{
  "snapshot_at": "2026-11-11T00:34:42Z",
  "brand": "Bendigo Bank",
  "brand_slug": "bendigo-bank",
  "product_id": "01fec5c4-a888-4330-a8cc-4a0a0ac931b5",
  "cdr_url": "https://api.cdr.bendigobank.com.au/cds-au/v1/banking/products/01fec5c4-a888-4330-a8cc-4a0a0ac931b5",
  "x_v": 7,
  "how_to_fetch": "curl -H 'x-v: 7' 'https://api.cdr.bendigobank.com.au/cds-au/v1/banking/products/01fec5c4-a888-4330-a8cc-4a0a0ac931b5'",
  "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": {
    "effectiveFrom": "2022-05-02T14:30:00.000Z",
    "lastUpdated": "2026-11-10T13:31:23.996Z",
    "productCategory": "RESIDENTIAL_MORTGAGES",
    "name": "Bendigo Express Home Loan",
    "description": "The Bendigo Express is an online home loan which enables a customer to apply and be approved for a home loan re-finance\ndigitally. The application form will be hosted by our partner Tiimely.",
    "productId": "01fec5c4-a888-4330-a8cc-4a0a0ac931b5",
    "brandName": "Bendigo Bank",
    "applicationUri": "https://applyonline.bendigobank.com.au/Application",
    "isTailored": false,
    "bundles": [],
    "cardArt": [],
    "features": [
      {
        "featureType": "REDRAW",
        "additionalInfo": "Online redraw available"
      },
      {
        "featureType": "OTHER",
        "additionalInfo": "Weekly, fortnightly or monthly repayments"
      },
      {
        "featureType": "OFFSET",
        "additionalInfo": "Up to six offset accounts can be connected to the product"
      },
      {
        "featureType": "EXTRA_REPAYMENTS",
        "additionalInfo": "Unlimited additional repayments if variable, otherwise 20% of loan balance when fixed"
      }
    ],
    "constraints": [
      {
        "constraintType": "MIN_LIMIT",
        "additionalValue": "10000.00"
      },
      {
        "constraintType": "MAX_LVR",
        "additionalValue": "0.8"
      },
      {
        "constraintType": "MAX_LIMIT",
        "additionalValue": "1500000.00"
      }
    ],
    "eligibility": [
      {
        "eligibilityType": "MIN_AGE",
        "additionalValue": "18"
      },
      {
        "eligibilityType": "OTHER",
        "additionalInfo": "Credit and Lending Criteria, Fees and Charges Apply"
      },
      {
        "eligibilityType": "OTHER",
        "additionalInfo": "Minimum loan amount $10,000. Maximum loan amount $3m"
      },
      {
        "eligibilityType": "OTHER",
        "additionalInfo": "Purchase and Refinance"
      }
    ],
    "fees": [
      {
        "name": "Monthly Fee",
        "feeType": "PERIODIC",
        "feeMethodUType": "fixedAmount",
        "additionalValue": "P1M",
        "discounts": [],
        "fixedAmount": {
          "amount": "10.000000"
        }
      },
      {
        "name": "Discharge Administration Fee",
        "feeType": "EXIT",
        "feeMethodUType": "fixedAmount",
        "discounts": [],
        "fixedAmount": {
          "amount": "350.000000"
        }
      },
      {
        "name": "Establishment Fee",
        "feeType": "UPFRONT",
        "feeMethodUType": "fixedAmount",
        "additionalInfo": " Application Fee $0",
        "discounts": [],
        "fixedAmount": {
          "amount": "0.000000"
        }
      },
      {
        "name": "Variation Fee - Simple",
        "feeType": "EVENT",
        "feeMethodUType": "fixedAmount",
        "discounts": [],
        "fixedAmount": {
          "amount": "150.000000"
        }
      },
      {
        "name": "Variation Fee - Complex",
        "feeType": "EVENT",
        "feeMethodUType": "fixedAmount",
        "discounts": [],
        "fixedAmount": {
          "amount": "300.000000"
        }
      },
      {
        "name": "Guarantee Administration Fee",
        "feeType": "UPFRONT",
        "feeMethodUType": "fixedAmount",
        "discounts": [],
        "fixedAmount": {
          "amount": "250.000000"
        }
      },
      {
        "name": "Rate Variation Fee (to renegotiate Rate)",
        "feeType": "EVENT",
        "feeMethodUType": "fixedAmount",
        "discounts": [],
        "fixedAmount": {
          "amount": "100.000000"
        }
      },
      {
        "name": "Repayment Recalculation Fee",
        "feeType": "EVENT",
        "feeMethodUType": "fixedAmount",
        "discounts": [],
        "fixedAmount": {
          "amount": "50.000000"
        }
      },
      {
        "name": "Interest Prepayment Fee",
        "feeType": "EVENT",
        "feeMethodUType": "fixedAmount",
        "discounts": [],
        "fixedAmount": {
          "amount": "85.000000"
        }
      },
      {
        "name": "Default Fee",
        "feeType": "EVENT",
        "feeMethodUType": "fixedAmount",
        "discounts": [],
        "fixedAmount": {
          "amount": "35.000000"
        }
      },
      {
        "name": "Duplicate Fee",
        "feeType": "EVENT",
        "feeMethodUType": "fixedAmount",
        "discounts": [],
        "fixedAmount": {
          "amount": "16.500000"
        }
      },
      {
        "name": "Bank Cheque Fee",
        "feeType": "EVENT",
        "feeMethodUType": "fixedAmount",
        "discounts": [],
        "fixedAmount": {
          "amount": "10.000000"
        }
      },
      {
        "name": "Valuation Fee",
        "feeType": "EVENT",
        "feeMethodUType": "variable",
        "additionalInfo": "Valuation fees (charged at cost, per property):\n\nElectronic valuation: $134.20\nFull valuation - less than $1 million in value: $220\nFull valuation - greater than $1 million in value: $440",
        "discounts": []
      },
      {
        "name": "Break Cost Fee and Prepayment Fee",
        "feeType": "EVENT",
        "feeMethodUType": "variable",
        "additionalInfo": "A Break Cost Fee is payable to us each time any of the following break events occur during a fixed rate period:\n•\tat your request, we agree to vary your annual percentage rate; or\n•\tyou repay your loan account balance in full.\nA Prepayment Fee is payable to us if, during a fixed rate period, you prepay an amount (repay more than your required repayments) that exceeds 20% of:\n•\tif the fixed rate period started on the date we first advanced any part of the amount of credit, the amount of credit – in which case the prepayment amount is the amount you prepay during the fixed rate period less 20% of the amount of credit; or\n•\tif the fixed rate period started on a date after the date we first advanced any part of the amount of credit, the loan account balance at the start of the fixed rate period – in which case the prepayment amount is the amount you prepay less 20% of the loan account balance at the start of the fixed rate period.\n",
        "discounts": []
      },
      {
        "name": "Online Redraw Fee",
        "feeType": "EVENT",
        "feeMethodUType": "fixedAmount",
        "additionalInfo": "Charged when completing a redraw online",
        "discounts": [],
        "fixedAmount": {
          "amount": "0.000000"
        }
      },
      {
        "name": "Agent Lodgement Fee ",
        "feeType": "EVENT",
        "feeMethodUType": "fixedAmount",
        "additionalInfo": "Payable for an agent of the bank to attend the settlement of your property or lodging the security interests attached to your loan",
        "discounts": [],
        "fixedAmount": {
          "amount": "125.000000"
        }
      },
      {
        "name": "Manual Redraw Fee ",
        "feeType": "EVENT",
        "feeMethodUType": "fixedAmount",
        "additionalInfo": "Payable each time we agree to a redraw request you make otherwise than through Bendigo e-banking",
        "discounts": [],
        "fixedAmount": {
          "amount": "0.000000"
        }
      },
      {
        "name": "Settlement Fee",
        "feeType": "EVENT",
        "feeMethodUType": "fixedAmount",
        "additionalInfo": "Settlement Fee is payable at settlement",
        "discounts": [],
        "fixedAmount": {
          "amount": "300.000000"
        }
      }
    ],
    "depositRates": [],
    "lendingRates": [
      {
        "lendingRateType": "VARIABLE",
        "rate": "0.0639000000000000",
        "comparisonRate": "0.0654000000000000",
        "calculationFrequency": "P1D",
        "applicationFrequency": "P1M",
        "interestPaymentDue": "IN_ARREARS",
        "repaymentType": "PRINCIPAL_AND_INTEREST",
        "loanPurpose": "OWNER_OCCUPIED",
        "applicationType": "PERIODIC"
      },
      {
        "lendingRateType": "FIXED",
        "rate": "0.0649000000000000",
        "comparisonRate": "0.0655000000000000",
        "calculationFrequency": "P1D",
        "applicationFrequency": "P1M",
        "interestPaymentDue": "IN_ARREARS",
        "repaymentType": "PRINCIPAL_AND_INTEREST",
        "loanPurpose": "OWNER_OCCUPIED",
        "additionalValue": "P1Y",
        "applicationType": "PERIODIC"
      },
      {
        "lendingRateType": "FIXED",
        "rate": "0.0649000000000000",
        "comparisonRate": "0.0656000000000000",
        "calculationFrequency": "P1D",
        "applicationFrequency": "P1M",
        "interestPaymentDue": "IN_ARREARS",
        "repaymentType": "PRINCIPAL_AND_INTEREST",
        "loanPurpose": "OWNER_OCCUPIED",
        "additionalValue": "P2Y",
        "applicationType": "PERIODIC"
      },
      {
        "lendingRateType": "FIXED",
        "rate": "0.0659000000000000",
        "comparisonRate": "0.0660000000000000",
        "calculationFrequency": "P1D",
        "applicationFrequency": "P1M",
        "interestPaymentDue": "IN_ARREARS",
        "repaymentType": "PRINCIPAL_AND_INTEREST",
        "loanPurpose": "OWNER_OCCUPIED",
        "additionalValue": "P3Y",
        "applicationType": "PERIODIC"
      },
      {
        "lendingRateType": "FIXED",
        "rate": "0.0669000000000000",
        "comparisonRate": "0.0665000000000000",
        "calculationFrequency": "P1D",
        "applicationFrequency": "P1M",
        "interestPaymentDue": "IN_ARREARS",
        "repaymentType": "PRINCIPAL_AND_INTEREST",
        "loanPurpose": "OWNER_OCCUPIED",
        "additionalValue": "P4Y",
        "applicationType": "PERIODIC"
      },
      {
        "lendingRateType": "FIXED",
        "rate": "0.0669000000000000",
        "comparisonRate": "0.0667000000000000",
        "calculationFrequency": "P1D",
        "applicationFrequency": "P1M",
        "interestPaymentDue": "IN_ARREARS",
        "repaymentType": "PRINCIPAL_AND_INTEREST",
        "loanPurpose": "OWNER_OCCUPIED",
        "additionalValue": "P5Y",
        "applicationType": "PERIODIC"
      },
      {
        "lendingRateType": "VARIABLE",
        "rate": "0.0659000000000000",
        "comparisonRate": "0.0674000000000000",
        "calculationFrequency": "P1D",
        "applicationFrequency": "P1M",
        "interestPaymentDue": "IN_ARREARS",
        "repaymentType": "PRINCIPAL_AND_INTEREST",
        "loanPurpose": "INVESTMENT",
        "applicationType": "PERIODIC"
      },
      {
        "lendingRateType": "FIXED",
        "rate": "0.0659000000000000",
        "comparisonRate": "0.0674000000000000",
        "calculationFrequency": "P1D",
        "applicationFrequency": "P1M",
        "interestPaymentDue": "IN_ARREARS",
        "repaymentType": "PRINCIPAL_AND_INTEREST",
        "loanPurpose": "INVESTMENT",
        "additionalValue": "P1Y",
        "applicationType": "PERIODIC"
      },
      {
        "lendingRateType": "FIXED",
        "rate": "0.0659000000000000",
        "comparisonRate": "0.0674000000000000",
        "calculationFrequency": "P1D",
        "applicationFrequency": "P1M",
        "interestPaymentDue": "IN_ARREARS",
        "repaymentType": "PRINCIPAL_AND_INTEREST",
        "loanPurpose": "INVESTMENT",
        "additionalValue": "P2Y",
        "applicationType": "PERIODIC"
      },
      {
        "lendingRateType": "FIXED",
        "rate": "0.0669000000000000",
        "comparisonRate": "0.0677000000000000",
        "calculationFrequency": "P1D",
        "applicationFrequency": "P1M",
        "interestPaymentDue": "IN_ARREARS",
        "repaymentType": "PRINCIPAL_AND_INTEREST",
        "loanPurpose": "INVESTMENT",
        "additionalValue": "P3Y",
        "applicationType": "PERIODIC"
      },
      {
        "lendingRateType": "FIXED",
        "rate": "0.0679000000000000",
        "comparisonRate": "0.0681000000000000",
        "calculationFrequency": "P1D",
        "applicationFrequency": "P1M",
        "interestPaymentDue": "IN_ARREARS",
        "repaymentType": "PRINCIPAL_AND_INTEREST",
        "loanPurpose": "INVESTMENT",
        "additionalValue": "P4Y",
        "applicationType": "PERIODIC"
      },
      {
        "lendingRateType": "FIXED",
        "rate": "0.0679000000000000",
        "comparisonRate": "0.0683000000000000",
        "calculationFrequency": "P1D",
        "applicationFrequency": "P1M",
        "interestPaymentDue": "IN_ARREARS",
        "repaymentType": "PRINCIPAL_AND_INTEREST",
        "loanPurpose": "INVESTMENT",
        "additionalValue": "P5Y",
        "applicationType": "PERIODIC"
      },
      {
        "lendingRateType": "VARIABLE",
        "rate": "0.0679000000000000",
        "comparisonRate": "0.0681000000000000",
        "calculationFrequency": "P1D",
        "applicationFrequency": "P1M",
        "interestPaymentDue": "IN_ARREARS",
        "repaymentType": "INTEREST_ONLY",
        "loanPurpose": "INVESTMENT",
        "applicationType": "PERIODIC"
      },
      {
        "lendingRateType": "FIXED",
        "rate": "0.0674000000000000",
        "comparisonRate": "0.0681000000000000",
        "calculationFrequency": "P1D",
        "applicationFrequency": "P1M",
        "interestPaymentDue": "IN_ARREARS",
        "repaymentType": "INTEREST_ONLY",
        "loanPurpose": "INVESTMENT",
        "additionalValue": "P1Y",
        "applicationType": "PERIODIC"
      },
      {
        "lendingRateType": "FIXED",
        "rate": "0.0674000000000000",
        "comparisonRate": "0.0681000000000000",
        "calculationFrequency": "P1D",
        "applicationFrequency": "P1M",
        "interestPaymentDue": "IN_ARREARS",
        "repaymentType": "INTEREST_ONLY",
        "loanPurpose": "INVESTMENT",
        "additionalValue": "P2Y",
        "applicationType": "PERIODIC"
      },
      {
        "lendingRateType": "FIXED",
        "rate": "0.0684000000000000",
        "comparisonRate": "0.0683000000000000",
        "calculationFrequency": "P1D",
        "applicationFrequency": "P1M",
        "interestPaymentDue": "IN_ARREARS",
        "repaymentType": "INTEREST_ONLY",
        "loanPurpose": "INVESTMENT",
        "additionalValue": "P3Y",
        "applicationType": "PERIODIC"
      },
      {
        "lendingRateType": "FIXED",
        "rate": "0.0694000000000000",
        "comparisonRate": "0.0687000000000000",
        "calculationFrequency": "P1D",
        "applicationFrequency": "P1M",
        "interestPaymentDue": "IN_ARREARS",
        "repaymentType": "INTEREST_ONLY",
        "loanPurpose": "INVESTMENT",
        "additionalValue": "P4Y",
        "applicationType": "PERIODIC"
      },
      {
        "lendingRateType": "FIXED",
        "rate": "0.0694000000000000",
        "comparisonRate": "0.0688000000000000",
        "calculationFrequency": "P1D",
        "applicationFrequency": "P1M",
        "interestPaymentDue": "IN_ARREARS",
        "repaymentType": "INTEREST_ONLY",
        "loanPurpose": "INVESTMENT",
        "additionalValue": "P5Y",
        "applicationType": "PERIODIC"
      }
    ],
    "additionalInformation": {
      "overviewUri": "https://www.bendigobank.com.au/personal/home-loans/express-home-loan/",
      "termsUri": "https://www.bendigobank.com.au/globalassets/documents/disclosures/home-loan-booklet.pdf",
      "eligibilityUri": "https://www.bendigobank.com.au/globalassets/documents/tmd/bendigobank/homeloans/bendigo-express-home-loan.pdf",
      "feesAndPricingUri": "https://www.bendigobank.com.au/globalassets/documents/disclosures/lending-fees-and-charges.pdf"
    },
    "brand": "BENDIGO"
  }
}