{
  "snapshot_at": "2026-11-13T01:21:53Z",
  "brand": "Greater Bank",
  "brand_slug": "greater-bank",
  "product_id": "3285",
  "cdr_url": "https://public.cdr.greater.com.au/cds-au/v1/banking/products/3285",
  "x_v": 7,
  "how_to_fetch": "curl -H 'x-v: 7' 'https://public.cdr.greater.com.au/cds-au/v1/banking/products/3285'",
  "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": {
    "brand": "GB",
    "description": "Basic home loan",
    "isTailored": false,
    "lastUpdated": "2026-11-12T13:00:00Z",
    "name": "Discounted Great Rate Home Loan - Variable Owner Occupied",
    "productCategory": "RESIDENTIAL_MORTGAGES",
    "productId": "3285",
    "additionalInformation": {
      "overviewUri": "https://www.greater.com.au/personal/home-loans/great-rate-home-loan",
      "termsUri": "https://www.greater.com.au/termsandconditions",
      "eligibilityUri": null,
      "feesAndPricingUri": "https://www.greater.com.au/siteassets/calculators-rate-and-support/documents/disclosure-documents/fees-and-charges/lending-fees-and-charges",
      "bundleUri": null,
      "additionalOverviewUris": null,
      "additionalTermsUris": null,
      "additionalEligibilityUris": null,
      "additionalFeesAndPricingUris": null,
      "additionalBundleUris": null
    },
    "applicationUri": null,
    "brandName": "Greater Bank",
    "brandGroup": null,
    "cardArt": null,
    "effectiveFrom": "2008-09-14T14:00:00Z",
    "effectiveTo": "9999-12-29T13:00:00Z",
    "bundles": null,
    "constraints": [
      {
        "constraintType": "MIN_LIMIT",
        "additionalInfo": null,
        "additionalInfoUri": null,
        "additionalValue": "150000.00"
      },
      {
        "constraintType": "MAX_LVR",
        "additionalInfo": "Maximum LVR for Principal and Interest loans.",
        "additionalInfoUri": null,
        "additionalValue": "0.80"
      }
    ],
    "depositRates": null,
    "eligibility": [
      {
        "eligibilityType": "OTHER",
        "additionalInfo": "Applicants must meet applicable identification requirements and lending criteria, including demonstrating an ability to afford repayments.",
        "additionalInfoUri": null,
        "additionalValue": null
      },
      {
        "eligibilityType": "MIN_AGE",
        "additionalInfo": "Minimum cardholder age 16 years​",
        "additionalInfoUri": null,
        "additionalValue": "18"
      },
      {
        "eligibilityType": "RESIDENCY_STATUS",
        "additionalInfo": null,
        "additionalInfoUri": null,
        "additionalValue": "Australian Residents only"
      },
      {
        "eligibilityType": "NATURAL_PERSON",
        "additionalInfo": null,
        "additionalInfoUri": null,
        "additionalValue": null
      }
    ],
    "features": [
      {
        "featureType": "CASHBACK_OFFER",
        "additionalInfo": "Switching to Greater Bank could score you up to $2,500 cashback. Applicable for eligible owner occupied and investment home loans. $2,000 cashback for loans ≥$250,000 with LVR of less than or equal to 80%, or $2,500 cashback for loans ≥$500,000 with LVR of less than or equal to 80%. Only one (1) Cashback Payment per eligible loan, and for first eligible loan only. Not available in conjunction with any other promotional payment. Offer may be varied or withdrawn at any time. See the full Cashback Offer Terms and Conditions. Terms, conditions, fees, charges and credit criteria apply.",
        "additionalInfoUri": "https://www.greater.com.au/cashback",
        "additionalValue": "2500.00"
      },
      {
        "featureType": "CASHBACK_OFFER",
        "additionalInfo": "First Home Buyer offer for eligible loans used wholly or predominantly to purchase a residentially secured owner occupied loan. Under the Offer, the following payment will be paid to the Eligible Borrower(s), subject to the terms and conditions: a. A cashback payment of $2,500 for applications greater than $250,000 with a Loan to Value Ratio (LVR) of equal to or less than 95%.",
        "additionalInfoUri": "https://www.greater.com.au/first-home-buyer-offer-terms-and-conditions",
        "additionalValue": "2500.00"
      },
      {
        "featureType": "CASHBACK_OFFER",
        "additionalInfo": "Online cashback offer available on eligible loans for applications submitted through our online application channel. See offer terms and conditions for details.",
        "additionalInfoUri": "https://www.greater.com.au/personal/loans/home-loans/digital-home-loan/#offer",
        "additionalValue": "2,500-3,000"
      },
      {
        "featureType": "GUARANTOR",
        "additionalInfo": null,
        "additionalInfoUri": null,
        "additionalValue": null
      },
      {
        "featureType": "OTHER",
        "additionalInfo": "Split Loan",
        "additionalInfoUri": null,
        "additionalValue": null
      },
      {
        "featureType": "NOTIFICATIONS",
        "additionalInfo": "Receive notification from bank of your nominated transactions (e.g. low account balance warning; credits over $500)",
        "additionalInfoUri": null,
        "additionalValue": "SMS or Email"
      },
      {
        "featureType": "REDRAW",
        "additionalInfo": "Fee free redraw via Online Banking.  $30 fee for over the counter redraw.",
        "additionalInfoUri": null,
        "additionalValue": null
      },
      {
        "featureType": "DIGITAL_BANKING",
        "additionalInfo": null,
        "additionalInfoUri": null,
        "additionalValue": null
      },
      {
        "featureType": "EXTRA_REPAYMENTS",
        "additionalInfo": null,
        "additionalInfoUri": null,
        "additionalValue": null
      }
    ],
    "fees": [
      {
        "feeType": "EVENT",
        "name": "Registration fee",
        "additionalInfo": "Fee amount will be variable, calculated if and when applicable. Payable when we register any documents in relation to a security.",
        "additionalInfoUri": null,
        "additionalValue": null,
        "currency": "AUD",
        "discounts": null,
        "feeMethodUType": "variable",
        "fixedAmount": null,
        "rateBased": null,
        "variable": {
          "feeMinimum": null,
          "feeMaximum": null
        },
        "feeCap": null,
        "feeCapPeriod": null
      },
      {
        "feeType": "EVENT",
        "name": "Progress inspection fee",
        "additionalInfo": "Fee amount will be variable, calculated if and when applicable. Payable when we arrange for a progress inspection to be performed.",
        "additionalInfoUri": null,
        "additionalValue": null,
        "currency": "AUD",
        "discounts": null,
        "feeMethodUType": "variable",
        "fixedAmount": null,
        "rateBased": null,
        "variable": {
          "feeMinimum": null,
          "feeMaximum": null
        },
        "feeCap": null,
        "feeCapPeriod": null
      },
      {
        "feeType": "EVENT",
        "name": "Property Exchange Australia (PEXA) transaction fee",
        "additionalInfo": "Fee amount will be variable, calculated if and when applicable. Payable when we have to register any documents in relation to a security using PEXA, request information using PEXA, or we process a financial settlement using PEXA. Fees are applied as charged by PEXA",
        "additionalInfoUri": null,
        "additionalValue": null,
        "currency": "AUD",
        "discounts": null,
        "feeMethodUType": "variable",
        "fixedAmount": null,
        "rateBased": null,
        "variable": {
          "feeMinimum": null,
          "feeMaximum": null
        },
        "feeCap": null,
        "feeCapPeriod": null
      },
      {
        "feeType": "EVENT",
        "name": "Mercantile agents fee",
        "additionalInfo": "Fee amount will be variable, calculated if and when applicable. Payable when we instruct a mercantile agent to contact you on our behalf in relation to this loan or a security.",
        "additionalInfoUri": "https://www.greater.com.au/termsandconditions",
        "additionalValue": null,
        "currency": "AUD",
        "discounts": null,
        "feeMethodUType": "variable",
        "fixedAmount": null,
        "rateBased": null,
        "variable": {
          "feeMinimum": null,
          "feeMaximum": null
        },
        "feeCap": null,
        "feeCapPeriod": null
      },
      {
        "feeType": "ENQUIRY",
        "name": "Information fee",
        "additionalInfo": "$20.00 plus $1.00 per page copied. Payable when we provide information or copies to you or a third party that relates to a Security, dealing document, or any record relating to your Contract or loan account (other than information you are entitled to obtain free of charge under the National Credit Code (where applicable)).",
        "additionalInfoUri": null,
        "additionalValue": null,
        "currency": "AUD",
        "discounts": null,
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "20.00"
        },
        "rateBased": null,
        "variable": null,
        "feeCap": null,
        "feeCapPeriod": null
      },
      {
        "feeType": "TRANSACTION",
        "name": "SMS alert fee",
        "additionalInfo": "Charged for each SMS alert that is sent to you notifying you of account balances and/or other nominated transactions.",
        "additionalInfoUri": null,
        "additionalValue": null,
        "currency": "AUD",
        "discounts": null,
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "0.20"
        },
        "rateBased": null,
        "variable": null,
        "feeCap": null,
        "feeCapPeriod": null
      },
      {
        "feeType": "UPFRONT",
        "name": "Settlement processing fee",
        "additionalInfo": "Payable for costs we incur in arranging settlement of the loan",
        "additionalInfoUri": null,
        "additionalValue": null,
        "currency": "AUD",
        "discounts": null,
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "180.00"
        },
        "rateBased": null,
        "variable": null,
        "feeCap": null,
        "feeCapPeriod": null
      },
      {
        "feeType": "UPFRONT",
        "name": "Guarantee fee",
        "additionalInfo": "Payable for each guarantee provided",
        "additionalInfoUri": null,
        "additionalValue": null,
        "currency": "AUD",
        "discounts": null,
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "200.00"
        },
        "rateBased": null,
        "variable": null,
        "feeCap": null,
        "feeCapPeriod": null
      },
      {
        "feeType": "ENQUIRY",
        "name": "Information fee - Per Page",
        "additionalInfo": "Payable when we provide information or copies to you or a third party that relates to a Security, dealing document, or any record relating to your Contract or loan account (other than information you are entitled to obtain free of charge under the National Credit Code (where applicable)).",
        "additionalInfoUri": null,
        "additionalValue": null,
        "currency": "AUD",
        "discounts": null,
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "1.00"
        },
        "rateBased": null,
        "variable": null,
        "feeCap": null,
        "feeCapPeriod": null
      },
      {
        "feeType": "UPFRONT",
        "name": "Title insurance premium",
        "additionalInfo": "Fee amount will be variable, calculated if and when applicable. The amount charged by our title insurer for a lenders title insurance policy.",
        "additionalInfoUri": null,
        "additionalValue": null,
        "currency": "AUD",
        "discounts": null,
        "feeMethodUType": "variable",
        "fixedAmount": null,
        "rateBased": null,
        "variable": {
          "feeMinimum": null,
          "feeMaximum": null
        },
        "feeCap": null,
        "feeCapPeriod": null
      },
      {
        "feeType": "EVENT",
        "name": "Government charges",
        "additionalInfo": "Charges will be variable, calculated if and when applicable. These charges include Withholding Tax, Registration Fees on security documents and Stamp Duty. For Contracts Regulated by the National Credit Code, the only fees and charges that are payable are those set out in that contract (as varied from time to time).",
        "additionalInfoUri": "https://www.greater.com.au/termsandconditions",
        "additionalValue": null,
        "currency": "AUD",
        "discounts": null,
        "feeMethodUType": "variable",
        "fixedAmount": null,
        "rateBased": null,
        "variable": {
          "feeMinimum": null,
          "feeMaximum": null
        },
        "feeCap": null,
        "feeCapPeriod": null
      },
      {
        "feeType": "WITHDRAWAL",
        "name": "Construction Loan Draw Down Fee",
        "additionalInfo": "Payable when we make a progress payment pursuant to your loan contract",
        "additionalInfoUri": null,
        "additionalValue": null,
        "currency": "AUD",
        "discounts": null,
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "80.00"
        },
        "rateBased": null,
        "variable": null,
        "feeCap": null,
        "feeCapPeriod": null
      },
      {
        "feeType": "WITHDRAWAL",
        "name": "EasyPay notification fee - SMS",
        "additionalInfo": null,
        "additionalInfoUri": null,
        "additionalValue": null,
        "currency": "AUD",
        "discounts": null,
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "0.20"
        },
        "rateBased": null,
        "variable": null,
        "feeCap": null,
        "feeCapPeriod": null
      },
      {
        "feeType": "LATE_PAYMENT",
        "name": "Default Administration Fee",
        "additionalInfo": "In default by an amount that is less than 2 repayments $20.00, otherwise $50.00. ",
        "additionalInfoUri": "https://www.greater.com.au/legal/disclosure-documents",
        "additionalValue": null,
        "currency": "AUD",
        "discounts": null,
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "50.00"
        },
        "rateBased": null,
        "variable": null,
        "feeCap": null,
        "feeCapPeriod": null
      },
      {
        "feeType": "DEPOSIT",
        "name": "Foreign currency deposit fee",
        "additionalInfo": null,
        "additionalInfoUri": null,
        "additionalValue": null,
        "currency": "AUD",
        "discounts": null,
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "5.00"
        },
        "rateBased": null,
        "variable": null,
        "feeCap": null,
        "feeCapPeriod": null
      },
      {
        "feeType": "UPFRONT",
        "name": "Additional loan / Top Up fee",
        "additionalInfo": "$350 payable when you apply for an additional home loan or increase your borrowings (using only your existing security) plus $250 for each additional security",
        "additionalInfoUri": null,
        "additionalValue": null,
        "currency": "AUD",
        "discounts": null,
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "350.00"
        },
        "rateBased": null,
        "variable": null,
        "feeCap": null,
        "feeCapPeriod": null
      },
      {
        "feeType": "WITHDRAWAL",
        "name": "Bank transfer fee",
        "additionalInfo": "Applicable when receiving an inward RTGS (Real time gross settlement)",
        "additionalInfoUri": null,
        "additionalValue": null,
        "currency": "AUD",
        "discounts": null,
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "8.00"
        },
        "rateBased": null,
        "variable": null,
        "feeCap": null,
        "feeCapPeriod": null
      },
      {
        "feeType": "EVENT",
        "name": "Legal fee",
        "additionalInfo": "Fee amount will be variable, calculated if and when applicable. Payable when (or after) we make the amount of credit available to you for any costs and disbursements we have to pay a solicitor or conveyancer for acting for us in relation to this loan",
        "additionalInfoUri": "https://www.greater.com.au/termsandconditions",
        "additionalValue": null,
        "currency": "AUD",
        "discounts": null,
        "feeMethodUType": "variable",
        "fixedAmount": null,
        "rateBased": null,
        "variable": {
          "feeMinimum": null,
          "feeMaximum": null
        },
        "feeCap": null,
        "feeCapPeriod": null
      },
      {
        "feeType": "UPFRONT",
        "name": "Mortgage Insurance Premium Fee",
        "additionalInfo": "Fee amount will be variable, calculated if and when applicable. The amount charged by our mortgage insurer for a lenders mortgage insurance policy.",
        "additionalInfoUri": "https://www.greater.com.au/termsandconditions",
        "additionalValue": null,
        "currency": "AUD",
        "discounts": null,
        "feeMethodUType": "variable",
        "fixedAmount": null,
        "rateBased": null,
        "variable": {
          "feeMinimum": null,
          "feeMaximum": null
        },
        "feeCap": null,
        "feeCapPeriod": null
      },
      {
        "feeType": "VARIATION",
        "name": "Conversion fee - Switch to any other loan type",
        "additionalInfo": "$350 payable when you change the type or structure of your loan without borrowing more e.g. changing loan products, switching from fixed to variable or changing between Principal & Interest and Interest Only repayments. If more than one loan is being converted at the same time each additional loan converted will attract a reduced fee of $250. No conversion fee to switch to an Ultimate Home Loan",
        "additionalInfoUri": "https://www.greater.com.au/termsandconditions",
        "additionalValue": null,
        "currency": "AUD",
        "discounts": null,
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "350.00"
        },
        "rateBased": null,
        "variable": null,
        "feeCap": null,
        "feeCapPeriod": null
      },
      {
        "feeType": "WITHDRAWAL",
        "name": "Redraw over-the-counter fee",
        "additionalInfo": "Each time you re-borrow money by making written application to any branch of Greater Bank Ltd.",
        "additionalInfoUri": "https://www.greater.com.au/termsandconditions",
        "additionalValue": null,
        "currency": "AUD",
        "discounts": null,
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "30.00"
        },
        "rateBased": null,
        "variable": null,
        "feeCap": null,
        "feeCapPeriod": null
      },
      {
        "feeType": "VARIATION",
        "name": "Administration fee",
        "additionalInfo": "Payable when we consent to any subdivision, lease, discharge, partial discharge, change of name, release of a Security, changing a policy of lenders mortgage insurance, creation of subsequent Security Interest or any dealing in relation to a Security.",
        "additionalInfoUri": null,
        "additionalValue": null,
        "currency": "AUD",
        "discounts": null,
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "350.00"
        },
        "rateBased": null,
        "variable": null,
        "feeCap": null,
        "feeCapPeriod": null
      },
      {
        "feeType": "LATE_PAYMENT",
        "name": "Default notice fee",
        "additionalInfo": "Payable when we send you a notice informing you of a default under this contract",
        "additionalInfoUri": null,
        "additionalValue": null,
        "currency": "AUD",
        "discounts": null,
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "50.00"
        },
        "rateBased": null,
        "variable": null,
        "feeCap": null,
        "feeCapPeriod": null
      },
      {
        "feeType": "EXIT",
        "name": "Discharge administration fee",
        "additionalInfo": "A Discharge Administration fee is payable when you request us to close your loan account, or produce title deeds at settlement. If Greater Bank incurs any costs associated when doing this, the cost will also be passed on to you.",
        "additionalInfoUri": null,
        "additionalValue": null,
        "currency": "AUD",
        "discounts": null,
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "300.00"
        },
        "rateBased": null,
        "variable": null,
        "feeCap": null,
        "feeCapPeriod": null
      },
      {
        "feeType": "UPFRONT",
        "name": "Establishment fee",
        "additionalInfo": "$500.00 based on one security plus $250.00 for each additional security.",
        "additionalInfoUri": "https://www.greater.com.au/termsandconditions",
        "additionalValue": null,
        "currency": "AUD",
        "discounts": null,
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "500.00"
        },
        "rateBased": null,
        "variable": null,
        "feeCap": null,
        "feeCapPeriod": null
      },
      {
        "feeType": "EVENT",
        "name": "Law stationers fee",
        "additionalInfo": "Fee amount will be variable, calculated if and when applicable. Payable when a third party agent acts for or otherwise assists us in relation to (including when we request information in respect of a security or any other matter in connection with) your contract with us or a security.",
        "additionalInfoUri": "https://www.greater.com.au/termsandconditions",
        "additionalValue": null,
        "currency": "AUD",
        "discounts": null,
        "feeMethodUType": "variable",
        "fixedAmount": null,
        "rateBased": null,
        "variable": {
          "feeMinimum": null,
          "feeMaximum": null
        },
        "feeCap": null,
        "feeCapPeriod": null
      },
      {
        "feeType": "WITHDRAWAL",
        "name": "EasyPay notification fee - Letter",
        "additionalInfo": null,
        "additionalInfoUri": null,
        "additionalValue": null,
        "currency": "AUD",
        "discounts": null,
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "8.00"
        },
        "rateBased": null,
        "variable": null,
        "feeCap": null,
        "feeCapPeriod": null
      }
    ],
    "lendingRates": [
      {
        "lendingRateType": "VARIABLE",
        "rate": "0.0634",
        "additionalInfo": "Discounted rates include a discount on Home Loans of $150,000 or over and for owner occupied Home Loans with an LVR 80% or below and for investment Home Loan with an LVR 80% or below and apply to new borrowings only. Discounted rate not available for Line of Credit facilities.",
        "additionalInfoUri": null,
        "additionalValue": null,
        "applicationFrequency": "P1M",
        "calculationFrequency": "P1D",
        "comparisonRate": "0.0635",
        "interestPaymentDue": "IN_ARREARS",
        "loanPurpose": "OWNER_OCCUPIED",
        "repaymentType": "PRINCIPAL_AND_INTEREST",
        "tiers": null,
        "applicabilityConditions": null,
        "applicationType": "PERIODIC"
      }
    ],
    "instalments": null
  }
}