rate_pct":null,"lvr_min":null,"lvr_max":null,"lvr_source":null,"loan_min":150000.0,"loan_max":2000000.0,"interest_in_advance":false,"offset":true,"redraw":true,"annual_fee":395,"upfront_fees":0,"exit_fees":350,"revert_rate":null,"revert_rate_basis":null,"comparison_check":{"ok":false,"ours_at_150k":null,"bank":null,"reason":"revert rate not published"},"restrictions":[],"eligibility":null,"ranked":true,"conditions":["the bank's feed gives comparison rates about 0.8 points below its website's, so none is shown; fees per its fee schedule: \"Establishment Fee - Home Loans (Plus product) ... Nil\", \"Plus Product Fee $395.00 per annum\", \"Discharge Fee $350.00\" (checked 2026-11-10)","LVR not stated; ranked at 80% LVR and below only","$350 discharge fee for a loan secured on freehold property ($100 otherwise)","$395 annual Plus product fee (one fee covers up to four loans on the same security)","$500 break cost administration fee, plus break costs, if the fixed loan is repaid or more than $20,000 is repaid while fixed"],"additional_info":"The comparison rate is calculated on the basis of a secured loan of $150,000 over a term of 25 years.","source_url":"https://openbanking.cairnsbank.com.au/OpenBanking/cds-au/v1/banking/products/L25_PLUS_PI_F1_90","source_snapshot":"/au/finance/home-loans/v1/source/cairns-bank/L25_PLUS_PI_F1_90.json","bank_last_updated":"2026-11-06T07:40:59.000+10:00"},
    {"brand":"Cairns bank","brand_label":"Cairns Bank","brand_slug":"cairns-bank","legal_entity_abn":"68087933757","product_id":"L25_PLUS_PI_F2_60_80","product_name":"PLUS HOME LOAN FIXED 2YR 60-80 LVR PI","product_label":"Plus Home Loan Fixed 2YR 60-80 Lvr Pi","product_url":"https://cairnsbank.com.au/classic-vs-plus/","terms_url":"https://cairnsbank.com.au/information-and-support/disclosure/terms-and-conditions/","record_stale":false,"record_correction":"the bank's feed gives comparison rates about 0.8 points below its website's, so none is shown; fees per its fee schedule: \"Establishment Fee - Home Loans (Plus product) ... Nil\", \"Plus Product Fee $395.00 per annum\", \"Discharge Fee $350.00\" (checked 2026-11-10)","rate_kind":"fixed","lending_rate_type":"FIXED","fixed_months":24,"kind":"fixed_2","purpose":"owner_occupied","repayment":"principal_and_interest","rate":0.0654,"rate_pct":6.54,"comparison_rate":null,"comparison_rate_pct":null,"lvr_min":null,"lvr_max":null,"lvr_source":null,"loan_min":150000.0,"loan_max":2000000.0,"interest_in_advance":false,"offset":true,"redraw":true,"annual_fee":395,"upfront_fees":0,"exit_fees":350,"revert_rate":null,"revert_rate_basis":null,"comparison_check":{"ok":false,"ours_at_150k":null,"bank":null,"reason":"revert rate not published"},"restrictions":[],"eligibility":null,"ranked":true,"conditions":["the bank's feed gives comparison rates about 0.8 points below its website's, so none is shown; fees per its fee schedule: \"Establishment Fee - Home Loans (Plus product) ... Nil\", \"Plus Product Fee $395.00 per annum\", \"Discharge Fee $350.00\" (checked 2026-11-10)","LVR not stated; ranked at 80% LVR and below only","$350 discharge fee for a loan secured on freehold property ($100 otherwise)","$395 annual Plus product fee (one fee covers up to four loans on the same security)","$500 break cost administration fee, plus break costs, if the fixed loan is repaid or more than $20,000 is repaid while fixed"],"additional_info":"The comparison rate is calculated on the basis of a secured loan of $150,000 over a term of 25 years.","source_url":"https://openbanking.cairnsbank.com.au/OpenBanking/cds-au/v1/banking/products/L25_PLUS_PI_F2_60_80","source_snapshot":"/au/finance/home-loans/v1/source/cairns-bank/L25_PLUS_PI_F2_60_80.json","bank_last_updated":"2026-11-06T07:40:59.000+10:00"},
    {"brand":"Cairns bank","brand_label":"Cairns Bank","brand_slug":"cairns-bank","legal_entity_abn":"68087933757","product_id":"L25_PLUS_PI_F2_80_90","product_name":"PLUS HOME LOAN FIXED 2YR 80-90 LVR PI","product_label":"Plus Home Loan Fixed 2YR 80-90 Lvr Pi","product_url":"https://cairnsbank.com.au/classic-vs-plus/","terms_url":"https://cairnsbank.com.au/information-and-support/disclosure/terms-and-conditions/","record_stale":false,"record_correction":"the bank's feed gives comparison rates about 0.8 points below its website's, so none is shown; fees per its fee schedule: \"Establishment Fee - Home Loans (Plus product) ... Nil\", \"Plus Product Fee $395.00 per annum\", \"Discharge Fee $350.00\" (checked 2026-11-10)","rate_kind":"fixed","lending_rate_type":"FIXED","fixed_months":24,"kind":"fixed_2","purpose":"owner_occupied","repayment":"principal_and_interest","rate":0.0674,"rate_pct":6.74,"comparison_rate":null,"comparison_rate_pct":null,"lvr_min":null,"lvr_max":null,"lvr_source":null,"loan_min":150000.0,"loan_max":2000000.0,"interest_in_advance":false,"offset":true,"redraw":true,"annual_fee":395,"upfront_fees":0,"exit_fees":350,"revert_rate":null,"revert_rate_basis":null,"comparison_check":{"ok":false,"ours_at_150k":null,"bank":null,"reason":"revert rate not published"},"restrictions":[],"eligibility":null,"ranked":true,"conditions":["the bank's feed gives comparison rates about 0.8 points below its website's, so none is shown; fees per its fee schedule: \"Establishment Fee - Home Loans (Plus product) ... Nil\", \"Plus Product Fee $395.00 per annum\", \"Discharge Fee $350.00\" (checked 2026-11-10)","LVR not stated; ranked at 80% LVR and below only","$350 discharge fee for a loan secured on freehold property ($100 otherwise)","$395 annual Plus product fee (one fee covers up to four loans on the same security)","$500 break cost administration fee, plus break costs, if the fixed loan is repaid or more than $20,000 is repaid while fixed"],"additional_info":"The comparison rate is calculated on the basis of a secured loan of $150,000 over a term of 25 years.","source_url":"https://openbanking.cairnsbank.com.au/OpenBanking/cds-au/v1/banking/products/L25_PLUS_PI_F2_80_90","source_snapshot":"/au/finance/home-loans/v1/source/cairns-bank/L25_PLUS_PI_F2_80_90.json","bank_last_updated":"2026-11-06T07:40:59.000+10:00"},
    {"brand":"Cairns bank","brand_label":"Cairns Bank","brand_slug":"cairns-bank","legal_entity_abn":"68087933757","product_id":"L25_PLUS_PI_F2_60","product_name":"PLUS HOME LOAN FIXED 2YR <60 LVR PI","product_label":"Plus Home Loan Fixed 2YR <60 Lvr Pi","product_url":"https://cairnsbank.com.au/classic-vs-plus/","terms_url":"https://cairnsbank.com.au/information-and-support/disclosure/terms-and-conditions/","record_stale":false,"record_correction":"the bank's feed gives comparison rates about 0.8 points below its website's, so none is shown; fees per its fee schedule: \"Establishment Fee - Home Loans (Plus product) ... Nil\", \"Plus Product Fee $395.00 per annum\", \"Discharge Fee $350.00\" (checked 2026-11-10)","rate_kind":"fixed","lending_rate_type":"FIXED","fixed_months":24,"kind":"fixed_2","purpose":"owner_occupied","repayment":"principal_and_interest","rate":0.0649,"rate_pct":6.49,"comparison_rate":null,"comparison_rate_pct":null,"lvr_min":0.0,"lvr_max":60.0,"lvr_source":"text","loan_min":150000.0,"loan_max":2000000.0,"interest_in_advance":false,"offset":true,"redraw":true,"annual_fee":395,"upfront_fees":0,"exit_fees":350,"revert_rate":null,"revert_rate_basis":null,"comparison_check":{"ok":false,"ours_at_150k":null,"bank":null,"reason":"revert rate not published"},"restrictions":[],"eligibility":null,"ranked":true,"conditions":["the bank's feed gives comparison rates about 0.8 points below its website's, so none is shown; fees per its fee schedule: \"Establishment Fee - Home Loans (Plus product) ... Nil\", \"Plus Product Fee $395.00 per annum\", \"Discharge Fee $350.00\" (checked 2026-11-10)","$350 discharge fee for a loan secured on freehold property ($100 otherwise)","$395 annual Plus product fee (one fee covers up to four loans on the same security)","$500 break cost administration fee, plus break costs, if the fixed loan is repaid or more than $20,000 is repaid while fixed"],"additional_info":"The comparison rate is calculated on the basis of a secured loan of $150,000 over a term of 25 years.","source_url":"https://openbanking.cairnsbank.com.au/OpenBanking/cds-au/v1/banking/products/L25_PLUS_PI_F2_60","source_snapshot":"/au/finance/home-loans/v1/source/cairns-bank/L25_PLUS_PI_F2_60.json","bank_last_updated":"2026-11-06T07:40:59.000+10:00"},
    {"brand":"Cairns bank","brand_label":"Cairns Bank","brand_slug":"cairns-bank","legal_entity_abn":"68087933757","product_id":"L25_PLUS_PI_F2_90","product_name":"PLUS HOME LOAN FIXED 2YR >90 LVR PI","product_label":"Plus Home Loan Fixed 2YR >90 Lvr Pi","product_url":"https://cairnsbank.com.au/classic-vs-plus/","terms_url":"https://cairnsbank.com.au/information-and-support/disclosure/terms-and-conditions/","record_stale":false,"record_correction":"the bank's feed gives comparison rates about 0.8 points below its website's, so none is shown; fees per its fee schedule: \"Establishment Fee - Home Loans (Plus product) ... Nil\", \"Plus Product Fee $395.00 per annum\", \"Discharge Fee $350.00\" (checked 2026-11-10)","rate_kind":"fixed","lending_rate_type":"FIXED","fixed_months":24,"kind":"fixed_2","purpose":"owner_occupied","repayment":"principal_and_interest","rate":0.0694,"rate_pct":6.94,"comparison_rate":null,"comparison_rate_pct":null,"lvr_min":null,"lvr_max":null,"lvr_source":null,"loan_min":150000.0,"loan_max":2000000.0,"interest_in_advance":false,"offset":true,"redraw":true,"annual_fee":395,"upfront_fees":0,"exit_fees":350,"revert_rate":null,"revert_rate_basis":null,"comparison_check":{"ok":false,"ours_at_150k":null,"bank":null,"reason":"revert rate not published"},"restrictions":[],"eligibility":null,"ranked":true,"conditions":["the bank's feed gives comparison rates about 0.8 points below its website's, so none is shown; fees per its fee schedule: \"Establishment Fee - Home Loans (Plus product) ... Nil\", \"Plus Product Fee $395.00 per annum\", \"Discharge Fee $350.00\" (checked 2026-11-10)","LVR not stated; ranked at 80% LVR and below only","$350 discharge fee for a loan secured on freehold property ($100 otherwise)","$395 annual Plus product fee (one fee covers up to four loans on the same security)","$500 break cost administration fee, plus break costs, if the fixed loan is repaid or more than $20,000 is repaid while fixed"],"additional_info":"The comparison rate is calculated on the basis of a secured loan of $150,000 over a term of 25 years.","source_url":"https://openbanking.cairnsbank.com.au/OpenBanking/cds-au/v1/banking/products/L25_PLUS_PI_F2_90","source_snapshot":"/au/finance/home-loans/v1/source/cairns-bank/L25_PLUS_PI_F2_90.json","bank_last_updated":"2026-11-06T07:40:59.000+10:00"},
    {"brand":"Cairns bank","brand_label":"Cairns Bank","brand_slug":"cairns-bank","legal_entity_abn":"68087933757","product_id":"L25_PLUS_PI_F3_60_80","product_name":"PLUS HOME LOAN FIXED 3YR 60-80 LVR PI","product_label":"Plus Home Loan Fixed 3YR 60-80 Lvr Pi","product_url":"https://cairnsbank.com.au/classic-vs-plus/","terms_url":"https://cairnsbank.com.au/information-and-support/disclosure/terms-and-conditions/","record_stale":false,"record_correction":"the bank's feed gives comparison rates about 0.8 points below its website's, so none is shown; fees per its fee schedule: \"Establishment Fee - Home Loans (Plus product) ... Nil\", \"Plus Product Fee $395.00 per annum\", \"Discharge Fee $350.00\" (checked 2026-11-10)","rate_kind":"fixed","lending_rate_type":"FIXED","fixed_months":36,"kind":"fixed_3","purpose":"owner_occupied","repayment":"principal_and_interest","rate":0.0664,"rate_pct":6.64,"comparison_rate":null,"comparison_rate_pct":null,"lvr_min":null,"lvr_max":null,"lvr_source":null,"loan_min":150000.0,"loan_max":2000000.0,"interest_in_advance":false,"offset":true,"redraw":true,"annual_fee":395,"upfront_fees":0,"exit_fees":350,"revert_rate":null,"revert_rate_basis":null,"comparison_check":{"ok":false,"ours_at_150k":null,"bank":null,"reason":"revert rate not published"},"restrictions":[],"eligibility":null,"ranked":true,"conditions":["the bank's feed gives comparison rates about 0.8 points below its website's, so none is shown; fees per its fee schedule: \"Establishment Fee - Home Loans (Plus product) ... Nil\", \"Plus Product Fee $395.00 per annum\", \"Discharge Fee $350.00\" (checked 2026-11-10)","LVR not stated; ranked at 80% LVR and below only","$350 discharge fee for a loan secured on freehold property ($100 otherwise)","$395 annual Plus product fee (one fee covers up to four loans on the same security)","$500 break cost administration fee, plus break costs, if the fixed loan is repaid or more than $20,000 is repaid while fixed"],"additional_info":"The comparison rate is calculated on the basis of a secured loan of $150,000 over a term of 25 years.","source_url":"https://openbanking.cairnsbank.com.au/OpenBanking/cds-au/v1/banking/products/L25_PLUS_PI_F3_60_80","source_snapshot":"/au/finance/home-loans/v1/source/cairns-bank/L25_PLUS_PI_F3_60_80.json","bank_last_updated":"2026-11-06T07:40:59.000+10:00"},
    {"brand":"Cairns bank","brand_label":"Cairns Bank","brand_slug":"cairns-bank","legal_entity_abn":"68087933757","product_id":"L25_PLUS_PI_F3_80_90","product_name":"PLUS HOME LOAN FIXED 3YR 80-90 LVR PI","product_label":"Plus Home Loan Fixed 3YR 80-90 Lvr Pi","product_url":"https://cairnsbank.com.au/loans/home-loans/how-to-apply/","terms_url":"https://cairnsbank.com.au/information-and-support/disclosure/terms-and-conditions/","record_stale":false,"record_correction":"the bank's feed gives comparison rates about 0.8 points below its website's, so none is shown; fees per its fee schedule: \"Establishment Fee - Home Loans (Plus product) ... Nil\", \"Plus Product Fee $395.00 per annum\", \"Discharge Fee $350.00\" (checked 2026-11-10)","rate_kind":"fixed","lending_rate_type":"FIXED","fixed_months":36,"kind":"fixed_3","purpose":"owner_occupied","repayment":"principal_and_interest","rate":0.0684,"rate_pct":6.84,"comparison_rate":null,"comparison_rate_pct":null,"lvr_min":null,"lvr_max":null,"lvr_source":null,"loan_min":150000.0,"loan_max":2000000.0,"interest_in_advance":false,"offset":true,"redraw":true,"annual_fee":395,"upfront_fees":0,"exit_fees":350,"revert_rate":null,"revert_rate_basis":null,"comparison_check":{"ok":false,"ours_at_150k":null,"bank":null,"reason":"revert rate not published"},"restrictions":[],"eligibility":null,"ranked":true,"conditions":["the bank's feed gives comparison rates about 0.8 points below its website's, so none is shown; fees per its fee schedule: \"Establishment Fee - Home Loans (Plus product) ... Nil\", \"Plus Product Fee $395.00 per annum\", \"Discharge Fee $350.00\" (checked 2026-11-10)","LVR not stated; ranked at 80% LVR and below only","$350 discharge fee for a loan secured on freehold property ($100 otherwise)","$395 annual Plus product fee (one fee covers up to four loans on the same security)","$500 break cost administration fee, plus break costs, if the fixed loan is repaid or more than $20,000 is repaid while fixed"],"additional_info":"The comparison rate is calculated on the basis of a secured loan of $150,000 over a term of 25 years.","source_url":"https://openbanking.cairnsbank.com.au/OpenBanking/cds-au/v1/banking/products/L25_PLUS_PI_F3_80_90","source_snapshot":"/au/finance/home-loans/v1/source/cairns-bank/L25_PLUS_PI_F3_80_90.json","bank_last_updated":"2026-11-06T07:40:59.000+10:00"},
    {"brand":"Cairns bank","brand_label":"Cairns Bank","brand_slug":"cairns-bank","legal_entity_abn":"68087933757","product_id":"L25_PLUS_PI_F3_60","product_name":"PLUS HOME LOAN FIXED 3YR <60 LVR PI","product_label":"Plus Home Loan Fixed 3YR <60 Lvr Pi","product_url":"https://cairnsbank.com.au/classic-vs-plus/","terms_url":"https://cairnsbank.com.au/information-and-support/disclosure/terms-and-conditions/","record_stale":false,"record_correction":"the bank's feed gives comparison rates about 0.8 points below its website's, so none is shown; fees per its fee schedule: \"Establishment Fee - Home Loans (Plus product) ... Nil\", \"Plus Product Fee $395.00 per annum\", \"Discharge Fee $350.00\" (checked 2026-11-10)","rate_kind":"fixed","lending_rate_type":"FIXED","fixed_months":36,"kind":"fixed_3","purpose":"owner_occupied","repayment":"principal_and_interest","rate":0.0659,"rate_pct":6.59,"comparison_rate":null,"comparison_rate_pct":null,"lvr_min":0.0,"lvr_max":60.0,"lvr_source":"text","loan_min":150000.0,"loan_max":2000000.0,"interest_in_advance":false,"offset":true,"redraw":true,"annual_fee":395,"upfront_fees":0,"exit_fees":350,"revert_rate":null,"revert_rate_basis":null,"comparison_check":{"ok":false,"ours_at_150k":null,"bank":null,"reason":"revert rate not published"},"restrictions":[],"eligibility":null,"ranked":true,"conditions":["the bank's feed gives comparison rates about 0.8 points below its website's, so none is shown; fees per its fee schedule: \"Establishment Fee - Home Loans (Plus product) ... Nil\", \"Plus Product Fee $395.00 per annum\", \"Discharge Fee $350.00\" (checked 2026-11-10)","$350 discharge fee for a loan secured on freehold property ($100 otherwise)","$395 annual Plus product fee (one fee covers up to four loans on the same security)","$500 break cost administration fee, plus break costs, if the fixed loan is repaid or more than $20,000 is repaid while fixed"],"additional_info":"The comparison rate is calculated on the basis of a secured loan of $150,000 over a term of 25 years.","source_url":"https://openbanking.cairnsbank.com.au/OpenBanking/cds-au/v1/banking/products/L25_PLUS_PI_F3_60","source_snapshot":"/au/finance/home-loans/v1/source/cairns-bank/L25_PLUS_PI_F3_60.json","bank_last_updated":"2026-11-06T07:40:59.000+10:00"},
    {"brand":"Cairns bank","brand_label":"Cairns Bank","brand_slug":"cairns-bank","legal_entity_abn":"68087933757","product_id":"L25_PLUS_PI_F3_90","product_name":"PLUS HOME LOAN FIXED 3YR >90 PI","product_label":"Plus Home Loan Fixed 3YR >90 Pi","product_url":"https://cairnsbank.com.au/classic-vs-plus/","terms_url":"https://cairnsbank.com.au/information-and-support/disclosure/terms-and-conditions/","record_stale":false,"record_correction":"the bank's feed gives comparison rates about 0.8 points below its website's, so none is shown; fees per its fee schedule: \"Establishment Fee - Home Loans (Plus product) ... Nil\", \"Plus Product Fee $395.00 per annum\", \"Discharge Fee $350.00\" (checked 2026-11-10)","rate_kind":"fixed","lending_rate_type":"FIXED","fixed_months":36,"kind":"fixed_3","purpose":"owner_occupied","repayment":"principal_and_interest","rate":0.0704,"rate_pct":7.04,"comparison_rate":null,"comparison_rate_pct":null,"lvr_min":null,"lvr_max":null,"lvr_source":null,"loan_min":150000.0,"loan_max":2000000.0,"interest_in_advance":false,"offset":true,"redraw":true,"annual_fee":395,"upfront_fees":0,"exit_fees":350,"revert_rate":null,"revert_rate_basis":null,"comparison_check":{"ok":false,"ours_at_150k":null,"bank":null,"reason":"revert rate not published"},"restrictions":[],"eligibility":null,"ranked":true,"conditions":["the bank's feed gives comparison rates about 0.8 points below its website's, so none is shown; fees per its fee schedule: \"Establishment Fee - Home Loans (Plus product) ... Nil\", \"Plus Product Fee $395.00 per annum\", \"Discharge Fee $350.00\" (checked 2026-11-10)","LVR not stated; ranked at 80% LVR and below only","$350 discharge fee for a loan secured on freehold property ($100 otherwise)","$395 annual Plus product fee (one fee covers up to four loans on the same security)","$500 break cost administration fee, plus break costs, if the fixed loan is repaid or more than $20,000 is repaid while fixed"],"additional_info":"The comparison rate is calculated on the basis of a secured loan of $150,000 over a term of 25 years.","source_url":"https://openbanking.cairnsbank.com.au/OpenBanking/cds-au/v1/banking/products/L25_PLUS_PI_F3_90","source_snapshot":"/au/finance/home-loans/v1/source/cairns-bank/L25_PLUS_PI_F3_90.json","bank_last_updated":"2026-11-06T07:40:59.000+10:00"},
    {"brand":"Cairns bank","brand_label":"Cairns Bank","brand_slug":"cairns-bank","legal_entity_abn":"68087933757","product_id":"L25_PLUS_PI_VAR_60_80","product_name":"PLUS HOME LOAN VARIABLE 60-80 LVR PI","product_label":"Plus Home Loan Variable 60-80 Lvr Pi","product_url":"https://cairnsbank.com.au/classic-vs-plus/","terms_url":"https://cairnsbank.com.au/information-and-support/disclosure/terms-and-conditions/","record_stale":false,"record_correction":"the bank's feed gives comparison rates about 0.8 points below its website's, so none is shown; fees per its fee schedule: \"Establishment Fee - Home Loans (Plus product) ... Nil\", \"Plus Product Fee $395.00 per annum\", \"Discharge Fee $350.00\" (checked 2026-11-10)","rate_kind":"variable","lending_rate_type":"VARIABLE","fixed_months":null,"kind":"variable","purpose":"owner_occupied","repayment":"principal_and_interest","rate":0.0664,"rate_pct":6.64,"comparison_rate":null,"comparison_rate_pct":null,"lvr_min":null,"lvr_max":null,"lvr_source":null,"loan_min":150000.0,"loan_max":2000000.0,"interest_in_advance":false,"offset":true,"redraw":true,"annual_fee":395,"upfront_fees":0,"exit_fees":350,"revert_rate":null,"revert_rate_basis":null,"comparison_check":{"ok":false,"ours_at_150k":6.99,"bank":null,"reason":"no bank comparison rate"},"restrictions":[],"eligibility":null,"ranked":true,"conditions":["the bank's feed gives comparison rates about 0.8 points below its website's, so none is shown; fees per its fee schedule: \"Establishment Fee - Home Loans (Plus product) ... Nil\", \"Plus Product Fee $395.00 per annum\", \"Discharge Fee $350.00\" (checked 2026-11-10)","LVR not stated; ranked at 80% LVR and below only","$350 discharge fee for a loan secured on freehold property ($100 otherwise)","$395 annual Plus product fee (one fee covers up to four loans on the same security)"],"additional_info":"The comparison rate is calculated on the basis of a secured loan of $150,000 over a term of 25 years.","source_url":"https://openbanking.cairnsbank.com.au/OpenBanking/cds-au/v1/banking/products/L25_PLUS_PI_VAR_60_80","source_snapshot":"/au/finance/home-loans/v1/source/cairns-bank/L25_PLUS_PI_VAR_60_80.json","bank_last_updated":"2026-11-06T07:40:59.000+10:00"},
    {"brand":"Cairns bank","brand_label":"Cairns Bank","brand_slug":"cairns-bank","legal_entity_abn":"68087933757","product_id":"L25_PLUS_PI_VAR_80_90","product_name":"PLUS HOME LOAN VARIABLE 80-90 LVR PI","product_label":"Plus Home Loan Variable 80-90 Lvr Pi","product_url":"https://cairnsbank.com.au/classic-vs-plus/","terms_url":"https://cairnsbank.com.au/information-and-support/disclosure/terms-and-conditions/","record_stale":false,"record_correction":"the bank's feed gives comparison rates about 0.8 points below its website's, so none is shown; fees per its fee schedule: \"Establishment Fee - Home Loans (Plus product) ... Nil\", \"Plus Product Fee $395.00 per annum\", \"Discharge Fee $350.00\" (checked 2026-11-10)","rate_kind":"variable","lending_rate_type":"VARIABLE","fixed_months":null,"kind":"variable","purpose":"owner_occupied","repayment":"principal_and_interest","rate":0.0684,"rate_pct":6.84,"comparison_rate":null,"comparison_rate_pct":null,"lvr_min":null,"lvr_max":null,"lvr_source":null,"loan_min":150000.0,"loan_max":2000000.0,"interest_in_advance":false,"offset":true,"redraw":true,"annual_fee":395,"upfront_fees":0,"exit_fees":350,"revert_rate":null,"revert_rate_basis":null,"comparison_check":{"ok":false,"ours_at_150k":7.19,"bank":null,"reason":"no bank comparison rate"},"restrictions":[],"eligibility":null,"ranked":true,"conditions":["the bank's feed gives comparison rates about 0.8 points below its website's, so none is shown; fees per its fee schedule: \"Establishment Fee - Home Loans (Plus product) ... Nil\", \"Plus Product Fee $395.00 per annum\", \"Discharge Fee $350.00\" (checked 2026-11-10)","LVR not stated; ranked at 80% LVR and below only","$350 discharge fee for a loan secured on freehold property ($100 otherwise)","$395 annual Plus product fee (one fee covers up to four loans on the same security)"],"additional_info":"The comparison rate is calculated on the basis of a secured loan of $150,000 over a term of 25 years.","source_url":"https://openbanking.cairnsbank.com.au/OpenBanking/cds-au/v1/banking/products/L25_PLUS_PI_VAR_80_90","source_snapshot":"/au/finance/home-loans/v1/source/cairns-bank/L25_PLUS_PI_VAR_80_90.json","bank_last_updated":"2026-11-06T07:40:59.000+10:00"},
    {"brand":"Cairns bank","brand_label":"Cairns Bank","brand_slug":"cairns-bank","legal_entity_abn":"68087933757","product_id":"L25_PLUS_PI_VAR_60","product_name":"PLUS HOME LOAN VARIABLE <60 LVR","product_label":"Plus Home Loan Variable <60 Lvr","product_url":"https://cairnsbank.com.au/classic-vs-plus/","terms_url":"https://cairnsbank.com.au/information-and-support/disclosure/terms-and-conditions/","record_stale":false,"record_correction":"the bank's feed gives comparison rates about 0.8 points below its website's, so none is shown; fees per its fee schedule: \"Establishment Fee - Home Loans (Plus product) ... Nil\", \"Plus Product Fee $395.00 per annum\", \"Discharge Fee $350.00\" (checked 2026-11-10)","rate_kind":"variable","lending_rate_type":"VARIABLE","fixed_months":null,"kind":"variable","purpose":"owner_occupied","repayment":"principal_and_interest","rate":0.0659,"rate_pct":6.59,"comparison_rate":null,"comparison_rate_pct":null,"lvr_min":0.0,"lvr_max":60.0,"lvr_source":"text","loan_min":150000.0,"loan_max":2000000.0,"interest_in_advance":false,"offset":true,"redraw":true,"annual_fee":395,"upfront_fees":0,"exit_fees":350,"revert_rate":null,"revert_rate_basis":null,"comparison_check":{"ok":false,"ours_at_150k":6.94,"bank":null,"reason":"no bank comparison rate"},"restrictions":[],"eligibility":null,"ranked":true,"conditions":["the bank's feed gives comparison rates about 0.8 points below its website's, so none is shown; fees per its fee schedule: \"Establishment Fee - Home Loans (Plus product) ... Nil\", \"Plus Product Fee $395.00 per annum\", \"Discharge Fee $350.00\" (checked 2026-11-10)","$350 discharge fee for a loan secured on freehold property ($100 otherwise)","$395 annual Plus product fee (one fee covers up to four loans on the same security)"],"additional_info":"The comparison rate is calculated on the basis of a secured loan of $150,000 over a term of 25 years.","source_url":"https://openbanking.cairnsbank.com.au/OpenBanking/cds-au/v1/banking/products/L25_PLUS_PI_VAR_60","source_snapshot":"/au/finance/home-loans/v1/source/cairns-bank/L25_PLUS_PI_VAR_60.json","bank_last_updated":"2026-11-06T07:40:59.000+10:00"},
    {"brand":"Cairns bank","brand_label":"Cairns Bank","brand_slug":"cairns-bank","legal_entity_abn":"68087933757","product_id":"L25_PLUS_PI_VAR_90","product_name":"PLUS HOME LOAN VARIABLE >90 PI","product_label":"Plus Home Loan Variable >90 Pi","product_url":"https://cairnsbank.com.au/classic-vs-plus/","terms_url":"https://cairnsbank.com.au/information-and-support/disclosure/terms-and-conditions/","record_stale":false,"record_correction":"the bank's feed gives comparison rates about 0.8 points below its website's, so none is shown; fees per its fee schedule: \"Establishment Fee - Home Loans (Plus product) ... Nil\", \"Plus Product Fee $395.00 per annum\", \"Discharge Fee $350.00\" (checked 2026-11-10)","rate_kind":"variable","lending_rate_type":"VARIABLE","fixed_months":null,"kind":"variable","purpose":"owner_occupied","repayment":"principal_and_interest","rate":0.0704,"rate_pct":7.04,"comparison_rate":null,"comparison_rate_pct":null,"lvr_min":null,"lvr_max":null,"lvr_source":null,"loan_min":150000.0,"loan_max":2000000.0,"interest_in_advance":false,"offset":true,"redraw":true,"annual_fee":395,"upfront_fees":0,"exit_fees":350,"revert_rate":null,"revert_rate_basis":null,"comparison_check":{"ok":false,"ours_at_150k":7.39,"bank":null,"reason":"no bank comparison rate"},"restrictions":[],"eligibility":null,"ranked":true,"conditions":["the bank's feed gives comparison rates about 0.8 points below its website's, so none is shown; fees per its fee schedule: \"Establishment Fee - Home Loans (Plus product) ... Nil\", \"Plus Product Fee $395.00 per annum\", \"Discharge Fee $350.00\" (checked 2026-11-10)","LVR not stated; ranked at 80% LVR and below only","$350 discharge fee for a loan secured on freehold property ($100 otherwise)","$395 annual Plus product fee (one fee covers up to four loans on the same security)"],"additional_info":null,"source_url":"https://openbanking.cairnsbank.com.au/OpenBanking/cds-au/v1/banking/products/L25_PLUS_PI_VAR_90","source_snapshot":"/au/finance/home-loans/v1/source/cairns-bank/L25_PLUS_PI_VAR_90.json","bank_last_updated":"2026-11-06T07:40:59.000+10:00"},
    {"brand":"Central Murray Bank","brand_label":"Central Murray Bank","brand_slug":"central-murray-bank","legal_entity_abn":"69087651812","product_id":"L31_5_I_F12_PI","product_name":"HOUSING LOAN (CODE) - Investment - Fixed Interest - 12 months - Principal and Interest","product_label":"HOUSING LOAN (CODE) - Investment - Fixed Interest - 12 Months - Principal and Interest","product_url":"https://www.centralmurray.bank/loans/housing-loans/","terms_url":null,"record_stale":false,"record_correction":null,"rate_kind":"fixed","lending_rate_type":"FIXED","fixed_months":12,"kind":"fixed_1","purpose":"investment","repayment":"principal_and_interest","rate":0.0724,"rate_pct":7.24,"comparison_rate":0.0797,"comparison_rate_pct":7.97,"lvr_min":0.0,"lvr_max":95.0,"lvr_source":"product","loan_min":null,"loan_max":null,"interest_in_advance":false,"offset":false,"redraw":false,"annual_fee":null,"upfront_fees":null,"exit_fees":null,"revert_rate":null,"revert_rate_basis":null,"comparison_check":{"ok":false,"ours_at_150k":null,"bank":7.97,"reason":"no variable rate reproduces the bank's figure"},"restrictions":[],"eligibility":null,"ranked":true,"conditions":["$800 loan establishment fee (new property mortgage)","$350 mortgage discharge fee","valuation at cost, minimum $300","early termination (break) cost on switching to variable or discharging while fixed"],"additional_info":"Comparison Rate calculated on a secured loan of $150,000 over 25 years. A comparison rate schedule is available at all branches. WARNING: This comparison rate applies only to the example given; different terms, fees or other amounts will result in different comparison rate. Costs such as redraw fee…","source_url":"https://secure.centralmurray.bank/openbanking/cds-au/v1/banking/products/L31_5_I_F12_PI","source_snapshot":"/au/finance/home-loans/v1/source/central-murray-bank/L31_5_I_F12_PI.json","bank_last_updated":"2026-11-11T10:01:59.000+11:00"},
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    {"brand":"CommFCU","brand_label":"Community First Bank","brand_slug":"commfcu","legal_entity_abn":"80087649938","product_id":"BP-INVPI-3YRF-LVR80","product_name":"BOOST PACKAGE HOME LOAN - 3 YEAR FIXED - INVESTMENT LVR 80% (Principal and Interest)","product_label":"BOOST PACKAGE HOME LOAN - 3 YEAR FIXED - INVESTMENT LVR 80% (Principal and Interest)","product_url":"https://www.communityfirst.com.au/products/boost-package-home-loan-fixed-investment/","terms_url":"https://cms.communityfirst.com.au/wp-content/uploads/2026/10/CFB_Fees-and-Charges_20261001v3.pdf","record_stale":false,"record_correction":null,"rate_kind":"fixed","lending_rate_type":"FIXED","fixed_months":36,"kind":"fixed_3","purpose":"investment","repayment":"principal_and_interest","rate":0.0639,"rate_pct":6.39,"comparison_rate":0.07,"comparison_rate_pct":7.0,"lvr_min":0.0,"lvr_max":80.0,"lvr_source":"text","loan_min":50000.0,"loan_max":null,"interest_in_advance":false,"offset":false,"redraw":true,"annual_fee":395.0,"upfront_fees":null,"exit_fees":696.0,"revert_rate":0.0674,"revert_rate_basis":"inferred","comparison_check":{"ok":true,"ours_at_150k":6.99,"bank":7.0},"restrictions":["package"],"eligibility":null,"ranked":true,"conditions":["package (annual fee)","The $50 a year in the feed is a Safe Custody Fee for storing title documents, not a loan annual fee","$395 Boost Package annual fee (application fee waived)","Reverts to the corresponding variable Boost Package home loan at the end of the fixed term","Loan $50,000 to $1,500,000 (larger loans negotiable)","Break costs apply to fixed rate loans paid out or switched during the fixed period"],"additional_info":"The comparison rate is based on a secured loan amount of $150,000 over a loan 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.","source_url":"https://netbank.communityfirst.com.au/cf-OpenBanking/cds-au/v1/banking/products/BP-INVPI-3YRF-LVR80","source_snapshot":"/au/finance/home-loans/v1/source/commfcu/BP-INVPI-3YRF-LVR80.json","bank_last_updated":"2026-11-12T12:56:45.000+11:00"},
    {"brand":"CommFCU","brand_label":"Community First Bank","brand_slug":"commfcu","legal_entity_abn":"80087649938","product_id":"BP-INVIO-3YRF-LVR95","product_name":"BOOST PACKAGE HOME LOAN - 3 YEAR FIXED - INVESTMENT LVR 95% (Interest Only)","product_label":"BOOST PACKAGE HOME LOAN - 3 YEAR FIXED - INVESTMENT LVR 95% (Interest Only)","product_url":"https://www.communityfirst.com.au/products/boost-package-home-loan-fixed-investment/","terms_url":"https://cms.communityfirst.com.au/wp-content/uploads/2026/10/CFB_Fees-and-Charges_20261001v3.pdf","record_stale":false,"record_correction":null,"rate_kind":"fixed","lending_rate_type":"FIXED","fixed_months":36,"kind":"fixed_3","purpose":"investment","repayment":"interest_only","rate":0.0709,"rate_pct":7.09,"comparison_rate":0.074,"comparison_rate_pct":7.4,"lvr_min":0.0,"lvr_max":95.0,"lvr_source":"text","loan_min":50000.0,"loan_max":null,"interest_in_advance":false,"offset":false,"redraw":true,"annual_fee":395.0,"upfront_fees":null,"exit_fees":696.0,"revert_rate":null,"revert_rate_basis":null,"comparison_check":{"ok":false,"ours_at_150k":null,"bank":7.4,"reason":"revert rate not published"},"restrictions":["package"],"eligibility":null,"ranked":true,"conditions":["package (annual fee)","The $50 a year in the feed is a Safe Custody Fee for storing title documents, not a loan annual fee","$395 Boost Package annual fee (application fee waived)","Reverts to the corresponding variable Boost Package home loan at the end of the fixed term","Loan $50,000 to $1,500,000 (larger loans negotiable)","Break costs apply to fixed rate loans paid out or switched during the fixed period"],"additional_info":"The comparison rate is based on a secured loan amount of $150,000 over a loan 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.","source_url":"https://netbank.communityfirst.com.au/cf-OpenBanking/cds-au/v1/banking/products/BP-INVIO-3YRF-LVR95","source_snapshot":"/au/finance/home-loans/v1/source/commfcu/BP-INVIO-3YRF-LVR95.json","bank_last_updated":"2026-11-12T10:40:54.000+11:00"},
    {"brand":"CommFCU","brand_label":"Community First Bank","brand_slug":"commfcu","legal_entity_abn":"80087649938","product_id":"BP-INVPI-3YRF-LVR95","product_name":"BOOST PACKAGE HOME LOAN - 3 YEAR FIXED - INVESTMENT LVR 95% (Principal and Interest)","product_label":"BOOST PACKAGE HOME LOAN - 3 YEAR FIXED - INVESTMENT LVR 95% (Principal and Interest)","product_url":"https://www.communityfirst.com.au/products/boost-package-home-loan-fixed-investment/","terms_url":"https://cms.communityfirst.com.au/wp-content/uploads/2026/10/CFB_Fees-and-Charges_20261001v3.pdf","record_stale":false,"record_correction":null,"rate_kind":"fixed","lending_rate_type":"FIXED","fixed_months":36,"kind":"fixed_3","purpose":"investment","repayment":"principal_and_interest","rate":0.0669,"rate_pct":6.69,"comparison_rate":0.073,"comparison_rate_pct":7.3,"lvr_min":0.0,"lvr_max":95.0,"lvr_source":"text","loan_min":50000.0,"loan_max":null,"interest_in_advance":false,"offset":false,"redraw":true,"annual_fee":395.0,"upfront_fees":null,"exit_fees":696.0,"revert_rate":0.0704,"revert_rate_basis":"inferred","comparison_check":{"ok":true,"ours_at_150k":7.29,"bank":7.3},"restrictions":["package"],"eligibility":null,"ranked":true,"conditions":["package (annual fee)","The $50 a year in the feed is a Safe Custody Fee for storing title documents, not a loan annual fee","$395 Boost Package annual fee (application fee waived)","Reverts to the corresponding variable Boost Package home loan at the end of the fixed term","Loan $50,000 to $1,500,000 (larger loans negotiable)","Break costs apply to fixed rate loans paid out or switched during the fixed period"],"additional_info":"The comparison rate is based on a secured loan amount of $150,000 over a loan 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.","source_url":"https://netbank.communityfirst.com.au/cf-OpenBanking/cds-au/v1/banking/products/BP-INVPI-3YRF-LVR95","source_snapshot":"/au/finance/home-loans/v1/source/commfcu/BP-INVPI-3YRF-LVR95.json","bank_last_updated":"2026-11-12T12:57:22.000+11:00"},
    {"brand":"CommFCU","brand_label":"Community First Bank","brand_slug":"commfcu","legal_entity_abn":"80087649938","product_id":"BP-OOPI-3YRF-LVR80","product_name":"BOOST PACKAGE HOME LOAN - 3 YEAR FIXED - OWNER-OCCUPIED LVR 80% (Principal and Interest)","product_label":"BOOST PACKAGE HOME LOAN - 3 YEAR FIXED - OWNER-OCCUPIED LVR 80% (Principal and Interest)","product_url":"https://www.communityfirst.com.au/products/boost-package-home-loan-fixed/","terms_url":"https://cms.communityfirst.com.au/wp-content/uploads/2026/10/CFB_Fees-and-Charges_20261001v3.pdf","record_stale":false,"record_correction":null,"rate_kind":"fixed","lending_rate_type":"FIXED","fixed_months":36,"kind":"fixed_3","purpose":"owner_occupied","repayment":"principal_and_interest","rate":0.0629,"rate_pct":6.29,"comparison_rate":0.0684,"comparison_rate_pct":6.84,"lvr_min":0.0,"lvr_max":80.0,"lvr_source":"text","loan_min":50000.0,"loan_max":null,"interest_in_advance":false,"offset":false,"redraw":true,"annual_fee":395.0,"upfront_fees":null,"exit_fees":696.0,"revert_rate":0.0654,"revert_rate_basis":"inferred","comparison_check":{"ok":true,"ours_at_150k":6.83,"bank":6.84},"restrictions":["package"],"eligibility":null,"ranked":true,"conditions":["package (annual fee)","The $50 a year in the feed is a Safe Custody Fee for storing title documents, not a loan annual fee","$395 Boost Package annual fee (application fee waived)","Reverts to the corresponding variable Boost Package home loan at the end of the fixed term","Loan $50,000 to $1,500,000 (larger loans negotiable)","Break costs apply to fixed rate loans paid out or switched during the fixed period"],"additional_info":"The comparison rate is based on a secured loan amount of $150,000 over a loan 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.","source_url":"https://netbank.communityfirst.com.au/cf-OpenBanking/cds-au/v1/banking/products/BP-OOPI-3YRF-LVR80","source_snapshot":"/au/finance/home-loans/v1/source/commfcu/BP-OOPI-3YRF-LVR80.json","bank_last_updated":"2026-11-12T09:56:16.000+11:00"},
    {"brand":"CommFCU","brand_label":"Community First Bank","brand_slug":"commfcu","legal_entity_abn":"80087649938","product_id":"BP-OOPI-3YRF-LVR95","product_name":"BOOST PACKAGE HOME LOAN - 3 YEAR FIXED - OWNER-OCCUPIED LVR 95% (Principal and Interest)","product_label":"BOOST PACKAGE HOME LOAN - 3 YEAR FIXED - OWNER-OCCUPIED LVR 95% (Principal and Interest)","product_url":"https://www.communityfirst.com.au/products/boost-package-home-loan-fixed/","terms_url":"https://cms.communityfirst.com.au/wp-content/uploads/2026/10/CFB_Fees-and-Charges_20261001v3.pdf","record_stale":false,"record_correction":null,"rate_kind":"fixed","lending_rate_type":"FIXED","fixed_months":36,"kind":"fixed_3","purpose":"owner_occupied","repayment":"principal_and_interest","rate":0.0659,"rate_pct":6.59,"comparison_rate":0.0713,"comparison_rate_pct":7.13,"lvr_min":0.0,"lvr_max":95.0,"lvr_source":"text","loan_min":50000.0,"loan_max":null,"interest_in_advance":false,"offset":false,"redraw":true,"annual_fee":395.0,"upfront_fees":null,"exit_fees":696.0,"revert_rate":0.0684,"revert_rate_basis":"inferred","comparison_check":{"ok":true,"ours_at_150k":7.12,"bank":7.13},"restrictions":["package"],"eligibility":null,"ranked":true,"conditions":["package (annual fee)","The $50 a year in the feed is a Safe Custody Fee for storing title documents, not a loan annual fee","$395 Boost Package annual fee (application fee waived)","Reverts to the corresponding variable Boost Package home loan at the end of the fixed term","Loan $50,000 to $1,500,000 (larger loans negotiable)","Break costs apply to fixed rate loans paid out or switched during the fixed period"],"additional_info":"The comparison rate is based on a secured loan amount of $150,000 over a loan 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.","source_url":"https://netbank.communityfirst.com.au/cf-OpenBanking/cds-au/v1/banking/products/BP-OOPI-3YRF-LVR95","source_snapshot":"/au/finance/home-loans/v1/source/commfcu/BP-OOPI-3YRF-LVR95.json","bank_last_updated":"2026-11-12T09:58:03.000+11:00"},
    {"brand":"CommFCU","brand_label":"Community First Bank","brand_slug":"commfcu","legal_entity_abn":"80087649938","product_id":"BP-INVIO-LVR80","product_name":"BOOST PACKAGE HOME LOAN - INVESTMENT LVR 80% (Interest Only)","product_label":"BOOST PACKAGE HOME LOAN - INVESTMENT LVR 80% (Interest Only)","product_url":"https://www.communityfirst.com.au/products/boost-package-home-loan-investment/","terms_url":"https://cms.communityfirst.com.au/wp-content/uploads/2026/10/CFB_Fees-and-Charges_20261001v3.pdf","record_stale":false,"record_correction":null,"rate_kind":"variable","lending_rate_type":"VARIABLE","fixed_months":null,"kind":"variable","purpose":"investment","repayment":"interest_only","rate":0.0684,"rate_pct":6.84,"comparison_rate":0.0712,"comparison_rate_pct":7.12,"lvr_min":0.0,"lvr_max":80.0,"lvr_source":"text","loan_min":50000.0,"loan_max":null,"interest_in_advance":false,"offset":true,"redraw":true,"annual_fee":395.0,"upfront_fees":null,"exit_fees":696.0,"revert_rate":null,"revert_rate_basis":null,"comparison_check":{"ok":false,"ours_at_150k":7.19,"bank":7.12,"reason":"more than 0.05 points from the bank's"},"restrictions":["package"],"eligibility":null,"ranked":true,"conditions":["package (annual fee)","The $50 a year in the feed is a Safe Custody Fee for storing title documents, not a loan annual fee","$395 Boost Package annual fee (application fee waived)","Up to 8 offset accounts per membership, in the same names as the loan (variable Boost Package only)","Loan $50,000 to $1,500,000 (larger loans negotiable)"],"additional_info":"Comparison rate is calculated on a loan amount of $150,000 over 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.","source_url":"https://netbank.communityfirst.com.au/cf-OpenBanking/cds-au/v1/banking/products/BP-INVIO-LVR80","source_snapshot":"/au/finance/home-loans/v1/source/commfcu/BP-INVIO-LVR80.json","bank_last_updated":"2026-11-12T13:30:54.000+11:00"},
    {"brand":"CommFCU","brand_label":"Community First Bank","brand_slug":"commfcu","legal_entity_abn":"80087649938","product_id":"BP-INVPI-LVR80","product_name":"BOOST PACKAGE HOME LOAN - INVESTMENT LVR 80% (Principal and Interest)","product_label":"BOOST PACKAGE HOME LOAN - INVESTMENT LVR 80% (Principal and Interest)","product_url":"https://www.communityfirst.com.au/products/boost-package-home-loan-investment/","terms_url":"https://cms.communityfirst.com.au/wp-content/uploads/2026/10/CFB_Fees-and-Charges_20261001v3.pdf","record_stale":false,"record_correction":null,"rate_kind":"variable","lending_rate_type":"VARIABLE","fixed_months":null,"kind":"variable","purpose":"investment","repayment":"principal_and_interest","rate":0.0674,"rate_pct":6.74,"comparison_rate":0.0711,"comparison_rate_pct":7.11,"lvr_min":0.0,"lvr_max":80.0,"lvr_source":"text","loan_min":50000.0,"loan_max":null,"interest_in_advance":false,"offset":true,"redraw":true,"annual_fee":395.0,"upfront_fees":null,"exit_fees":696.0,"revert_rate":null,"revert_rate_basis":null,"comparison_check":{"ok":true,"ours_at_150k":7.09,"bank":7.11},"restrictions":["package"],"eligibility":null,"ranked":true,"conditions":["package (annual fee)","The $50 a year in the feed is a Safe Custody Fee for storing title documents, not a loan annual fee","$395 Boost Package annual fee (application fee waived)","Up to 8 offset accounts per membership, in the same names as the loan (variable Boost Package only)","Loan $50,000 to $1,500,000 (larger loans negotiable)"],"additional_info":"Comparison rate is calculated on a loan amount of $150,000 over 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.","source_url":"https://netbank.communityfirst.com.au/cf-OpenBanking/cds-au/v1/banking/products/BP-INVPI-LVR80","source_snapshot":"/au/finance/home-loans/v1/source/commfcu/BP-INVPI-LVR80.json","bank_last_updated":"2026-11-12T13:29:59.000+11:00"},
    {"brand":"CommFCU","brand_label":"Community First Bank","brand_slug":"commfcu","legal_entity_abn":"80087649938","product_id":"BP-INVIO-LVR95","product_name":"BOOST PACKAGE HOME LOAN - INVESTMENT LVR 95% (Interest Only)","product_label":"BOOST PACKAGE HOME LOAN - INVESTMENT LVR 95% (Interest Only)","product_url":"https://www.communityfirst.com.au/products/boost-package-home-loan-investment/","terms_url":"https://cms.communityfirst.com.au/wp-content/uploads/2026/10/CFB_Fees-and-Charges_20261001v3.pdf","record_stale":false,"record_correction":null,"rate_kind":"variable","lending_rate_type":"VARIABLE","fixed_months":null,"kind":"variable","purpose":"investment","repayment":"interest_only","rate":0.0714,"rate_pct":7.14,"comparison_rate":0.0742,"comparison_rate_pct":7.42,"lvr_min":0.0,"lvr_max":95.0,"lvr_source":"text","loan_min":50000.0,"loan_max":null,"interest_in_advance":false,"offset":true,"redraw":true,"annual_fee":395.0,"upfront_fees":null,"exit_fees":696.0,"revert_rate":null,"revert_rate_basis":null,"comparison_check":{"ok":false,"ours_at_150k":7.49,"bank":7.42,"reason":"more than 0.05 points from the bank's"},"restrictions":["package"],"eligibility":null,"ranked":true,"conditions":["package (annual fee)","The $50 a year in the feed is a Safe Custody Fee for storing title documents, not a loan annual fee","$395 Boost Package annual fee (application fee waived)","Up to 8 offset accounts per membership, in the same names as the loan (variable Boost Package only)","Loan $50,000 to $1,500,000 (larger loans negotiable)"],"additional_info":"Comparison rate is calculated on a loan amount of $150,000 over 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.","source_url":"https://netbank.communityfirst.com.au/cf-OpenBanking/cds-au/v1/banking/products/BP-INVIO-LVR95","source_snapshot":"/au/finance/home-loans/v1/source/commfcu/BP-INVIO-LVR95.json","bank_last_updated":"2026-11-12T16:29:27.000+11:00"},
    {"brand":"CommFCU","brand_label":"Community First Bank","brand_slug":"commfcu","legal_entity_abn":"80087649938","product_id":"BP-INVPI-LVR95","product_name":"BOOST PACKAGE HOME LOAN - INVESTMENT LVR 95% (Principal and Interest)","product_label":"BOOST PACKAGE HOME LOAN - INVESTMENT LVR 95% (Principal and Interest)","product_url":"https://www.communityfirst.com.au/products/boost-package-home-loan-investment/","terms_url":"https://cms.communityfirst.com.au/wp-content/uploads/2026/10/CFB_Fees-and-Charges_20261001v3.pdf","record_stale":false,"record_correction":null,"rate_kind":"variable","lending_rate_type":"VARIABLE","fixed_months":null,"kind":"variable","purpose":"investment","repayment":"principal_and_interest","rate":0.0704,"rate_pct":7.04,"comparison_rate":0.074,"comparison_rate_pct":7.4,"lvr_min":0.0,"lvr_max":95.0,"lvr_source":"text","loan_min":50000.0,"loan_max":null,"interest_in_advance":false,"offset":true,"redraw":true,"annual_fee":395.0,"upfront_fees":null,"exit_fees":696.0,"revert_rate":null,"revert_rate_basis":null,"comparison_check":{"ok":true,"ours_at_150k":7.39,"bank":7.4},"restrictions":["package"],"eligibility":null,"ranked":true,"conditions":["package (annual fee)","The $50 a year in the feed is a Safe Custody Fee for storing title documents, not a loan annual fee","$395 Boost Package annual fee (application fee waived)","Up to 8 offset accounts per membership, in the same names as the loan (variable Boost Package only)","Loan $50,000 to $1,500,000 (larger loans negotiable)"],"additional_info":"Comparison rate is calculated on a loan amount of $150,000 over 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.","source_url":"https://netbank.communityfirst.com.au/cf-OpenBanking/cds-au/v1/banking/products/BP-INVPI-LVR95","source_snapshot":"/au/finance/home-loans/v1/source/commfcu/BP-INVPI-LVR95.json","bank_last_updated":"2026-11-12T13:30:21.000+11:00"},
    {"brand":"CommFCU","brand_label":"Community First Bank","brand_slug":"commfcu","legal_entity_abn":"80087649938","product_id":"BP-OOIO-LVR80","product_name":"BOOST PACKAGE HOME LOAN - OWNER-OCCUPIED LVR 80% (Interest Only)","product_label":"BOOST PACKAGE HOME LOAN - OWNER-OCCUPIED LVR 80% (Interest Only)","product_url":"https://www.communityfirst.com.au/products/boost-package-home-loan/","terms_url":"https://cms.communityfirst.com.au/wp-content/uploads/2026/10/CFB_Fees-and-Charges_20261001v3.pdf","record_stale":false,"record_correction":null,"rate_kind":"variable","lending_rate_type":"VARIABLE","fixed_months":null,"kind":"variable","purpose":"owner_occupied","repayment":"interest_only","rate":0.0684,"rate_pct":6.84,"comparison_rate":0.0701,"comparison_rate_pct":7.01,"lvr_min":0.0,"lvr_max":80.0,"lvr_source":"text","loan_min":50000.0,"loan_max":null,"interest_in_advance":false,"offset":true,"redraw":true,"annual_fee":395.0,"upfront_fees":null,"exit_fees":696.0,"revert_rate":null,"revert_rate_basis":null,"comparison_check":{"ok":false,"ours_at_150k":7.19,"bank":7.01,"reason":"more than 0.05 points from the bank's"},"restrictions":["package"],"eligibility":null,"ranked":true,"conditions":["package (annual fee)","The $50 a year in the feed is a Safe Custody Fee for storing title documents, not a loan annual fee","$395 Boost Package annual fee (application fee waived)","Up to 8 offset accounts per membership, in the same names as the loan (variable Boost Package only)","Loan $50,000 to $1,500,000 (larger loans negotiable)"],"additional_info":"Comparison rate is calculated on a loan amount of $150,000 over 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.","source_url":"https://netbank.communityfirst.com.au/cf-OpenBanking/cds-au/v1/banking/products/BP-OOIO-LVR80","source_snapshot":"/au/finance/home-loans/v1/source/commfcu/BP-OOIO-LVR80.json","bank_last_updated":"2026-11-12T13:27:39.000+11:00"},
    {"brand":"CommFCU","brand_label":"Community First Bank","brand_slug":"commfcu","legal_entity_abn":"80087649938","product_id":"BP-OOPI-LVR80","product_name":"BOOST PACKAGE HOME LOAN - OWNER-OCCUPIED LVR 80% (Principal and Interest)","product_label":"BOOST PACKAGE HOME LOAN - OWNER-OCCUPIED LVR 80% (Principal and Interest)","product_url":"https://www.communityfirst.com.au/products/boost-package-home-loan/","terms_url":"https://cms.communityfirst.com.au/wp-content/uploads/2025/12/Boost-Package-Fact-Sheet-20250912.pdf","record_stale":false,"record_correction":null,"rate_kind":"variable","lending_rate_type":"VARIABLE","fixed_months":null,"kind":"variable","purpose":"owner_occupied","repayment":"principal_and_interest","rate":0.0654,"rate_pct":6.54,"comparison_rate":0.0691,"comparison_rate_pct":6.91,"lvr_min":0.0,"lvr_max":80.0,"lvr_source":"text","loan_min":50000.0,"loan_max":null,"interest_in_advance":false,"offset":true,"redraw":true,"annual_fee":395.0,"upfront_fees":null,"exit_fees":696.0,"revert_rate":null,"revert_rate_basis":null,"comparison_check":{"ok":true,"ours_at_150k":6.9,"bank":6.91},"restrictions":["package"],"eligibility":null,"ranked":true,"conditions":["package (annual fee)","The $50 a year in the feed is a Safe Custody Fee for storing title documents, not a loan annual fee","$395 Boost Package annual fee (application fee waived)","Up to 8 offset accounts per membership, in the same names as the loan (variable Boost Package only)","Loan $50,000 to $1,500,000 (larger loans negotiable)"],"additional_info":"Comparison rate is calculated on a loan amount of $150,000 over 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.","source_url":"https://netbank.communityfirst.com.au/cf-OpenBanking/cds-au/v1/banking/products/BP-OOPI-LVR80","source_snapshot":"/au/finance/home-loans/v1/source/commfcu/BP-OOPI-LVR80.json","bank_last_updated":"2026-11-12T13:26:51.000+11:00"},
    {"brand":"CommFCU","brand_label":"Community First Bank","brand_slug":"commfcu","legal_entity_abn":"80087649938","product_id":"BP-OOIO-LVR95","product_name":"BOOST PACKAGE HOME LOAN - OWNER-OCCUPIED LVR 95% (Interest Only)","product_label":"BOOST PACKAGE HOME LOAN - OWNER-OCCUPIED LVR 95% (Interest Only)","product_url":"https://www.communityfirst.com.au/products/boost-package-home-loan/","terms_url":"https://cms.communityfirst.com.au/wp-content/uploads/2026/10/CFB_Fees-and-Charges_20261001v3.pdf","record_stale":false,"record_correction":null,"rate_kind":"variable","lending_rate_type":"VARIABLE","fixed_months":null,"kind":"variable","purpose":"owner_occupied","repayment":"interest_only","rate":0.0714,"rate_pct":7.14,"comparison_rate":0.0731,"comparison_rate_pct":7.31,"lvr_min":0.0,"lvr_max":95.0,"lvr_source":"text","loan_min":50000.0,"loan_max":null,"interest_in_advance":false,"offset":true,"redraw":true,"annual_fee":395.0,"upfront_fees":null,"exit_fees":696.0,"revert_rate":null,"revert_rate_basis":null,"comparison_check":{"ok":false,"ours_at_150k":7.49,"bank":7.31,"reason":"more than 0.05 points from the bank's"},"restrictions":["package"],"eligibility":null,"ranked":true,"conditions":["package (annual fee)","The $50 a year in the feed is a Safe Custody Fee for storing title documents, not a loan annual fee","$395 Boost Package annual fee (application fee waived)","Up to 8 offset accounts per membership, in the same names as the loan (variable Boost Package only)","Loan $50,000 to $1,500,000 (larger loans negotiable)"],"additional_info":"Comparison rate is calculated on a loan amount of $150,000 over 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.","source_url":"https://netbank.communityfirst.com.au/cf-OpenBanking/cds-au/v1/banking/products/BP-OOIO-LVR95","source_snapshot":"/au/finance/home-loans/v1/source/commfcu/BP-OOIO-LVR95.json","bank_last_updated":"2026-11-12T13:27:54.000+11:00"},
    {"brand":"CommFCU","brand_label":"Community First Bank","brand_slug":"commfcu","legal_entity_abn":"80087649938","product_id":"BP-OOPI-LVR95","product_name":"BOOST PACKAGE HOME LOAN - OWNER-OCCUPIED LVR 95% (Principal and Interest)","product_label":"BOOST PACKAGE HOME LOAN - OWNER-OCCUPIED LVR 95% (Principal and Interest)","product_url":"https://www.communityfirst.com.au/products/boost-package-home-loan/","terms_url":"https://cms.communityfirst.com.au/wp-content/uploads/2026/10/CFB_Fees-and-Charges_20261001v3.pdf","record_stale":false,"record_correction":null,"rate_kind":"variable","lending_rate_type":"VARIABLE","fixed_months":null,"kind":"variable","purpose":"owner_occupied","repayment":"principal_and_interest","rate":0.0684,"rate_pct":6.84,"comparison_rate":0.072,"comparison_rate_pct":7.2,"lvr_min":0.0,"lvr_max":95.0,"lvr_source":"text","loan_min":50000.0,"loan_max":null,"interest_in_advance":false,"offset":true,"redraw":true,"annual_fee":395.0,"upfront_fees":null,"exit_fees":696.0,"revert_rate":null,"revert_rate_basis":null,"comparison_check":{"ok":true,"ours_at_150k":7.19,"bank":7.2},"restrictions":["package"],"eligibility":null,"ranked":true,"conditions":["package (annual fee)","The $50 a year in the feed is a Safe Custody Fee for storing title documents, not a loan annual fee","$395 Boost Package annual fee (application fee waived)","Up to 8 offset accounts per membership, in the same names as the loan (variable Boost Package only)","Loan $50,000 to $1,500,000 (larger loans negotiable)"],"additional_info":"Comparison rate is calculated on a loan amount of $150,000 over 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.","source_url":"https://netbank.communityfirst.com.au/cf-OpenBanking/cds-au/v1/banking/products/BP-OOPI-LVR95","source_snapshot":"/au/finance/home-loans/v1/source/commfcu/BP-OOPI-LVR95.json","bank_last_updated":"2026-11-12T13:27:04.000+11:00"},
    {"brand":"CommFCU","brand_label":"Community First Bank","brand_slug":"commfcu","legal_entity_abn":"80087649938","product_id":"L84-VAR-BRIDGE-IO","product_name":"BRIDGING LOAN (Interest Only)","product_label":"BRIDGING LOAN (Interest Only)","product_url":"https://www.communityfirst.com.au/products/bridging-loan","terms_url":"https://cms.communityfirst.com.au/wp-content/uploads/2026/10/CFB_Fees-and-Charges_20261001v3.pdf","record_stale":false,"record_correction":null,"rate_kind":"variable","lending_rate_type":"VARIABLE","fixed_months":null,"kind":"variable","purpose":"owner_occupied","repayment":"interest_only","rate":0.0939,"rate_pct":9.39,"comparison_rate":0.0683,"comparison_rate_pct":6.83,"lvr_min":0.0,"lvr_max":80.0,"lvr_source":"product","loan_min":10000.0,"loan_max":null,"interest_in_advance":false,"offset":false,"redraw":true,"annual_fee":null,"upfront_fees":null,"exit_fees":696.0,"revert_rate":null,"revert_rate_basis":null,"comparison_check":null,"restrictions":["bridging"],"eligibility":null,"ranked":false,"conditions":["bridging loan","The $50 a year in the feed is a Safe Custody Fee for storing title documents, not a loan annual fee","$1,500 bridging loan upfront fee (includes application, one valuation and one legal fee)","Up to 12 months from settlement; interest only with no monthly repayments; all loans must be held with Community First"],"additional_info":"The comparison rate is based on a secured loan amount of $150,000 over a loan 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.","source_url":"https://netbank.communityfirst.com.au/cf-OpenBanking/cds-au/v1/banking/products/L84-VAR-BRIDGE-IO","source_snapshot":"/au/finance/home-loans/v1/source/commfcu/L84-VAR-BRIDGE-IO.json","bank_last_updated":"2026-11-10T16:40:42.000+11:00"},
    {"brand":"CommFCU","brand_label":"Community First Bank","brand_slug":"commfcu","legal_entity_abn":"80087649938","product_id":"L84-VAR-BRIDGE-INVIO","product_name":"BRIDGING LOAN INVESTMENT (Interest Only)","product_label":"BRIDGING LOAN INVESTMENT (Interest Only)","product_url":"https://www.communityfirst.com.au/products/bridging-loan","terms_url":"https://cms.communityfirst.com.au/wp-content/uploads/2026/10/CFB_Fees-and-Charges_20261001v3.pdf","record_stale":false,"record_correction":null,"rate_kind":"variable","lending_rate_type":"VARIABLE","fixed_months":null,"kind":"variable","purpose":"investment","repayment":"interest_only","rate":0.0939,"rate_pct":9.39,"comparison_rate":0.0705,"comparison_rate_pct":7.05,"lvr_min":0.0,"lvr_max":80.0,"lvr_source":"product","loan_min":50000.0,"loan_max":null,"interest_in_advance":false,"offset":false,"redraw":true,"annual_fee":null,"upfront_fees":null,"exit_fees":696.0,"revert_rate":null,"revert_rate_basis":null,"comparison_check":null,"restrictions":["bridging"],"eligibility":null,"ranked":false,"conditions":["bridging loan","The $50 a year in the feed is a Safe Custody Fee for storing title documents, not a loan annual fee","$1,500 bridging loan upfront fee (includes application, one valuation and one legal fee)","Up to 12 months from settlement; interest only with no monthly repayments; all loans must be held with Community First"],"additional_info":"The comparison rate is based on a secured loan amount of $150,000 over a loan 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.","source_url":"https://netbank.communityfirst.com.au/cf-OpenBanking/cds-au/v1/banking/products/L84-VAR-BRIDGE-INVIO","source_snapshot":"/au/finance/home-loans/v1/source/commfcu/L84-VAR-BRIDGE-INVIO.json","bank_last_updated":"2026-11-10T16:36:01.000+11:00"},
    {"brand":"CommFCU","brand_label":"Community First Bank","brand_slug":"commfcu","legal_entity_abn":"80087649938","product_id":"CA-INVPI-1YRF","product_name":"Community Advantage 1 year fixed Investment (Principal and Interest)","product_label":"Community Advantage 1 Year Fixed Investment (Principal and Interest)","product_url":"https://communityfirst.com.au/community-advantage-home-loan","terms_url":"https://cms.communityfirst.com.au/wp-content/uploads/2026/10/CFB_Fees-and-Charges_20261001v3.pdf","record_stale":false,"record_correction":null,"rate_kind":"fixed","lending_rate_type":"FIXED","fixed_months":12,"kind":"fixed_1","purpose":"investment","repayment":"principal_and_interest","rate":0.0709,"rate_pct":7.09,"comparison_rate":0.0712,"comparison_rate_pct":7.12,"lvr_min":0.0,"lvr_max":90.0,"lvr_source":"product","loan_min":50000.0,"loan_max":null,"interest_in_advance":false,"offset":false,"redraw":true,"annual_fee":null,"upfront_fees":600.0,"exit_fees":696.0,"revert_rate":0.0704,"revert_rate_basis":"inferred","comparison_check":{"ok":true,"ours_at_150k":7.1,"bank":7.12},"restrictions":["restricted_membership"],"eligibility":{"restricted":true,"who":"At least one borrower must work in an eligible profession (police, ambulance/paramedics, nurses, firefighters, teachers and others listed)","quote":"To qualify, at least one borrower (not guarantor) must be employed/engaged in one of the occupations listed below.","source_url":"https://communityfirst.com.au/community-advantage-home-loan"},"ranked":true,"conditions":["The $50 a year in the feed is a Safe Custody Fee for storing title documents, not a loan annual fee","At least one borrower must work in an eligible profession (police, ambulance/paramedics, nurses, firefighters, teachers and others listed)","No LMI up to 90% LVR; some suburb exclusions","New lending up to $1.2 million","Principal and interest lending for purchase or construction only","Reverts to the Community Advantage Variable rate at the end of the fixed period; break costs if switched while fixed"],"additional_info":"The comparison rate is based on a secured loan amount of $150,000 over a loan 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.","source_url":"https://netbank.communityfirst.com.au/cf-OpenBanking/cds-au/v1/banking/products/CA-INVPI-1YRF","source_snapshot":"/au/finance/home-loans/v1/source/commfcu/CA-INVPI-1YRF.json","bank_last_updated":"2026-11-10T14:17:03.000+11:00"},
    {"brand":"CommFCU","brand_label":"Community First Bank","brand_slug":"commfcu","legal_entity_abn":"80087649938","product_id":"CA-OOPI-1YRF","product_name":"Community Advantage 1 year fixed Owner Occupied (Principal and Interest)","product_label":"Community Advantage 1 Year Fixed Owner Occupied (Principal and Interest)","product_url":"https://communityfirst.com.au/community-advantage-home-loan","terms_url":"https://cms.communityfirst.com.au/wp-content/uploads/2026/10/CFB_Fees-and-Charges_20261001v3.pdf","record_stale":false,"record_correction":null,"rate_kind":"fixed","lending_rate_type":"FIXED","fixed_months":12,"kind":"fixed_1","purpose":"owner_occupied","repayment":"principal_and_interest","rate":0.0704,"rate_pct":7.04,"comparison_rate":0.0709,"comparison_rate_pct":7.09,"lvr_min":0.0,"lvr_max":90.0,"lvr_source":"product","loan_min":50000.0,"loan_max":null,"interest_in_advance":false,"offset":false,"redraw":true,"annual_fee":null,"upfront_fees":600.0,"exit_fees":696.0,"revert_rate":0.0704,"revert_rate_basis":"inferred","comparison_check":{"ok":true,"ours_at_150k":7.09,"bank":7.09},"restrictions":["restricted_membership"],"eligibility":{"restricted":true,"who":"At least one borrower must work in an eligible profession (police, ambulance/paramedics, nurses, firefighters, teachers and others listed)","quote":"To qualify, at least one borrower (not guarantor) must be employed/engaged in one of the occupations listed below.","source_url":"https://communityfirst.com.au/community-advantage-home-loan"},"ranked":true,"conditions":["The $50 a year in the feed is a Safe Custody Fee for storing title documents, not a loan annual fee","At least one borrower must work in an eligible profession (police, ambulance/paramedics, nurses, firefighters, teachers and others listed)","No LMI up to 90% LVR; some suburb exclusions","New lending up to $1.2 million","Principal and interest lending for purchase or construction only","Reverts to the Community Advantage Variable rate at the end of the fixed period; break costs if switched while fixed"],"additional_info":"The comparison rate is based on a secured loan amount of $150,000 over a loan 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.","source_url":"https://netbank.communityfirst.com.au/cf-OpenBanking/cds-au/v1/banking/products/CA-OOPI-1YRF","source_snapshot":"/au/finance/home-loans/v1/source/commfcu/CA-OOPI-1YRF.json","bank_last_updated":"2026-11-10T16:29:33.000+11:00"},
    {"brand":"CommFCU","brand_label":"Community First Bank","brand_slug":"commfcu","legal_entity_abn":"80087649938","product_id":"CA-OOPI-2YRF","product_name":"Community Advantage 2 year fixed owner occupied (Principal and Interest)","product_label":"Community Advantage 2 Year Fixed Owner Occupied (Principal and Interest)","product_url":"https://communityfirst.com.au/community-advantage-home-loan","terms_url":"https://cms.communityfirst.com.au/wp-content/uploads/2026/10/CFB_Fees-and-Charges_20261001v3.pdf","record_stale":false,"record_correction":null,"rate_kind":"fixed","lending_rate_type":"FIXED","fixed_months":24,"kind":"fixed_2","purpose":"owner_occupied","repayment":"principal_and_interest","rate":0.0699,"rate_pct":6.99,"comparison_rate":0.0708,"comparison_rate_pct":7.08,"lvr_min":0.0,"lvr_max":90.0,"lvr_source":"product","loan_min":50000.0,"loan_max":null,"interest_in_advance":false,"offset":false,"redraw":true,"annual_fee":null,"upfront_fees":600.0,"exit_fees":696.0,"revert_rate":0.0704,"revert_rate_basis":"inferred","comparison_check":{"ok":true,"ours_at_150k":7.08,"bank":7.08},"restrictions":["restricted_membership"],"eligibility":{"restricted":true,"who":"At least one borrower must work in an eligible profession (police, ambulance/paramedics, nurses, firefighters, teachers and others listed)","quote":"To qualify, at least one borrower (not guarantor) must be employed/engaged in one of the occupations listed below.","source_url":"https://communityfirst.com.au/community-advantage-home-loan"},"ranked":true,"conditions":["The $50 a year in the feed is a Safe Custody Fee for storing title documents, not a loan annual fee","At least one borrower must work in an eligible profession (police, ambulance/paramedics, nurses, firefighters, teachers and others listed)","No LMI up to 90% LVR; some suburb exclusions","New lending up to $1.2 million","Principal and interest lending for purchase or construction only","Reverts to the Community Advantage Variable rate at the end of the fixed period; break costs if switched while fixed"],"additional_info":"The comparison rate is based on a secured loan amount of $150,000 over a loan 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.","source_url":"https://netbank.communityfirst.com.au/cf-OpenBanking/cds-au/v1/banking/products/CA-OOPI-2YRF","source_snapshot":"/au/finance/home-loans/v1/source/commfcu/CA-OOPI-2YRF.json","bank_last_updated":"2026-11-10T16:31:17.000+11:00"},
    {"brand":"CommFCU","brand_label":"Community First Bank","brand_slug":"commfcu","legal_entity_abn":"80087649938","product_id":"CA-INVPI-3YRF","product_name":"Community Advantage 3 year fixed Investment (Principal and Interest)","product_label":"Community Advantage 3 Year Fixed Investment (Principal and Interest)","product_url":"https://communityfirst.com.au/community-advantage-home-loan","terms_url":"https://cms.communityfirst.com.au/wp-content/uploads/2026/10/CFB_Fees-and-Charges_20261001v3.pdf","record_stale":false,"record_correction":null,"rate_kind":"fixed","lending_rate_type":"FIXED","fixed_months":36,"kind":"fixed_3","purpose":"investment","repayment":"principal_and_interest","rate":0.0699,"rate_pct":6.99,"comparison_rate":0.0729,"comparison_rate_pct":7.29,"lvr_min":0.0,"lvr_max":90.0,"lvr_source":"product","loan_min":50000.0,"loan_max":null,"interest_in_advance":false,"offset":false,"redraw":true,"annual_fee":null,"upfront_fees":600.0,"exit_fees":696.0,"revert_rate":0.0734,"revert_rate_basis":"inferred","comparison_check":{"ok":true,"ours_at_150k":7.29,"bank":7.29},"restrictions":["restricted_membership"],"eligibility":{"restricted":true,"who":"At least one borrower must work in an eligible profession (police, ambulance/paramedics, nurses, firefighters, teachers and others listed)","quote":"To qualify, at least one borrower (not guarantor) must be employed/engaged in one of the occupations listed below.","source_url":"https://communityfirst.com.au/community-advantage-home-loan"},"ranked":true,"conditions":["The $50 a year in the feed is a Safe Custody Fee for storing title documents, not a loan annual fee","At least one borrower must work in an eligible profession (police, ambulance/paramedics, nurses, firefighters, teachers and others listed)","No LMI up to 90% LVR; some suburb exclusions","New lending up to $1.2 million","Principal and interest lending for purchase or construction only","Reverts to the Community Advantage Variable rate at the end of the fixed period; break costs if switched while fixed"],"additional_info":"The comparison rate is based on a secured loan amount of $150,000 over a loan 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.","source_url":"https://netbank.communityfirst.com.au/cf-OpenBanking/cds-au/v1/banking/products/CA-INVPI-3YRF","source_snapshot":"/au/finance/home-loans/v1/source/commfcu/CA-INVPI-3YRF.json","bank_last_updated":"2026-11-10T16:34:03.000+11:00"},
    {"brand":"CommFCU","brand_label":"Community First Bank","brand_slug":"commfcu","legal_entity_abn":"80087649938","product_id":"CA-OOPI-3YRF","product_name":"Community Advantage 3 year fixed Owner Occupied (Principal and Interest)","product_label":"Community Advantage 3 Year Fixed Owner Occupied (Principal and Interest)","product_url":"https://communityfirst.com.au/community-advantage-home-loan","terms_url":"https://cms.communityfirst.com.au/wp-content/uploads/2026/10/CFB_Fees-and-Charges_20261001v3.pdf","record_stale":false,"record_correction":null,"rate_kind":"fixed","lending_rate_type":"FIXED","fixed_months":36,"kind":"fixed_3","purpose":"owner_occupied","repayment":"principal_and_interest","rate":0.0694,"rate_pct":6.94,"comparison_rate":0.0689,"comparison_rate_pct":6.89,"lvr_min":0.0,"lvr_max":90.0,"lvr_source":"product","loan_min":50000.0,"loan_max":null,"interest_in_advance":false,"offset":false,"redraw":true,"annual_fee":null,"upfront_fees":600.0,"exit_fees":696.0,"revert_rate":0.0684,"revert_rate_basis":"inferred","comparison_check":{"ok":true,"ours_at_150k":6.92,"bank":6.89},"restrictions":["restricted_membership"],"eligibility":{"restricted":true,"who":"At least one borrower must work in an eligible profession (police, ambulance/paramedics, nurses, firefighters, teachers and others listed)","quote":"To qualify, at least one borrower (not guarantor) must be employed/engaged in one of the occupations listed below.","source_url":"https://communityfirst.com.au/community-advantage-home-loan"},"ranked":true,"conditions":["The $50 a year in the feed is a Safe Custody Fee for storing title documents, not a loan annual fee","At least one borrower must work in an eligible profession (police, ambulance/paramedics, nurses, firefighters, teachers and others listed)","No LMI up to 90% LVR; some suburb exclusions","New lending up to $1.2 million","Principal and interest lending for purchase or construction only","Reverts to the Community Advantage Variable rate at the end of the fixed period; break costs if switched while fixed"],"additional_info":"The comparison rate is based on a secured loan amount of $150,000 over a loan 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.","source_url":"https://netbank.communityfirst.com.au/cf-OpenBanking/cds-au/v1/banking/products/CA-OOPI-3YRF","source_snapshot":"/au/finance/home-loans/v1/source/commfcu/CA-OOPI-3YRF.json","bank_last_updated":"2026-11-10T14:15:26.000+11:00"},
    {"brand":"CommFCU","brand_label":"Community First Bank","brand_slug":"commfcu","legal_entity_abn":"80087649938","product_id":"CA-INVPI-VAR","product_name":"Community Advantage Variable Investment (Principal and Interest)","product_label":"Community Advantage Variable Investment (Principal and Interest)","product_url":"https://communityfirst.com.au/community-advantage-home-loan","terms_url":"https://cms.communityfirst.com.au/wp-content/uploads/2026/10/CFB_Fees-and-Charges_20261001v3.pdf","record_stale":false,"record_correction":null,"rate_kind":"variable","lending_rate_type":"VARIABLE","fixed_months":null,"kind":"variable","purpose":"investment","repayment":"principal_and_interest","rate":0.0734,"rate_pct":7.34,"comparison_rate":0.0739,"comparison_rate_pct":7.39,"lvr_min":0.0,"lvr_max":90.0,"lvr_source":"product","loan_min":50000.0,"loan_max":null,"interest_in_advance":false,"offset":false,"redraw":true,"annual_fee":null,"upfront_fees":600.0,"exit_fees":696.0,"revert_rate":null,"revert_rate_basis":null,"comparison_check":{"ok":true,"ours_at_150k":7.39,"bank":7.39},"restrictions":["restricted_membership"],"eligibility":{"restricted":true,"who":"At least one borrower must work in an eligible profession (police, ambulance/paramedics, nurses, firefighters, teachers and others listed)","quote":"To qualify, at least one borrower (not guarantor) must be employed/engaged in one of the occupations listed below.","source_url":"https://communityfirst.com.au/community-advantage-home-loan"},"ranked":true,"conditions":["The $50 a year in the feed is a Safe Custody Fee for storing title documents, not a loan annual fee","At least one borrower must work in an eligible profession (police, ambulance/paramedics, nurses, firefighters, teachers and others listed)","No LMI up to 90% LVR; some suburb exclusions","New lending up to $1.2 million","Principal and interest lending for purchase or construction only"],"additional_info":"Comparison rate is calculated on a loan amount of $150,000 over 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.","source_url":"https://netbank.communityfirst.com.au/cf-OpenBanking/cds-au/v1/banking/products/CA-INVPI-VAR","source_snapshot":"/au/finance/home-loans/v1/source/commfcu/CA-INVPI-VAR.json","bank_last_updated":"2026-11-10T16:34:59.000+11:00"},
    {"brand":"CommFCU","brand_label":"Community First Bank","brand_slug":"commfcu","legal_entity_abn":"80087649938","product_id":"CA-OOPI-VAR","product_name":"Community Advantage Variable Owner Occupied (Principal and Interest)","product_label":"Community Advantage Variable Owner Occupied (Principal and Interest)","product_url":"https://communityfirst.com.au/community-advantage-home-loan","terms_url":"https://cms.communityfirst.com.au/wp-content/uploads/2026/10/CFB_Fees-and-Charges_20261001v3.pdf","record_stale":false,"record_correction":null,"rate_kind":"variable","lending_rate_type":"VARIABLE","fixed_months":null,"kind":"variable","purpose":"owner_occupied","repayment":"principal_and_interest","rate":0.0704,"rate_pct":7.04,"comparison_rate":0.0684,"comparison_rate_pct":6.84,"lvr_min":0.0,"lvr_max":90.0,"lvr_source":"product","loan_min":50000.0,"loan_max":null,"interest_in_advance":false,"offset":false,"redraw":true,"annual_fee":null,"upfront_fees":600.0,"exit_fees":696.0,"revert_rate":null,"revert_rate_basis":null,"comparison_check":{"ok":false,"ours_at_150k":7.09,"bank":6.84,"reason":"more than 0.05 points from the bank's"},"restrictions":["restricted_membership"],"eligibility":{"restricted":true,"who":"At least one borrower must work in an eligible profession (police, ambulance/paramedics, nurses, firefighters, teachers and others listed)","quote":"To qualify, at least one borrower (not guarantor) must be employed/engaged in one of the occupations listed below.","source_url":"https://communityfirst.com.au/community-advantage-home-loan"},"ranked":true,"conditions":["The $50 a year in the feed is a Safe Custody Fee for storing title documents, not a loan annual fee","At least one borrower must work in an eligible profession (police, ambulance/paramedics, nurses, firefighters, teachers and others listed)","No LMI up to 90% LVR; some suburb exclusions","New lending up to $1.2 million","Principal and interest lending for purchase or construction only"],"additional_info":"Comparison rate is calculated on a loan amount of $150,000 over 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.","source_url":"https://netbank.communityfirst.com.au/cf-OpenBanking/cds-au/v1/banking/products/CA-OOPI-VAR","source_snapshot":"/au/finance/home-loans/v1/source/commfcu/CA-OOPI-VAR.json","bank_last_updated":"2026-11-10T14:15:42.000+11:00"},
    {"brand":"CommFCU","brand_label":"Community First Bank","brand_slug":"commfcu","legal_entity_abn":"80087649938","product_id":"GB-INVIO-1YRF-LVR80","product_name":"GO BASIC 1 YEAR FIXED HOME LOAN - INVESTMENT LVR 80% (Interest Only)","product_label":"GO BASIC 1 YEAR FIXED HOME LOAN - INVESTMENT LVR 80% (Interest Only)","product_url":"https://www.communityfirst.com.au/products/go-basic-fixed-home-loan-investment/","terms_url":"https://cms.communityfirst.com.au/wp-content/uploads/2026/10/CFB_Fees-and-Charges_20261001v3.pdf","record_stale":false,"record_correction":null,"rate_kind":"fixed","lending_rate_type":"FIXED","fixed_months":12,"kind":"fixed_1","purpose":"investment","repayment":"interest_only","rate":0.0709,"rate_pct":7.09,"comparison_rate":0.0674,"comparison_rate_pct":6.74,"lvr_min":0.0,"lvr_max":80.0,"lvr_source":"text","loan_min":50000.0,"loan_max":null,"interest_in_advance":false,"offset":false,"redraw":true,"annual_fee":null,"upfront_fees":600.0,"exit_fees":696.0,"revert_rate":null,"revert_rate_basis":null,"comparison_check":{"ok":false,"ours_at_150k":null,"bank":6.74,"reason":"revert rate not published"},"restrictions":[],"eligibility":null,"ranked":true,"conditions":["The $50 a year in the feed is a Safe Custody Fee for storing title documents, not a loan annual fee"],"additional_info":"The comparison rate is based on a secured loan amount of $150,000 over a loan 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.","source_url":"https://netbank.communityfirst.com.au/cf-OpenBanking/cds-au/v1/banking/products/GB-INVIO-1YRF-LVR80","source_snapshot":"/au/finance/home-loans/v1/source/commfcu/GB-INVIO-1YRF-LVR80.json","bank_last_updated":"2026-11-10T16:01:59.000+11:00"},
    {"brand":"CommFCU","brand_label":"Community First Bank","brand_slug":"commfcu","legal_entity_abn":"80087649938","product_id":"GB-INVPI-1YRF-LVR80","product_name":"GO BASIC 1 YEAR FIXED HOME LOAN - INVESTMENT LVR 80% (Principal and Interest)","product_label":"GO BASIC 1 YEAR FIXED HOME LOAN - INVESTMENT LVR 80% (Principal and Interest)","product_url":"https://www.communityfirst.com.au/products/go-basic-fixed-home-loan-investment/","terms_url":"https://cms.communityfirst.com.au/wp-content/uploads/2026/10/CFB_Fees-and-Charges_20261001v3.pdf","record_stale":false,"record_correction":null,"rate_kind":"fixed","lending_rate_type":"FIXED","fixed_months":12,"kind":"fixed_1","purpose":"investment","repayment":"principal_and_interest","rate":0.0679,"rate_pct":6.79,"comparison_rate":0.0671,"comparison_rate_pct":6.71,"lvr_min":0.0,"lvr_max":80.0,"lvr_source":"text","loan_min":50000.0,"loan_max":null,"interest_in_advance":false,"offset":false,"redraw":true,"annual_fee":null,"upfront_fees":600.0,"exit_fees":696.0,"revert_rate":0.0664,"revert_rate_basis":"inferred","comparison_check":{"ok":true,"ours_at_150k":6.71,"bank":6.71},"restrictions":[],"eligibility":null,"ranked":true,"conditions":["The $50 a year in the feed is a Safe Custody Fee for storing title documents, not a loan annual fee"],"additional_info":"The comparison rate is based on a secured loan amount of $150,000 over a loan 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.","source_url":"https://netbank.communityfirst.com.au/cf-OpenBanking/cds-au/v1/banking/products/GB-INVPI-1YRF-LVR80","source_snapshot":"/au/finance/home-loans/v1/source/commfcu/GB-INVPI-1YRF-LVR80.json","bank_last_updated":"2026-11-10T16:15:37.000+11:00"},
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    {"brand":"Easy Street","brand_label":"Easy Street","brand_slug":"easy-street","legal_entity_abn":"80087649938","product_id":"L51-ES1YRF-INVPI","product_name":"1 YEAR FIXED HOME LOAN - INVESTMENT (Principal and Interest)","product_label":"1 YEAR FIXED HOME LOAN - INVESTMENT (Principal and Interest)","product_url":"https://easystreet.com.au/fixed-home-loan","terms_url":"https://cms.easystreet.com.au/wp-content/uploads/2025/06/ES-TMD-Fixed-Home-Loan_Jun25-1.pdf","record_stale":true,"record_correction":null,"rate_kind":"fixed","lending_rate_type":"FIXED","fixed_months":12,"kind":"fixed_1","purpose":"investment","repayment":"principal_and_interest","rate":0.0654,"rate_pct":6.54,"comparison_rate":0.0636,"comparison_rate_pct":6.36,"lvr_min":0.0,"lvr_max":80.0,"lvr_source":"product","loan_min":50000.0,"loan_max":null,"interest_in_advance":false,"offset":true,"redraw":true,"annual_fee":null,"upfront_fees":500.0,"exit_fees":null,"revert_rate":0.0629,"revert_rate_basis":"inferred","comparison_check":{"ok":true,"ours_at_150k":6.35,"bank":6.36},"restrictions":[],"eligibility":null,"ranked":true,"conditions":["not updated by the bank since 2026-10-21, before the Reserve Bank's cash rate rise of 4 November 2026; check its page, as the rate may have changed","$696 mortgage discharge fee","Reverts to the Street Smart variable rate after the fixed period","Break cost fee if the loan is paid out in full during the fixed period","Not available for construction loans"],"additional_info":"The comparison rate is based on a secured loan amount of $150,000 over a loan 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.","source_url":"https://ebranch.easystreet.com.au/es-OpenBanking/cds-au/v1/banking/products/L51-ES1YRF-INVPI","source_snapshot":"/au/finance/home-loans/v1/source/easy-street/L51-ES1YRF-INVPI.json","bank_last_updated":"2026-10-21T15:27:48.000+11:00"},
    {"brand":"Easy Street","brand_label":"Easy Street","brand_slug":"easy-street","legal_entity_abn":"80087649938","product_id":"L43-ES1YRF-OOPI","product_name":"1 YEAR FIXED HOME LOAN - OWNER-OCCUPIED (Principal and Interest)","product_label":"1 YEAR FIXED HOME LOAN - OWNER-OCCUPIED (Principal and Interest)","product_url":"https://easystreet.com.au/fixed-home-loan","terms_url":"https://cms.easystreet.com.au/wp-content/uploads/2025/06/ES-TMD-Fixed-Home-Loan_Jun25-1.pdf","record_stale":true,"record_correction":null,"rate_kind":"fixed","lending_rate_type":"FIXED","fixed_months":12,"kind":"fixed_1","purpose":"owner_occupied","repayment":"principal_and_interest","rate":0.0654,"rate_pct":6.54,"comparison_rate":0.0636,"comparison_rate_pct":6.36,"lvr_min":0.0,"lvr_max":80.0,"lvr_source":"product","loan_min":50000.0,"loan_max":null,"interest_in_advance":false,"offset":true,"redraw":true,"annual_fee":null,"upfront_fees":500.0,"exit_fees":null,"revert_rate":0.0629,"revert_rate_basis":"inferred","comparison_check":{"ok":true,"ours_at_150k":6.35,"bank":6.36},"restrictions":[],"eligibility":null,"ranked":true,"conditions":["not updated by the bank since 2026-10-21, before the Reserve Bank's cash rate rise of 4 November 2026; check its page, as the rate may have changed","$696 mortgage discharge fee","Reverts to the Street Smart variable rate after the fixed period","Break cost fee if the loan is paid out in full during the fixed period","Not available for construction loans"],"additional_info":"The comparison rate is based on a secured loan amount of $150,000 over a loan 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.","source_url":"https://ebranch.easystreet.com.au/es-OpenBanking/cds-au/v1/banking/products/L43-ES1YRF-OOPI","source_snapshot":"/au/finance/home-loans/v1/source/easy-street/L43-ES1YRF-OOPI.json","bank_last_updated":"2026-10-21T15:27:33.000+11:00"},
    {"brand":"Easy Street","brand_label":"Easy Street","brand_slug":"easy-street","legal_entity_abn":"80087649938","product_id":"L51-ES2YRF-INVIO","product_name":"2 YEAR FIXED HOME LOAN - INVESTMENT (Interest Only)","product_label":"2 YEAR FIXED HOME LOAN - INVESTMENT (Interest Only)","product_url":"https://easystreet.com.au/fixed-home-loan","terms_url":"https://cms.easystreet.com.au/wp-content/uploads/2025/06/ES-TMD-Fixed-Home-Loan_Jun25-1.pdf","record_stale":true,"record_correction":null,"rate_kind":"fixed","lending_rate_type":"FIXED","fixed_months":24,"kind":"fixed_2","purpose":"investment","repayment":"interest_only","rate":0.0684,"rate_pct":6.84,"comparison_rate":0.0644,"comparison_rate_pct":6.44,"lvr_min":0.0,"lvr_max":80.0,"lvr_source":"product","loan_min":50000.0,"loan_max":null,"interest_in_advance":false,"offset":true,"redraw":true,"annual_fee":null,"upfront_fees":500.0,"exit_fees":null,"revert_rate":null,"revert_rate_basis":null,"comparison_check":{"ok":false,"ours_at_150k":null,"bank":6.44,"reason":"revert rate not published"},"restrictions":[],"eligibility":null,"ranked":true,"conditions":["not updated by the bank since 2026-10-21, before the Reserve Bank's cash rate rise of 4 November 2026; check its page, as the rate may have changed","$696 mortgage discharge fee","Reverts to the Street Smart variable rate after the fixed period","Break cost fee if the loan is paid out in full during the fixed period","Not available for construction loans"],"additional_info":"The comparison rate is based on a secured loan amount of $150,000 over a loan 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.","source_url":"https://ebranch.easystreet.com.au/es-OpenBanking/cds-au/v1/banking/products/L51-ES2YRF-INVIO","source_snapshot":"/au/finance/home-loans/v1/source/easy-street/L51-ES2YRF-INVIO.json","bank_last_updated":"2026-10-21T15:27:48.000+11:00"},
    {"brand":"Easy Street","brand_label":"Easy Street","brand_slug":"easy-street","legal_entity_abn":"80087649938","product_id":"L51-ES2YRF-INVPI","product_name":"2 YEAR FIXED HOME LOAN - INVESTMENT (Principal and Interest)","product_label":"2 YEAR FIXED HOME LOAN - INVESTMENT (Principal and Interest)","product_url":"https://easystreet.com.au/fixed-home-loan","terms_url":"https://cms.easystreet.com.au/wp-content/uploads/2025/06/ES-TMD-Fixed-Home-Loan_Jun25-1.pdf","record_stale":true,"record_correction":null,"rate_kind":"fixed","lending_rate_type":"FIXED","fixed_months":24,"kind":"fixed_2","purpose":"investment","repayment":"principal_and_interest","rate":0.0654,"rate_pct":6.54,"comparison_rate":0.0639,"comparison_rate_pct":6.39,"lvr_min":0.0,"lvr_max":80.0,"lvr_source":"product","loan_min":50000.0,"loan_max":null,"interest_in_advance":false,"offset":true,"redraw":true,"annual_fee":null,"upfront_fees":500.0,"exit_fees":null,"revert_rate":0.0629,"revert_rate_basis":"inferred","comparison_check":{"ok":true,"ours_at_150k":6.38,"bank":6.39},"restrictions":[],"eligibility":null,"ranked":true,"conditions":["not updated by the bank since 2026-10-21, before the Reserve Bank's cash rate rise of 4 November 2026; check its page, as the rate may have changed","$696 mortgage discharge fee","Reverts to the Street Smart variable rate after the fixed period","Break cost fee if the loan is paid out in full during the fixed period","Not available for construction loans"],"additional_info":"The comparison rate is based on a secured loan amount of $150,000 over a loan 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.","source_url":"https://ebranch.easystreet.com.au/es-OpenBanking/cds-au/v1/banking/products/L51-ES2YRF-INVPI","source_snapshot":"/au/finance/home-loans/v1/source/easy-street/L51-ES2YRF-INVPI.json","bank_last_updated":"2026-10-21T15:27:48.000+11:00"},
    {"brand":"Easy Street","brand_label":"Easy Street","brand_slug":"easy-street","legal_entity_abn":"80087649938","product_id":"L43-ES2YRF-OOPI","product_name":"2 YEAR FIXED HOME LOAN - OWNER-OCCUPIED (Principal and Interest)","product_label":"2 YEAR FIXED HOME LOAN - OWNER-OCCUPIED (Principal and Interest)","product_url":"https://easystreet.com.au/fixed-home-loan","terms_url":"https://cms.easystreet.com.au/wp-content/uploads/2025/06/ES-TMD-Fixed-Home-Loan_Jun25-1.pdf","record_stale":true,"record_correction":null,"rate_kind":"fixed","lending_rate_type":"FIXED","fixed_months":24,"kind":"fixed_2","purpose":"owner_occupied","repayment":"principal_and_interest","rate":0.0654,"rate_pct":6.54,"comparison_rate":0.0639,"comparison_rate_pct":6.39,"lvr_min":0.0,"lvr_max":80.0,"lvr_source":"product","loan_min":50000.0,"loan_max":null,"interest_in_advance":false,"offset":true,"redraw":true,"annual_fee":null,"upfront_fees":500.0,"exit_fees":null,"revert_rate":0.0629,"revert_rate_basis":"inferred","comparison_check":{"ok":true,"ours_at_150k":6.38,"bank":6.39},"restrictions":[],"eligibility":null,"ranked":true,"conditions":["not updated by the bank since 2026-10-21, before the Reserve Bank's cash rate rise of 4 November 2026; check its page, as the rate may have changed","$696 mortgage discharge fee","Reverts to the Street Smart variable rate after the fixed period","Break cost fee if the loan is paid out in full during the fixed period","Not available for construction loans"],"additional_info":"Comparison rate is calculated on a loan amount of $150,000 over 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.","source_url":"https://ebranch.easystreet.com.au/es-OpenBanking/cds-au/v1/banking/products/L43-ES2YRF-OOPI","source_snapshot":"/au/finance/home-loans/v1/source/easy-street/L43-ES2YRF-OOPI.json","bank_last_updated":"2026-10-21T15:27:33.000+11:00"},
    {"brand":"Easy Street","brand_label":"Easy Street","brand_slug":"easy-street","legal_entity_abn":"80087649938","product_id":"L51-ES3YRF-INVIO","product_name":"3 YEAR FIXED HOME LOAN - INVESTMENT (Interest Only)","product_label":"3 YEAR FIXED HOME LOAN - INVESTMENT (Interest Only)","product_url":"https://easystreet.com.au/fixed-home-loan","terms_url":"https://cms.easystreet.com.au/wp-content/uploads/2025/06/ES-TMD-Fixed-Home-Loan_Jun25-1.pdf","record_stale":true,"record_correction":null,"rate_kind":"fixed","lending_rate_type":"FIXED","fixed_months":36,"kind":"fixed_3","purpose":"investment","repayment":"interest_only","rate":0.0674,"rate_pct":6.74,"comparison_rate":0.0646,"comparison_rate_pct":6.46,"lvr_min":0.0,"lvr_max":80.0,"lvr_source":"product","loan_min":50000.0,"loan_max":null,"interest_in_advance":false,"offset":true,"redraw":true,"annual_fee":null,"upfront_fees":500.0,"exit_fees":null,"revert_rate":null,"revert_rate_basis":null,"comparison_check":{"ok":false,"ours_at_150k":null,"bank":6.46,"reason":"revert rate not published"},"restrictions":[],"eligibility":null,"ranked":true,"conditions":["not updated by the bank since 2026-10-21, before the Reserve Bank's cash rate rise of 4 November 2026; check its page, as the rate may have changed","$696 mortgage discharge fee","Reverts to the Street Smart variable rate after the fixed period","Break cost fee if the loan is paid out in full during the fixed period","Not available for construction loans"],"additional_info":"The comparison rate is based on a secured loan amount of $150,000 over a loan 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.","source_url":"https://ebranch.easystreet.com.au/es-OpenBanking/cds-au/v1/banking/products/L51-ES3YRF-INVIO","source_snapshot":"/au/finance/home-loans/v1/source/easy-street/L51-ES3YRF-INVIO.json","bank_last_updated":"2026-10-21T15:27:48.000+11:00"},
    {"brand":"Easy Street","brand_label":"Easy Street","brand_slug":"easy-street","legal_entity_abn":"80087649938","product_id":"L51-ES3YRF-INVPI","product_name":"3 YEAR FIXED HOME LOAN - INVESTMENT (Principal and Interest)","product_label":"3 YEAR FIXED HOME LOAN - INVESTMENT (Principal and Interest)","product_url":"https://easystreet.com.au/fixed-home-loan","terms_url":"https://cms.easystreet.com.au/wp-content/uploads/2025/06/ES-TMD-Fixed-Home-Loan_Jun25-1.pdf","record_stale":true,"record_correction":null,"rate_kind":"fixed","lending_rate_type":"FIXED","fixed_months":36,"kind":"fixed_3","purpose":"investment","repayment":"principal_and_interest","rate":0.0644,"rate_pct":6.44,"comparison_rate":0.0618,"comparison_rate_pct":6.18,"lvr_min":0.0,"lvr_max":80.0,"lvr_source":"product","loan_min":50000.0,"loan_max":null,"interest_in_advance":false,"offset":true,"redraw":true,"annual_fee":null,"upfront_fees":500.0,"exit_fees":null,"revert_rate":null,"revert_rate_basis":null,"comparison_check":{"ok":false,"ours_at_150k":null,"bank":6.18,"reason":"no variable rate reproduces the bank's figure"},"restrictions":[],"eligibility":null,"ranked":true,"conditions":["not updated by the bank since 2026-10-21, before the Reserve Bank's cash rate rise of 4 November 2026; check its page, as the rate may have changed","$696 mortgage discharge fee","Reverts to the Street Smart variable rate after the fixed period","Break cost fee if the loan is paid out in full during the fixed period","Not available for construction loans"],"additional_info":"The comparison rate is based on a secured loan amount of $150,000 over a loan 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.","source_url":"https://ebranch.easystreet.com.au/es-OpenBanking/cds-au/v1/banking/products/L51-ES3YRF-INVPI","source_snapshot":"/au/finance/home-loans/v1/source/easy-street/L51-ES3YRF-INVPI.json","bank_last_updated":"2026-10-21T15:27:48.000+11:00"},
    {"brand":"Easy Street","brand_label":"Easy Street","brand_slug":"easy-street","legal_entity_abn":"80087649938","product_id":"L43-ES3YRF-OOPI","product_name":"3 YEAR FIXED HOME LOAN - OWNER-OCCUPIED (Principal and Interest)","product_label":"3 YEAR FIXED HOME LOAN - OWNER-OCCUPIED (Principal and Interest)","product_url":"https://easystreet.com.au/fixed-home-loan","terms_url":"https://cms.easystreet.com.au/wp-content/uploads/2025/06/ES-TMD-Fixed-Home-Loan_Jun25-1.pdf","record_stale":true,"record_correction":null,"rate_kind":"fixed","lending_rate_type":"FIXED","fixed_months":36,"kind":"fixed_3","purpose":"owner_occupied","repayment":"principal_and_interest","rate":0.0644,"rate_pct":6.44,"comparison_rate":0.0638,"comparison_rate_pct":6.38,"lvr_min":0.0,"lvr_max":80.0,"lvr_source":"product","loan_min":50000.0,"loan_max":null,"interest_in_advance":false,"offset":true,"redraw":true,"annual_fee":null,"upfront_fees":500.0,"exit_fees":null,"revert_rate":0.0629,"revert_rate_basis":"inferred","comparison_check":{"ok":true,"ours_at_150k":6.37,"bank":6.38},"restrictions":[],"eligibility":null,"ranked":true,"conditions":["not updated by the bank since 2026-10-21, before the Reserve Bank's cash rate rise of 4 November 2026; check its page, as the rate may have changed","$696 mortgage discharge fee","Reverts to the Street Smart variable rate after the fixed period","Break cost fee if the loan is paid out in full during the fixed period","Not available for construction loans"],"additional_info":"The comparison rate is based on a secured loan amount of $150,000 over a loan 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.","source_url":"https://ebranch.easystreet.com.au/es-OpenBanking/cds-au/v1/banking/products/L43-ES3YRF-OOPI","source_snapshot":"/au/finance/home-loans/v1/source/easy-street/L43-ES3YRF-OOPI.json","bank_last_updated":"2026-10-21T15:27:33.000+11:00"},
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    {"brand":"Firefighters Mutual Bank","brand_label":"Firefighters Mutual Bank","brand_slug":"firefighters-mutual-bank","legal_entity_abn":"30087650459","product_id":"14080efd-2e07-4e21-b097-472d0aa498e3","product_name":"Your Way Plus Home Loan Investor","product_label":"Your Way Plus Home Loan Investor","product_url":"https://www.fmbank.com.au/home-loans/your-way-plus","terms_url":"https://www.fmbank.com.au/content/dam/documents/collateral/consumer-lending.pdf","record_stale":false,"record_correction":null,"rate_kind":"variable","lending_rate_type":"VARIABLE","fixed_months":null,"kind":"variable","purpose":"investment","repayment":"principal_and_interest","rate":0.0759,"rate_pct":7.59,"comparison_rate":0.0788,"comparison_rate_pct":7.88,"lvr_min":90.1,"lvr_max":98.0,"lvr_source":"tier","loan_min":150000.0,"loan_max":null,"interest_in_advance":false,"offset":true,"redraw":true,"annual_fee":300.0,"upfront_fees":null,"exit_fees":250.0,"revert_rate":null,"revert_rate_basis":null,"comparison_check":{"ok":true,"ours_at_150k":7.85,"bank":7.88},"restrictions":["restricted_membership"],"eligibility":{"restricted":true,"who":"fire and emergency service employees (current or retired), volunteers and their families","quote":"Firefighters Mutual Bank is for current or retired employees of, or current volunteers with, a fire and/or emergency service and their families, and is completely owned by its members.","source_url":"https://ob.tmbl.com.au/fmbank/cds-au/v1/banking/products/14080efd-2e07-4e21-b097-472d0aa498e3"},"ranked":true,"conditions":["restricted membership: fire and emergency service employees (current or retired), volunteers and their families","Australian citizens or permanent residents aged 18 or over"],"additional_info":"Comparison rates quoted are based on $150,000 for a term of 25 years. Rates apply to secured loans only. 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","source_url":"https://ob.tmbl.com.au/fmbank/cds-au/v1/banking/products/14080efd-2e07-4e21-b097-472d0aa498e3","source_snapshot":"/au/finance/home-loans/v1/source/firefighters-mutual-bank/14080efd-2e07-4e21-b097-472d0aa498e3.json","bank_last_updated":"2026-11-12T11:00:50.000+11:00"},
    {"brand":"Firefighters Mutual Bank","brand_label":"Firefighters Mutual Bank","brand_slug":"firefighters-mutual-bank","legal_entity_abn":"30087650459","product_id":"26e1009c-fe1a-4e68-8ded-e8b135bc7549","product_name":"Your Way Plus Interest Only Home Loan","product_label":"Your Way Plus Interest Only Home Loan","product_url":"https://www.fmbank.com.au/home-loans/your-way-plus","terms_url":"https://www.fmbank.com.au/content/dam/documents/collateral/consumer-lending.pdf","record_stale":false,"record_correction":null,"rate_kind":"variable","lending_rate_type":"VARIABLE","fixed_months":null,"kind":"variable","purpose":"owner_occupied","repayment":"interest_only","rate":0.0674,"rate_pct":6.74,"comparison_rate":0.0685,"comparison_rate_pct":6.85,"lvr_min":0.1,"lvr_max":60.0,"lvr_source":"tier","loan_min":150000.0,"loan_max":null,"interest_in_advance":false,"offset":true,"redraw":true,"annual_fee":300.0,"upfront_fees":null,"exit_fees":250.0,"revert_rate":null,"revert_rate_basis":null,"comparison_check":{"ok":false,"ours_at_150k":7.01,"bank":6.85,"reason":"more than 0.05 points from the bank's"},"restrictions":["restricted_membership"],"eligibility":{"restricted":true,"who":"fire and emergency service employees (current or retired), volunteers and their families","quote":"Firefighters Mutual Bank is for current or retired employees of, or current volunteers with, a fire and/or emergency service and their families, and is completely owned by its members.","source_url":"https://ob.tmbl.com.au/fmbank/cds-au/v1/banking/products/26e1009c-fe1a-4e68-8ded-e8b135bc7549"},"ranked":true,"conditions":["restricted membership: fire and emergency service employees (current or retired), volunteers and their families","Australian citizens or permanent residents aged 18 or over"],"additional_info":"Comparison rates quoted are based on $150,000 for a term of 25 years. Rates apply to secured loans only. 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","source_url":"https://ob.tmbl.com.au/fmbank/cds-au/v1/banking/products/26e1009c-fe1a-4e68-8ded-e8b135bc7549","source_snapshot":"/au/finance/home-loans/v1/source/firefighters-mutual-bank/26e1009c-fe1a-4e68-8ded-e8b135bc7549.json","bank_last_updated":"2026-11-12T10:53:59.000+11:00"},
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    {"brand":"Horizon Bank","brand_label":"Horizon Bank","brand_slug":"horizon-bank","legal_entity_abn":"66087650173","product_id":"L43_L430001","product_name":"1 Year Fixed Home Loan - Interest Only","product_label":"1 Year Fixed Home Loan - Interest Only","product_url":"https://forms.unpz.au/form?id=0e59f9ae8f4709bdb38e0606359b4f09:d46ce3a8-1726-4fd2-b451-23157ea36e6a","terms_url":"https://horizonbank.com.au/more/important-info/disclosure-documents/","record_stale":false,"record_correction":"no annual fee: the bank's page gives \"Offset account fee : $150 ... Annual fee : $0\" (checked 2026-11-05); the $150 is only for an offset account","rate_kind":"fixed","lending_rate_type":"FIXED","fixed_months":12,"kind":"fixed_1","purpose":"owner_occupied","repayment":"interest_only","rate":0.0634,"rate_pct":6.34,"comparison_rate":0.0698,"comparison_rate_pct":6.98,"lvr_min":0.01,"lvr_max":70.0,"lvr_source":"tier","loan_min":null,"loan_max":null,"interest_in_advance":false,"offset":true,"redraw":true,"annual_fee":0,"upfront_fees":350.0,"exit_fees":null,"revert_rate":null,"revert_rate_basis":null,"comparison_check":{"ok":false,"ours_at_150k":null,"bank":6.98,"reason":"revert rate not published"},"restrictions":[],"eligibility":null,"ranked":true,"conditions":["no annual fee: the bank's page gives \"Offset account fee : $150 ... Annual fee : $0\" (checked 2026-11-05); the $150 is only for an offset account"],"additional_info":null,"source_url":"https://onlinebanking.horizonbank.com.au/openbanking/cds-au/v1/banking/products/L43_L430001","source_snapshot":"/au/finance/home-loans/v1/source/horizon-bank/L43_L430001.json","bank_last_updated":"2026-11-04T11:04:20.000+11:00"},
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    {"brand":"Newcastle Permanent","brand_label":"Newcastle Permanent","brand_slug":"newcastle-permanent","legal_entity_abn":"96087651992","product_id":"HL_realdealPI","product_name":"Real Deal Home Loan Principal and Interest","product_label":"Real Deal Home Loan Principal and Interest","product_url":"https://www.newcastlepermanent.com.au/personal/home-loans/real-deal-home-loan","terms_url":"https://www.newcastlepermanent.com.au/siteassets/documents/terms-conditions-fees-and-charges/mortgage-and-personal-loans/FactSheet_MortgageLoans.pdf","record_stale":false,"record_correction":"establishment fee $595: the bank's product record gives its \"Establishment Fee\" as $595 and says its $350 Application Fee is \"Payable to us when increasing borrowing against an existing security. Also known as a loan top-up.\" (checked 2026-11-13)","rate_kind":"variable","lending_rate_type":"VARIABLE","fixed_months":null,"kind":"variable","purpose":"owner_occupied","repayment":"principal_and_interest","rate":0.086,"rate_pct":8.6,"comparison_rate":0.0865,"comparison_rate_pct":8.65,"lvr_min":0.0,"lvr_max":95.0,"lvr_source":"product","loan_min":50000.0,"loan_max":null,"interest_in_advance":false,"offset":false,"redraw":true,"annual_fee":null,"upfront_fees":595,"exit_fees":250.0,"revert_rate":null,"revert_rate_basis":null,"comparison_check":{"ok":true,"ours_at_150k":8.65,"bank":8.65},"restrictions":[],"eligibility":null,"ranked":true,"conditions":["establishment fee $595: the bank's product record gives its \"Establishment Fee\" as $595 and says its $350 Application Fee is \"Payable to us when increasing borrowing against an existing security. Also known as a loan top-up.\" (checked 2026-11-13)"],"additional_info":null,"source_url":"https://openbank.newcastlepermanent.com.au/cds-au/v1/banking/products/HL_realdealPI","source_snapshot":"/au/finance/home-loans/v1/source/newcastle-permanent/HL_realdealPI.json","bank_last_updated":"2026-11-13T00:00:00+11:00"},
    {"brand":"Newcastle Permanent","brand_label":"Newcastle Permanent","brand_slug":"newcastle-permanent","legal_entity_abn":"96087651992","product_id":"HL_realdealPI","product_name":"Real Deal Home Loan Principal and Interest","product_label":"Real Deal Home Loan Principal and Interest","product_url":"https://www.newcastlepermanent.com.au/personal/home-loans/real-deal-home-loan","terms_url":"https://www.newcastlepermanent.com.au/siteassets/documents/terms-conditions-fees-and-charges/mortgage-and-personal-loans/FactSheet_MortgageLoans.pdf","record_stale":false,"record_correction":"establishment fee $595: the bank's product record gives its \"Establishment Fee\" as $595 and says its $350 Application Fee is \"Payable to us when increasing borrowing against an existing security. Also known as a loan top-up.\" (checked 2026-11-13)","rate_kind":"variable","lending_rate_type":"VARIABLE","fixed_months":null,"kind":"variable","purpose":"owner_occupied","repayment":"principal_and_interest","rate":0.0724,"rate_pct":7.24,"comparison_rate":0.0728,"comparison_rate_pct":7.28,"lvr_min":80.0,"lvr_max":95.0,"lvr_source":"tier","loan_min":150000.0,"loan_max":null,"interest_in_advance":false,"offset":false,"redraw":true,"annual_fee":null,"upfront_fees":595,"exit_fees":250.0,"revert_rate":null,"revert_rate_basis":null,"comparison_check":{"ok":true,"ours_at_150k":7.29,"bank":7.28},"restrictions":[],"eligibility":null,"ranked":true,"conditions":["establishment fee $595: the bank's product record gives its \"Establishment Fee\" as $595 and says its $350 Application Fee is \"Payable to us when increasing borrowing against an existing security. Also known as a loan top-up.\" (checked 2026-11-13)"],"additional_info":"Real Deal Special 2 available for loans $150k+, with LVR above 80%","source_url":"https://openbank.newcastlepermanent.com.au/cds-au/v1/banking/products/HL_realdealPI","source_snapshot":"/au/finance/home-loans/v1/source/newcastle-permanent/HL_realdealPI.json","bank_last_updated":"2026-11-13T00:00:00+11:00"},
    {"brand":"Northern Inland Credit Union Limited","brand_label":"Northern Inland Credit Union","brand_slug":"northern-inland-credit-union-limited","legal_entity_abn":"36087650422","product_id":"NICUL33_NBO","product_name":"Dream Home Loan New Borrowing","product_label":"Dream Home Loan New Borrowing","product_url":"https://www.nicu.com.au/home-loans/dream-home-loan","terms_url":null,"record_stale":true,"record_correction":null,"rate_kind":"variable","lending_rate_type":"VARIABLE","fixed_months":null,"kind":"variable","purpose":"owner_occupied","repayment":"principal_and_interest","rate":0.0624,"rate_pct":6.24,"comparison_rate":0.0658,"comparison_rate_pct":6.58,"lvr_min":0.0,"lvr_max":80.0,"lvr_source":"product","loan_min":500000.0,"loan_max":2000000.0,"interest_in_advance":false,"offset":true,"redraw":true,"annual_fee":350.0,"upfront_fees":null,"exit_fees":300.0,"revert_rate":null,"revert_rate_basis":null,"comparison_check":{"ok":true,"ours_at_150k":6.56,"bank":6.58},"restrictions":[],"eligibility":null,"ranked":true,"conditions":["not updated by the bank since 2026-10-07, before the Reserve Bank's cash rate rise of 4 November 2026; check its page, as the rate may have changed","Minimum loan $500,000","New borrowing only"],"additional_info":"Comparison Rate is calculated on a loan amount of $300,000 over 25 years based on monthly repayments. Different terms, fees or other loan amounts might result in a different comparison rate.","source_url":"https://secure.nicu.com.au/OpenBanking/cds-au/v1/banking/products/NICUL33_NBO","source_snapshot":"/au/finance/home-loans/v1/source/northern-inland-credit-union-limited/NICUL33_NBO.json","bank_last_updated":"2026-10-07T16:46:37.000+11:00"},
    {"brand":"Northern Inland Credit Union Limited","brand_label":"Northern Inland Credit Union","brand_slug":"northern-inland-credit-union-limited","legal_entity_abn":"36087650422","product_id":"NICUL33_NBI","product_name":"Dream Home Loan New Borrowing INV","product_label":"Dream Home Loan New Borrowing INV","product_url":"https://www.nicu.com.au/home-loans/dream-home-loan","terms_url":null,"record_stale":true,"record_correction":null,"rate_kind":"variable","lending_rate_type":"VARIABLE","fixed_months":null,"kind":"variable","purpose":"investment","repayment":"principal_and_interest","rate":0.0624,"rate_pct":6.24,"comparison_rate":0.0658,"comparison_rate_pct":6.58,"lvr_min":0.0,"lvr_max":80.0,"lvr_source":"product","loan_min":500000.0,"loan_max":2000000.0,"interest_in_advance":false,"offset":true,"redraw":true,"annual_fee":350.0,"upfront_fees":null,"exit_fees":300.0,"revert_rate":null,"revert_rate_basis":null,"comparison_check":{"ok":true,"ours_at_150k":6.56,"bank":6.58},"restrictions":[],"eligibility":null,"ranked":true,"conditions":["not updated by the bank since 2026-10-07, before the Reserve Bank's cash rate rise of 4 November 2026; check its page, as the rate may have changed","Minimum loan $500,000","New borrowing only"],"additional_info":"Comparison Rate is calculated on a loan amount of $300,000 over 25 years based on monthly repayments. Different terms, fees or other loan amounts might result in a different comparison rate.","source_url":"https://secure.nicu.com.au/OpenBanking/cds-au/v1/banking/products/NICUL33_NBI","source_snapshot":"/au/finance/home-loans/v1/source/northern-inland-credit-union-limited/NICUL33_NBI.json","bank_last_updated":"2026-10-07T16:46:24.000+11:00"},
    {"brand":"Northern Inland Credit Union Limited","brand_label":"Northern Inland Credit Union","brand_slug":"northern-inland-credit-union-limited","legal_entity_abn":"36087650422","product_id":"NICUL33V_IO_INV","product_name":"Dream Home Loan Variable IO Investment","product_label":"Dream Home Loan Variable IO Investment","product_url":"https://www.nicu.com.au/home-loans/dream-home-loan","terms_url":null,"record_stale":true,"record_correction":null,"rate_kind":"variable","lending_rate_type":"VARIABLE","fixed_months":null,"kind":"variable","purpose":"investment","repayment":"interest_only","rate":0.0719,"rate_pct":7.19,"comparison_rate":0.0752,"comparison_rate_pct":7.52,"lvr_min":0.0,"lvr_max":80.0,"lvr_source":"product","loan_min":null,"loan_max":null,"interest_in_advance":false,"offset":true,"redraw":true,"annual_fee":350.0,"upfront_fees":null,"exit_fees":300.0,"revert_rate":null,"revert_rate_basis":null,"comparison_check":{"ok":true,"ours_at_150k":7.49,"bank":7.52},"restrictions":[],"eligibility":null,"ranked":true,"conditions":["not updated by the bank since 2026-10-07, before the Reserve Bank's cash rate rise of 4 November 2026; check its page, as the rate may have changed","Rates for loans of $150,000 or more"],"additional_info":"Comparison Rate is calculated on a loan amount of $150,000 over 25 years based on monthly repayments. Different terms, fees or other loan amounts might result in a different comparison rate.","source_url":"https://secure.nicu.com.au/OpenBanking/cds-au/v1/banking/products/NICUL33V_IO_INV","source_snapshot":"/au/finance/home-loans/v1/source/northern-inland-credit-union-limited/NICUL33V_IO_INV.json","bank_last_updated":"2026-10-07T16:45:29.000+11:00"},
    {"brand":"Northern Inland Credit Union Limited","brand_label":"Northern Inland Credit Union","brand_slug":"northern-inland-credit-union-limited","legal_entity_abn":"36087650422","product_id":"NICUL33V_IO","product_name":"Dream Home Loan Variable IO Owner Occupied","product_label":"Dream Home Loan Variable IO Owner Occupied","product_url":"https://www.nicu.com.au/home-loans/dream-home-loan","terms_url":null,"record_stale":true,"record_correction":null,"rate_kind":"variable","lending_rate_type":"VARIABLE","fixed_months":null,"kind":"variable","purpose":"owner_occupied","repayment":"interest_only","rate":0.0719,"rate_pct":7.19,"comparison_rate":0.0752,"comparison_rate_pct":7.52,"lvr_min":0.0,"lvr_max":80.0,"lvr_source":"product","loan_min":null,"loan_max":null,"interest_in_advance":false,"offset":true,"redraw":true,"annual_fee":350.0,"upfront_fees":null,"exit_fees":300.0,"revert_rate":null,"revert_rate_basis":null,"comparison_check":{"ok":true,"ours_at_150k":7.49,"bank":7.52},"restrictions":[],"eligibility":null,"ranked":true,"conditions":["not updated by the bank since 2026-10-07, before the Reserve Bank's cash rate rise of 4 November 2026; check its page, as the rate may have changed","Rates for loans of $150,000 or more"],"additional_info":"Comparison Rate is calculated on a loan amount of $150,000 over 25 years based on monthly repayments. Different terms, fees or other loan amounts might result in a different comparison rate.","source_url":"https://secure.nicu.com.au/OpenBanking/cds-au/v1/banking/products/NICUL33V_IO","source_snapshot":"/au/finance/home-loans/v1/source/northern-inland-credit-union-limited/NICUL33V_IO.json","bank_last_updated":"2026-10-07T16:45:14.000+11:00"},
    {"brand":"Northern Inland Credit Union Limited","brand_label":"Northern Inland Credit Union","brand_slug":"northern-inland-credit-union-limited","legal_entity_abn":"36087650422","product_id":"NICUL33V_PI_INV","product_name":"Dream Home Loan Variable PI (Investment)","product_label":"Dream Home Loan Variable PI (Investment)","product_url":"https://www.nicu.com.au/banking/home-loans/dream-value-home-loan","terms_url":null,"record_stale":true,"record_correction":null,"rate_kind":"variable","lending_rate_type":"VARIABLE","fixed_months":null,"kind":"variable","purpose":"investment","repayment":"principal_and_interest","rate":0.0669,"rate_pct":6.69,"comparison_rate":0.0703,"comparison_rate_pct":7.03,"lvr_min":0.0,"lvr_max":80.0,"lvr_source":"product","loan_min":150000.0,"loan_max":2000000.0,"interest_in_advance":false,"offset":true,"redraw":true,"annual_fee":350.0,"upfront_fees":null,"exit_fees":300.0,"revert_rate":null,"revert_rate_basis":null,"comparison_check":{"ok":true,"ours_at_150k":7.0,"bank":7.03},"restrictions":[],"eligibility":null,"ranked":true,"conditions":["not updated by the bank since 2026-10-07, before the Reserve Bank's cash rate rise of 4 November 2026; check its page, as the rate may have changed","Rates for loans of $150,000 or more"],"additional_info":"Comparison Rate is calculated on a loan amount of $150,000 over 25 years based on monthly repayments. Different terms, fees or other loan amounts might result in a different comparison rate.","source_url":"https://secure.nicu.com.au/OpenBanking/cds-au/v1/banking/products/NICUL33V_PI_INV","source_snapshot":"/au/finance/home-loans/v1/source/northern-inland-credit-union-limited/NICUL33V_PI_INV.json","bank_last_updated":"2026-10-07T16:46:07.000+11:00"},
    {"brand":"Northern Inland Credit Union Limited","brand_label":"Northern Inland Credit Union","brand_slug":"northern-inland-credit-union-limited","legal_entity_abn":"36087650422","product_id":"NICUL33V_PI","product_name":"Dream Home Loan Variable PI Owner Occupied","product_label":"Dream Home Loan Variable PI Owner Occupied","product_url":"https://www.nicu.com.au/banking/home-loans/dream-value-home-loan","terms_url":null,"record_stale":true,"record_correction":null,"rate_kind":"variable","lending_rate_type":"VARIABLE","fixed_months":null,"kind":"variable","purpose":"owner_occupied","repayment":"principal_and_interest","rate":0.0669,"rate_pct":6.69,"comparison_rate":0.0703,"comparison_rate_pct":7.03,"lvr_min":0.0,"lvr_max":90.0,"lvr_source":"product","loan_min":150000.0,"loan_max":2000000.0,"interest_in_advance":false,"offset":true,"redraw":true,"annual_fee":350.0,"upfront_fees":null,"exit_fees":300.0,"revert_rate":null,"revert_rate_basis":null,"comparison_check":{"ok":true,"ours_at_150k":7.0,"bank":7.03},"restrictions":[],"eligibility":null,"ranked":true,"conditions":["not updated by the bank since 2026-10-07, before the Reserve Bank's cash rate rise of 4 November 2026; check its page, as the rate may have changed","Rates for loans of $150,000 or more"],"additional_info":"Comparison Rate is calculated on a loan amount of $150,000 over 25 years based on monthly repayments. Different terms, fees or other loan amounts might result in a different comparison rate.","source_url":"https://secure.nicu.com.au/OpenBanking/cds-au/v1/banking/products/NICUL33V_PI","source_snapshot":"/au/finance/home-loans/v1/source/northern-inland-credit-union-limited/NICUL33V_PI.json","bank_last_updated":"2026-10-07T16:45:52.000+11:00"},
    {"brand":"Northern Inland Credit Union Limited","brand_label":"Northern Inland Credit Union","brand_slug":"northern-inland-credit-union-limited","legal_entity_abn":"36087650422","product_id":"NICUL28F_12M","product_name":"Smart Home Loan Fixed 12M","product_label":"Smart Home Loan Fixed 12M","product_url":"https://www.nicu.com.au/home-loans/smart-home-loan","terms_url":null,"record_stale":true,"record_correction":"above 90% LVR only with the Government 5% Deposit Scheme, for first home buyers who will live in the home, per the bank's website on 2026-10-31","rate_kind":"fixed","lending_rate_type":"FIXED","fixed_months":12,"kind":"fixed_1","purpose":"any","repayment":"principal_and_interest","rate":0.0629,"rate_pct":6.29,"comparison_rate":0.0748,"comparison_rate_pct":7.48,"lvr_min":0.0,"lvr_max":90.0,"lvr_source":"correction","loan_min":20000.0,"loan_max":2000000.0,"interest_in_advance":false,"offset":true,"redraw":true,"annual_fee":96.0,"upfront_fees":600.0,"exit_fees":300.0,"revert_rate":null,"revert_rate_basis":null,"comparison_check":{"ok":false,"ours_at_150k":null,"bank":7.48,"reason":"no variable rate reproduces the bank's figure"},"restrictions":[],"eligibility":null,"ranked":true,"conditions":["above 90% LVR only with the Government 5% Deposit Scheme, for first home buyers who will live in the home, per the bank's website on 2026-10-31","Extra repayments while fixed up to $10,000 a year"],"additional_info":"Comparison Rate is calculated on a loan amount of $150,000 over a term of 25 years based on monthly repayments. WARNING: This comparison rate is true only for the example given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparis…","source_url":"https://secure.nicu.com.au/OpenBanking/cds-au/v1/banking/products/NICUL28F_12M","source_snapshot":"/au/finance/home-loans/v1/source/northern-inland-credit-union-limited/NICUL28F_12M.json","bank_last_updated":"2026-10-07T16:42:45.000+11:00"},
    {"brand":"Northern Inland Credit Union Limited","brand_label":"Northern Inland Credit Union","brand_slug":"northern-inland-credit-union-limited","legal_entity_abn":"36087650422","product_id":"NICUL28F_24M","product_name":"Smart Home Loan Fixed 24M","product_label":"Smart Home Loan Fixed 24M","product_url":"https://www.nicu.com.au/home-loans/smart-home-loan","terms_url":null,"record_stale":true,"record_correction":null,"rate_kind":"fixed","lending_rate_type":"FIXED","fixed_months":24,"kind":"fixed_2","purpose":"any","repayment":"principal_and_interest","rate":0.0639,"rate_pct":6.39,"comparison_rate":0.0739,"comparison_rate_pct":7.39,"lvr_min":0.0,"lvr_max":90.0,"lvr_source":"product","loan_min":null,"loan_max":null,"interest_in_advance":false,"offset":true,"redraw":true,"annual_fee":96.0,"upfront_fees":600.0,"exit_fees":300.0,"revert_rate":null,"revert_rate_basis":null,"comparison_check":{"ok":false,"ours_at_150k":null,"bank":7.39,"reason":"no variable rate reproduces the bank's figure"},"restrictions":[],"eligibility":null,"ranked":true,"conditions":["not updated by the bank since 2026-10-07, before the Reserve Bank's cash rate rise of 4 November 2026; check its page, as the rate may have changed","Extra repayments while fixed up to $10,000 a year"],"additional_info":"Comparison Rate is calculated on a loan amount of $150,000 over a term of 25 years based on monthly repayments. WARNING: This comparison rate is true only for the example given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparis…","source_url":"https://secure.nicu.com.au/OpenBanking/cds-au/v1/banking/products/NICUL28F_24M","source_snapshot":"/au/finance/home-loans/v1/source/northern-inland-credit-union-limited/NICUL28F_24M.json","bank_last_updated":"2026-10-07T16:42:45.000+11:00"},
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    {"brand":"Teachers Mutual Bank","brand_label":"Teachers Mutual Bank","brand_slug":"teachers-mutual-bank","legal_entity_abn":"30087650459","product_id":"402fc36e-9031-4996-8171-cf82f62f279e","product_name":"Your Way Plus Home Loan Investor","product_label":"Your Way Plus Home Loan Investor","product_url":"https://www.tmbank.com.au/home-loans/your-way-plus","terms_url":"https://www.tmbank.com.au/content/dam/documents/collateral/consumer-lending.pdf","record_stale":false,"record_correction":null,"rate_kind":"variable","lending_rate_type":"VARIABLE","fixed_months":null,"kind":"variable","purpose":"investment","repayment":"principal_and_interest","rate":0.0674,"rate_pct":6.74,"comparison_rate":0.0703,"comparison_rate_pct":7.03,"lvr_min":70.0,"lvr_max":80.0,"lvr_source":"tier","loan_min":150000.0,"loan_max":null,"interest_in_advance":false,"offset":true,"redraw":true,"annual_fee":300.0,"upfront_fees":null,"exit_fees":250.0,"revert_rate":null,"revert_rate_basis":null,"comparison_check":{"ok":true,"ours_at_150k":7.01,"bank":7.03},"restrictions":["restricted_membership"],"eligibility":{"restricted":true,"who":"Australian education sector employees (current or retired) and their families","quote":"Membership is open to current or retired employees of the Australian education sector or family members of members (i.e. shareholders) of the Bank.","source_url":"https://ob.tmbl.com.au/tmbank/cds-au/v1/banking/products/402fc36e-9031-4996-8171-cf82f62f279e"},"ranked":true,"conditions":["restricted membership: Australian education sector employees (current or retired) and their families","Package needs internet banking and an eligible Package deposit account at all times"],"additional_info":"Comparison rates quoted are based on $150,000 for a term of 25 years. Rates apply to secured loans only. 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","source_url":"https://ob.tmbl.com.au/tmbank/cds-au/v1/banking/products/402fc36e-9031-4996-8171-cf82f62f279e","source_snapshot":"/au/finance/home-loans/v1/source/teachers-mutual-bank/402fc36e-9031-4996-8171-cf82f62f279e.json","bank_last_updated":"2026-11-12T11:00:50.000+11:00"},
    {"brand":"Teachers Mutual Bank","brand_label":"Teachers Mutual Bank","brand_slug":"teachers-mutual-bank","legal_entity_abn":"30087650459","product_id":"402fc36e-9031-4996-8171-cf82f62f279e","product_name":"Your Way Plus Home Loan Investor","product_label":"Your Way Plus Home Loan Investor","product_url":"https://www.tmbank.com.au/home-loans/your-way-plus","terms_url":"https://www.tmbank.com.au/content/dam/documents/collateral/consumer-lending.pdf","record_stale":false,"record_correction":null,"rate_kind":"variable","lending_rate_type":"VARIABLE","fixed_months":null,"kind":"variable","purpose":"investment","repayment":"principal_and_interest","rate":0.0724,"rate_pct":7.24,"comparison_rate":0.0753,"comparison_rate_pct":7.53,"lvr_min":80.1,"lvr_max":90.0,"lvr_source":"tier","loan_min":150000.0,"loan_max":null,"interest_in_advance":false,"offset":true,"redraw":true,"annual_fee":300.0,"upfront_fees":null,"exit_fees":250.0,"revert_rate":null,"revert_rate_basis":null,"comparison_check":{"ok":true,"ours_at_150k":7.5,"bank":7.53},"restrictions":["restricted_membership"],"eligibility":{"restricted":true,"who":"Australian education sector employees (current or retired) and their families","quote":"Membership is open to current or retired employees of the Australian education sector or family members of members (i.e. shareholders) of the Bank.","source_url":"https://ob.tmbl.com.au/tmbank/cds-au/v1/banking/products/402fc36e-9031-4996-8171-cf82f62f279e"},"ranked":true,"conditions":["restricted membership: Australian education sector employees (current or retired) and their families","Package needs internet banking and an eligible Package deposit account at all times"],"additional_info":"Comparison rates quoted are based on $150,000 for a term of 25 years. Rates apply to secured loans only. 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","source_url":"https://ob.tmbl.com.au/tmbank/cds-au/v1/banking/products/402fc36e-9031-4996-8171-cf82f62f279e","source_snapshot":"/au/finance/home-loans/v1/source/teachers-mutual-bank/402fc36e-9031-4996-8171-cf82f62f279e.json","bank_last_updated":"2026-11-12T11:00:50.000+11:00"},
    {"brand":"Teachers Mutual Bank","brand_label":"Teachers Mutual Bank","brand_slug":"teachers-mutual-bank","legal_entity_abn":"30087650459","product_id":"402fc36e-9031-4996-8171-cf82f62f279e","product_name":"Your Way Plus Home Loan Investor","product_label":"Your Way Plus Home Loan Investor","product_url":"https://www.tmbank.com.au/home-loans/your-way-plus","terms_url":"https://www.tmbank.com.au/content/dam/documents/collateral/consumer-lending.pdf","record_stale":false,"record_correction":null,"rate_kind":"variable","lending_rate_type":"VARIABLE","fixed_months":null,"kind":"variable","purpose":"investment","repayment":"principal_and_interest","rate":0.0759,"rate_pct":7.59,"comparison_rate":0.0788,"comparison_rate_pct":7.88,"lvr_min":90.1,"lvr_max":98.0,"lvr_source":"tier","loan_min":150000.0,"loan_max":null,"interest_in_advance":false,"offset":true,"redraw":true,"annual_fee":300.0,"upfront_fees":null,"exit_fees":250.0,"revert_rate":null,"revert_rate_basis":null,"comparison_check":{"ok":true,"ours_at_150k":7.85,"bank":7.88},"restrictions":["restricted_membership"],"eligibility":{"restricted":true,"who":"Australian education sector employees (current or retired) and their families","quote":"Membership is open to current or retired employees of the Australian education sector or family members of members (i.e. shareholders) of the Bank.","source_url":"https://ob.tmbl.com.au/tmbank/cds-au/v1/banking/products/402fc36e-9031-4996-8171-cf82f62f279e"},"ranked":true,"conditions":["restricted membership: Australian education sector employees (current or retired) and their families","Package needs internet banking and an eligible Package deposit account at all times"],"additional_info":"Comparison rates quoted are based on $150,000 for a term of 25 years. Rates apply to secured loans only. 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","source_url":"https://ob.tmbl.com.au/tmbank/cds-au/v1/banking/products/402fc36e-9031-4996-8171-cf82f62f279e","source_snapshot":"/au/finance/home-loans/v1/source/teachers-mutual-bank/402fc36e-9031-4996-8171-cf82f62f279e.json","bank_last_updated":"2026-11-12T11:00:50.000+11:00"},
    {"brand":"Teachers Mutual Bank","brand_label":"Teachers Mutual Bank","brand_slug":"teachers-mutual-bank","legal_entity_abn":"30087650459","product_id":"1e0c3501-3eec-49ae-af71-fec696c14fa8","product_name":"Your Way Plus Interest Only Home Loan","product_label":"Your Way Plus Interest Only Home Loan","product_url":"https://www.tmbank.com.au/home-loans/your-way-plus","terms_url":"https://www.tmbank.com.au/content/dam/documents/collateral/consumer-lending.pdf","record_stale":false,"record_correction":null,"rate_kind":"variable","lending_rate_type":"VARIABLE","fixed_months":null,"kind":"variable","purpose":"owner_occupied","repayment":"interest_only","rate":0.0674,"rate_pct":6.74,"comparison_rate":0.0685,"comparison_rate_pct":6.85,"lvr_min":0.1,"lvr_max":60.0,"lvr_source":"tier","loan_min":150000.0,"loan_max":null,"interest_in_advance":false,"offset":true,"redraw":true,"annual_fee":300.0,"upfront_fees":null,"exit_fees":250.0,"revert_rate":null,"revert_rate_basis":null,"comparison_check":{"ok":false,"ours_at_150k":7.01,"bank":6.85,"reason":"more than 0.05 points from the bank's"},"restrictions":["restricted_membership"],"eligibility":{"restricted":true,"who":"Australian education sector employees (current or retired) and their families","quote":"Membership is open to current or retired employees of the Australian education sector or family members of members (i.e. shareholders) of the Bank.","source_url":"https://ob.tmbl.com.au/tmbank/cds-au/v1/banking/products/1e0c3501-3eec-49ae-af71-fec696c14fa8"},"ranked":true,"conditions":["restricted membership: Australian education sector employees (current or retired) and their families","Package needs internet banking and an eligible Package deposit account at all times"],"additional_info":"Comparison rates quoted are based on $150,000 for a term of 25 years. Rates apply to secured loans only. 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","source_url":"https://ob.tmbl.com.au/tmbank/cds-au/v1/banking/products/1e0c3501-3eec-49ae-af71-fec696c14fa8","source_snapshot":"/au/finance/home-loans/v1/source/teachers-mutual-bank/1e0c3501-3eec-49ae-af71-fec696c14fa8.json","bank_last_updated":"2026-11-12T10:53:59.000+11:00"},
    {"brand":"Teachers Mutual Bank","brand_label":"Teachers Mutual Bank","brand_slug":"teachers-mutual-bank","legal_entity_abn":"30087650459","product_id":"1e0c3501-3eec-49ae-af71-fec696c14fa8","product_name":"Your Way Plus Interest Only Home Loan","product_label":"Your Way Plus Interest Only Home Loan","product_url":"https://www.tmbank.com.au/home-loans/your-way-plus","terms_url":"https://www.tmbank.com.au/content/dam/documents/collateral/consumer-lending.pdf","record_stale":false,"record_correction":null,"rate_kind":"variable","lending_rate_type":"VARIABLE","fixed_months":null,"kind":"variable","purpose":"owner_occupied","repayment":"interest_only","rate":0.0694,"rate_pct":6.94,"comparison_rate":0.0699,"comparison_rate_pct":6.99,"lvr_min":60.1,"lvr_max":70.0,"lvr_source":"tier","loan_min":150000.0,"loan_max":null,"interest_in_advance":false,"offset":true,"redraw":true,"annual_fee":300.0,"upfront_fees":null,"exit_fees":250.0,"revert_rate":null,"revert_rate_basis":null,"comparison_check":{"ok":false,"ours_at_150k":7.2,"bank":6.99,"reason":"more than 0.05 points from the bank's"},"restrictions":["restricted_membership"],"eligibility":{"restricted":true,"who":"Australian education sector employees (current or retired) and their families","quote":"Membership is open to current or retired employees of the Australian education sector or family members of members (i.e. shareholders) of the Bank.","source_url":"https://ob.tmbl.com.au/tmbank/cds-au/v1/banking/products/1e0c3501-3eec-49ae-af71-fec696c14fa8"},"ranked":true,"conditions":["restricted membership: Australian education sector employees (current or retired) and their families","Package needs internet banking and an eligible Package deposit account at all times"],"additional_info":"Comparison rates quoted are based on $150,000 for a term of 25 years. Rates apply to secured loans only. 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","source_url":"https://ob.tmbl.com.au/tmbank/cds-au/v1/banking/products/1e0c3501-3eec-49ae-af71-fec696c14fa8","source_snapshot":"/au/finance/home-loans/v1/source/teachers-mutual-bank/1e0c3501-3eec-49ae-af71-fec696c14fa8.json","bank_last_updated":"2026-11-12T10:53:59.000+11:00"},
    {"brand":"Teachers Mutual Bank","brand_label":"Teachers Mutual Bank","brand_slug":"teachers-mutual-bank","legal_entity_abn":"30087650459","product_id":"1e0c3501-3eec-49ae-af71-fec696c14fa8","product_name":"Your Way Plus Interest Only Home Loan","product_label":"Your Way Plus Interest Only Home Loan","product_url":"https://www.tmbank.com.au/home-loans/your-way-plus","terms_url":"https://www.tmbank.com.au/content/dam/documents/collateral/consumer-lending.pdf","record_stale":false,"record_correction":null,"rate_kind":"variable","lending_rate_type":"VARIABLE","fixed_months":null,"kind":"variable","purpose":"owner_occupied","repayment":"interest_only","rate":0.0704,"rate_pct":7.04,"comparison_rate":0.0706,"comparison_rate_pct":7.06,"lvr_min":70.0,"lvr_max":80.0,"lvr_source":"tier","loan_min":150000.0,"loan_max":null,"interest_in_advance":false,"offset":true,"redraw":true,"annual_fee":300.0,"upfront_fees":null,"exit_fees":250.0,"revert_rate":null,"revert_rate_basis":null,"comparison_check":{"ok":false,"ours_at_150k":7.3,"bank":7.06,"reason":"more than 0.05 points from the bank's"},"restrictions":["restricted_membership"],"eligibility":{"restricted":true,"who":"Australian education sector employees (current or retired) and their families","quote":"Membership is open to current or retired employees of the Australian education sector or family members of members (i.e. shareholders) of the Bank.","source_url":"https://ob.tmbl.com.au/tmbank/cds-au/v1/banking/products/1e0c3501-3eec-49ae-af71-fec696c14fa8"},"ranked":true,"conditions":["restricted membership: Australian education sector employees (current or retired) and their families","Package needs internet banking and an eligible Package deposit account at all times"],"additional_info":"Comparison rates quoted are based on $150,000 for a term of 25 years. Rates apply to secured loans only. 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","source_url":"https://ob.tmbl.com.au/tmbank/cds-au/v1/banking/products/1e0c3501-3eec-49ae-af71-fec696c14fa8","source_snapshot":"/au/finance/home-loans/v1/source/teachers-mutual-bank/1e0c3501-3eec-49ae-af71-fec696c14fa8.json","bank_last_updated":"2026-11-12T10:53:59.000+11:00"},
    {"brand":"Teachers Mutual Bank","brand_label":"Teachers Mutual Bank","brand_slug":"teachers-mutual-bank","legal_entity_abn":"30087650459","product_id":"1e0c3501-3eec-49ae-af71-fec696c14fa8","product_name":"Your Way Plus Interest Only Home Loan","product_label":"Your Way Plus Interest Only Home Loan","product_url":"https://www.tmbank.com.au/home-loans/your-way-plus","terms_url":"https://www.tmbank.com.au/content/dam/documents/collateral/consumer-lending.pdf","record_stale":false,"record_correction":null,"rate_kind":"variable","lending_rate_type":"VARIABLE","fixed_months":null,"kind":"variable","purpose":"owner_occupied","repayment":"interest_only","rate":0.0734,"rate_pct":7.34,"comparison_rate":0.0747,"comparison_rate_pct":7.47,"lvr_min":80.1,"lvr_max":90.0,"lvr_source":"tier","loan_min":150000.0,"loan_max":null,"interest_in_advance":false,"offset":true,"redraw":true,"annual_fee":300.0,"upfront_fees":null,"exit_fees":250.0,"revert_rate":null,"revert_rate_basis":null,"comparison_check":{"ok":false,"ours_at_150k":7.6,"bank":7.47,"reason":"more than 0.05 points from the bank's"},"restrictions":["restricted_membership"],"eligibility":{"restricted":true,"who":"Australian education sector employees (current or retired) and their families","quote":"Membership is open to current or retired employees of the Australian education sector or family members of members (i.e. shareholders) of the Bank.","source_url":"https://ob.tmbl.com.au/tmbank/cds-au/v1/banking/products/1e0c3501-3eec-49ae-af71-fec696c14fa8"},"ranked":true,"conditions":["restricted membership: Australian education sector employees (current or retired) and their families","Package needs internet banking and an eligible Package deposit account at all times"],"additional_info":"Comparison rates quoted are based on $150,000 for a term of 25 years. Rates apply to secured loans only. 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","source_url":"https://ob.tmbl.com.au/tmbank/cds-au/v1/banking/products/1e0c3501-3eec-49ae-af71-fec696c14fa8","source_snapshot":"/au/finance/home-loans/v1/source/teachers-mutual-bank/1e0c3501-3eec-49ae-af71-fec696c14fa8.json","bank_last_updated":"2026-11-12T10:53:59.000+11:00"},
    {"brand":"Teachers Mutual Bank","brand_label":"Teachers Mutual Bank","brand_slug":"teachers-mutual-bank","legal_entity_abn":"30087650459","product_id":"1e0c3501-3eec-49ae-af71-fec696c14fa8","product_name":"Your Way Plus Interest Only Home Loan","product_label":"Your Way Plus Interest Only Home Loan","product_url":"https://www.tmbank.com.au/home-loans/your-way-plus","terms_url":"https://www.tmbank.com.au/content/dam/documents/collateral/consumer-lending.pdf","record_stale":false,"record_correction":null,"rate_kind":"variable","lending_rate_type":"VARIABLE","fixed_months":null,"kind":"variable","purpose":"owner_occupied","repayment":"interest_only","rate":0.0769,"rate_pct":7.69,"comparison_rate":0.0782,"comparison_rate_pct":7.82,"lvr_min":90.1,"lvr_max":98.0,"lvr_source":"tier","loan_min":150000.0,"loan_max":null,"interest_in_advance":false,"offset":true,"redraw":true,"annual_fee":300.0,"upfront_fees":null,"exit_fees":250.0,"revert_rate":null,"revert_rate_basis":null,"comparison_check":{"ok":false,"ours_at_150k":7.95,"bank":7.82,"reason":"more than 0.05 points from the bank's"},"restrictions":["restricted_membership"],"eligibility":{"restricted":true,"who":"Australian education sector employees (current or retired) and their families","quote":"Membership is open to current or retired employees of the Australian education sector or family members of members (i.e. shareholders) of the Bank.","source_url":"https://ob.tmbl.com.au/tmbank/cds-au/v1/banking/products/1e0c3501-3eec-49ae-af71-fec696c14fa8"},"ranked":true,"conditions":["restricted membership: Australian education sector employees (current or retired) and their families","Package needs internet banking and an eligible Package deposit account at all times"],"additional_info":"Comparison rates quoted are based on $150,000 for a term of 25 years. Rates apply to secured loans only. 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","source_url":"https://ob.tmbl.com.au/tmbank/cds-au/v1/banking/products/1e0c3501-3eec-49ae-af71-fec696c14fa8","source_snapshot":"/au/finance/home-loans/v1/source/teachers-mutual-bank/1e0c3501-3eec-49ae-af71-fec696c14fa8.json","bank_last_updated":"2026-11-12T10:53:59.000+11:00"},
    {"brand":"Teachers Mutual Bank","brand_label":"Teachers Mutual Bank","brand_slug":"teachers-mutual-bank","legal_entity_abn":"30087650459","product_id":"2dd1ea6e-7a5a-44ce-adfd-035913ed4af3","product_name":"Your Way Plus Interest Only Home Loan Investor","product_label":"Your Way Plus Interest Only Home Loan Investor","product_url":"https://www.tmbank.com.au/home-loans/your-way-plus","terms_url":"https://www.tmbank.com.au/content/dam/documents/collateral/consumer-lending.pdf","record_stale":false,"record_correction":null,"rate_kind":"variable","lending_rate_type":"VARIABLE","fixed_months":null,"kind":"variable","purpose":"investment","repayment":"interest_only","rate":0.0684,"rate_pct":6.84,"comparison_rate":0.07,"comparison_rate_pct":7.0,"lvr_min":0.1,"lvr_max":60.0,"lvr_source":"tier","loan_min":150000.0,"loan_max":null,"interest_in_advance":false,"offset":true,"redraw":true,"annual_fee":300.0,"upfront_fees":null,"exit_fees":250.0,"revert_rate":null,"revert_rate_basis":null,"comparison_check":{"ok":false,"ours_at_150k":7.1,"bank":7.0,"reason":"more than 0.05 points from the bank's"},"restrictions":["restricted_membership"],"eligibility":{"restricted":true,"who":"Australian education sector employees (current or retired) and their families","quote":"Membership is open to current or retired employees of the Australian education sector or family members of members (i.e. shareholders) of the Bank.","source_url":"https://ob.tmbl.com.au/tmbank/cds-au/v1/banking/products/2dd1ea6e-7a5a-44ce-adfd-035913ed4af3"},"ranked":true,"conditions":["restricted membership: Australian education sector employees (current or retired) and their families","Package needs internet banking and an eligible Package deposit account at all times"],"additional_info":"Comparison rates quoted are based on $150,000 for a term of 25 years. Rates apply to secured loans only. 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","source_url":"https://ob.tmbl.com.au/tmbank/cds-au/v1/banking/products/2dd1ea6e-7a5a-44ce-adfd-035913ed4af3","source_snapshot":"/au/finance/home-loans/v1/source/teachers-mutual-bank/2dd1ea6e-7a5a-44ce-adfd-035913ed4af3.json","bank_last_updated":"2026-11-12T11:01:57.000+11:00"},
    {"brand":"Teachers Mutual Bank","brand_label":"Teachers Mutual Bank","brand_slug":"teachers-mutual-bank","legal_entity_abn":"30087650459","product_id":"2dd1ea6e-7a5a-44ce-adfd-035913ed4af3","product_name":"Your Way Plus Interest Only Home Loan Investor","product_label":"Your Way Plus Interest Only Home Loan Investor","product_url":"https://www.tmbank.com.au/home-loans/your-way-plus","terms_url":"https://www.tmbank.com.au/content/dam/documents/collateral/consumer-lending.pdf","record_stale":false,"record_correction":null,"rate_kind":"variable","lending_rate_type":"VARIABLE","fixed_months":null,"kind":"variable","purpose":"investment","repayment":"interest_only","rate":0.0694,"rate_pct":6.94,"comparison_rate":0.0707,"comparison_rate_pct":7.07,"lvr_min":60.1,"lvr_max":70.0,"lvr_source":"tier","loan_min":150000.0,"loan_max":null,"interest_in_advance":false,"offset":true,"redraw":true,"annual_fee":300.0,"upfront_fees":null,"exit_fees":250.0,"revert_rate":null,"revert_rate_basis":null,"comparison_check":{"ok":false,"ours_at_150k":7.2,"bank":7.07,"reason":"more than 0.05 points from the bank's"},"restrictions":["restricted_membership"],"eligibility":{"restricted":true,"who":"Australian education sector employees (current or retired) and their families","quote":"Membership is open to current or retired employees of the Australian education sector or family members of members (i.e. shareholders) of the Bank.","source_url":"https://ob.tmbl.com.au/tmbank/cds-au/v1/banking/products/2dd1ea6e-7a5a-44ce-adfd-035913ed4af3"},"ranked":true,"conditions":["restricted membership: Australian education sector employees (current or retired) and their families","Package needs internet banking and an eligible Package deposit account at all times"],"additional_info":"Comparison rates quoted are based on $150,000 for a term of 25 years. Rates apply to secured loans only. 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","source_url":"https://ob.tmbl.com.au/tmbank/cds-au/v1/banking/products/2dd1ea6e-7a5a-44ce-adfd-035913ed4af3","source_snapshot":"/au/finance/home-loans/v1/source/teachers-mutual-bank/2dd1ea6e-7a5a-44ce-adfd-035913ed4af3.json","bank_last_updated":"2026-11-12T11:01:57.000+11:00"},
    {"brand":"Teachers Mutual Bank","brand_label":"Teachers Mutual Bank","brand_slug":"teachers-mutual-bank","legal_entity_abn":"30087650459","product_id":"2dd1ea6e-7a5a-44ce-adfd-035913ed4af3","product_name":"Your Way Plus Interest Only Home Loan Investor","product_label":"Your Way Plus Interest Only Home Loan Investor","product_url":"https://www.tmbank.com.au/home-loans/your-way-plus","terms_url":"https://www.tmbank.com.au/content/dam/documents/collateral/consumer-lending.pdf","record_stale":false,"record_correction":null,"rate_kind":"variable","lending_rate_type":"VARIABLE","fixed_months":null,"kind":"variable","purpose":"investment","repayment":"interest_only","rate":0.0704,"rate_pct":7.04,"comparison_rate":0.0715,"comparison_rate_pct":7.15,"lvr_min":70.0,"lvr_max":80.0,"lvr_source":"tier","loan_min":150000.0,"loan_max":null,"interest_in_advance":false,"offset":true,"redraw":true,"annual_fee":300.0,"upfront_fees":null,"exit_fees":250.0,"revert_rate":null,"revert_rate_basis":null,"comparison_check":{"ok":false,"ours_at_150k":7.3,"bank":7.15,"reason":"more than 0.05 points from the bank's"},"restrictions":["restricted_membership"],"eligibility":{"restricted":true,"who":"Australian education sector employees (current or retired) and their families","quote":"Membership is open to current or retired employees of the Australian education sector or family members of members (i.e. shareholders) of the Bank.","source_url":"https://ob.tmbl.com.au/tmbank/cds-au/v1/banking/products/2dd1ea6e-7a5a-44ce-adfd-035913ed4af3"},"ranked":true,"conditions":["restricted membership: Australian education sector employees (current or retired) and their families","Package needs internet banking and an eligible Package deposit account at all times"],"additional_info":"Comparison rates quoted are based on $150,000 for a term of 25 years. Rates apply to secured loans only. 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","source_url":"https://ob.tmbl.com.au/tmbank/cds-au/v1/banking/products/2dd1ea6e-7a5a-44ce-adfd-035913ed4af3","source_snapshot":"/au/finance/home-loans/v1/source/teachers-mutual-bank/2dd1ea6e-7a5a-44ce-adfd-035913ed4af3.json","bank_last_updated":"2026-11-12T11:01:57.000+11:00"},
    {"brand":"Teachers Mutual Bank","brand_label":"Teachers Mutual Bank","brand_slug":"teachers-mutual-bank","legal_entity_abn":"30087650459","product_id":"2dd1ea6e-7a5a-44ce-adfd-035913ed4af3","product_name":"Your Way Plus Interest Only Home Loan Investor","product_label":"Your Way Plus Interest Only Home Loan Investor","product_url":"https://www.tmbank.com.au/home-loans/your-way-plus","terms_url":"https://www.tmbank.com.au/content/dam/documents/collateral/consumer-lending.pdf","record_stale":false,"record_correction":null,"rate_kind":"variable","lending_rate_type":"VARIABLE","fixed_months":null,"kind":"variable","purpose":"investment","repayment":"interest_only","rate":0.0734,"rate_pct":7.34,"comparison_rate":0.0756,"comparison_rate_pct":7.56,"lvr_min":80.1,"lvr_max":90.0,"lvr_source":"tier","loan_min":150000.0,"loan_max":null,"interest_in_advance":false,"offset":true,"redraw":true,"annual_fee":300.0,"upfront_fees":null,"exit_fees":250.0,"revert_rate":null,"revert_rate_basis":null,"comparison_check":{"ok":true,"ours_at_150k":7.6,"bank":7.56},"restrictions":["restricted_membership"],"eligibility":{"restricted":true,"who":"Australian education sector employees (current or retired) and their families","quote":"Membership is open to current or retired employees of the Australian education sector or family members of members (i.e. shareholders) of the Bank.","source_url":"https://ob.tmbl.com.au/tmbank/cds-au/v1/banking/products/2dd1ea6e-7a5a-44ce-adfd-035913ed4af3"},"ranked":true,"conditions":["restricted membership: Australian education sector employees (current or retired) and their families","Package needs internet banking and an eligible Package deposit account at all times"],"additional_info":"Comparison rates quoted are based on $150,000 for a term of 25 years. Rates apply to secured loans only. 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","source_url":"https://ob.tmbl.com.au/tmbank/cds-au/v1/banking/products/2dd1ea6e-7a5a-44ce-adfd-035913ed4af3","source_snapshot":"/au/finance/home-loans/v1/source/teachers-mutual-bank/2dd1ea6e-7a5a-44ce-adfd-035913ed4af3.json","bank_last_updated":"2026-11-12T11:01:57.000+11:00"},
    {"brand":"Teachers Mutual Bank","brand_label":"Teachers Mutual Bank","brand_slug":"teachers-mutual-bank","legal_entity_abn":"30087650459","product_id":"2dd1ea6e-7a5a-44ce-adfd-035913ed4af3","product_name":"Your Way Plus Interest Only Home Loan Investor","product_label":"Your Way Plus Interest Only Home Loan Investor","product_url":"https://www.tmbank.com.au/home-loans/your-way-plus","terms_url":"https://www.tmbank.com.au/content/dam/documents/collateral/consumer-lending.pdf","record_stale":false,"record_correction":null,"rate_kind":"variable","lending_rate_type":"VARIABLE","fixed_months":null,"kind":"variable","purpose":"investment","repayment":"interest_only","rate":0.0769,"rate_pct":7.69,"comparison_rate":0.079,"comparison_rate_pct":7.9,"lvr_min":90.1,"lvr_max":98.0,"lvr_source":"tier","loan_min":150000.0,"loan_max":null,"interest_in_advance":false,"offset":true,"redraw":true,"annual_fee":300.0,"upfront_fees":null,"exit_fees":250.0,"revert_rate":null,"revert_rate_basis":null,"comparison_check":{"ok":true,"ours_at_150k":7.95,"bank":7.9},"restrictions":["restricted_membership"],"eligibility":{"restricted":true,"who":"Australian education sector employees (current or retired) and their families","quote":"Membership is open to current or retired employees of the Australian education sector or family members of members (i.e. shareholders) of the Bank.","source_url":"https://ob.tmbl.com.au/tmbank/cds-au/v1/banking/products/2dd1ea6e-7a5a-44ce-adfd-035913ed4af3"},"ranked":true,"conditions":["restricted membership: Australian education sector employees (current or retired) and their families","Package needs internet banking and an eligible Package deposit account at all times"],"additional_info":"Comparison rates quoted are based on $150,000 for a term of 25 years. Rates apply to secured loans only. 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","source_url":"https://ob.tmbl.com.au/tmbank/cds-au/v1/banking/products/2dd1ea6e-7a5a-44ce-adfd-035913ed4af3","source_snapshot":"/au/finance/home-loans/v1/source/teachers-mutual-bank/2dd1ea6e-7a5a-44ce-adfd-035913ed4af3.json","bank_last_updated":"2026-11-12T11:01:57.000+11:00"},
    {"brand":"The Capricornian","brand_label":"The Capricornian","brand_slug":"the-capricornian","legal_entity_abn":"54087650940","product_id":"65c69889-2d50-4331-9b17-5572de566b92","product_name":"Access Equity Home Loan","product_label":"Access Equity Home Loan","product_url":"https://www.capricornian.com.au/loans/home-loans/access-equity-loan/","terms_url":"https://www.capricornian.com.au/conditions-of-use/","record_stale":false,"record_correction":null,"rate_kind":"variable","lending_rate_type":"VARIABLE","fixed_months":null,"kind":"variable","purpose":"owner_occupied","repayment":"principal_and_interest","rate":0.0834,"rate_pct":8.34,"comparison_rate":0.0839,"comparison_rate_pct":8.39,"lvr_min":0.0,"lvr_max":80.0,"lvr_source":"product","loan_min":5000.0,"loan_max":null,"interest_in_advance":false,"offset":false,"redraw":true,"annual_fee":null,"upfront_fees":600.0,"exit_fees":300.0,"revert_rate":null,"revert_rate_basis":null,"comparison_check":null,"restrictions":["line_of_credit"],"eligibility":null,"ranked":false,"conditions":["line of credit or equity loan","Australian citizens or permanent residents only","Minimum loan $5,000"],"additional_info":"Comparison rate based on $150,000 loan over 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.","source_url":"https://public.cdr.onlinebanking.capricornian.com.au/cds-au/v1/banking/products/65c69889-2d50-4331-9b17-5572de566b92","source_snapshot":"/au/finance/home-loans/v1/source/the-capricornian/65c69889-2d50-4331-9b17-5572de566b92.json","bank_last_updated":"2026-11-12T20:00:00.471298Z"},
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    {"brand":"The Capricornian","brand_label":"The Capricornian","brand_slug":"the-capricornian","legal_entity_abn":"54087650940","product_id":"b29b83ab-921b-4719-9881-a4172e389453","product_name":"Lifestyle Home Loan","product_label":"Lifestyle Home Loan","product_url":"https://www.capricornian.com.au/loans/home-loans/lifestyle-loan/","terms_url":"https://www.capricornian.com.au/conditions-of-use/","record_stale":false,"record_correction":null,"rate_kind":"fixed","lending_rate_type":"FIXED","fixed_months":12,"kind":"fixed_1","purpose":"owner_occupied","repayment":"principal_and_interest","rate":0.0654,"rate_pct":6.54,"comparison_rate":0.0726,"comparison_rate_pct":7.26,"lvr_min":0.0,"lvr_max":80.0,"lvr_source":"product","loan_min":250000.0,"loan_max":null,"interest_in_advance":false,"offset":true,"redraw":true,"annual_fee":null,"upfront_fees":600.0,"exit_fees":300.0,"revert_rate":null,"revert_rate_basis":null,"comparison_check":{"ok":false,"ours_at_150k":null,"bank":7.26,"reason":"no variable rate reproduces the bank's figure"},"restrictions":[],"eligibility":null,"ranked":true,"conditions":["Australian citizens or permanent residents only","Minimum loan $250,000","Fixed: extra repayments up to $10,000 in any 12 months without penalty"],"additional_info":"Comparison rate based on $150,000 loan over 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.","source_url":"https://public.cdr.onlinebanking.capricornian.com.au/cds-au/v1/banking/products/b29b83ab-921b-4719-9881-a4172e389453","source_snapshot":"/au/finance/home-loans/v1/source/the-capricornian/b29b83ab-921b-4719-9881-a4172e389453.json","bank_last_updated":"2026-11-12T20:00:00.411708Z"},
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    {"brand":"The Capricornian","brand_label":"The Capricornian","brand_slug":"the-capricornian","legal_entity_abn":"54087650940","product_id":"57f2a9d4-5498-490f-82ea-61dff8720cc3","product_name":"Premium Choice Home Loan","product_label":"Premium Choice Home Loan","product_url":"https://www.capricornian.com.au/loans/home-loans/premium-choice-loan/","terms_url":"https://www.capricornian.com.au/documents/conditions-of-use/","record_stale":false,"record_correction":null,"rate_kind":"fixed","lending_rate_type":"FIXED","fixed_months":24,"kind":"fixed_2","purpose":"owner_occupied","repayment":"principal_and_interest","rate":0.0659,"rate_pct":6.59,"comparison_rate":0.072,"comparison_rate_pct":7.2,"lvr_min":80.0,"lvr_max":97.0,"lvr_source":"tier","loan_min":50000.0,"loan_max":null,"interest_in_advance":false,"offset":true,"redraw":true,"annual_fee":null,"upfront_fees":600.0,"exit_fees":300.0,"revert_rate":null,"revert_rate_basis":null,"comparison_check":{"ok":false,"ours_at_150k":null,"bank":7.2,"reason":"no variable rate reproduces the bank's figure"},"restrictions":[],"eligibility":null,"ranked":true,"conditions":["Australian citizens or permanent residents only","Minimum new funds $50,000"],"additional_info":"Comparison rate based on $150,000 loan over 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.","source_url":"https://public.cdr.onlinebanking.capricornian.com.au/cds-au/v1/banking/products/57f2a9d4-5498-490f-82ea-61dff8720cc3","source_snapshot":"/au/finance/home-loans/v1/source/the-capricornian/57f2a9d4-5498-490f-82ea-61dff8720cc3.json","bank_last_updated":"2026-11-12T20:00:00.761606Z"},
    {"brand":"The Capricornian","brand_label":"The Capricornian","brand_slug":"the-capricornian","legal_entity_abn":"54087650940","product_id":"57f2a9d4-5498-490f-82ea-61dff8720cc3","product_name":"Premium Choice Home Loan","product_label":"Premium Choice Home Loan","product_url":"https://www.capricornian.com.au/loans/home-loans/premium-choice-loan/","terms_url":"https://www.capricornian.com.au/documents/conditions-of-use/","record_stale":false,"record_correction":null,"rate_kind":"fixed","lending_rate_type":"FIXED","fixed_months":36,"kind":"fixed_3","purpose":"owner_occupied","repayment":"principal_and_interest","rate":0.0654,"rate_pct":6.54,"comparison_rate":0.0712,"comparison_rate_pct":7.12,"lvr_min":0.0,"lvr_max":80.0,"lvr_source":"tier","loan_min":50000.0,"loan_max":null,"interest_in_advance":false,"offset":true,"redraw":true,"annual_fee":null,"upfront_fees":600.0,"exit_fees":300.0,"revert_rate":null,"revert_rate_basis":null,"comparison_check":{"ok":false,"ours_at_150k":null,"bank":7.12,"reason":"no variable rate reproduces the bank's figure"},"restrictions":[],"eligibility":null,"ranked":true,"conditions":["Australian citizens or permanent residents only","Minimum new funds $50,000"],"additional_info":"Comparison rate based on $150,000 loan over 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.","source_url":"https://public.cdr.onlinebanking.capricornian.com.au/cds-au/v1/banking/products/57f2a9d4-5498-490f-82ea-61dff8720cc3","source_snapshot":"/au/finance/home-loans/v1/source/the-capricornian/57f2a9d4-5498-490f-82ea-61dff8720cc3.json","bank_last_updated":"2026-11-12T20:00:00.761606Z"},
    {"brand":"The Capricornian","brand_label":"The Capricornian","brand_slug":"the-capricornian","legal_entity_abn":"54087650940","product_id":"57f2a9d4-5498-490f-82ea-61dff8720cc3","product_name":"Premium Choice Home Loan","product_label":"Premium Choice Home Loan","product_url":"https://www.capricornian.com.au/loans/home-loans/premium-choice-loan/","terms_url":"https://www.capricornian.com.au/documents/conditions-of-use/","record_stale":false,"record_correction":null,"rate_kind":"fixed","lending_rate_type":"FIXED","fixed_months":36,"kind":"fixed_3","purpose":"owner_occupied","repayment":"principal_and_interest","rate":0.0679,"rate_pct":6.79,"comparison_rate":0.0719,"comparison_rate_pct":7.19,"lvr_min":80.0,"lvr_max":97.0,"lvr_source":"tier","loan_min":50000.0,"loan_max":null,"interest_in_advance":false,"offset":true,"redraw":true,"annual_fee":null,"upfront_fees":600.0,"exit_fees":300.0,"revert_rate":null,"revert_rate_basis":null,"comparison_check":{"ok":false,"ours_at_150k":null,"bank":7.19,"reason":"no variable rate reproduces the bank's figure"},"restrictions":[],"eligibility":null,"ranked":true,"conditions":["Australian citizens or permanent residents only","Minimum new funds $50,000"],"additional_info":"Comparison rate based on $150,000 loan over 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.","source_url":"https://public.cdr.onlinebanking.capricornian.com.au/cds-au/v1/banking/products/57f2a9d4-5498-490f-82ea-61dff8720cc3","source_snapshot":"/au/finance/home-loans/v1/source/the-capricornian/57f2a9d4-5498-490f-82ea-61dff8720cc3.json","bank_last_updated":"2026-11-12T20:00:00.761606Z"},
    {"brand":"The Capricornian","brand_label":"The Capricornian","brand_slug":"the-capricornian","legal_entity_abn":"54087650940","product_id":"b7c86d77-bdfb-4081-8ee1-a2e94796b047","product_name":"Premium Choice Investment Loan","product_label":"Premium Choice Investment Loan","product_url":"https://www.capricornian.com.au/loans/home-loans/premium-choice-loan/","terms_url":"https://www.capricornian.com.au/conditions-of-use/","record_stale":false,"record_correction":"maximum LVR 95% for investment: the bank's page says \"Maximum Investment up to 95% of the property value\" (checked 2026-11-13)","rate_kind":"variable","lending_rate_type":"VARIABLE","fixed_months":null,"kind":"variable","purpose":"investment","repayment":"principal_and_interest","rate":0.0812,"rate_pct":8.12,"comparison_rate":0.0817,"comparison_rate_pct":8.17,"lvr_min":0.0,"lvr_max":95.0,"lvr_source":"correction","loan_min":50000.0,"loan_max":null,"interest_in_advance":false,"offset":true,"redraw":true,"annual_fee":null,"upfront_fees":600.0,"exit_fees":300.0,"revert_rate":null,"revert_rate_basis":null,"comparison_check":{"ok":true,"ours_at_150k":8.17,"bank":8.17},"restrictions":[],"eligibility":null,"ranked":true,"conditions":["maximum LVR 95% for investment: the bank's page says \"Maximum Investment up to 95% of the property value\" (checked 2026-11-13)","Australian citizens or permanent residents only","Minimum new funds $50,000","Investment loans up to 95% of the property value (data shows 97%)"],"additional_info":"Comparison rate based on $150,000 loan over 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.","source_url":"https://public.cdr.onlinebanking.capricornian.com.au/cds-au/v1/banking/products/b7c86d77-bdfb-4081-8ee1-a2e94796b047","source_snapshot":"/au/finance/home-loans/v1/source/the-capricornian/b7c86d77-bdfb-4081-8ee1-a2e94796b047.json","bank_last_updated":"2026-11-12T20:00:00.617377Z"},
    {"brand":"The Capricornian","brand_label":"The Capricornian","brand_slug":"the-capricornian","legal_entity_abn":"54087650940","product_id":"b7c86d77-bdfb-4081-8ee1-a2e94796b047","product_name":"Premium Choice Investment Loan","product_label":"Premium Choice Investment Loan","product_url":"https://www.capricornian.com.au/loans/home-loans/premium-choice-loan/","terms_url":"https://www.capricornian.com.au/conditions-of-use/","record_stale":false,"record_correction":"maximum LVR 95% for investment: the bank's page says \"Maximum Investment up to 95% of the property value\" (checked 2026-11-13)","rate_kind":"fixed","lending_rate_type":"FIXED","fixed_months":12,"kind":"fixed_1","purpose":"investment","repayment":"principal_and_interest","rate":0.0654,"rate_pct":6.54,"comparison_rate":0.0744,"comparison_rate_pct":7.44,"lvr_min":0.0,"lvr_max":80.0,"lvr_source":"correction","loan_min":50000.0,"loan_max":null,"interest_in_advance":false,"offset":true,"redraw":true,"annual_fee":null,"upfront_fees":600.0,"exit_fees":300.0,"revert_rate":null,"revert_rate_basis":null,"comparison_check":{"ok":false,"ours_at_150k":null,"bank":7.44,"reason":"no variable rate reproduces the bank's figure"},"restrictions":[],"eligibility":null,"ranked":true,"conditions":["maximum LVR 95% for investment: the bank's page says \"Maximum Investment up to 95% of the property value\" (checked 2026-11-13)","Australian citizens or permanent residents only","Minimum new funds $50,000","Investment loans up to 95% of the property value (data shows 97%)"],"additional_info":"Comparison rate based on $150,000 loan over 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.","source_url":"https://public.cdr.onlinebanking.capricornian.com.au/cds-au/v1/banking/products/b7c86d77-bdfb-4081-8ee1-a2e94796b047","source_snapshot":"/au/finance/home-loans/v1/source/the-capricornian/b7c86d77-bdfb-4081-8ee1-a2e94796b047.json","bank_last_updated":"2026-11-12T20:00:00.617377Z"},
    {"brand":"The Capricornian","brand_label":"The Capricornian","brand_slug":"the-capricornian","legal_entity_abn":"54087650940","product_id":"b7c86d77-bdfb-4081-8ee1-a2e94796b047","product_name":"Premium Choice Investment Loan","product_label":"Premium Choice Investment Loan","product_url":"https://www.capricornian.com.au/loans/home-loans/premium-choice-loan/","terms_url":"https://www.capricornian.com.au/conditions-of-use/","record_stale":false,"record_correction":"maximum LVR 95% for investment: the bank's page says \"Maximum Investment up to 95% of the property value\" (checked 2026-11-13)","rate_kind":"fixed","lending_rate_type":"FIXED","fixed_months":12,"kind":"fixed_1","purpose":"investment","repayment":"principal_and_interest","rate":0.0669,"rate_pct":6.69,"comparison_rate":0.0745,"comparison_rate_pct":7.45,"lvr_min":80.0,"lvr_max":95.0,"lvr_source":"correction","loan_min":50000.0,"loan_max":null,"interest_in_advance":false,"offset":true,"redraw":true,"annual_fee":null,"upfront_fees":600.0,"exit_fees":300.0,"revert_rate":null,"revert_rate_basis":null,"comparison_check":{"ok":false,"ours_at_150k":null,"bank":7.45,"reason":"no variable rate reproduces the bank's figure"},"restrictions":[],"eligibility":null,"ranked":true,"conditions":["maximum LVR 95% for investment: the bank's page says \"Maximum Investment up to 95% of the property value\" (checked 2026-11-13)","Australian citizens or permanent residents only","Minimum new funds $50,000","Investment loans up to 95% of the property value (data shows 97%)"],"additional_info":"Comparison rate based on $150,000 loan over 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.","source_url":"https://public.cdr.onlinebanking.capricornian.com.au/cds-au/v1/banking/products/b7c86d77-bdfb-4081-8ee1-a2e94796b047","source_snapshot":"/au/finance/home-loans/v1/source/the-capricornian/b7c86d77-bdfb-4081-8ee1-a2e94796b047.json","bank_last_updated":"2026-11-12T20:00:00.617377Z"},
    {"brand":"The Capricornian","brand_label":"The Capricornian","brand_slug":"the-capricornian","legal_entity_abn":"54087650940","product_id":"b7c86d77-bdfb-4081-8ee1-a2e94796b047","product_name":"Premium Choice Investment Loan","product_label":"Premium Choice Investment Loan","product_url":"https://www.capricornian.com.au/loans/home-loans/premium-choice-loan/","terms_url":"https://www.capricornian.com.au/conditions-of-use/","record_stale":false,"record_correction":"maximum LVR 95% for investment: the bank's page says \"Maximum Investment up to 95% of the property value\" (checked 2026-11-13)","rate_kind":"fixed","lending_rate_type":"FIXED","fixed_months":24,"kind":"fixed_2","purpose":"investment","repayment":"principal_and_interest","rate":0.0644,"rate_pct":6.44,"comparison_rate":0.0732,"comparison_rate_pct":7.32,"lvr_min":0.0,"lvr_max":80.0,"lvr_source":"correction","loan_min":50000.0,"loan_max":null,"interest_in_advance":false,"offset":true,"redraw":true,"annual_fee":null,"upfront_fees":600.0,"exit_fees":300.0,"revert_rate":null,"revert_rate_basis":null,"comparison_check":{"ok":false,"ours_at_150k":null,"bank":7.32,"reason":"no variable rate reproduces the bank's figure"},"restrictions":[],"eligibility":null,"ranked":true,"conditions":["maximum LVR 95% for investment: the bank's page says \"Maximum Investment up to 95% of the property value\" (checked 2026-11-13)","Australian citizens or permanent residents only","Minimum new funds $50,000","Investment loans up to 95% of the property value (data shows 97%)"],"additional_info":"Comparison rate based on $150,000 loan over 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.","source_url":"https://public.cdr.onlinebanking.capricornian.com.au/cds-au/v1/banking/products/b7c86d77-bdfb-4081-8ee1-a2e94796b047","source_snapshot":"/au/finance/home-loans/v1/source/the-capricornian/b7c86d77-bdfb-4081-8ee1-a2e94796b047.json","bank_last_updated":"2026-11-12T20:00:00.617377Z"},
    {"brand":"The Capricornian","brand_label":"The Capricornian","brand_slug":"the-capricornian","legal_entity_abn":"54087650940","product_id":"b7c86d77-bdfb-4081-8ee1-a2e94796b047","product_name":"Premium Choice Investment Loan","product_label":"Premium Choice Investment Loan","product_url":"https://www.capricornian.com.au/loans/home-loans/premium-choice-loan/","terms_url":"https://www.capricornian.com.au/conditions-of-use/","record_stale":false,"record_correction":"maximum LVR 95% for investment: the bank's page says \"Maximum Investment up to 95% of the property value\" (checked 2026-11-13)","rate_kind":"fixed","lending_rate_type":"FIXED","fixed_months":24,"kind":"fixed_2","purpose":"investment","repayment":"principal_and_interest","rate":0.0669,"rate_pct":6.69,"comparison_rate":0.0737,"comparison_rate_pct":7.37,"lvr_min":80.0,"lvr_max":95.0,"lvr_source":"correction","loan_min":50000.0,"loan_max":null,"interest_in_advance":false,"offset":true,"redraw":true,"annual_fee":null,"upfront_fees":600.0,"exit_fees":300.0,"revert_rate":null,"revert_rate_basis":null,"comparison_check":{"ok":false,"ours_at_150k":null,"bank":7.37,"reason":"no variable rate reproduces the bank's figure"},"restrictions":[],"eligibility":null,"ranked":true,"conditions":["maximum LVR 95% for investment: the bank's page says \"Maximum Investment up to 95% of the property value\" (checked 2026-11-13)","Australian citizens or permanent residents only","Minimum new funds $50,000","Investment loans up to 95% of the property value (data shows 97%)"],"additional_info":"Comparison rate based on $150,000 loan over 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.","source_url":"https://public.cdr.onlinebanking.capricornian.com.au/cds-au/v1/banking/products/b7c86d77-bdfb-4081-8ee1-a2e94796b047","source_snapshot":"/au/finance/home-loans/v1/source/the-capricornian/b7c86d77-bdfb-4081-8ee1-a2e94796b047.json","bank_last_updated":"2026-11-12T20:00:00.617377Z"},
    {"brand":"The Capricornian","brand_label":"The Capricornian","brand_slug":"the-capricornian","legal_entity_abn":"54087650940","product_id":"b7c86d77-bdfb-4081-8ee1-a2e94796b047","product_name":"Premium Choice Investment Loan","product_label":"Premium Choice Investment Loan","product_url":"https://www.capricornian.com.au/loans/home-loans/premium-choice-loan/","terms_url":"https://www.capricornian.com.au/conditions-of-use/","record_stale":false,"record_correction":"maximum LVR 95% for investment: the bank's page says \"Maximum Investment up to 95% of the property value\" (checked 2026-11-13)","rate_kind":"fixed","lending_rate_type":"FIXED","fixed_months":36,"kind":"fixed_3","purpose":"investment","repayment":"principal_and_interest","rate":0.0664,"rate_pct":6.64,"comparison_rate":0.0729,"comparison_rate_pct":7.29,"lvr_min":0.0,"lvr_max":80.0,"lvr_source":"correction","loan_min":50000.0,"loan_max":null,"interest_in_advance":false,"offset":true,"redraw":true,"annual_fee":null,"upfront_fees":600.0,"exit_fees":300.0,"revert_rate":null,"revert_rate_basis":null,"comparison_check":{"ok":false,"ours_at_150k":null,"bank":7.29,"reason":"no variable rate reproduces the bank's figure"},"restrictions":[],"eligibility":null,"ranked":true,"conditions":["maximum LVR 95% for investment: the bank's page says \"Maximum Investment up to 95% of the property value\" (checked 2026-11-13)","Australian citizens or permanent residents only","Minimum new funds $50,000","Investment loans up to 95% of the property value (data shows 97%)"],"additional_info":"Comparison rate based on $150,000 loan over 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.","source_url":"https://public.cdr.onlinebanking.capricornian.com.au/cds-au/v1/banking/products/b7c86d77-bdfb-4081-8ee1-a2e94796b047","source_snapshot":"/au/finance/home-loans/v1/source/the-capricornian/b7c86d77-bdfb-4081-8ee1-a2e94796b047.json","bank_last_updated":"2026-11-12T20:00:00.617377Z"},
    {"brand":"The Capricornian","brand_label":"The Capricornian","brand_slug":"the-capricornian","legal_entity_abn":"54087650940","product_id":"b7c86d77-bdfb-4081-8ee1-a2e94796b047","product_name":"Premium Choice Investment Loan","product_label":"Premium Choice Investment Loan","product_url":"https://www.capricornian.com.au/loans/home-loans/premium-choice-loan/","terms_url":"https://www.capricornian.com.au/conditions-of-use/","record_stale":false,"record_correction":"maximum LVR 95% for investment: the bank's page says \"Maximum Investment up to 95% of the property value\" (checked 2026-11-13)","rate_kind":"fixed","lending_rate_type":"FIXED","fixed_months":36,"kind":"fixed_3","purpose":"investment","repayment":"principal_and_interest","rate":0.0689,"rate_pct":6.89,"comparison_rate":0.0736,"comparison_rate_pct":7.36,"lvr_min":80.0,"lvr_max":95.0,"lvr_source":"correction","loan_min":50000.0,"loan_max":null,"interest_in_advance":false,"offset":true,"redraw":true,"annual_fee":null,"upfront_fees":600.0,"exit_fees":300.0,"revert_rate":null,"revert_rate_basis":null,"comparison_check":{"ok":false,"ours_at_150k":null,"bank":7.36,"reason":"no variable rate reproduces the bank's figure"},"restrictions":[],"eligibility":null,"ranked":true,"conditions":["maximum LVR 95% for investment: the bank's page says \"Maximum Investment up to 95% of the property value\" (checked 2026-11-13)","Australian citizens or permanent residents only","Minimum new funds $50,000","Investment loans up to 95% of the property value (data shows 97%)"],"additional_info":"Comparison rate based on $150,000 loan over 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.","source_url":"https://public.cdr.onlinebanking.capricornian.com.au/cds-au/v1/banking/products/b7c86d77-bdfb-4081-8ee1-a2e94796b047","source_snapshot":"/au/finance/home-loans/v1/source/the-capricornian/b7c86d77-bdfb-4081-8ee1-a2e94796b047.json","bank_last_updated":"2026-11-12T20:00:00.617377Z"},
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    {"brand":"UniBank","brand_label":"UniBank","brand_slug":"unibank","legal_entity_abn":"30087650459","product_id":"3c567f34-f5f6-49b2-944a-422415b887f9","product_name":"Your Way Plus Home Loan Investor","product_label":"Your Way Plus Home Loan Investor","product_url":"https://www.unibank.com.au/home-loans/your-way-plus","terms_url":"https://www.unibank.com.au/content/dam/documents/collateral/consumer-lending.pdf","record_stale":false,"record_correction":null,"rate_kind":"variable","lending_rate_type":"VARIABLE","fixed_months":null,"kind":"variable","purpose":"investment","repayment":"principal_and_interest","rate":0.0674,"rate_pct":6.74,"comparison_rate":0.0703,"comparison_rate_pct":7.03,"lvr_min":70.0,"lvr_max":80.0,"lvr_source":"tier","loan_min":150000.0,"loan_max":null,"interest_in_advance":false,"offset":true,"redraw":true,"annual_fee":300.0,"upfront_fees":null,"exit_fees":250.0,"revert_rate":null,"revert_rate_basis":null,"comparison_check":{"ok":true,"ours_at_150k":7.01,"bank":7.03},"restrictions":["restricted_membership"],"eligibility":{"restricted":true,"who":"Australian university staff (current or retired), graduates, students and their families","quote":"Membership is open to current or retired employees, graduates and post-graduates and current students of an Australian university or family members of members (i.e. shareholders) of the Bank.","source_url":"https://ob.tmbl.com.au/unibank/cds-au/v1/banking/products/3c567f34-f5f6-49b2-944a-422415b887f9"},"ranked":true,"conditions":["restricted membership: Australian university staff (current or retired), graduates, students and their families"],"additional_info":"Comparison rates quoted are based on $150,000 for a term of 25 years. Rates apply to secured loans only. 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","source_url":"https://ob.tmbl.com.au/unibank/cds-au/v1/banking/products/3c567f34-f5f6-49b2-944a-422415b887f9","source_snapshot":"/au/finance/home-loans/v1/source/unibank/3c567f34-f5f6-49b2-944a-422415b887f9.json","bank_last_updated":"2026-11-12T11:00:50.000+11:00"},
    {"brand":"UniBank","brand_label":"UniBank","brand_slug":"unibank","legal_entity_abn":"30087650459","product_id":"3c567f34-f5f6-49b2-944a-422415b887f9","product_name":"Your Way Plus Home Loan Investor","product_label":"Your Way Plus Home Loan Investor","product_url":"https://www.unibank.com.au/home-loans/your-way-plus","terms_url":"https://www.unibank.com.au/content/dam/documents/collateral/consumer-lending.pdf","record_stale":false,"record_correction":null,"rate_kind":"variable","lending_rate_type":"VARIABLE","fixed_months":null,"kind":"variable","purpose":"investment","repayment":"principal_and_interest","rate":0.0724,"rate_pct":7.24,"comparison_rate":0.0753,"comparison_rate_pct":7.53,"lvr_min":80.1,"lvr_max":90.0,"lvr_source":"tier","loan_min":150000.0,"loan_max":null,"interest_in_advance":false,"offset":true,"redraw":true,"annual_fee":300.0,"upfront_fees":null,"exit_fees":250.0,"revert_rate":null,"revert_rate_basis":null,"comparison_check":{"ok":true,"ours_at_150k":7.5,"bank":7.53},"restrictions":["restricted_membership"],"eligibility":{"restricted":true,"who":"Australian university staff (current or retired), graduates, students and their families","quote":"Membership is open to current or retired employees, graduates and post-graduates and current students of an Australian university or family members of members (i.e. shareholders) of the Bank.","source_url":"https://ob.tmbl.com.au/unibank/cds-au/v1/banking/products/3c567f34-f5f6-49b2-944a-422415b887f9"},"ranked":true,"conditions":["restricted membership: Australian university staff (current or retired), graduates, students and their families"],"additional_info":"Comparison rates quoted are based on $150,000 for a term of 25 years. Rates apply to secured loans only. 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","source_url":"https://ob.tmbl.com.au/unibank/cds-au/v1/banking/products/3c567f34-f5f6-49b2-944a-422415b887f9","source_snapshot":"/au/finance/home-loans/v1/source/unibank/3c567f34-f5f6-49b2-944a-422415b887f9.json","bank_last_updated":"2026-11-12T11:00:50.000+11:00"},
    {"brand":"UniBank","brand_label":"UniBank","brand_slug":"unibank","legal_entity_abn":"30087650459","product_id":"3c567f34-f5f6-49b2-944a-422415b887f9","product_name":"Your Way Plus Home Loan Investor","product_label":"Your Way Plus Home Loan Investor","product_url":"https://www.unibank.com.au/home-loans/your-way-plus","terms_url":"https://www.unibank.com.au/content/dam/documents/collateral/consumer-lending.pdf","record_stale":false,"record_correction":null,"rate_kind":"variable","lending_rate_type":"VARIABLE","fixed_months":null,"kind":"variable","purpose":"investment","repayment":"principal_and_interest","rate":0.0759,"rate_pct":7.59,"comparison_rate":0.0788,"comparison_rate_pct":7.88,"lvr_min":90.1,"lvr_max":98.0,"lvr_source":"tier","loan_min":150000.0,"loan_max":null,"interest_in_advance":false,"offset":true,"redraw":true,"annual_fee":300.0,"upfront_fees":null,"exit_fees":250.0,"revert_rate":null,"revert_rate_basis":null,"comparison_check":{"ok":true,"ours_at_150k":7.85,"bank":7.88},"restrictions":["restricted_membership"],"eligibility":{"restricted":true,"who":"Australian university staff (current or retired), graduates, students and their families","quote":"Membership is open to current or retired employees, graduates and post-graduates and current students of an Australian university or family members of members (i.e. shareholders) of the Bank.","source_url":"https://ob.tmbl.com.au/unibank/cds-au/v1/banking/products/3c567f34-f5f6-49b2-944a-422415b887f9"},"ranked":true,"conditions":["restricted membership: Australian university staff (current or retired), graduates, students and their families"],"additional_info":"Comparison rates quoted are based on $150,000 for a term of 25 years. Rates apply to secured loans only. 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","source_url":"https://ob.tmbl.com.au/unibank/cds-au/v1/banking/products/3c567f34-f5f6-49b2-944a-422415b887f9","source_snapshot":"/au/finance/home-loans/v1/source/unibank/3c567f34-f5f6-49b2-944a-422415b887f9.json","bank_last_updated":"2026-11-12T11:00:50.000+11:00"},
    {"brand":"UniBank","brand_label":"UniBank","brand_slug":"unibank","legal_entity_abn":"30087650459","product_id":"94aaed0d-a065-42cb-9e84-379c63b64e15","product_name":"Your Way Plus Interest Only Home Loan","product_label":"Your Way Plus Interest Only Home Loan","product_url":"https://www.unibank.com.au/home-loans/your-way-plus","terms_url":"https://www.unibank.com.au/content/dam/documents/collateral/consumer-lending.pdf","record_stale":false,"record_correction":null,"rate_kind":"variable","lending_rate_type":"VARIABLE","fixed_months":null,"kind":"variable","purpose":"owner_occupied","repayment":"interest_only","rate":0.0674,"rate_pct":6.74,"comparison_rate":0.0685,"comparison_rate_pct":6.85,"lvr_min":0.1,"lvr_max":60.0,"lvr_source":"tier","loan_min":150000.0,"loan_max":null,"interest_in_advance":false,"offset":true,"redraw":true,"annual_fee":300.0,"upfront_fees":null,"exit_fees":250.0,"revert_rate":null,"revert_rate_basis":null,"comparison_check":{"ok":false,"ours_at_150k":7.01,"bank":6.85,"reason":"more than 0.05 points from the bank's"},"restrictions":["restricted_membership"],"eligibility":{"restricted":true,"who":"Australian university staff (current or retired), graduates, students and their families","quote":"Membership is open to current or retired employees, graduates and post-graduates and current students of an Australian university or family members of members (i.e. shareholders) of the Bank.","source_url":"https://ob.tmbl.com.au/unibank/cds-au/v1/banking/products/94aaed0d-a065-42cb-9e84-379c63b64e15"},"ranked":true,"conditions":["restricted membership: Australian university staff (current or retired), graduates, students and their families"],"additional_info":"Comparison rates quoted are based on $150,000 for a term of 25 years. Rates apply to secured loans only. 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","source_url":"https://ob.tmbl.com.au/unibank/cds-au/v1/banking/products/94aaed0d-a065-42cb-9e84-379c63b64e15","source_snapshot":"/au/finance/home-loans/v1/source/unibank/94aaed0d-a065-42cb-9e84-379c63b64e15.json","bank_last_updated":"2026-11-12T10:53:59.000+11:00"},
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    {"brand":"UniBank","brand_label":"UniBank","brand_slug":"unibank","legal_entity_abn":"30087650459","product_id":"94aaed0d-a065-42cb-9e84-379c63b64e15","product_name":"Your Way Plus Interest Only Home Loan","product_label":"Your Way Plus Interest Only Home Loan","product_url":"https://www.unibank.com.au/home-loans/your-way-plus","terms_url":"https://www.unibank.com.au/content/dam/documents/collateral/consumer-lending.pdf","record_stale":false,"record_correction":null,"rate_kind":"variable","lending_rate_type":"VARIABLE","fixed_months":null,"kind":"variable","purpose":"owner_occupied","repayment":"interest_only","rate":0.0734,"rate_pct":7.34,"comparison_rate":0.0747,"comparison_rate_pct":7.47,"lvr_min":80.1,"lvr_max":90.0,"lvr_source":"tier","loan_min":150000.0,"loan_max":null,"interest_in_advance":false,"offset":true,"redraw":true,"annual_fee":300.0,"upfront_fees":null,"exit_fees":250.0,"revert_rate":null,"revert_rate_basis":null,"comparison_check":{"ok":false,"ours_at_150k":7.6,"bank":7.47,"reason":"more than 0.05 points from the bank's"},"restrictions":["restricted_membership"],"eligibility":{"restricted":true,"who":"Australian university staff (current or retired), graduates, students and their families","quote":"Membership is open to current or retired employees, graduates and post-graduates and current students of an Australian university or family members of members (i.e. shareholders) of the Bank.","source_url":"https://ob.tmbl.com.au/unibank/cds-au/v1/banking/products/94aaed0d-a065-42cb-9e84-379c63b64e15"},"ranked":true,"conditions":["restricted membership: Australian university staff (current or retired), graduates, students and their families"],"additional_info":"Comparison rates quoted are based on $150,000 for a term of 25 years. Rates apply to secured loans only. 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","source_url":"https://ob.tmbl.com.au/unibank/cds-au/v1/banking/products/94aaed0d-a065-42cb-9e84-379c63b64e15","source_snapshot":"/au/finance/home-loans/v1/source/unibank/94aaed0d-a065-42cb-9e84-379c63b64e15.json","bank_last_updated":"2026-11-12T10:53:59.000+11:00"},
    {"brand":"UniBank","brand_label":"UniBank","brand_slug":"unibank","legal_entity_abn":"30087650459","product_id":"94aaed0d-a065-42cb-9e84-379c63b64e15","product_name":"Your Way Plus Interest Only Home Loan","product_label":"Your Way Plus Interest Only Home Loan","product_url":"https://www.unibank.com.au/home-loans/your-way-plus","terms_url":"https://www.unibank.com.au/content/dam/documents/collateral/consumer-lending.pdf","record_stale":false,"record_correction":null,"rate_kind":"variable","lending_rate_type":"VARIABLE","fixed_months":null,"kind":"variable","purpose":"owner_occupied","repayment":"interest_only","rate":0.0769,"rate_pct":7.69,"comparison_rate":0.0782,"comparison_rate_pct":7.82,"lvr_min":90.1,"lvr_max":98.0,"lvr_source":"tier","loan_min":150000.0,"loan_max":null,"interest_in_advance":false,"offset":true,"redraw":true,"annual_fee":300.0,"upfront_fees":null,"exit_fees":250.0,"revert_rate":null,"revert_rate_basis":null,"comparison_check":{"ok":false,"ours_at_150k":7.95,"bank":7.82,"reason":"more than 0.05 points from the bank's"},"restrictions":["restricted_membership"],"eligibility":{"restricted":true,"who":"Australian university staff (current or retired), graduates, students and their families","quote":"Membership is open to current or retired employees, graduates and post-graduates and current students of an Australian university or family members of members (i.e. shareholders) of the Bank.","source_url":"https://ob.tmbl.com.au/unibank/cds-au/v1/banking/products/94aaed0d-a065-42cb-9e84-379c63b64e15"},"ranked":true,"conditions":["restricted membership: Australian university staff (current or retired), graduates, students and their families"],"additional_info":"Comparison rates quoted are based on $150,000 for a term of 25 years. Rates apply to secured loans only. 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","source_url":"https://ob.tmbl.com.au/unibank/cds-au/v1/banking/products/94aaed0d-a065-42cb-9e84-379c63b64e15","source_snapshot":"/au/finance/home-loans/v1/source/unibank/94aaed0d-a065-42cb-9e84-379c63b64e15.json","bank_last_updated":"2026-11-12T10:53:59.000+11:00"},
    {"brand":"UniBank","brand_label":"UniBank","brand_slug":"unibank","legal_entity_abn":"30087650459","product_id":"4fc14fb8-80b5-4220-a2bd-b0585a80abcc","product_name":"Your Way Plus Interest Only Home Loan Investor","product_label":"Your Way Plus Interest Only Home Loan Investor","product_url":"https://www.unibank.com.au/home-loans/your-way-plus","terms_url":"https://www.unibank.com.au/content/dam/documents/collateral/consumer-lending.pdf","record_stale":false,"record_correction":null,"rate_kind":"variable","lending_rate_type":"VARIABLE","fixed_months":null,"kind":"variable","purpose":"investment","repayment":"interest_only","rate":0.0684,"rate_pct":6.84,"comparison_rate":0.07,"comparison_rate_pct":7.0,"lvr_min":0.1,"lvr_max":60.0,"lvr_source":"tier","loan_min":150000.0,"loan_max":null,"interest_in_advance":false,"offset":true,"redraw":true,"annual_fee":300.0,"upfront_fees":null,"exit_fees":250.0,"revert_rate":null,"revert_rate_basis":null,"comparison_check":{"ok":false,"ours_at_150k":7.1,"bank":7.0,"reason":"more than 0.05 points from the bank's"},"restrictions":["restricted_membership"],"eligibility":{"restricted":true,"who":"Australian university staff (current or retired), graduates, students and their families","quote":"Membership is open to current or retired employees, graduates and post-graduates and current students of an Australian university or family members of members (i.e. shareholders) of the Bank.","source_url":"https://ob.tmbl.com.au/unibank/cds-au/v1/banking/products/4fc14fb8-80b5-4220-a2bd-b0585a80abcc"},"ranked":true,"conditions":["restricted membership: Australian university staff (current or retired), graduates, students and their families"],"additional_info":"Comparison rates quoted are based on $150,000 for a term of 25 years. Rates apply to secured loans only. 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","source_url":"https://ob.tmbl.com.au/unibank/cds-au/v1/banking/products/4fc14fb8-80b5-4220-a2bd-b0585a80abcc","source_snapshot":"/au/finance/home-loans/v1/source/unibank/4fc14fb8-80b5-4220-a2bd-b0585a80abcc.json","bank_last_updated":"2026-11-12T11:01:57.000+11:00"},
    {"brand":"UniBank","brand_label":"UniBank","brand_slug":"unibank","legal_entity_abn":"30087650459","product_id":"4fc14fb8-80b5-4220-a2bd-b0585a80abcc","product_name":"Your Way Plus Interest Only Home Loan Investor","product_label":"Your Way Plus Interest Only Home Loan Investor","product_url":"https://www.unibank.com.au/home-loans/your-way-plus","terms_url":"https://www.unibank.com.au/content/dam/documents/collateral/consumer-lending.pdf","record_stale":false,"record_correction":null,"rate_kind":"variable","lending_rate_type":"VARIABLE","fixed_months":null,"kind":"variable","purpose":"investment","repayment":"interest_only","rate":0.0694,"rate_pct":6.94,"comparison_rate":0.0707,"comparison_rate_pct":7.07,"lvr_min":60.1,"lvr_max":70.0,"lvr_source":"tier","loan_min":150000.0,"loan_max":null,"interest_in_advance":false,"offset":true,"redraw":true,"annual_fee":300.0,"upfront_fees":null,"exit_fees":250.0,"revert_rate":null,"revert_rate_basis":null,"comparison_check":{"ok":false,"ours_at_150k":7.2,"bank":7.07,"reason":"more than 0.05 points from the bank's"},"restrictions":["restricted_membership"],"eligibility":{"restricted":true,"who":"Australian university staff (current or retired), graduates, students and their families","quote":"Membership is open to current or retired employees, graduates and post-graduates and current students of an Australian university or family members of members (i.e. shareholders) of the Bank.","source_url":"https://ob.tmbl.com.au/unibank/cds-au/v1/banking/products/4fc14fb8-80b5-4220-a2bd-b0585a80abcc"},"ranked":true,"conditions":["restricted membership: Australian university staff (current or retired), graduates, students and their families"],"additional_info":"Comparison rates quoted are based on $150,000 for a term of 25 years. Rates apply to secured loans only. 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","source_url":"https://ob.tmbl.com.au/unibank/cds-au/v1/banking/products/4fc14fb8-80b5-4220-a2bd-b0585a80abcc","source_snapshot":"/au/finance/home-loans/v1/source/unibank/4fc14fb8-80b5-4220-a2bd-b0585a80abcc.json","bank_last_updated":"2026-11-12T11:01:57.000+11:00"},
    {"brand":"UniBank","brand_label":"UniBank","brand_slug":"unibank","legal_entity_abn":"30087650459","product_id":"4fc14fb8-80b5-4220-a2bd-b0585a80abcc","product_name":"Your Way Plus Interest Only Home Loan Investor","product_label":"Your Way Plus Interest Only Home Loan Investor","product_url":"https://www.unibank.com.au/home-loans/your-way-plus","terms_url":"https://www.unibank.com.au/content/dam/documents/collateral/consumer-lending.pdf","record_stale":false,"record_correction":null,"rate_kind":"variable","lending_rate_type":"VARIABLE","fixed_months":null,"kind":"variable","purpose":"investment","repayment":"interest_only","rate":0.0704,"rate_pct":7.04,"comparison_rate":0.0715,"comparison_rate_pct":7.15,"lvr_min":70.0,"lvr_max":80.0,"lvr_source":"tier","loan_min":150000.0,"loan_max":null,"interest_in_advance":false,"offset":true,"redraw":true,"annual_fee":300.0,"upfront_fees":null,"exit_fees":250.0,"revert_rate":null,"revert_rate_basis":null,"comparison_check":{"ok":false,"ours_at_150k":7.3,"bank":7.15,"reason":"more than 0.05 points from the bank's"},"restrictions":["restricted_membership"],"eligibility":{"restricted":true,"who":"Australian university staff (current or retired), graduates, students and their families","quote":"Membership is open to current or retired employees, graduates and post-graduates and current students of an Australian university or family members of members (i.e. shareholders) of the Bank.","source_url":"https://ob.tmbl.com.au/unibank/cds-au/v1/banking/products/4fc14fb8-80b5-4220-a2bd-b0585a80abcc"},"ranked":true,"conditions":["restricted membership: Australian university staff (current or retired), graduates, students and their families"],"additional_info":"Comparison rates quoted are based on $150,000 for a term of 25 years. Rates apply to secured loans only. 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","source_url":"https://ob.tmbl.com.au/unibank/cds-au/v1/banking/products/4fc14fb8-80b5-4220-a2bd-b0585a80abcc","source_snapshot":"/au/finance/home-loans/v1/source/unibank/4fc14fb8-80b5-4220-a2bd-b0585a80abcc.json","bank_last_updated":"2026-11-12T11:01:57.000+11:00"},
    {"brand":"UniBank","brand_label":"UniBank","brand_slug":"unibank","legal_entity_abn":"30087650459","product_id":"4fc14fb8-80b5-4220-a2bd-b0585a80abcc","product_name":"Your Way Plus Interest Only Home Loan Investor","product_label":"Your Way Plus Interest Only Home Loan Investor","product_url":"https://www.unibank.com.au/home-loans/your-way-plus","terms_url":"https://www.unibank.com.au/content/dam/documents/collateral/consumer-lending.pdf","record_stale":false,"record_correction":null,"rate_kind":"variable","lending_rate_type":"VARIABLE","fixed_months":null,"kind":"variable","purpose":"investment","repayment":"interest_only","rate":0.0734,"rate_pct":7.34,"comparison_rate":0.0756,"comparison_rate_pct":7.56,"lvr_min":80.1,"lvr_max":90.0,"lvr_source":"tier","loan_min":150000.0,"loan_max":null,"interest_in_advance":false,"offset":true,"redraw":true,"annual_fee":300.0,"upfront_fees":null,"exit_fees":250.0,"revert_rate":null,"revert_rate_basis":null,"comparison_check":{"ok":true,"ours_at_150k":7.6,"bank":7.56},"restrictions":["restricted_membership"],"eligibility":{"restricted":true,"who":"Australian university staff (current or retired), graduates, students and their families","quote":"Membership is open to current or retired employees, graduates and post-graduates and current students of an Australian university or family members of members (i.e. shareholders) of the Bank.","source_url":"https://ob.tmbl.com.au/unibank/cds-au/v1/banking/products/4fc14fb8-80b5-4220-a2bd-b0585a80abcc"},"ranked":true,"conditions":["restricted membership: Australian university staff (current or retired), graduates, students and their families"],"additional_info":"Comparison rates quoted are based on $150,000 for a term of 25 years. Rates apply to secured loans only. 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","source_url":"https://ob.tmbl.com.au/unibank/cds-au/v1/banking/products/4fc14fb8-80b5-4220-a2bd-b0585a80abcc","source_snapshot":"/au/finance/home-loans/v1/source/unibank/4fc14fb8-80b5-4220-a2bd-b0585a80abcc.json","bank_last_updated":"2026-11-12T11:01:57.000+11:00"},
    {"brand":"UniBank","brand_label":"UniBank","brand_slug":"unibank","legal_entity_abn":"30087650459","product_id":"4fc14fb8-80b5-4220-a2bd-b0585a80abcc","product_name":"Your Way Plus Interest Only Home Loan Investor","product_label":"Your Way Plus Interest Only Home Loan Investor","product_url":"https://www.unibank.com.au/home-loans/your-way-plus","terms_url":"https://www.unibank.com.au/content/dam/documents/collateral/consumer-lending.pdf","record_stale":false,"record_correction":null,"rate_kind":"variable","lending_rate_type":"VARIABLE","fixed_months":null,"kind":"variable","purpose":"investment","repayment":"interest_only","rate":0.0769,"rate_pct":7.69,"comparison_rate":0.079,"comparison_rate_pct":7.9,"lvr_min":90.1,"lvr_max":98.0,"lvr_source":"tier","loan_min":150000.0,"loan_max":null,"interest_in_advance":false,"offset":true,"redraw":true,"annual_fee":300.0,"upfront_fees":null,"exit_fees":250.0,"revert_rate":null,"revert_rate_basis":null,"comparison_check":{"ok":true,"ours_at_150k":7.95,"bank":7.9},"restrictions":["restricted_membership"],"eligibility":{"restricted":true,"who":"Australian university staff (current or retired), graduates, students and their families","quote":"Membership is open to current or retired employees, graduates and post-graduates and current students of an Australian university or family members of members (i.e. shareholders) of the Bank.","source_url":"https://ob.tmbl.com.au/unibank/cds-au/v1/banking/products/4fc14fb8-80b5-4220-a2bd-b0585a80abcc"},"ranked":true,"conditions":["restricted membership: Australian university staff (current or retired), graduates, students and their families"],"additional_info":"Comparison rates quoted are based on $150,000 for a term of 25 years. Rates apply to secured loans only. 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","source_url":"https://ob.tmbl.com.au/unibank/cds-au/v1/banking/products/4fc14fb8-80b5-4220-a2bd-b0585a80abcc","source_snapshot":"/au/finance/home-loans/v1/source/unibank/4fc14fb8-80b5-4220-a2bd-b0585a80abcc.json","bank_last_updated":"2026-11-12T11:01:57.000+11:00"},
    {"brand":"Unity Bank","brand_label":"Unity Bank","brand_slug":"unity-bank","legal_entity_abn":"72087650637","product_id":"L34_ADVL_INV_IntVs012_WO","product_name":"Advantage Home Loan - Investment - Variable - Interest Only - With Offset","product_label":"Advantage Home Loan - Investment - Variable - Interest Only - With Offset","product_url":"https://www.unity.bank/home-loans/invest-in-property/advantage-home-loan-property-investor/","terms_url":"https://www.unity.bank/reusable-documents/disclosure-documents/account-and-access-facility-conditions-of-use/","record_stale":false,"record_correction":null,"rate_kind":"variable","lending_rate_type":"VARIABLE","fixed_months":null,"kind":"variable","purpose":"investment","repayment":"interest_only","rate":0.0709,"rate_pct":7.09,"comparison_rate":0.0713,"comparison_rate_pct":7.13,"lvr_min":0.0,"lvr_max":90.0,"lvr_source":"product","loan_min":null,"loan_max":null,"interest_in_advance":false,"offset":true,"redraw":true,"annual_fee":null,"upfront_fees":null,"exit_fees":300.0,"revert_rate":null,"revert_rate_basis":null,"comparison_check":{"ok":true,"ours_at_150k":7.09,"bank":7.13},"restrictions":[],"eligibility":null,"ranked":true,"conditions":["new and refinance loans; existing borrowers only with a $50,000 top-up on a $250,000+ loan","adding the offset account raises the rate by 0.10%"],"additional_info":"Comparison rate based on $150,000 loan over 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.","source_url":"https://ibank.unity.bank/OpenBanking/cds-au/v1/banking/products/L34_ADVL_INV_IntVs012_WO","source_snapshot":"/au/finance/home-loans/v1/source/unity-bank/L34_ADVL_INV_IntVs012_WO.json","bank_last_updated":"2026-11-06T11:16:57.000+11:00"},
    {"brand":"Unity Bank","brand_label":"Unity Bank","brand_slug":"unity-bank","legal_entity_abn":"72087650637","product_id":"L34_ADVL_INV_PRIN_WO","product_name":"Advantage Home Loan - Investment - Variable P&I - With Offset","product_label":"Advantage Home Loan - Investment - Variable P&I - With Offset","product_url":"https://www.unity.bank/home-loans/invest-in-property/advantage-home-loan-property-investor/","terms_url":"https://www.unity.bank/reusable-documents/disclosure-documents/account-and-access-facility-conditions-of-use/","record_stale":false,"record_correction":null,"rate_kind":"variable","lending_rate_type":"VARIABLE","fixed_months":null,"kind":"variable","purpose":"investment","repayment":"principal_and_interest","rate":0.0689,"rate_pct":6.89,"comparison_rate":0.0694,"comparison_rate_pct":6.94,"lvr_min":0.0,"lvr_max":90.0,"lvr_source":"product","loan_min":null,"loan_max":null,"interest_in_advance":false,"offset":true,"redraw":true,"annual_fee":null,"upfront_fees":null,"exit_fees":300.0,"revert_rate":null,"revert_rate_basis":null,"comparison_check":{"ok":true,"ours_at_150k":6.89,"bank":6.94},"restrictions":[],"eligibility":null,"ranked":true,"conditions":["new and refinance loans; existing borrowers only with a $50,000 top-up on a $250,000+ loan","adding the offset account raises the rate by 0.10%"],"additional_info":"Comparison rate based on $150,000 loan over 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.","source_url":"https://ibank.unity.bank/OpenBanking/cds-au/v1/banking/products/L34_ADVL_INV_PRIN_WO","source_snapshot":"/au/finance/home-loans/v1/source/unity-bank/L34_ADVL_INV_PRIN_WO.json","bank_last_updated":"2026-11-06T11:16:57.000+11:00"},
    {"brand":"Unity Bank","brand_label":"Unity Bank","brand_slug":"unity-bank","legal_entity_abn":"72087650637","product_id":"L34_ADVL_INV_PRIN_WOO","product_name":"Advantage Home Loan - Investment - Variable P&I - Without Offset","product_label":"Advantage Home Loan - Investment - Variable P&I - Without Offset","product_url":"https://www.unity.bank/home-loans/invest-in-property/advantage-home-loan-property-investor/","terms_url":"https://www.unity.bank/reusable-documents/disclosure-documents/account-and-access-facility-conditions-of-use/","record_stale":false,"record_correction":null,"rate_kind":"variable","lending_rate_type":"VARIABLE","fixed_months":null,"kind":"variable","purpose":"investment","repayment":"principal_and_interest","rate":0.0679,"rate_pct":6.79,"comparison_rate":0.0684,"comparison_rate_pct":6.84,"lvr_min":0.0,"lvr_max":90.0,"lvr_source":"product","loan_min":null,"loan_max":null,"interest_in_advance":false,"offset":false,"redraw":true,"annual_fee":null,"upfront_fees":null,"exit_fees":300.0,"revert_rate":null,"revert_rate_basis":null,"comparison_check":{"ok":true,"ours_at_150k":6.79,"bank":6.84},"restrictions":[],"eligibility":null,"ranked":true,"conditions":["new and refinance loans; existing borrowers only with a $50,000 top-up on a $250,000+ loan"],"additional_info":"Comparison rate based on $150,000 loan over 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.","source_url":"https://ibank.unity.bank/OpenBanking/cds-au/v1/banking/products/L34_ADVL_INV_PRIN_WOO","source_snapshot":"/au/finance/home-loans/v1/source/unity-bank/L34_ADVL_INV_PRIN_WOO.json","bank_last_updated":"2026-11-06T11:10:22.000+11:00"},
    {"brand":"Unity Bank","brand_label":"Unity Bank","brand_slug":"unity-bank","legal_entity_abn":"72087650637","product_id":"L34_ADVL_OO_PRIN_WO","product_name":"Advantage Home Loan - Owner Occupied - Variable P&I - With Offset","product_label":"Advantage Home Loan - Owner Occupied - Variable P&I - With Offset","product_url":"https://www.unity.bank/home-loans/buy-or-refinance/advantage-home-loan/","terms_url":"https://www.unity.bank/reusable-documents/disclosure-documents/account-and-access-facility-conditions-of-use/","record_stale":false,"record_correction":null,"rate_kind":"variable","lending_rate_type":"VARIABLE","fixed_months":null,"kind":"variable","purpose":"owner_occupied","repayment":"principal_and_interest","rate":0.0669,"rate_pct":6.69,"comparison_rate":0.0674,"comparison_rate_pct":6.74,"lvr_min":0.0,"lvr_max":95.0,"lvr_source":"product","loan_min":null,"loan_max":null,"interest_in_advance":false,"offset":true,"redraw":true,"annual_fee":null,"upfront_fees":null,"exit_fees":300.0,"revert_rate":null,"revert_rate_basis":null,"comparison_check":{"ok":true,"ours_at_150k":6.69,"bank":6.74},"restrictions":[],"eligibility":null,"ranked":true,"conditions":["new and refinance loans; existing borrowers only with a $50,000 top-up on a $250,000+ loan","adding the offset account raises the rate by 0.10%"],"additional_info":"Comparison rate based on $150,000 loan over 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.","source_url":"https://ibank.unity.bank/OpenBanking/cds-au/v1/banking/products/L34_ADVL_OO_PRIN_WO","source_snapshot":"/au/finance/home-loans/v1/source/unity-bank/L34_ADVL_OO_PRIN_WO.json","bank_last_updated":"2026-11-06T11:16:57.000+11:00"},
    {"brand":"Unity Bank","brand_label":"Unity Bank","brand_slug":"unity-bank","legal_entity_abn":"72087650637","product_id":"L34_ADVL_OO_PRIN_WOO","product_name":"Advantage Home Loan - Owner Occupied - Variable P&I - Without Offset","product_label":"Advantage Home Loan - Owner Occupied - Variable P&I - Without Offset","product_url":"https://www.unity.bank/home-loans/buy-or-refinance/advantage-home-loan/","terms_url":"https://www.unity.bank/reusable-documents/disclosure-documents/account-and-access-facility-conditions-of-use/","record_stale":false,"record_correction":null,"rate_kind":"variable","lending_rate_type":"VARIABLE","fixed_months":null,"kind":"variable","purpose":"owner_occupied","repayment":"principal_and_interest","rate":0.0659,"rate_pct":6.59,"comparison_rate":0.0664,"comparison_rate_pct":6.64,"lvr_min":0.0,"lvr_max":95.0,"lvr_source":"product","loan_min":null,"loan_max":null,"interest_in_advance":false,"offset":false,"redraw":true,"annual_fee":null,"upfront_fees":null,"exit_fees":300.0,"revert_rate":null,"revert_rate_basis":null,"comparison_check":{"ok":true,"ours_at_150k":6.59,"bank":6.64},"restrictions":[],"eligibility":null,"ranked":true,"conditions":["new and refinance loans; existing borrowers only with a $50,000 top-up on a $250,000+ loan"],"additional_info":"Comparison rate based on $150,000 loan over 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.","source_url":"https://ibank.unity.bank/OpenBanking/cds-au/v1/banking/products/L34_ADVL_OO_PRIN_WOO","source_snapshot":"/au/finance/home-loans/v1/source/unity-bank/L34_ADVL_OO_PRIN_WOO.json","bank_last_updated":"2026-11-06T11:10:22.000+11:00"},
    {"brand":"Unity Bank","brand_label":"Unity Bank","brand_slug":"unity-bank","legal_entity_abn":"72087650637","product_id":"L34_ADVL_INV_IntVs012_WOO","product_name":"Advantage Home Loan- Investment - Variable - Interest Only - Without Offset","product_label":"Advantage Home Loan- Investment - Variable - Interest Only - Without Offset","product_url":"https://www.unity.bank/home-loans/invest-in-property/advantage-home-loan-property-investor/","terms_url":"https://www.unity.bank/reusable-documents/disclosure-documents/account-and-access-facility-conditions-of-use/","record_stale":false,"record_correction":null,"rate_kind":"variable","lending_rate_type":"VARIABLE","fixed_months":null,"kind":"variable","purpose":"investment","repayment":"interest_only","rate":0.0699,"rate_pct":6.99,"comparison_rate":0.0703,"comparison_rate_pct":7.03,"lvr_min":0.0,"lvr_max":90.0,"lvr_source":"product","loan_min":null,"loan_max":null,"interest_in_advance":false,"offset":false,"redraw":true,"annual_fee":null,"upfront_fees":null,"exit_fees":300.0,"revert_rate":null,"revert_rate_basis":null,"comparison_check":{"ok":true,"ours_at_150k":6.99,"bank":7.03},"restrictions":[],"eligibility":null,"ranked":true,"conditions":["new and refinance loans; existing borrowers only with a $50,000 top-up on a $250,000+ loan"],"additional_info":"Comparison rate based on $150,000 loan over 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.","source_url":"https://ibank.unity.bank/OpenBanking/cds-au/v1/banking/products/L34_ADVL_INV_IntVs012_WOO","source_snapshot":"/au/finance/home-loans/v1/source/unity-bank/L34_ADVL_INV_IntVs012_WOO.json","bank_last_updated":"2026-11-06T11:10:22.000+11:00"},
    {"brand":"Unity Bank","brand_label":"Unity Bank","brand_slug":"unity-bank","legal_entity_abn":"72087650637","product_id":"L34_ADVL_OO_IntVs012_WO","product_name":"Advantage Home Loan- Owner Occupied - Variable - Interest Only - With Offset","product_label":"Advantage Home Loan- Owner Occupied - Variable - Interest Only - With Offset","product_url":"https://www.unity.bank/home-loans/buy-or-refinance/advantage-home-loan/","terms_url":"https://www.unity.bank/reusable-documents/disclosure-documents/account-and-access-facility-conditions-of-use/","record_stale":false,"record_correction":null,"rate_kind":"variable","lending_rate_type":"VARIABLE","fixed_months":null,"kind":"variable","purpose":"owner_occupied","repayment":"interest_only","rate":0.0689,"rate_pct":6.89,"comparison_rate":0.0693,"comparison_rate_pct":6.93,"lvr_min":0.0,"lvr_max":95.0,"lvr_source":"product","loan_min":null,"loan_max":null,"interest_in_advance":false,"offset":true,"redraw":true,"annual_fee":null,"upfront_fees":null,"exit_fees":300.0,"revert_rate":null,"revert_rate_basis":null,"comparison_check":{"ok":true,"ours_at_150k":6.89,"bank":6.93},"restrictions":[],"eligibility":null,"ranked":true,"conditions":["new and refinance loans; existing borrowers only with a $50,000 top-up on a $250,000+ loan","adding the offset account raises the rate by 0.10%"],"additional_info":"Comparison rate based on $150,000 loan over 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.","source_url":"https://ibank.unity.bank/OpenBanking/cds-au/v1/banking/products/L34_ADVL_OO_IntVs012_WO","source_snapshot":"/au/finance/home-loans/v1/source/unity-bank/L34_ADVL_OO_IntVs012_WO.json","bank_last_updated":"2026-11-06T11:16:57.000+11:00"},
    {"brand":"Unity Bank","brand_label":"Unity Bank","brand_slug":"unity-bank","legal_entity_abn":"72087650637","product_id":"L34_ADVL_OO_IntVs012_WOO","product_name":"Advantage Home Loan- Owner Occupied - Variable - Interest Only - Without Offset","product_label":"Advantage Home Loan- Owner Occupied - Variable - Interest Only - Without Offset","product_url":"https://www.unity.bank/home-loans/buy-or-refinance/advantage-home-loan/","terms_url":"https://www.unity.bank/reusable-documents/disclosure-documents/account-and-access-facility-conditions-of-use/","record_stale":false,"record_correction":null,"rate_kind":"variable","lending_rate_type":"VARIABLE","fixed_months":null,"kind":"variable","purpose":"owner_occupied","repayment":"interest_only","rate":0.0679,"rate_pct":6.79,"comparison_rate":0.0683,"comparison_rate_pct":6.83,"lvr_min":0.0,"lvr_max":95.0,"lvr_source":"product","loan_min":null,"loan_max":null,"interest_in_advance":false,"offset":false,"redraw":true,"annual_fee":null,"upfront_fees":null,"exit_fees":300.0,"revert_rate":null,"revert_rate_basis":null,"comparison_check":{"ok":true,"ours_at_150k":6.79,"bank":6.83},"restrictions":[],"eligibility":null,"ranked":true,"conditions":["new and refinance loans; existing borrowers only with a $50,000 top-up on a $250,000+ loan"],"additional_info":"Comparison rate based on $150,000 loan over 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.","source_url":"https://ibank.unity.bank/OpenBanking/cds-au/v1/banking/products/L34_ADVL_OO_IntVs012_WOO","source_snapshot":"/au/finance/home-loans/v1/source/unity-bank/L34_ADVL_OO_IntVs012_WOO.json","bank_last_updated":"2026-11-06T11:10:22.000+11:00"},
    {"brand":"Unity Bank","brand_label":"Unity Bank","brand_slug":"unity-bank","legal_entity_abn":"72087650637","product_id":"L25_HGS_OO_PRIN","product_name":"Australian Government 5% Deposit Scheme","product_label":"Australian Government 5% Deposit Scheme","product_url":"https://www.unity.bank/home-loans/buy-or-refinance/first-home-buyer-loan/","terms_url":"https://www.unity.bank/reusable-documents/disclosure-documents/account-and-access-facility-conditions-of-use/","record_stale":false,"record_correction":null,"rate_kind":"variable","lending_rate_type":"VARIABLE","fixed_months":null,"kind":"variable","purpose":"owner_occupied","repayment":"principal_and_interest","rate":0.064,"rate_pct":6.4,"comparison_rate":0.0645,"comparison_rate_pct":6.45,"lvr_min":0.0,"lvr_max":95.0,"lvr_source":"product","loan_min":null,"loan_max":null,"interest_in_advance":false,"offset":true,"redraw":true,"annual_fee":null,"upfront_fees":null,"exit_fees":300.0,"revert_rate":null,"revert_rate_basis":null,"comparison_check":null,"restrictions":["first_home_buyer"],"eligibility":null,"ranked":false,"conditions":["first home buyers or a government scheme only"],"additional_info":"Comparison rate based on $150,000 loan over 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.","source_url":"https://ibank.unity.bank/OpenBanking/cds-au/v1/banking/products/L25_HGS_OO_PRIN","source_snapshot":"/au/finance/home-loans/v1/source/unity-bank/L25_HGS_OO_PRIN.json","bank_last_updated":"2026-11-06T10:35:20.000+11:00"},
    {"brand":"Unity Bank","brand_label":"Unity Bank","brand_slug":"unity-bank","legal_entity_abn":"72087650637","product_id":"L32_IOBRIDG_INV_INTVS012","product_name":"Bridging Loan - Investor","product_label":"Bridging Loan - Investor","product_url":"https://www.unity.bank/home-loans/invest-in-property/bridging-loan-property-investor/","terms_url":"https://www.unity.bank/reusable-documents/disclosure-documents/account-and-access-facility-conditions-of-use/","record_stale":false,"record_correction":null,"rate_kind":"variable","lending_rate_type":"VARIABLE","fixed_months":null,"kind":"variable","purpose":"investment","repayment":"interest_only","rate":0.0935,"rate_pct":9.35,"comparison_rate":0.0945,"comparison_rate_pct":9.45,"lvr_min":0.0,"lvr_max":75.0,"lvr_source":"product","loan_min":null,"loan_max":null,"interest_in_advance":false,"offset":false,"redraw":true,"annual_fee":null,"upfront_fees":900.0,"exit_fees":null,"revert_rate":null,"revert_rate_basis":null,"comparison_check":null,"restrictions":["bridging"],"eligibility":null,"ranked":false,"conditions":["bridging loan"],"additional_info":"Comparison rate based on $150,000 loan over 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.","source_url":"https://ibank.unity.bank/OpenBanking/cds-au/v1/banking/products/L32_IOBRIDG_INV_INTVS012","source_snapshot":"/au/finance/home-loans/v1/source/unity-bank/L32_IOBRIDG_INV_INTVS012.json","bank_last_updated":"2026-11-06T10:11:40.000+11:00"},
    {"brand":"Unity Bank","brand_label":"Unity Bank","brand_slug":"unity-bank","legal_entity_abn":"72087650637","product_id":"L32_IOBRIDG_OCC_INTVS012","product_name":"Bridging Loan - Owner Occupied","product_label":"Bridging Loan - Owner Occupied","product_url":"https://www.unity.bank/home-loans/buy-or-refinance/bridging-loan/","terms_url":"https://www.unity.bank/reusable-documents/disclosure-documents/account-and-access-facility-conditions-of-use/","record_stale":false,"record_correction":null,"rate_kind":"variable","lending_rate_type":"VARIABLE","fixed_months":null,"kind":"variable","purpose":"owner_occupied","repayment":"interest_only","rate":0.0885,"rate_pct":8.85,"comparison_rate":0.0895,"comparison_rate_pct":8.95,"lvr_min":0.0,"lvr_max":75.0,"lvr_source":"product","loan_min":null,"loan_max":null,"interest_in_advance":false,"offset":false,"redraw":true,"annual_fee":null,"upfront_fees":900.0,"exit_fees":null,"revert_rate":null,"revert_rate_basis":null,"comparison_check":null,"restrictions":["bridging"],"eligibility":null,"ranked":false,"conditions":["bridging loan"],"additional_info":"Comparison rate based on $150,000 loan over 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.","source_url":"https://ibank.unity.bank/OpenBanking/cds-au/v1/banking/products/L32_IOBRIDG_OCC_INTVS012","source_snapshot":"/au/finance/home-loans/v1/source/unity-bank/L32_IOBRIDG_OCC_INTVS012.json","bank_last_updated":"2026-11-06T10:11:02.000+11:00"},
    {"brand":"Unity Bank","brand_label":"Unity Bank","brand_slug":"unity-bank","legal_entity_abn":"72087650637","product_id":"L35_EW_OCC_PRIN","product_name":"Essential Worker Home Loan - Owner Occupier","product_label":"Essential Worker Home Loan - Owner Occupier","product_url":"https://www.unity.bank/home-loans/buy-or-refinance/essential-worker-home-loan/","terms_url":"https://www.unity.bank/reusable-documents/disclosure-documents/account-and-access-facility-conditions-of-use/","record_stale":false,"record_correction":null,"rate_kind":"variable","lending_rate_type":"VARIABLE","fixed_months":null,"kind":"variable","purpose":"owner_occupied","repayment":"principal_and_interest","rate":0.063,"rate_pct":6.3,"comparison_rate":0.0635,"comparison_rate_pct":6.35,"lvr_min":0.0,"lvr_max":95.0,"lvr_source":"product","loan_min":null,"loan_max":null,"interest_in_advance":false,"offset":true,"redraw":true,"annual_fee":null,"upfront_fees":null,"exit_fees":300.0,"revert_rate":null,"revert_rate_basis":null,"comparison_check":null,"restrictions":["profession"],"eligibility":null,"ranked":false,"conditions":["for a named profession only","new security or new refinance applications only; not existing Unity Bank loans or Government Scheme loans"],"additional_info":"Comparison rate based on $150,000 loan over 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.","source_url":"https://ibank.unity.bank/OpenBanking/cds-au/v1/banking/products/L35_EW_OCC_PRIN","source_snapshot":"/au/finance/home-loans/v1/source/unity-bank/L35_EW_OCC_PRIN.json","bank_last_updated":"2026-11-06T23:09:26.000+11:00"},
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    {"brand":"Unity Bank","brand_label":"Unity Bank","brand_slug":"unity-bank","legal_entity_abn":"72087650637","product_id":"L27_FIXIO1-5_OCC_INTVSO12","product_name":"Fixed Rate Home Loan - Owner Occupier - I/O - 12 mths","product_label":"Fixed Rate Home Loan - Owner Occupier - I/O - 12 Mths","product_url":"https://www.unity.bank/home-loans/buy-or-refinance/fixed-rate-home-loan/","terms_url":"https://www.unity.bank/reusable-documents/disclosure-documents/account-and-access-facility-conditions-of-use/","record_stale":true,"record_correction":null,"rate_kind":"fixed","lending_rate_type":"FIXED","fixed_months":12,"kind":"fixed_1","purpose":"owner_occupied","repayment":"interest_only","rate":0.0665,"rate_pct":6.65,"comparison_rate":0.0674,"comparison_rate_pct":6.74,"lvr_min":0.0,"lvr_max":95.0,"lvr_source":"product","loan_min":null,"loan_max":null,"interest_in_advance":false,"offset":false,"redraw":true,"annual_fee":null,"upfront_fees":900.0,"exit_fees":300.0,"revert_rate":null,"revert_rate_basis":null,"comparison_check":{"ok":false,"ours_at_150k":null,"bank":6.74,"reason":"revert rate not published"},"restrictions":[],"eligibility":null,"ranked":true,"conditions":["not updated by the bank since 2026-10-06, before the Reserve Bank's cash rate rise of 4 November 2026; check its page, as the rate may have changed","rolls over to a new fixed term of the same length unless you choose otherwise"],"additional_info":"Comparison rate based on $150,000 loan over 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.","source_url":"https://ibank.unity.bank/OpenBanking/cds-au/v1/banking/products/L27_FIXIO1-5_OCC_INTVSO12","source_snapshot":"/au/finance/home-loans/v1/source/unity-bank/L27_FIXIO1-5_OCC_INTVSO12.json","bank_last_updated":"2026-10-06T15:50:26.000+11:00"},
    {"brand":"Unity Bank","brand_label":"Unity Bank","brand_slug":"unity-bank","legal_entity_abn":"72087650637","product_id":"L27_FIXIO1-5_OCC_INTVSO24","product_name":"Fixed Rate Home Loan - Owner Occupier - I/O - 24 mths","product_label":"Fixed Rate Home Loan - Owner Occupier - I/O - 24 Mths","product_url":"https://www.unity.bank/home-loans/buy-or-refinance/fixed-rate-home-loan/","terms_url":"https://www.unity.bank/reusable-documents/disclosure-documents/account-and-access-facility-conditions-of-use/","record_stale":true,"record_correction":null,"rate_kind":"fixed","lending_rate_type":"FIXED","fixed_months":24,"kind":"fixed_2","purpose":"owner_occupied","repayment":"interest_only","rate":0.0665,"rate_pct":6.65,"comparison_rate":0.0674,"comparison_rate_pct":6.74,"lvr_min":0.0,"lvr_max":95.0,"lvr_source":"product","loan_min":null,"loan_max":null,"interest_in_advance":false,"offset":false,"redraw":true,"annual_fee":null,"upfront_fees":900.0,"exit_fees":300.0,"revert_rate":null,"revert_rate_basis":null,"comparison_check":{"ok":false,"ours_at_150k":null,"bank":6.74,"reason":"revert rate not published"},"restrictions":[],"eligibility":null,"ranked":true,"conditions":["not updated by the bank since 2026-10-06, before the Reserve Bank's cash rate rise of 4 November 2026; check its page, as the rate may have changed","rolls over to a new fixed term of the same length unless you choose otherwise"],"additional_info":"Comparison rate based on $150,000 loan over 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.","source_url":"https://ibank.unity.bank/OpenBanking/cds-au/v1/banking/products/L27_FIXIO1-5_OCC_INTVSO24","source_snapshot":"/au/finance/home-loans/v1/source/unity-bank/L27_FIXIO1-5_OCC_INTVSO24.json","bank_last_updated":"2026-10-06T15:50:53.000+11:00"},
    {"brand":"Unity Bank","brand_label":"Unity Bank","brand_slug":"unity-bank","legal_entity_abn":"72087650637","product_id":"L27_FIXIO1-5_OCC_INTVSO36","product_name":"Fixed Rate Home Loan - Owner Occupier - I/O - 36 mths","product_label":"Fixed Rate Home Loan - Owner Occupier - I/O - 36 Mths","product_url":"https://www.unity.bank/home-loans/buy-or-refinance/fixed-rate-home-loan/","terms_url":"https://www.unity.bank/reusable-documents/disclosure-documents/account-and-access-facility-conditions-of-use/","record_stale":true,"record_correction":null,"rate_kind":"fixed","lending_rate_type":"FIXED","fixed_months":36,"kind":"fixed_3","purpose":"owner_occupied","repayment":"interest_only","rate":0.0665,"rate_pct":6.65,"comparison_rate":0.0674,"comparison_rate_pct":6.74,"lvr_min":0.0,"lvr_max":95.0,"lvr_source":"product","loan_min":null,"loan_max":null,"interest_in_advance":false,"offset":false,"redraw":true,"annual_fee":null,"upfront_fees":900.0,"exit_fees":300.0,"revert_rate":null,"revert_rate_basis":null,"comparison_check":{"ok":false,"ours_at_150k":null,"bank":6.74,"reason":"revert rate not published"},"restrictions":[],"eligibility":null,"ranked":true,"conditions":["not updated by the bank since 2026-10-06, before the Reserve Bank's cash rate rise of 4 November 2026; check its page, as the rate may have changed","rolls over to a new fixed term of the same length unless you choose otherwise"],"additional_info":"Comparison rate based on $150,000 loan over 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.","source_url":"https://ibank.unity.bank/OpenBanking/cds-au/v1/banking/products/L27_FIXIO1-5_OCC_INTVSO36","source_snapshot":"/au/finance/home-loans/v1/source/unity-bank/L27_FIXIO1-5_OCC_INTVSO36.json","bank_last_updated":"2026-10-06T15:51:22.000+11:00"},
    {"brand":"Unity Bank","brand_label":"Unity Bank","brand_slug":"unity-bank","legal_entity_abn":"72087650637","product_id":"L27_FIXIO1-5_OCC_INTVSO48","product_name":"Fixed Rate Home Loan - Owner Occupier - I/O - 48 mths","product_label":"Fixed Rate Home Loan - Owner Occupier - I/O - 48 Mths","product_url":"https://www.unity.bank/home-loans/buy-or-refinance/fixed-rate-home-loan/","terms_url":"https://www.unity.bank/reusable-documents/disclosure-documents/account-and-access-facility-conditions-of-use/","record_stale":true,"record_correction":null,"rate_kind":"fixed","lending_rate_type":"FIXED","fixed_months":48,"kind":"fixed_4","purpose":"owner_occupied","repayment":"interest_only","rate":0.068,"rate_pct":6.8,"comparison_rate":0.0689,"comparison_rate_pct":6.89,"lvr_min":0.0,"lvr_max":95.0,"lvr_source":"product","loan_min":null,"loan_max":null,"interest_in_advance":false,"offset":false,"redraw":true,"annual_fee":null,"upfront_fees":900.0,"exit_fees":300.0,"revert_rate":null,"revert_rate_basis":null,"comparison_check":{"ok":false,"ours_at_150k":null,"bank":6.89,"reason":"revert rate not published"},"restrictions":[],"eligibility":null,"ranked":true,"conditions":["not updated by the bank since 2026-10-06, before the Reserve Bank's cash rate rise of 4 November 2026; check its page, as the rate may have changed","rolls over to a new fixed term of the same length unless you choose otherwise"],"additional_info":"Comparison rate based on $150,000 loan over 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.","source_url":"https://ibank.unity.bank/OpenBanking/cds-au/v1/banking/products/L27_FIXIO1-5_OCC_INTVSO48","source_snapshot":"/au/finance/home-loans/v1/source/unity-bank/L27_FIXIO1-5_OCC_INTVSO48.json","bank_last_updated":"2026-10-06T15:51:48.000+11:00"},
    {"brand":"Unity Bank","brand_label":"Unity Bank","brand_slug":"unity-bank","legal_entity_abn":"72087650637","product_id":"L27_FIXIO1-5_OCC_INTVSO60","product_name":"Fixed Rate Home Loan - Owner Occupier - I/O - 60 mths","product_label":"Fixed Rate Home Loan - Owner Occupier - I/O - 60 Mths","product_url":"https://www.unity.bank/home-loans/buy-or-refinance/fixed-rate-home-loan/","terms_url":"https://www.unity.bank/reusable-documents/disclosure-documents/account-and-access-facility-conditions-of-use/","record_stale":false,"record_correction":null,"rate_kind":"fixed","lending_rate_type":"FIXED","fixed_months":60,"kind":"fixed_5","purpose":"owner_occupied","repayment":"interest_only","rate":0.068,"rate_pct":6.8,"comparison_rate":0.0689,"comparison_rate_pct":6.89,"lvr_min":0.0,"lvr_max":95.0,"lvr_source":"product","loan_min":null,"loan_max":null,"interest_in_advance":false,"offset":false,"redraw":true,"annual_fee":null,"upfront_fees":900.0,"exit_fees":300.0,"revert_rate":null,"revert_rate_basis":null,"comparison_check":{"ok":false,"ours_at_150k":null,"bank":6.89,"reason":"revert rate not published"},"restrictions":[],"eligibility":null,"ranked":true,"conditions":["rolls over to a new fixed term of the same length unless you choose otherwise"],"additional_info":"Comparison rate based on $150,000 loan over 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.","source_url":"https://ibank.unity.bank/OpenBanking/cds-au/v1/banking/products/L27_FIXIO1-5_OCC_INTVSO60","source_snapshot":"/au/finance/home-loans/v1/source/unity-bank/L27_FIXIO1-5_OCC_INTVSO60.json","bank_last_updated":"2026-11-12T09:27:02.000+11:00"},
    {"brand":"Unity Bank","brand_label":"Unity Bank","brand_slug":"unity-bank","legal_entity_abn":"72087650637","product_id":"L27_FIXINT1-5_OCC_PRINSO12","product_name":"Fixed Rate Home Loan - Owner Occupier - P&I - 12 mths","product_label":"Fixed Rate Home Loan - Owner Occupier - P&I - 12 Mths","product_url":"https://www.unity.bank/home-loans/buy-or-refinance/fixed-rate-home-loan/","terms_url":"https://www.unity.bank/reusable-documents/disclosure-documents/account-and-access-facility-conditions-of-use/","record_stale":true,"record_correction":null,"rate_kind":"fixed","lending_rate_type":"FIXED","fixed_months":12,"kind":"fixed_1","purpose":"owner_occupied","repayment":"principal_and_interest","rate":0.065,"rate_pct":6.5,"comparison_rate":0.0659,"comparison_rate_pct":6.59,"lvr_min":0.0,"lvr_max":95.0,"lvr_source":"product","loan_min":null,"loan_max":null,"interest_in_advance":false,"offset":false,"redraw":true,"annual_fee":null,"upfront_fees":900.0,"exit_fees":300.0,"revert_rate":null,"revert_rate_basis":null,"comparison_check":{"ok":false,"ours_at_150k":null,"bank":6.59,"reason":"no variable rate reproduces the bank's figure"},"restrictions":[],"eligibility":null,"ranked":true,"conditions":["not updated by the bank since 2026-10-06, before the Reserve Bank's cash rate rise of 4 November 2026; check its page, as the rate may have changed","rolls over to a new fixed term of the same length unless you choose otherwise"],"additional_info":"Comparison rate based on $150,000 loan over 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.","source_url":"https://ibank.unity.bank/OpenBanking/cds-au/v1/banking/products/L27_FIXINT1-5_OCC_PRINSO12","source_snapshot":"/au/finance/home-loans/v1/source/unity-bank/L27_FIXINT1-5_OCC_PRINSO12.json","bank_last_updated":"2026-10-06T15:46:42.000+11:00"},
    {"brand":"Unity Bank","brand_label":"Unity Bank","brand_slug":"unity-bank","legal_entity_abn":"72087650637","product_id":"L27_FIXINT1-5_OCC_PRINSO24","product_name":"Fixed Rate Home Loan - Owner Occupier - P&I - 24 mths","product_label":"Fixed Rate Home Loan - Owner Occupier - P&I - 24 Mths","product_url":"https://www.unity.bank/home-loans/buy-or-refinance/fixed-rate-home-loan/","terms_url":"https://www.unity.bank/reusable-documents/disclosure-documents/account-and-access-facility-conditions-of-use/","record_stale":true,"record_correction":null,"rate_kind":"fixed","lending_rate_type":"FIXED","fixed_months":24,"kind":"fixed_2","purpose":"owner_occupied","repayment":"principal_and_interest","rate":0.0635,"rate_pct":6.35,"comparison_rate":0.0644,"comparison_rate_pct":6.44,"lvr_min":0.0,"lvr_max":95.0,"lvr_source":"product","loan_min":null,"loan_max":null,"interest_in_advance":false,"offset":false,"redraw":true,"annual_fee":null,"upfront_fees":900.0,"exit_fees":300.0,"revert_rate":null,"revert_rate_basis":null,"comparison_check":{"ok":false,"ours_at_150k":null,"bank":6.44,"reason":"revert rate ambiguous"},"restrictions":[],"eligibility":null,"ranked":true,"conditions":["not updated by the bank since 2026-10-15, before the Reserve Bank's cash rate rise of 4 November 2026; check its page, as the rate may have changed","rolls over to a new fixed term of the same length unless you choose otherwise"],"additional_info":"Comparison rate based on $150,000 loan over 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.","source_url":"https://ibank.unity.bank/OpenBanking/cds-au/v1/banking/products/L27_FIXINT1-5_OCC_PRINSO24","source_snapshot":"/au/finance/home-loans/v1/source/unity-bank/L27_FIXINT1-5_OCC_PRINSO24.json","bank_last_updated":"2026-10-15T09:05:55.000+11:00"},
    {"brand":"Unity Bank","brand_label":"Unity Bank","brand_slug":"unity-bank","legal_entity_abn":"72087650637","product_id":"L27_FIXINT1-5_OCC_PRINSO36","product_name":"Fixed Rate Home Loan - Owner Occupier - P&I - 36 mths","product_label":"Fixed Rate Home Loan - Owner Occupier - P&I - 36 Mths","product_url":"https://www.unity.bank/home-loans/buy-or-refinance/fixed-rate-home-loan/","terms_url":"https://www.unity.bank/reusable-documents/disclosure-documents/account-and-access-facility-conditions-of-use/","record_stale":false,"record_correction":null,"rate_kind":"fixed","lending_rate_type":"FIXED","fixed_months":36,"kind":"fixed_3","purpose":"owner_occupied","repayment":"principal_and_interest","rate":0.0635,"rate_pct":6.35,"comparison_rate":0.0644,"comparison_rate_pct":6.44,"lvr_min":0.0,"lvr_max":95.0,"lvr_source":"product","loan_min":null,"loan_max":null,"interest_in_advance":false,"offset":false,"redraw":true,"annual_fee":null,"upfront_fees":900.0,"exit_fees":300.0,"revert_rate":null,"revert_rate_basis":null,"comparison_check":{"ok":false,"ours_at_150k":null,"bank":6.44,"reason":"revert rate ambiguous"},"restrictions":[],"eligibility":null,"ranked":true,"conditions":["rolls over to a new fixed term of the same length unless you choose otherwise"],"additional_info":"Comparison rate based on $150,000 loan over 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.","source_url":"https://ibank.unity.bank/OpenBanking/cds-au/v1/banking/products/L27_FIXINT1-5_OCC_PRINSO36","source_snapshot":"/au/finance/home-loans/v1/source/unity-bank/L27_FIXINT1-5_OCC_PRINSO36.json","bank_last_updated":"2026-11-12T09:20:13.000+11:00"},
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