{
  "snapshot_at": "2026-11-13T01:22:22Z",
  "brand": "Liberty Financial",
  "brand_slug": "liberty-financial",
  "product_id": "05501e53-ad4f-4396-9a0a-0fa3c6b8daee",
  "cdr_url": "https://services.liberty.com.au/api/data-holder-public/cds-au/v1/banking/products/05501e53-ad4f-4396-9a0a-0fa3c6b8daee",
  "x_v": 7,
  "how_to_fetch": "curl -H 'x-v: 7' 'https://services.liberty.com.au/api/data-holder-public/cds-au/v1/banking/products/05501e53-ad4f-4396-9a0a-0fa3c6b8daee'",
  "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": {
    "bundles": [],
    "features": [
      {
        "featureType": "BILL_PAYMENT",
        "additionalValue": "BPAY",
        "additionalInfo": "BPAY payment facility available",
        "additionalInfoUri": null
      },
      {
        "featureType": "REDRAW",
        "additionalValue": null,
        "additionalInfo": "Free online redraw",
        "additionalInfoUri": null
      },
      {
        "featureType": "EXTRA_REPAYMENTS",
        "additionalValue": null,
        "additionalInfo": "Additional repayments allowed",
        "additionalInfoUri": null
      },
      {
        "featureType": "OTHER",
        "additionalValue": "Third party account transfers",
        "additionalInfo": "Transfer funds to third party accounts",
        "additionalInfoUri": null
      },
      {
        "featureType": "OTHER",
        "additionalValue": "Split loans",
        "additionalInfo": "$495 fee applies for loans with more than 4 splits.",
        "additionalInfoUri": null
      },
      {
        "featureType": "OTHER",
        "additionalValue": "Principal and interest",
        "additionalInfo": "Standard repayment option covering both principal and interest",
        "additionalInfoUri": null
      },
      {
        "featureType": "OTHER",
        "additionalValue": "Interest only",
        "additionalInfo": "Interest Only loans are subject to LVR restrictions and interest rates are higher than the advertised interest rates.",
        "additionalInfoUri": null
      },
      {
        "featureType": "OTHER",
        "additionalValue": "Flexible repayment frequency",
        "additionalInfo": "Repay weekly, fortnightly, monthly",
        "additionalInfoUri": null
      },
      {
        "featureType": "OTHER",
        "additionalValue": "Unlimited debt consolidation",
        "additionalInfo": "Loan can be used for unlimited debt consolidation",
        "additionalInfoUri": null
      },
      {
        "featureType": "OTHER",
        "additionalValue": "Paid and unpaid defaults",
        "additionalInfo": "Paid and unpaid defaults considered",
        "additionalInfoUri": null
      },
      {
        "featureType": "OTHER",
        "additionalValue": "Mortgage arrears",
        "additionalInfo": "Mortgage arrears considered",
        "additionalInfoUri": null
      },
      {
        "featureType": "OTHER",
        "additionalValue": "Past bankruptcy",
        "additionalInfo": "Past bankruptcy considered",
        "additionalInfoUri": null
      }
    ],
    "constraints": [
      {
        "constraintType": "MAX_LVR",
        "additionalValue": "0.85",
        "additionalInfo": "Borrow up to 85% of purchase price. Higher interest rates may apply. The actual interest rate applicable will depend on our assessment criteria and the loan to value ratio.",
        "additionalInfoUri": null
      },
      {
        "constraintType": "MAX_LIMIT",
        "additionalValue": "10000000.00",
        "additionalInfo": "Subject to LVR and postcode restrictions.",
        "additionalInfoUri": null
      },
      {
        "constraintType": "MIN_LIMIT",
        "additionalValue": "50000.00",
        "additionalInfo": "Minimum loan amount of $50,000",
        "additionalInfoUri": null
      },
      {
        "constraintType": "OTHER",
        "additionalValue": "10-40 years",
        "additionalInfo": "Loan terms >30 years are subject to an interest rate loading of 0.25%. Lending criteria applies.",
        "additionalInfoUri": null
      }
    ],
    "eligibility": [
      {
        "eligibilityType": "NATURAL_PERSON",
        "additionalValue": "Individuals",
        "additionalInfo": null,
        "additionalInfoUri": null
      },
      {
        "eligibilityType": "RESIDENCY_STATUS",
        "additionalValue": "Australian citizen/resident",
        "additionalInfo": "At least one applicant must reside in Australia",
        "additionalInfoUri": null
      },
      {
        "eligibilityType": "BUSINESS",
        "additionalValue": "Non-individual borrowers",
        "additionalInfo": "Corporate trustees for family trusts",
        "additionalInfoUri": null
      },
      {
        "eligibilityType": "EMPLOYMENT_STATUS",
        "additionalValue": "Self-employed & PAYG",
        "additionalInfo": "Self-employed & PAYG applicants accepted",
        "additionalInfoUri": null
      },
      {
        "eligibilityType": "OTHER",
        "additionalValue": "Professional Investor",
        "additionalInfo": "Professional Investors accepted",
        "additionalInfoUri": null
      }
    ],
    "fees": [
      {
        "name": "Application fee",
        "feeType": "UPFRONT",
        "feeMethodUType": "variable",
        "fixedAmount": null,
        "rateBased": null,
        "variable": {
          "feeMinimum": "0.00",
          "feeMaximum": "995.00"
        },
        "feeCap": null,
        "feeCapPeriod": null,
        "currency": "AUD",
        "additionalValue": null,
        "additionalInfo": null,
        "additionalInfoUri": null,
        "discounts": null
      },
      {
        "name": "Valuation fee",
        "feeType": "UPFRONT",
        "feeMethodUType": "variable",
        "fixedAmount": null,
        "rateBased": null,
        "variable": {
          "feeMinimum": "0.00",
          "feeMaximum": null
        },
        "feeCap": null,
        "feeCapPeriod": null,
        "currency": "AUD",
        "additionalValue": null,
        "additionalInfo": "Additional valuation expenses may be payable where the anticipated security property value is >$1.5m, where the security property is in a regional location or for additional securities.",
        "additionalInfoUri": null,
        "discounts": null
      },
      {
        "name": "Settlement fee",
        "feeType": "UPFRONT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "0.00"
        },
        "rateBased": null,
        "variable": null,
        "feeCap": null,
        "feeCapPeriod": null,
        "currency": "AUD",
        "additionalValue": null,
        "additionalInfo": "Other fees, charges and commissions may apply.",
        "additionalInfoUri": null,
        "discounts": null
      },
      {
        "name": "Monthly fee",
        "feeType": "PERIODIC",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "15.00"
        },
        "rateBased": null,
        "variable": null,
        "feeCap": null,
        "feeCapPeriod": null,
        "currency": "AUD",
        "additionalValue": "P1M",
        "additionalInfo": "Ongoing fee $15 per month",
        "additionalInfoUri": null,
        "discounts": null
      },
      {
        "name": "Manual redraw fee",
        "feeType": "TRANSACTION",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "50.00"
        },
        "rateBased": null,
        "variable": null,
        "feeCap": null,
        "feeCapPeriod": null,
        "currency": "AUD",
        "additionalValue": null,
        "additionalInfo": null,
        "additionalInfoUri": null,
        "discounts": null
      },
      {
        "name": "Discharge fee",
        "feeType": "EXIT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "395.00"
        },
        "rateBased": null,
        "variable": null,
        "feeCap": null,
        "feeCapPeriod": null,
        "currency": "AUD",
        "additionalValue": null,
        "additionalInfo": null,
        "additionalInfoUri": null,
        "discounts": null
      },
      {
        "name": "Professional investor & Company/Trust fee",
        "feeType": "UPFRONT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "995.00"
        },
        "rateBased": null,
        "variable": null,
        "feeCap": null,
        "feeCapPeriod": null,
        "currency": "AUD",
        "additionalValue": null,
        "additionalInfo": "Application fee and interest rate loadings apply for company/trust or professional investor applicants with >=3 properties.",
        "additionalInfoUri": null,
        "discounts": null
      },
      {
        "name": "Equalisation fee",
        "feeType": "UPFRONT",
        "feeMethodUType": "rateBased",
        "fixedAmount": null,
        "rateBased": {
          "rateType": "BALANCE",
          "rate": "0.005000",
          "accrualFrequency": null,
          "amountRange": null
        },
        "variable": null,
        "feeCap": null,
        "feeCapPeriod": null,
        "currency": "AUD",
        "additionalValue": null,
        "additionalInfo": "Starting from 0.5%",
        "additionalInfoUri": null,
        "discounts": null
      }
    ],
    "depositRates": [],
    "lendingRates": [
      {
        "lendingRateType": "VARIABLE",
        "rate": "0.079900",
        "comparisonRate": "0.083400",
        "calculationFrequency": null,
        "applicationType": "PERIODIC",
        "applicationFrequency": "P1M",
        "interestPaymentDue": null,
        "repaymentType": "PRINCIPAL_AND_INTEREST",
        "loanPurpose": "INVESTMENT",
        "tiers": null,
        "applicabilityConditions": null,
        "additionalValue": null,
        "additionalInfo": null,
        "additionalInfoUri": null
      }
    ],
    "productId": "05501e53-ad4f-4396-9a0a-0fa3c6b8daee",
    "effectiveFrom": "2026-11-13T00:00:00Z",
    "effectiveTo": "9999-12-30T13:00:00Z",
    "lastUpdated": "2026-11-13T00:00:00Z",
    "productCategory": "RESIDENTIAL_MORTGAGES",
    "name": "Fresh start investment loan",
    "description": "This product is also referred to as the Liberty Star home loan.",
    "brand": "Liberty Financial",
    "brandName": "Liberty Financial",
    "brandGroup": "Liberty Financial Pty Ltd",
    "applicationUri": null,
    "isTailored": false,
    "additionalInformation": {
      "overviewUri": "https://liberty.com.au/home-loans/fresh-start-investment-loans",
      "termsUri": null,
      "eligibilityUri": null,
      "feesAndPricingUri": null,
      "bundleUri": null,
      "additionalOverviewUris": null,
      "additionalTermsUris": null,
      "additionalEligibilityUris": null,
      "additionalFeesAndPricingUris": null,
      "additionalBundleUris": null
    },
    "cardArt": null
  }
}