{
  "snapshot_at": "2026-11-05T03:09:04Z",
  "brand": "Horizon Bank",
  "brand_slug": "horizon-bank",
  "product_id": "L2_HomeLoan",
  "cdr_url": "https://onlinebanking.horizonbank.com.au/openbanking/cds-au/v1/banking/products/L2_HomeLoan",
  "x_v": 7,
  "how_to_fetch": "curl -H 'x-v: 7' 'https://onlinebanking.horizonbank.com.au/openbanking/cds-au/v1/banking/products/L2_HomeLoan'",
  "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": "NPP_ENABLED"
      },
      {
        "featureType": "OFFSET"
      },
      {
        "featureType": "EXTRA_REPAYMENTS"
      }
    ],
    "constraints": [
      {
        "constraintType": "MIN_BALANCE",
        "additionalValue": "50000.00"
      },
      {
        "constraintType": "MAX_LVR",
        "additionalValue": "0.95"
      }
    ],
    "eligibility": [
      {
        "eligibilityType": "NATURAL_PERSON"
      }
    ],
    "fees": [
      {
        "name": "150_ANNUAL_FEE",
        "feeType": "PERIODIC",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "150.00"
        },
        "currency": "AUD",
        "additionalValue": "P1Y"
      },
      {
        "name": "150_OFFSET_FEE",
        "feeType": "PERIODIC",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "150.00"
        },
        "currency": "AUD",
        "additionalValue": "P1Y",
        "additionalInfo": "Only payable if OFFSET feature enabled"
      },
      {
        "name": "350_ESTABLISHMENT_FEE",
        "feeType": "UPFRONT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "350.00"
        },
        "currency": "AUD"
      },
      {
        "name": "LEGAL_AND_VALUATION_FEES",
        "feeType": "CASH_ADVANCE",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "0.00"
        },
        "currency": "AUD",
        "additionalInfo": "Third party costs including solicitors, valuers, agent fees & government charges including stamp duty, registration and any other fees we incur as applicable."
      },
      {
        "name": "OTHER_FEES_AND_CHARGES_MAY_APPLY",
        "feeType": "CASH_ADVANCE",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "0.00"
        },
        "currency": "AUD",
        "additionalInfo": "A full list of fees and charges will be provided if loan is approved. Visit: https://horizonbank.com.au/more/important-info/fees-and-charges/"
      }
    ],
    "lendingRates": [
      {
        "lendingRateType": "DISCOUNT",
        "rate": "0.0614",
        "comparisonRate": "0.0685",
        "calculationFrequency": "P1D",
        "applicationType": "PERIODIC",
        "applicationFrequency": "P1M",
        "interestPaymentDue": "IN_ARREARS",
        "repaymentType": "PRINCIPAL_AND_INTEREST",
        "loanPurpose": "OWNER_OCCUPIED",
        "tiers": [
          {
            "name": "<=70% LVR - Discount",
            "unitOfMeasure": "PERCENT",
            "minimumValue": "0.000100",
            "maximumValue": "0.700000",
            "rateApplicationMethod": "WHOLE_BALANCE",
            "additionalInfo": "LVR <=70%"
          }
        ],
        "additionalValue": "Special Discount Rate is available for new business only. Indicated rate is for the first 2 years only.",
        "additionalInfo": "For Owner Occupier loan purpose with Principal and Interest repayments. The comparison rate is based on a $150,000 secured loan for a term of twenty five years for all home loans. WARNING: This comparison rate is true only for the examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate.",
        "additionalInfoUri": "https://horizonbank.com.au/help/rates-fees/interest-rates#Text-922a3-Home_Loans"
      },
      {
        "lendingRateType": "DISCOUNT",
        "rate": "0.0629",
        "comparisonRate": "0.07",
        "calculationFrequency": "P1D",
        "applicationType": "PERIODIC",
        "applicationFrequency": "P1M",
        "interestPaymentDue": "IN_ARREARS",
        "repaymentType": "PRINCIPAL_AND_INTEREST",
        "loanPurpose": "OWNER_OCCUPIED",
        "tiers": [
          {
            "name": ">70% LVR - Discount",
            "unitOfMeasure": "PERCENT",
            "minimumValue": "0.700100",
            "maximumValue": "0.900000",
            "rateApplicationMethod": "WHOLE_BALANCE",
            "additionalInfo": "LVR >70%"
          }
        ],
        "additionalValue": "Special Discount Rate is available for new business only. Indicated rate is for the first 2 years only.",
        "additionalInfo": "For Owner Occupier loan purpose with Principal and Interest repayments. The comparison rate is based on a $150,000 secured loan for a term of twenty five years for all home loans. WARNING: This comparison rate is true only for the examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate.",
        "additionalInfoUri": "https://horizonbank.com.au/loans/owner-occupied-loans/home-sweet-home-loan#Text-dd5b1-Interest_Rates"
      },
      {
        "lendingRateType": "VARIABLE",
        "rate": "0.0674",
        "comparisonRate": "0.0697",
        "calculationFrequency": "P1D",
        "applicationType": "PERIODIC",
        "applicationFrequency": "P1M",
        "interestPaymentDue": "IN_ARREARS",
        "repaymentType": "PRINCIPAL_AND_INTEREST",
        "loanPurpose": "OWNER_OCCUPIED",
        "tiers": [
          {
            "name": "<=70% LVR - Standard",
            "unitOfMeasure": "PERCENT",
            "minimumValue": "0.000100",
            "maximumValue": "0.700000",
            "rateApplicationMethod": "WHOLE_BALANCE",
            "additionalInfo": "LVR <=70%"
          }
        ],
        "additionalInfo": "For Owner Occupier loan purpose with Principal and Interest repayments. The comparison rate is based on a $150,000 secured loan for a term of twenty five years for all home loans. WARNING: This comparison rate is true only for the examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate.",
        "additionalInfoUri": "https://horizonbank.com.au/loans/owner-occupied-loans/home-sweet-home-loan#Text-dd5b1-Interest_Rates"
      },
      {
        "lendingRateType": "VARIABLE",
        "rate": "0.0689",
        "comparisonRate": "0.0712",
        "calculationFrequency": "P1D",
        "applicationType": "PERIODIC",
        "applicationFrequency": "P1M",
        "interestPaymentDue": "IN_ARREARS",
        "repaymentType": "PRINCIPAL_AND_INTEREST",
        "loanPurpose": "OWNER_OCCUPIED",
        "tiers": [
          {
            "name": ">70% LVR - Standard",
            "unitOfMeasure": "PERCENT",
            "minimumValue": "0.700100",
            "maximumValue": "0.900000",
            "rateApplicationMethod": "WHOLE_BALANCE",
            "additionalInfo": "LVR >70%"
          }
        ],
        "additionalInfo": "For Owner Occupier loan purpose with Principal and Interest repayments. The comparison rate is based on a $150,000 secured loan for a term of twenty five years for all home loans. WARNING: This comparison rate is true only for the examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate.",
        "additionalInfoUri": "https://horizonbank.com.au/loans/owner-occupied-loans/home-sweet-home-loan#Text-dd5b1-Interest_Rates"
      }
    ],
    "productCategory": "RESIDENTIAL_MORTGAGES",
    "productId": "L2_HomeLoan",
    "effectiveFrom": "2021-02-01T00:00:00.000+11:00",
    "lastUpdated": "2026-11-04T10:58:53.000+11:00",
    "name": "Home Sweet Home Loan",
    "description": "A variable home loan that ideal for both experienced and first home buyers.",
    "brand": "HORIZON BANK",
    "brandName": "HORIZON BANK",
    "applicationUri": "https://forms.unpz.au/form?id=0e59f9ae8f4709bdb38e0606359b4f09:d46ce3a8-1726-4fd2-b451-23157ea36e6a",
    "isTailored": false,
    "additionalInformation": {
      "overviewUri": "https://horizonbank.com.au/loans/owner-occupied-loan/home-sweet-home-loan/",
      "termsUri": "https://horizonbank.com.au/about-us/corporate-information/disclosure-documents/",
      "feesAndPricingUri": "https://horizonbank.com.au/help/rates-fees/fees-and-charges/"
    }
  }
}