{
  "snapshot_at": "2026-10-15T13:44:47Z",
  "brand": "Gateway Bank",
  "brand_slug": "gateway-bank",
  "product_id": "99",
  "cdr_url": "https://public.cdr-api.gatewaybank.com.au/cds-au/v1/banking/products/99",
  "x_v": 7,
  "how_to_fetch": "curl -H 'x-v: 7' 'https://public.cdr-api.gatewaybank.com.au/cds-au/v1/banking/products/99'",
  "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": {
    "productId": "99",
    "effectiveFrom": "2011-06-22T14:30:00.0000000Z",
    "lastUpdated": "2026-10-13T02:00:31.5908395Z",
    "productCategory": "RESIDENTIAL_MORTGAGES",
    "name": "Low Rate Essentials",
    "description": "Low Rate Essentials",
    "brand": "Gateway Bank",
    "applicationUri": "https://www.gatewaybank.com.au/home-buying/owner-occupied-home-loans/low-rate-essentials-home-loan-owner-occupied/",
    "isTailored": false,
    "additionalInformation": {
      "overviewUri": "https://www.gatewaybank.com.au/home-buying/owner-occupied-home-loans/low-rate-essentials-home-loan-owner-occupied/",
      "termsUri": "https://www.gatewaybank.com.au/important-information",
      "feesAndPricingUri": "https://www.gatewaybank.com.au/media/tpnjx0rz/gateway_loan-fees-and-charges.pdf"
    },
    "features": [
      {
        "featureType": "DIGITAL_BANKING",
        "additionalInfo": "Access is available to online banking features for the product."
      },
      {
        "featureType": "EXTRA_REPAYMENTS",
        "additionalInfo": "Unlimited extra repayments"
      },
      {
        "featureType": "OTHER",
        "additionalInfo": "Options to split variable options and fixed rate. Interest rate lock for up to 90 days on fixed rate loans."
      },
      {
        "featureType": "REDRAW",
        "additionalInfo": "Home loan redraw facilities allow borrowers to withdraw the additional funds they put into their variable rate home loan.\r\n"
      }
    ],
    "constraints": [
      {
        "constraintType": "MAX_LIMIT",
        "additionalValue": "2000000.00"
      },
      {
        "constraintType": "MAX_LVR",
        "additionalValue": "95.00"
      },
      {
        "constraintType": "MIN_LIMIT",
        "additionalValue": "50000.00"
      }
    ],
    "eligibility": [
      {
        "eligibilityType": "MIN_AGE",
        "additionalValue": "18"
      }
    ],
    "fees": [
      {
        "name": "Discharge Fee - First Security",
        "feeType": "EXIT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "300.00"
        },
        "currency": "AUD",
        "additionalInfo": "Discharge Fee - First Security"
      },
      {
        "name": "Top-Up Fee",
        "feeType": "EVENT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "200.00"
        },
        "currency": "AUD",
        "additionalInfo": "Payable at settlement when increasing loan borrowings"
      },
      {
        "name": "Switch Fee",
        "feeType": "EVENT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "150.00"
        },
        "currency": "AUD",
        "additionalInfo": "Payable if Gateway agrees to vary the Loan Agreement on existing Gateway loan as follows:\r\nProduct switch (e.g. from variable rate to a fixed rate)\r\nRepayment switch (e.g. P&I to Interest Only)\r\nSplit (e.g. into part variable rate and part fixed rate)"
      },
      {
        "name": "Security Variation Fee",
        "feeType": "EVENT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "200.00"
        },
        "currency": "AUD",
        "additionalInfo": "Payable if Gateway agrees to vary the security on an existing loan"
      },
      {
        "name": "Discharge Fee - Per Additional Security",
        "feeType": "EXIT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "95.00"
        },
        "currency": "AUD",
        "additionalInfo": "Discharge Fee - Per Additional Security"
      },
      {
        "name": "Establishment Fee",
        "feeType": "UPFRONT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "0.00"
        },
        "currency": "AUD",
        "additionalInfo": "Nil. Payable at settlement of new loan, and may be payable at substitution of security or when adding a new security"
      },
      {
        "name": "Valuation Fee",
        "feeType": "UPFRONT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "0.00"
        },
        "currency": "AUD",
        "additionalInfo": "Nil 1st Valuation then $325. Payable if valuation required per property Applies to standard single residential dwellings to $1 million in Metro locations and $500,000 in Regional locations (maximum land area 2.2ha/5 acres)"
      },
      {
        "name": "Legal Fee",
        "feeType": "UPFRONT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "275.00"
        },
        "currency": "AUD",
        "additionalInfo": "Payable at settlement to cover solicitor's documentation costs"
      },
      {
        "name": "Split Fee",
        "feeType": "UPFRONT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "0.00"
        },
        "currency": "AUD",
        "additionalInfo": "Split Fee. Nil, up to 2 loan accounts. Fees apply thereafter"
      },
      {
        "name": "Exit Fee",
        "feeType": "EXIT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "0.00"
        },
        "currency": "AUD",
        "additionalInfo": "Nil"
      },
      {
        "name": "Annual Package Fee",
        "feeType": "UPFRONT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "0.00"
        },
        "currency": "AUD",
        "additionalInfo": "Nil. Payable at settlement and then again on each anniversary"
      },
      {
        "name": "Mortgage Registration Fee",
        "feeType": "UPFRONT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "0.00"
        },
        "currency": "AUD",
        "additionalInfo": "Government charges at cost"
      },
      {
        "name": "Additional Valuation Fee",
        "feeType": "EVENT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "0.00"
        },
        "currency": "AUD",
        "additionalInfo": "Payable if we or you decide to obtain an additional valuation report (which we may do at any time). At Cost"
      }
    ],
    "lendingRates": [
      {
        "lendingRateType": "VARIABLE",
        "rate": "0.0614",
        "comparisonRate": "0.0616",
        "calculationFrequency": "P1D",
        "applicationType": "PERIODIC",
        "applicationFrequency": "P1M",
        "interestPaymentDue": "IN_ARREARS",
        "repaymentType": "PRINCIPAL_AND_INTEREST",
        "loanPurpose": "OWNER_OCCUPIED",
        "additionalInfo": "Low Rate Essentials - <= 50% LVR"
      },
      {
        "lendingRateType": "VARIABLE",
        "rate": "0.0614",
        "comparisonRate": "0.0616",
        "calculationFrequency": "P1D",
        "applicationType": "PERIODIC",
        "applicationFrequency": "P1M",
        "interestPaymentDue": "IN_ARREARS",
        "repaymentType": "PRINCIPAL_AND_INTEREST",
        "loanPurpose": "OWNER_OCCUPIED",
        "additionalInfo": "Low Rate Essentials - > 50% - <= 60% LVR"
      },
      {
        "lendingRateType": "VARIABLE",
        "rate": "0.0619",
        "comparisonRate": "0.0621",
        "applicationType": "PERIODIC",
        "applicationFrequency": "P1M",
        "interestPaymentDue": "IN_ARREARS",
        "repaymentType": "PRINCIPAL_AND_INTEREST",
        "loanPurpose": "OWNER_OCCUPIED",
        "additionalInfo": "Low Rate Essentials - > 60% - <= 70% LVR"
      },
      {
        "lendingRateType": "VARIABLE",
        "rate": "0.0649",
        "comparisonRate": "0.0651",
        "calculationFrequency": "P1D",
        "applicationType": "PERIODIC",
        "applicationFrequency": "P1M",
        "interestPaymentDue": "IN_ARREARS",
        "repaymentType": "PRINCIPAL_AND_INTEREST",
        "loanPurpose": "OWNER_OCCUPIED",
        "additionalInfo": "Low Rate Essentials - > 80% - <= 85% LVR"
      },
      {
        "lendingRateType": "VARIABLE",
        "rate": "0.0644",
        "comparisonRate": "0.0646",
        "calculationFrequency": "P1D",
        "applicationType": "PERIODIC",
        "applicationFrequency": "P1M",
        "interestPaymentDue": "IN_ARREARS",
        "repaymentType": "PRINCIPAL_AND_INTEREST",
        "loanPurpose": "OWNER_OCCUPIED",
        "additionalInfo": "Low Rate Essentials - >70% - <= 80% LVR"
      },
      {
        "lendingRateType": "VARIABLE",
        "rate": "0.0675",
        "comparisonRate": "0.0677",
        "calculationFrequency": "P1D",
        "applicationType": "PERIODIC",
        "applicationFrequency": "P1M",
        "interestPaymentDue": "IN_ARREARS",
        "repaymentType": "PRINCIPAL_AND_INTEREST",
        "loanPurpose": "OWNER_OCCUPIED",
        "additionalInfo": "Low Rate Essentials - >85%  - <= 95% LVR"
      }
    ]
  }
}