{
  "snapshot_at": "2026-11-13T01:21:44Z",
  "brand": "First Option Bank",
  "brand_slug": "first-option-bank",
  "product_id": "COMPLETE_PACKAGE_HOME_LOAN",
  "cdr_url": "https://internetbanking.firstoption.com.au/OpenBanking/cds-au/v1/banking/products/COMPLETE_PACKAGE_HOME_LOAN",
  "x_v": 7,
  "how_to_fetch": "curl -H 'x-v: 7' 'https://internetbanking.firstoption.com.au/OpenBanking/cds-au/v1/banking/products/COMPLETE_PACKAGE_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"
      },
      {
        "featureType": "DIGITAL_BANKING"
      },
      {
        "featureType": "NOTIFICATIONS",
        "additionalInfo": "Email, SMS"
      },
      {
        "featureType": "OFFSET"
      },
      {
        "featureType": "EXTRA_REPAYMENTS"
      }
    ],
    "constraints": [
      {
        "constraintType": "MIN_LIMIT",
        "additionalValue": "5000.00"
      }
    ],
    "eligibility": [
      {
        "eligibilityType": "MIN_AGE",
        "additionalValue": "18"
      },
      {
        "eligibilityType": "RESIDENCY_STATUS",
        "additionalValue": "Australian Residents"
      },
      {
        "eligibilityType": "NATURAL_PERSON"
      }
    ],
    "fees": [
      {
        "name": "PACKAGE_HOME_LOAN_ANNUAL_FEE",
        "feeType": "PERIODIC",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "375.00"
        },
        "currency": "AUD",
        "additionalValue": "P1Y"
      },
      {
        "name": "INVLOAN_ADMIN_FEE",
        "feeType": "UPFRONT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "400.00"
        },
        "currency": "AUD",
        "additionalInfo": "Plus Costs"
      },
      {
        "name": "MORTGAGEDISCHARGE",
        "feeType": "CASH_ADVANCE",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "175.00"
        },
        "currency": "AUD",
        "additionalInfo": "Calculated at time of Discharge, up to a maximum of $600",
        "additionalInfoUri": "https://firstoptionbank.com.au/disclosure-statements/"
      },
      {
        "name": "BRIDGINGLOAN",
        "feeType": "UPFRONT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "250.00"
        },
        "currency": "AUD",
        "additionalInfo": "Administration fee to cover the cost of setting-up a bridging loan when buying and selling a property",
        "additionalInfoUri": "https://firstoptionbank.com.au/disclosure-statements/"
      },
      {
        "name": "CONSTRUCTIONLOAN",
        "feeType": "UPFRONT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "600.00"
        },
        "currency": "AUD",
        "additionalInfo": "Construction loan fee which includes up to five progress payments to suppliers, additional construction loan progress payment fees $50 per payment",
        "additionalInfoUri": "https://firstoptionbank.com.au/disclosure-statements/"
      },
      {
        "name": "CONTRACTVARIATION",
        "feeType": "EVENT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "150.00"
        },
        "currency": "AUD",
        "additionalInfoUri": "https://firstoptionbank.com.au/disclosure-statements/"
      },
      {
        "name": "LEGALFEES",
        "feeType": "CASH_ADVANCE",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "0.00"
        },
        "currency": "AUD",
        "additionalInfo": "First Option covers the first $1000 of Valuation and Legal Fees, other external costs are on-charged at-cost."
      },
      {
        "name": "LOANADMIN",
        "feeType": "EVENT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "250.00"
        },
        "currency": "AUD",
        "additionalInfoUri": "https://firstoptionbank.com.au/disclosure-statements/"
      },
      {
        "name": "LOANCONSENT",
        "feeType": "EVENT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "400.00"
        },
        "currency": "AUD",
        "additionalInfoUri": "https://firstoptionbank.com.au/disclosure-statements/"
      },
      {
        "name": "MORTGAGEDISCHARGE",
        "feeType": "CASH_ADVANCE",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "175.00"
        },
        "currency": "AUD",
        "additionalInfo": "Calculated at time of Discharge, up to a maximum of $600",
        "additionalInfoUri": "https://firstoptionbank.com.au/disclosure-statements/"
      },
      {
        "name": "SECURITYGUARANTEE",
        "feeType": "CASH_ADVANCE",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "250.00"
        },
        "currency": "AUD",
        "additionalInfoUri": "https://firstoptionbank.com.au/disclosure-statements/"
      },
      {
        "name": "SECURITYSUBSTITUTION",
        "feeType": "CASH_ADVANCE",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "250.00"
        },
        "currency": "AUD",
        "additionalInfoUri": "https://firstoptionbank.com.au/disclosure-statements/"
      },
      {
        "name": "TITLEPRODUCTION",
        "feeType": "CASH_ADVANCE",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "150.00"
        },
        "currency": "AUD",
        "additionalInfoUri": "https://firstoptionbank.com.au/disclosure-statements/"
      },
      {
        "name": "GOVERNMENTFEESCHARGES",
        "feeType": "CASH_ADVANCE",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "0.00"
        },
        "currency": "AUD",
        "additionalInfo": "Stamp Duties and other government costs depend on value of the property and state",
        "additionalInfoUri": "https://firstoptionbank.com.au/disclosure-statements/"
      }
    ],
    "lendingRates": [
      {
        "lendingRateType": "VARIABLE",
        "rate": "0.0659",
        "comparisonRate": "0.0696",
        "calculationFrequency": "P1D",
        "applicationType": "PERIODIC",
        "applicationFrequency": "P1D",
        "interestPaymentDue": "IN_ARREARS",
        "repaymentType": "INTEREST_ONLY",
        "loanPurpose": "INVESTMENT",
        "tiers": [
          {
            "name": "Under 60 LVR",
            "unitOfMeasure": "PERCENT",
            "minimumValue": "0.000001",
            "maximumValue": "0.600000",
            "rateApplicationMethod": "WHOLE_BALANCE"
          }
        ],
        "additionalInfoUri": "https://firstoptionbank.com.au/lending-rates/"
      },
      {
        "lendingRateType": "VARIABLE",
        "rate": "0.0664",
        "comparisonRate": "0.0701",
        "calculationFrequency": "P1D",
        "applicationType": "PERIODIC",
        "applicationFrequency": "P1D",
        "interestPaymentDue": "IN_ARREARS",
        "repaymentType": "INTEREST_ONLY",
        "loanPurpose": "INVESTMENT",
        "tiers": [
          {
            "name": "60 to 70 LVR",
            "unitOfMeasure": "PERCENT",
            "minimumValue": "0.600001",
            "maximumValue": "0.700000",
            "rateApplicationMethod": "WHOLE_BALANCE"
          }
        ],
        "additionalInfoUri": "https://firstoptionbank.com.au/lending-rates/"
      },
      {
        "lendingRateType": "VARIABLE",
        "rate": "0.0669",
        "comparisonRate": "0.0706",
        "calculationFrequency": "P1D",
        "applicationType": "PERIODIC",
        "applicationFrequency": "P1D",
        "interestPaymentDue": "IN_ARREARS",
        "repaymentType": "INTEREST_ONLY",
        "loanPurpose": "INVESTMENT",
        "tiers": [
          {
            "name": "Over 70 LVR",
            "unitOfMeasure": "PERCENT",
            "minimumValue": "0.700001",
            "maximumValue": "0.950000",
            "rateApplicationMethod": "WHOLE_BALANCE"
          }
        ],
        "additionalInfoUri": "https://firstoptionbank.com.au/lending-rates/"
      },
      {
        "lendingRateType": "VARIABLE",
        "rate": "0.0639",
        "comparisonRate": "0.0676",
        "calculationFrequency": "P1D",
        "applicationType": "PERIODIC",
        "applicationFrequency": "P1D",
        "interestPaymentDue": "IN_ARREARS",
        "repaymentType": "PRINCIPAL_AND_INTEREST",
        "loanPurpose": "INVESTMENT",
        "tiers": [
          {
            "name": "Under 60 LVR",
            "unitOfMeasure": "PERCENT",
            "minimumValue": "0.000001",
            "maximumValue": "0.600000",
            "rateApplicationMethod": "WHOLE_BALANCE"
          }
        ],
        "additionalInfoUri": "https://firstoptionbank.com.au/lending-rates/"
      },
      {
        "lendingRateType": "VARIABLE",
        "rate": "0.0644",
        "comparisonRate": "0.0681",
        "calculationFrequency": "P1D",
        "applicationType": "PERIODIC",
        "applicationFrequency": "P1D",
        "interestPaymentDue": "IN_ARREARS",
        "repaymentType": "PRINCIPAL_AND_INTEREST",
        "loanPurpose": "INVESTMENT",
        "tiers": [
          {
            "name": "60 to 70 LVR",
            "unitOfMeasure": "PERCENT",
            "minimumValue": "0.600001",
            "maximumValue": "0.700000",
            "rateApplicationMethod": "WHOLE_BALANCE"
          }
        ],
        "additionalInfoUri": "https://firstoptionbank.com.au/lending-rates/"
      },
      {
        "lendingRateType": "VARIABLE",
        "rate": "0.0649",
        "comparisonRate": "0.0686",
        "calculationFrequency": "P1D",
        "applicationType": "PERIODIC",
        "applicationFrequency": "P1D",
        "interestPaymentDue": "IN_ARREARS",
        "repaymentType": "PRINCIPAL_AND_INTEREST",
        "loanPurpose": "INVESTMENT",
        "tiers": [
          {
            "name": "Over 70 LVR",
            "unitOfMeasure": "PERCENT",
            "minimumValue": "0.700001",
            "maximumValue": "0.950000",
            "rateApplicationMethod": "WHOLE_BALANCE"
          }
        ],
        "additionalInfoUri": "https://firstoptionbank.com.au/lending-rates/"
      },
      {
        "lendingRateType": "VARIABLE",
        "rate": "0.0634",
        "comparisonRate": "0.0669",
        "calculationFrequency": "P1D",
        "applicationType": "PERIODIC",
        "applicationFrequency": "P1D",
        "interestPaymentDue": "IN_ARREARS",
        "repaymentType": "INTEREST_ONLY",
        "loanPurpose": "OWNER_OCCUPIED",
        "tiers": [
          {
            "name": "Under 60 LVR",
            "unitOfMeasure": "PERCENT",
            "minimumValue": "0.000001",
            "maximumValue": "0.600000",
            "rateApplicationMethod": "WHOLE_BALANCE"
          }
        ],
        "additionalInfoUri": "https://firstoptionbank.com.au/lending-rates/"
      },
      {
        "lendingRateType": "VARIABLE",
        "rate": "0.0639",
        "comparisonRate": "0.0674",
        "calculationFrequency": "P1D",
        "applicationType": "PERIODIC",
        "applicationFrequency": "P1D",
        "interestPaymentDue": "IN_ARREARS",
        "repaymentType": "INTEREST_ONLY",
        "loanPurpose": "OWNER_OCCUPIED",
        "tiers": [
          {
            "name": "60 to 70 LVR",
            "unitOfMeasure": "PERCENT",
            "minimumValue": "0.600001",
            "maximumValue": "0.700000",
            "rateApplicationMethod": "WHOLE_BALANCE"
          }
        ],
        "additionalInfoUri": "https://firstoptionbank.com.au/lending-rates/"
      },
      {
        "lendingRateType": "VARIABLE",
        "rate": "0.0644",
        "comparisonRate": "0.0678",
        "calculationFrequency": "P1D",
        "applicationType": "PERIODIC",
        "applicationFrequency": "P1D",
        "interestPaymentDue": "IN_ARREARS",
        "repaymentType": "INTEREST_ONLY",
        "loanPurpose": "OWNER_OCCUPIED",
        "tiers": [
          {
            "name": "70.0001",
            "unitOfMeasure": "PERCENT",
            "minimumValue": "0.700001",
            "maximumValue": "0.950000",
            "rateApplicationMethod": "WHOLE_BALANCE"
          }
        ],
        "additionalInfoUri": "https://firstoptionbank.com.au/lending-rates/"
      },
      {
        "lendingRateType": "VARIABLE",
        "rate": "0.0614",
        "comparisonRate": "0.0649",
        "calculationFrequency": "P1D",
        "applicationType": "PERIODIC",
        "applicationFrequency": "P1D",
        "interestPaymentDue": "IN_ARREARS",
        "repaymentType": "PRINCIPAL_AND_INTEREST",
        "loanPurpose": "OWNER_OCCUPIED",
        "tiers": [
          {
            "name": "Under 60 LVR",
            "unitOfMeasure": "PERCENT",
            "minimumValue": "0.000001",
            "maximumValue": "0.600000",
            "rateApplicationMethod": "WHOLE_BALANCE"
          }
        ],
        "additionalInfoUri": "https://firstoptionbank.com.au/lending-rates/"
      },
      {
        "lendingRateType": "VARIABLE",
        "rate": "0.0619",
        "comparisonRate": "0.0654",
        "calculationFrequency": "P1D",
        "applicationType": "PERIODIC",
        "applicationFrequency": "P1D",
        "interestPaymentDue": "IN_ARREARS",
        "repaymentType": "PRINCIPAL_AND_INTEREST",
        "loanPurpose": "OWNER_OCCUPIED",
        "tiers": [
          {
            "name": "60 to 70 LVR",
            "unitOfMeasure": "PERCENT",
            "minimumValue": "0.600001",
            "maximumValue": "0.700000",
            "rateApplicationMethod": "WHOLE_BALANCE"
          }
        ],
        "additionalInfoUri": "https://firstoptionbank.com.au/lending-rates/"
      },
      {
        "lendingRateType": "VARIABLE",
        "rate": "0.0624",
        "comparisonRate": "0.0659",
        "calculationFrequency": "P1D",
        "applicationType": "PERIODIC",
        "applicationFrequency": "P1D",
        "interestPaymentDue": "IN_ARREARS",
        "repaymentType": "PRINCIPAL_AND_INTEREST",
        "loanPurpose": "OWNER_OCCUPIED",
        "tiers": [
          {
            "name": "Over 70 LVR",
            "unitOfMeasure": "PERCENT",
            "minimumValue": "0.700001",
            "maximumValue": "0.950000",
            "rateApplicationMethod": "WHOLE_BALANCE"
          }
        ],
        "additionalInfoUri": "https://firstoptionbank.com.au/lending-rates/"
      }
    ],
    "productCategory": "RESIDENTIAL_MORTGAGES",
    "productId": "COMPLETE_PACKAGE_HOME_LOAN",
    "lastUpdated": "2026-11-12T10:54:39.000+11:00",
    "name": "COMPLETE PACKAGE HOME LOAN",
    "description": "COMPLETE PACKAGE HL",
    "brand": "FIRST OPTION BANK LTD",
    "brandName": "FIRST OPTION BANK",
    "applicationUri": "https://internetbanking.firstoption.com.au/onlinelending/OLA/OnlineApplications.aspx",
    "isTailored": false,
    "additionalInformation": {
      "overviewUri": "https://firstoptionbank.com.au/loans/",
      "termsUri": "https://firstoptionbank.com.au/disclosure-statements/",
      "eligibilityUri": "https://firstoptionbank.com.au/disclosure-statements/",
      "feesAndPricingUri": "https://firstoptionbank.com.au/disclosure-statements/"
    }
  }
}