{
  "snapshot_at": "2026-10-28T23:27:14Z",
  "brand": "Central West CUL",
  "brand_slug": "central-west-cul",
  "product_id": "Premium_Smart_Home_Loan",
  "cdr_url": "https://ib.cwcu.com.au/openbanking/cds-au/v1/banking/products/Premium_Smart_Home_Loan",
  "x_v": 7,
  "how_to_fetch": "curl -H 'x-v: 7' 'https://ib.cwcu.com.au/openbanking/cds-au/v1/banking/products/Premium_Smart_Home_Loan'",
  "note": "Verbatim `data` object of the bank's CDR product detail response, as fetched. The live endpoint needs the x-v header shown in how_to_fetch and will not open in a browser.",
  "data": {
    "features": [
      {
        "featureType": "REDRAW",
        "additionalInfoUri": "https://www.cwcu.com.au/about-us/news-central/january-2024/maximising-your-home-loan-the-strategic-use-of-a"
      },
      {
        "featureType": "OFFSET",
        "additionalInfoUri": "https://www.cwcu.com.au/savings/other-savings-accounts"
      },
      {
        "featureType": "DIGITAL_BANKING",
        "additionalInfoUri": "https://www.cwcu.com.au/other-services/cards-and-ways-to-bank/redinet-online-banking"
      },
      {
        "featureType": "OTHER",
        "additionalInfo": "Maximum term 30 years"
      },
      {
        "featureType": "EXTRA_REPAYMENTS"
      },
      {
        "featureType": "OTHER",
        "additionalInfo": "Split Loan allowed"
      }
    ],
    "constraints": [
      {
        "constraintType": "MIN_BALANCE",
        "additionalValue": "150000.00",
        "additionalInfo": "New borrowings on loan must exceed $150000"
      },
      {
        "constraintType": "MAX_LVR",
        "additionalValue": "0.80",
        "additionalInfo": "Maximum LVR 80% without Lenders Mortgage Insurance"
      }
    ],
    "eligibility": [
      {
        "eligibilityType": "MIN_AGE",
        "additionalValue": "18",
        "additionalInfo": "18"
      },
      {
        "eligibilityType": "RESIDENCY_STATUS",
        "additionalValue": "Australian Resident only"
      },
      {
        "eligibilityType": "OTHER",
        "additionalInfo": "Maximum LVR 95% subject to Lenders Mortgage Insurance approval"
      }
    ],
    "fees": [
      {
        "name": "MORTGAGE_DISCHARGE_FEE",
        "feeType": "EXIT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "536.00"
        },
        "currency": "AUD",
        "additionalInfo": "Discharge fees are paid on discharge"
      },
      {
        "name": "PREMIUM_SMART_HOME_LOAN_ESTABLISHMENT_FEE",
        "feeType": "UPFRONT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "497.00"
        },
        "currency": "AUD",
        "additionalInfo": "Establishment Fee Paid on Funding (includes Mortgage Registration Fee)"
      }
    ],
    "lendingRates": [
      {
        "lendingRateType": "VARIABLE",
        "rate": "0.0634",
        "comparisonRate": "0.064",
        "calculationFrequency": "P1D",
        "applicationType": "PERIODIC",
        "applicationFrequency": "P1M",
        "interestPaymentDue": "IN_ARREARS",
        "repaymentType": "PRINCIPAL_AND_INTEREST",
        "loanPurpose": "OWNER_OCCUPIED",
        "additionalInfo": "Secured by mortgage over Residential Property"
      }
    ],
    "productCategory": "RESIDENTIAL_MORTGAGES",
    "productId": "Premium_Smart_Home_Loan",
    "effectiveFrom": "2021-03-25T00:00:00.000+11:00",
    "lastUpdated": "2026-10-29T09:15:50.000+11:00",
    "name": "Premium Smart Home Loan",
    "description": "Perfect for borrowers with equity in their home",
    "brand": "CENTRAL WEST CREDIT UNION LTD",
    "brandName": "CENTRAL WEST CREDIT UNION LTD",
    "applicationUri": "https://www.cwcu.com.au/lending/apply-for-a-loan",
    "isTailored": false,
    "additionalInformation": {
      "overviewUri": "https://www.cwcu.com.au/lending/home-loans",
      "termsUri": "https://www.cwcu.com.au/disclosure-documents/conditions-of-use",
      "eligibilityUri": "https://www.cwcu.com.au/disclosure-documents/conditions-of-use",
      "feesAndPricingUri": "https://www.cwcu.com.au/disclosure-documents/fees-and-charges",
      "bundleUri": "https://www.cwcu.com.au/lending/apply-for-a-loan"
    }
  }
}