{
  "snapshot_at": "2026-11-13T01:20:59Z",
  "brand": "bankWAW",
  "brand_slug": "bankwaw",
  "product_id": "L6_OOCC",
  "cdr_url": "https://onlinebanking.wawcu.com.au/OpenBanking/cds-au/v1/banking/products/L6_OOCC",
  "x_v": 7,
  "how_to_fetch": "curl -H 'x-v: 7' 'https://onlinebanking.wawcu.com.au/OpenBanking/cds-au/v1/banking/products/L6_OOCC'",
  "note": "Verbatim `data` object of the bank's CDR product detail response, as fetched. The live endpoint needs the x-v header shown in how_to_fetch and will not open in a browser.",
  "data": {
    "features": [
      {
        "featureType": "REDRAW"
      },
      {
        "featureType": "EXTRA_REPAYMENTS"
      }
    ],
    "constraints": [
      {
        "constraintType": "MIN_LIMIT",
        "additionalValue": "45000.00"
      },
      {
        "constraintType": "MAX_LIMIT",
        "additionalValue": "3500000.00"
      }
    ],
    "eligibility": [
      {
        "eligibilityType": "MIN_AGE",
        "additionalValue": "18"
      }
    ],
    "fees": [
      {
        "name": "HOME_LOAN_APPLICATION_FEE_-_NEW_APPLICATIONS",
        "feeType": "EVENT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "600.00"
        },
        "currency": "AUD",
        "additionalInfoUri": "https://www.bankwaw.com.au/Support/Disclosure-Documents/Loan_Fees_-Charges"
      },
      {
        "name": "LOAN_DISCHARGE_FEE_____REGISTRATION_OR_SETTLEMENT",
        "feeType": "EVENT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "250.00"
        },
        "currency": "AUD",
        "additionalInfo": "Plus out of pocket expenses",
        "additionalInfoUri": "https://www.bankwaw.com.au/Support/Disclosure-Documents/Loan_Fees_-Charges"
      },
      {
        "name": "HOME_LOAN_TOP_UP_FEE_____EXISTING_LOAN",
        "feeType": "EVENT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "300.00"
        },
        "currency": "AUD",
        "additionalInfoUri": "https://www.bankwaw.com.au/Support/Disclosure-Documents/Loan_Fees_-Charges"
      },
      {
        "name": "LOAN_REDRAW_FACILITY_FEE_ONLINE",
        "feeType": "TRANSACTION",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "10.00"
        },
        "currency": "AUD",
        "additionalInfoUri": "https://www.bankwaw.com.au/Support/Disclosure-Documents/Loan_Fees_-Charges"
      },
      {
        "name": "LOAN_REDRAW_FACILITY_FEE_OVER_COUNTER",
        "feeType": "TRANSACTION",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "20.00"
        },
        "currency": "AUD",
        "additionalInfoUri": "https://www.bankwaw.com.au/Support/Disclosure-Documents/Loan_Fees_-Charges"
      },
      {
        "name": "LOAN_SUBSTITUTION_OF_PROPERTY_MORTGAGE_FEE",
        "feeType": "UPFRONT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "300.00"
        },
        "currency": "AUD",
        "additionalInfoUri": "https://www.bankwaw.com.au/Support/Disclosure-Documents/Loan_Fees_-Charges"
      },
      {
        "name": "LOAN_VARIATION_FEE",
        "feeType": "EVENT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "600.00"
        },
        "currency": "AUD",
        "additionalInfoUri": "https://www.bankwaw.com.au/Support/Disclosure-Documents/Loan_Fees_-Charges"
      },
      {
        "name": "LOAN_LEGAL_FEES,_VALUATIONS,_SURVEYS,_AND_SETTLEMENT_FEES",
        "feeType": "CASH_ADVANCE",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "0.00"
        },
        "currency": "AUD",
        "additionalInfoUri": "https://www.bankwaw.com.au/Support/Disclosure-Documents/Loan_Fees_-Charges"
      },
      {
        "name": "LOAN_VALUATION_FEE",
        "feeType": "CASH_ADVANCE",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "0.00"
        },
        "currency": "AUD",
        "additionalInfoUri": "https://www.bankwaw.com.au/Support/Disclosure-Documents/Loan_Fees_-Charges"
      }
    ],
    "lendingRates": [
      {
        "lendingRateType": "INTRODUCTORY",
        "rate": "0.0604",
        "comparisonRate": "0.0625",
        "calculationFrequency": "P1D",
        "applicationType": "UPFRONT",
        "interestPaymentDue": "IN_ARREARS",
        "repaymentType": "PRINCIPAL_AND_INTEREST",
        "loanPurpose": "OWNER_OCCUPIED",
        "tiers": [
          {
            "name": "<=60% LVR",
            "unitOfMeasure": "PERCENT",
            "minimumValue": "0.010000",
            "maximumValue": "0.600000",
            "rateApplicationMethod": "WHOLE_BALANCE"
          }
        ],
        "additionalValue": "P24M",
        "additionalInfoUri": "https://www.bankwaw.com.au/Links/Interest-Rates"
      },
      {
        "lendingRateType": "VARIABLE",
        "rate": "0.0624",
        "comparisonRate": "0.0629",
        "calculationFrequency": "P1D",
        "applicationType": "UPFRONT",
        "interestPaymentDue": "IN_ARREARS",
        "repaymentType": "PRINCIPAL_AND_INTEREST",
        "loanPurpose": "OWNER_OCCUPIED",
        "tiers": [
          {
            "name": "<=80% LVR",
            "unitOfMeasure": "PERCENT",
            "minimumValue": "0.010000",
            "maximumValue": "0.800000",
            "rateApplicationMethod": "WHOLE_BALANCE"
          }
        ],
        "additionalInfoUri": "%20https://www.bankwaw.com.au/Links/Interest-Rates"
      }
    ],
    "productCategory": "RESIDENTIAL_MORTGAGES",
    "productId": "L6_OOCC",
    "lastUpdated": "2026-10-10T19:39:59.000+11:00",
    "name": "Back to Basics Owner Occupied",
    "description": "Back to Basics Owner Occupied",
    "brand": "WAW CREDIT UNION CO-OPERATIVE LTD",
    "brandName": "BankWAW",
    "isTailored": false,
    "additionalInformation": {
      "overviewUri": "https://www.bankwaw.com.au/Loans",
      "termsUri": "https://www.bankwaw.com.au/Support/Disclosure-Documents",
      "eligibilityUri": "https://www.bankwaw.com.au/Support/Disclosure-Documents",
      "feesAndPricingUri": "https://www.bankwaw.com.au/Support/Disclosure-Documents/Loan_Fees_-Charges"
    }
  }
}