{
  "snapshot_at": "2026-11-13T01:22:22Z",
  "brand": "Liberty Financial",
  "brand_slug": "liberty-financial",
  "product_id": "dc42beab-44d7-400b-81eb-adac350f6e6a",
  "cdr_url": "https://services.liberty.com.au/api/data-holder-public/cds-au/v1/banking/products/dc42beab-44d7-400b-81eb-adac350f6e6a",
  "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/dc42beab-44d7-400b-81eb-adac350f6e6a'",
  "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": "OFFSET",
        "additionalValue": null,
        "additionalInfo": "100% offset facility with Visa Debit card. Any available redraw funds held in the offset facility connected with your loan account will be used to reduce the amount of interest you pay on your loan.",
        "additionalInfoUri": null
      },
      {
        "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": "$0 for loans with <= 4 splits. Additional fee of $495 applies for loans with > 4 splits.",
        "additionalInfoUri": null
      },
      {
        "featureType": "OTHER",
        "additionalValue": "Principal and interest",
        "additionalInfo": "Standard repayment option covering both principal and interest",
        "additionalInfoUri": null
      },
      {
        "featureType": "OTHER",
        "additionalValue": "Flexible repayment frequency",
        "additionalInfo": "Repay weekly, fortnightly, monthly",
        "additionalInfoUri": null
      },
      {
        "featureType": "OTHER",
        "additionalValue": "Fixed rate options",
        "additionalInfo": "Fixed rates available on request. Offset, redraw, BPAY and third party account transfers not available on fixed rate products.",
        "additionalInfoUri": null
      },
      {
        "featureType": "OTHER",
        "additionalValue": "Rate lock options",
        "additionalInfo": "Rate Lock option available at $900 (non refundable) to lock the fixed rate for 90 days from date of payment (must be before formal approval).",
        "additionalInfoUri": null
      }
    ],
    "constraints": [
      {
        "constraintType": "MAX_LVR",
        "additionalValue": "0.98",
        "additionalInfo": "The Scheme allows first home home buyers to borrow up to 95% or 98% for a single parent or legal guardian without paying Lenders Mortgage Insurance (LMI)",
        "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": "30 years",
        "additionalInfo": null,
        "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": "EMPLOYMENT_STATUS",
        "additionalValue": "Self-employed & PAYG",
        "additionalInfo": "Self-employed & PAYG applicants 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": "Other fees, charges and commissions may apply.",
        "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": "Valuation fee not applicable for loans under 90% LVR. 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": "Annual fee",
        "feeType": "PERIODIC",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "295.00"
        },
        "rateBased": null,
        "variable": null,
        "feeCap": null,
        "feeCapPeriod": null,
        "currency": "AUD",
        "additionalValue": "P1Y",
        "additionalInfo": "Ongoing annual fee $295",
        "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": "Fixed rate lock fee",
        "feeType": "UPFRONT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "900.00"
        },
        "rateBased": null,
        "variable": null,
        "feeCap": null,
        "feeCapPeriod": null,
        "currency": "AUD",
        "additionalValue": null,
        "additionalInfo": "Rate Lock option available at $900 (non refundable) to lock the fixed rate for 90 days from date of payment (must be before formal approval).",
        "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
      }
    ],
    "depositRates": [],
    "lendingRates": [
      {
        "lendingRateType": "VARIABLE",
        "rate": "0.075900",
        "comparisonRate": "0.078600",
        "calculationFrequency": null,
        "applicationType": "PERIODIC",
        "applicationFrequency": "P1M",
        "interestPaymentDue": null,
        "repaymentType": "PRINCIPAL_AND_INTEREST",
        "loanPurpose": "OWNER_OCCUPIED",
        "tiers": null,
        "applicabilityConditions": null,
        "additionalValue": null,
        "additionalInfo": null,
        "additionalInfoUri": null
      }
    ],
    "productId": "dc42beab-44d7-400b-81eb-adac350f6e6a",
    "effectiveFrom": "2026-11-13T00:00:00Z",
    "effectiveTo": "9999-12-30T13:00:00Z",
    "lastUpdated": "2026-11-13T00:00:00Z",
    "productCategory": "RESIDENTIAL_MORTGAGES",
    "name": "Australian Government 5% Deposit Scheme",
    "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://www.liberty.com.au/home-loans/australian-government-5-deposit-scheme",
      "termsUri": null,
      "eligibilityUri": null,
      "feesAndPricingUri": null,
      "bundleUri": null,
      "additionalOverviewUris": null,
      "additionalTermsUris": null,
      "additionalEligibilityUris": null,
      "additionalFeesAndPricingUris": null,
      "additionalBundleUris": null
    },
    "cardArt": null
  }
}