{
  "snapshot_at": "2026-11-13T01:22:54Z",
  "brand": "Qantas Money Basic/Offset Home Loans",
  "brand_slug": "qantas-money-basic-offset-home-loans",
  "product_id": "05df6a88-6161-4f02-a25c-cbbe05a16bae",
  "cdr_url": "https://api.qantas.app.bendigobank.com.au/cds-au/v1/banking/products/05df6a88-6161-4f02-a25c-cbbe05a16bae",
  "x_v": 7,
  "how_to_fetch": "curl -H 'x-v: 7' 'https://api.qantas.app.bendigobank.com.au/cds-au/v1/banking/products/05df6a88-6161-4f02-a25c-cbbe05a16bae'",
  "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": "05df6a88-6161-4f02-a25c-cbbe05a16bae",
    "effectiveFrom": "2025-05-25T14:31:00Z",
    "lastUpdated": "2026-11-13T11:52:15+11:00",
    "productCategory": "RESIDENTIAL_MORTGAGES",
    "name": "QANTAS Money Offset Home Loan",
    "description": "For customers who want flexibility to pay down their loan sooner and access additional features such as offset accounts. ",
    "brand": "QANTAS",
    "brandName": "Qantas Money",
    "isTailored": false,
    "additionalInformation": {
      "overviewUri": "https://www.qantasmoney.com/home-loans",
      "termsUri": "https://www.bendigobank.com.au/partner/qantas-money-home-loans/disclosure-documents/",
      "eligibilityUri": "https://www.qantasmoney.com/terms-and-forms/tmd",
      "feesAndPricingUri": "https://www.qantasmoney.com/home-loans"
    },
    "features": [
      {
        "featureType": "OFFSET",
        "additionalInfo": "Up to six 100% Offset Accounts per loan. Full offset if Variable or Fixed. Offsets for QANTAS Money Home Loans must be in the same customer number as the home loan."
      },
      {
        "featureType": "REDRAW",
        "additionalInfo": "Manual & Online redraw available"
      },
      {
        "featureType": "OTHER",
        "additionalInfo": "Monthly repayments"
      },
      {
        "featureType": "EXTRA_REPAYMENTS",
        "additionalInfo": "Unlimited additional repayments if variable, Max $20,000 p.a without penalty for fixed loans "
      },
      {
        "featureType": "BONUS_REWARDS",
        "additionalValue": "100000",
        "additionalInfo": "Qantas Frequent Flyer members will earn 100,000 Qantas Points upon settlement of their Qantas Money Home Loan. Members will earn the annual bonus of 100,000 Qantas Points three months after the settlement anniversary of their Qantas Money Home Loan for up to 30 years. Both upfront and ongoing points will be credited to the member’s Qantas Frequent Flyer account within 8 weeks of the Qantas Points being earned, provided the loan is in compliance with the Qantas Money Home Loans Points Eligibility Policy, not in arrears or default and the loan is not the subject of hardship relief or assistance. For joint applicants, the Qantas Points by default will be awarded to the primary applicant annually unless the primary applicant opts to either split the points between the secondary and primary applicants or award the points in full to the secondary applicant. Limits apply. A member may only take out a loan and earn Qantas Points for up to a maximum of one owner occupied property and five investment properties (depending on individual circumstances). Please contact us if you wish to apply for loans for six properties."
      }
    ],
    "constraints": [
      {
        "constraintType": "MIN_LIMIT",
        "additionalValue": "300000.00"
      },
      {
        "constraintType": "MAX_LVR",
        "additionalValue": "0.95"
      }
    ],
    "eligibility": [
      {
        "eligibilityType": "MIN_AGE",
        "additionalValue": "18"
      },
      {
        "eligibilityType": "OTHER",
        "additionalInfo": "Credit and Lending Criteria, Fees and Charges Apply"
      }
    ],
    "fees": [
      {
        "name": "Establishment Fee",
        "feeType": "UPFRONT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "150.00"
        }
      },
      {
        "name": "Application Fee",
        "feeType": "UPFRONT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "345.00"
        }
      },
      {
        "name": "Security Processing Fee",
        "feeType": "UPFRONT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "0.00"
        }
      },
      {
        "name": "Settlement Service Fee",
        "feeType": "UPFRONT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "345.40"
        }
      },
      {
        "name": "Monthly Service Fee",
        "feeType": "PERIODIC",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "15.00"
        },
        "additionalValue": "P1M"
      },
      {
        "name": "Bank Cheque Fee",
        "feeType": "EVENT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "10.00"
        }
      },
      {
        "name": "Online Redraw Fee",
        "feeType": "EVENT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "0.00"
        }
      },
      {
        "name": "Manual Redraw Fee ",
        "feeType": "EVENT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "0.00"
        },
        "additionalInfo": "Payable each time we agree to a redraw request you make otherwise than through Bendigo e-banking"
      },
      {
        "name": "Duplicate Fee",
        "feeType": "EVENT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "16.50"
        }
      },
      {
        "name": "Default Fee",
        "feeType": "EVENT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "35.00"
        }
      },
      {
        "name": "Variation Fee ",
        "feeType": "EVENT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "250.00"
        }
      },
      {
        "name": "Discharge Administration Fee",
        "feeType": "EXIT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "350.00"
        }
      },
      {
        "name": "Break Cost Fee",
        "feeType": "OTHER",
        "feeMethodUType": "variable",
        "variable": {
          "feeMinimum": "0.00"
        },
        "additionalInfo": "Payable each time any of the following Break Events occur during a Fixed Rate Period: \n• at your request, we agree to change the Annual Percentage Rate under your Contract; \n• you repay your Loan Account balance in full; or \n• you make an additional repayment (by repaying more than your required repayments \nunder your Contract) where the total of all additional repayments you have made \nsince the start of the Fixed Rate Period or, if later, the anniversary of that date, that \nexceeds $20,000.00. "
      }
    ],
    "lendingRates": [
      {
        "lendingRateType": "VARIABLE",
        "rate": "0.0653",
        "comparisonRate": "0.0676",
        "calculationFrequency": "P1D",
        "applicationType": "PERIODIC",
        "applicationFrequency": "P1M",
        "interestPaymentDue": "IN_ARREARS",
        "repaymentType": "PRINCIPAL_AND_INTEREST",
        "loanPurpose": "OWNER_OCCUPIED",
        "tiers": [
          {
            "name": "LVR",
            "unitOfMeasure": "PERCENT",
            "minimumValue": "0",
            "maximumValue": "0.5",
            "rateApplicationMethod": "WHOLE_BALANCE",
            "additionalInfo": "Borrowing up to 50% of the property value"
          }
        ]
      },
      {
        "lendingRateType": "VARIABLE",
        "rate": "0.0658",
        "comparisonRate": "0.0681",
        "calculationFrequency": "P1D",
        "applicationType": "PERIODIC",
        "applicationFrequency": "P1M",
        "interestPaymentDue": "IN_ARREARS",
        "repaymentType": "PRINCIPAL_AND_INTEREST",
        "loanPurpose": "OWNER_OCCUPIED",
        "tiers": [
          {
            "name": "LVR",
            "unitOfMeasure": "PERCENT",
            "minimumValue": "0.5001",
            "maximumValue": "0.6",
            "rateApplicationMethod": "WHOLE_BALANCE",
            "additionalInfo": "Borrowing over 50% to 60% of the property value"
          }
        ]
      },
      {
        "lendingRateType": "VARIABLE",
        "rate": "0.0658",
        "comparisonRate": "0.0681",
        "calculationFrequency": "P1D",
        "applicationType": "PERIODIC",
        "applicationFrequency": "P1M",
        "interestPaymentDue": "IN_ARREARS",
        "repaymentType": "PRINCIPAL_AND_INTEREST",
        "loanPurpose": "OWNER_OCCUPIED",
        "tiers": [
          {
            "name": "LVR",
            "unitOfMeasure": "PERCENT",
            "minimumValue": "0.6001",
            "maximumValue": "0.7",
            "rateApplicationMethod": "WHOLE_BALANCE",
            "additionalInfo": "Borrowing over 60% to 70% of the property value"
          }
        ]
      },
      {
        "lendingRateType": "VARIABLE",
        "rate": "0.0663",
        "comparisonRate": "0.0685",
        "calculationFrequency": "P1D",
        "applicationType": "PERIODIC",
        "applicationFrequency": "P1M",
        "interestPaymentDue": "IN_ARREARS",
        "repaymentType": "PRINCIPAL_AND_INTEREST",
        "loanPurpose": "OWNER_OCCUPIED",
        "tiers": [
          {
            "name": "LVR",
            "unitOfMeasure": "PERCENT",
            "minimumValue": "0.7001",
            "maximumValue": "0.8",
            "rateApplicationMethod": "WHOLE_BALANCE",
            "additionalInfo": "Borrowing over 70% to 80% of the property value"
          }
        ]
      },
      {
        "lendingRateType": "VARIABLE",
        "rate": "0.0678",
        "comparisonRate": "0.07",
        "calculationFrequency": "P1D",
        "applicationType": "PERIODIC",
        "applicationFrequency": "P1M",
        "interestPaymentDue": "IN_ARREARS",
        "repaymentType": "PRINCIPAL_AND_INTEREST",
        "loanPurpose": "OWNER_OCCUPIED",
        "tiers": [
          {
            "name": "LVR",
            "unitOfMeasure": "PERCENT",
            "minimumValue": "0.8001",
            "maximumValue": "0.9",
            "rateApplicationMethod": "WHOLE_BALANCE",
            "additionalInfo": "Borrowing over 80% to 90% of the property value"
          }
        ]
      },
      {
        "lendingRateType": "VARIABLE",
        "rate": "0.0753",
        "comparisonRate": "0.0775",
        "calculationFrequency": "P1D",
        "applicationType": "PERIODIC",
        "applicationFrequency": "P1M",
        "interestPaymentDue": "IN_ARREARS",
        "repaymentType": "PRINCIPAL_AND_INTEREST",
        "loanPurpose": "OWNER_OCCUPIED",
        "tiers": [
          {
            "name": "LVR",
            "unitOfMeasure": "PERCENT",
            "minimumValue": "0.9001",
            "maximumValue": "0.95",
            "rateApplicationMethod": "WHOLE_BALANCE",
            "additionalInfo": "Borrowing over 90% to 95% of the property value"
          }
        ]
      },
      {
        "lendingRateType": "FIXED",
        "rate": "0.0654",
        "comparisonRate": "0.0685",
        "calculationFrequency": "P1D",
        "applicationType": "PERIODIC",
        "applicationFrequency": "P1M",
        "interestPaymentDue": "IN_ARREARS",
        "repaymentType": "PRINCIPAL_AND_INTEREST",
        "loanPurpose": "OWNER_OCCUPIED",
        "tiers": [
          {
            "name": "LVR",
            "unitOfMeasure": "PERCENT",
            "minimumValue": "0",
            "maximumValue": "0.8",
            "rateApplicationMethod": "WHOLE_BALANCE",
            "additionalInfo": "Borrowing up to 80% of the property value"
          }
        ],
        "additionalValue": "P1Y"
      },
      {
        "lendingRateType": "FIXED",
        "rate": "0.0674",
        "comparisonRate": "0.07",
        "calculationFrequency": "P1D",
        "applicationType": "PERIODIC",
        "applicationFrequency": "P1M",
        "interestPaymentDue": "IN_ARREARS",
        "repaymentType": "PRINCIPAL_AND_INTEREST",
        "loanPurpose": "OWNER_OCCUPIED",
        "tiers": [
          {
            "name": "LVR",
            "unitOfMeasure": "PERCENT",
            "minimumValue": "0.8001",
            "maximumValue": "0.9",
            "rateApplicationMethod": "WHOLE_BALANCE",
            "additionalInfo": "Borrowing over 80% to 90% of the property value"
          }
        ],
        "additionalValue": "P1Y"
      },
      {
        "lendingRateType": "FIXED",
        "rate": "0.0674",
        "comparisonRate": "0.0767",
        "calculationFrequency": "P1D",
        "applicationType": "PERIODIC",
        "applicationFrequency": "P1M",
        "interestPaymentDue": "IN_ARREARS",
        "repaymentType": "PRINCIPAL_AND_INTEREST",
        "loanPurpose": "OWNER_OCCUPIED",
        "tiers": [
          {
            "name": "LVR",
            "unitOfMeasure": "PERCENT",
            "minimumValue": "0.9001",
            "maximumValue": "0.95",
            "rateApplicationMethod": "WHOLE_BALANCE",
            "additionalInfo": "Borrowing over 90% to 95% of the property value"
          }
        ],
        "additionalValue": "P1Y"
      },
      {
        "lendingRateType": "FIXED",
        "rate": "0.0654",
        "comparisonRate": "0.0684",
        "calculationFrequency": "P1D",
        "applicationType": "PERIODIC",
        "applicationFrequency": "P1M",
        "interestPaymentDue": "IN_ARREARS",
        "repaymentType": "PRINCIPAL_AND_INTEREST",
        "loanPurpose": "OWNER_OCCUPIED",
        "tiers": [
          {
            "name": "LVR",
            "unitOfMeasure": "PERCENT",
            "minimumValue": "0",
            "maximumValue": "0.8",
            "rateApplicationMethod": "WHOLE_BALANCE",
            "additionalInfo": "Borrowing up to 80% of the property value"
          }
        ],
        "additionalValue": "P2Y"
      },
      {
        "lendingRateType": "FIXED",
        "rate": "0.0674",
        "comparisonRate": "0.07",
        "calculationFrequency": "P1D",
        "applicationType": "PERIODIC",
        "applicationFrequency": "P1M",
        "interestPaymentDue": "IN_ARREARS",
        "repaymentType": "PRINCIPAL_AND_INTEREST",
        "loanPurpose": "OWNER_OCCUPIED",
        "tiers": [
          {
            "name": "LVR",
            "unitOfMeasure": "PERCENT",
            "minimumValue": "0.8001",
            "maximumValue": "0.9",
            "rateApplicationMethod": "WHOLE_BALANCE",
            "additionalInfo": "Borrowing over 80% to 90% of the property value"
          }
        ],
        "additionalValue": "P2Y"
      },
      {
        "lendingRateType": "FIXED",
        "rate": "0.0674",
        "comparisonRate": "0.0759",
        "calculationFrequency": "P1D",
        "applicationType": "PERIODIC",
        "applicationFrequency": "P1M",
        "interestPaymentDue": "IN_ARREARS",
        "repaymentType": "PRINCIPAL_AND_INTEREST",
        "loanPurpose": "OWNER_OCCUPIED",
        "tiers": [
          {
            "name": "LVR",
            "unitOfMeasure": "PERCENT",
            "minimumValue": "0.9001",
            "maximumValue": "0.95",
            "rateApplicationMethod": "WHOLE_BALANCE",
            "additionalInfo": "Borrowing over 90% to 95% of the property value"
          }
        ],
        "additionalValue": "P2Y"
      },
      {
        "lendingRateType": "FIXED",
        "rate": "0.0664",
        "comparisonRate": "0.0686",
        "calculationFrequency": "P1D",
        "applicationType": "PERIODIC",
        "applicationFrequency": "P1M",
        "interestPaymentDue": "IN_ARREARS",
        "repaymentType": "PRINCIPAL_AND_INTEREST",
        "loanPurpose": "OWNER_OCCUPIED",
        "tiers": [
          {
            "name": "LVR",
            "unitOfMeasure": "PERCENT",
            "minimumValue": "0",
            "maximumValue": "0.8",
            "rateApplicationMethod": "WHOLE_BALANCE",
            "additionalInfo": "Borrowing up to 80% of the property value"
          }
        ],
        "additionalValue": "P3Y"
      },
      {
        "lendingRateType": "FIXED",
        "rate": "0.0684",
        "comparisonRate": "0.0702",
        "calculationFrequency": "P1D",
        "applicationType": "PERIODIC",
        "applicationFrequency": "P1M",
        "interestPaymentDue": "IN_ARREARS",
        "repaymentType": "PRINCIPAL_AND_INTEREST",
        "loanPurpose": "OWNER_OCCUPIED",
        "tiers": [
          {
            "name": "LVR",
            "unitOfMeasure": "PERCENT",
            "minimumValue": "0.8001",
            "maximumValue": "0.9",
            "rateApplicationMethod": "WHOLE_BALANCE",
            "additionalInfo": "Borrowing over 80% to 90% of the property value"
          }
        ],
        "additionalValue": "P3Y"
      },
      {
        "lendingRateType": "FIXED",
        "rate": "0.0684",
        "comparisonRate": "0.0755",
        "calculationFrequency": "P1D",
        "applicationType": "PERIODIC",
        "applicationFrequency": "P1M",
        "interestPaymentDue": "IN_ARREARS",
        "repaymentType": "PRINCIPAL_AND_INTEREST",
        "loanPurpose": "OWNER_OCCUPIED",
        "tiers": [
          {
            "name": "LVR",
            "unitOfMeasure": "PERCENT",
            "minimumValue": "0.9001",
            "maximumValue": "0.95",
            "rateApplicationMethod": "WHOLE_BALANCE",
            "additionalInfo": "Borrowing over 90% to 95% of the property value"
          }
        ],
        "additionalValue": "P3Y"
      },
      {
        "lendingRateType": "FIXED",
        "rate": "0.0674",
        "comparisonRate": "0.069",
        "calculationFrequency": "P1D",
        "applicationType": "PERIODIC",
        "applicationFrequency": "P1M",
        "interestPaymentDue": "IN_ARREARS",
        "repaymentType": "PRINCIPAL_AND_INTEREST",
        "loanPurpose": "OWNER_OCCUPIED",
        "tiers": [
          {
            "name": "LVR",
            "unitOfMeasure": "PERCENT",
            "minimumValue": "0",
            "maximumValue": "0.8",
            "rateApplicationMethod": "WHOLE_BALANCE",
            "additionalInfo": "Borrowing up to 80% of the property value"
          }
        ],
        "additionalValue": "P4Y"
      },
      {
        "lendingRateType": "FIXED",
        "rate": "0.0694",
        "comparisonRate": "0.0706",
        "calculationFrequency": "P1D",
        "applicationType": "PERIODIC",
        "applicationFrequency": "P1M",
        "interestPaymentDue": "IN_ARREARS",
        "repaymentType": "PRINCIPAL_AND_INTEREST",
        "loanPurpose": "OWNER_OCCUPIED",
        "tiers": [
          {
            "name": "LVR",
            "unitOfMeasure": "PERCENT",
            "minimumValue": "0.8001",
            "maximumValue": "0.9",
            "rateApplicationMethod": "WHOLE_BALANCE",
            "additionalInfo": "Borrowing over 80% to 90% of the property value"
          }
        ],
        "additionalValue": "P4Y"
      },
      {
        "lendingRateType": "FIXED",
        "rate": "0.0694",
        "comparisonRate": "0.0753",
        "calculationFrequency": "P1D",
        "applicationType": "PERIODIC",
        "applicationFrequency": "P1M",
        "interestPaymentDue": "IN_ARREARS",
        "repaymentType": "PRINCIPAL_AND_INTEREST",
        "loanPurpose": "OWNER_OCCUPIED",
        "tiers": [
          {
            "name": "LVR",
            "unitOfMeasure": "PERCENT",
            "minimumValue": "0.9001",
            "maximumValue": "0.95",
            "rateApplicationMethod": "WHOLE_BALANCE",
            "additionalInfo": "Borrowing over 90% to 95% of the property value"
          }
        ],
        "additionalValue": "P4Y"
      },
      {
        "lendingRateType": "FIXED",
        "rate": "0.0674",
        "comparisonRate": "0.069",
        "calculationFrequency": "P1D",
        "applicationType": "PERIODIC",
        "applicationFrequency": "P1M",
        "interestPaymentDue": "IN_ARREARS",
        "repaymentType": "PRINCIPAL_AND_INTEREST",
        "loanPurpose": "OWNER_OCCUPIED",
        "tiers": [
          {
            "name": "LVR",
            "unitOfMeasure": "PERCENT",
            "minimumValue": "0",
            "maximumValue": "0.8",
            "rateApplicationMethod": "WHOLE_BALANCE",
            "additionalInfo": "Borrowing up to 80% of the property value"
          }
        ],
        "additionalValue": "P5Y"
      },
      {
        "lendingRateType": "FIXED",
        "rate": "0.0694",
        "comparisonRate": "0.0708",
        "calculationFrequency": "P1D",
        "applicationType": "PERIODIC",
        "applicationFrequency": "P1M",
        "interestPaymentDue": "IN_ARREARS",
        "repaymentType": "PRINCIPAL_AND_INTEREST",
        "loanPurpose": "OWNER_OCCUPIED",
        "tiers": [
          {
            "name": "LVR",
            "unitOfMeasure": "PERCENT",
            "minimumValue": "0.8001",
            "maximumValue": "0.9",
            "rateApplicationMethod": "WHOLE_BALANCE",
            "additionalInfo": "Borrowing over 80% to 90% of the property value"
          }
        ],
        "additionalValue": "P5Y"
      },
      {
        "lendingRateType": "FIXED",
        "rate": "0.0694",
        "comparisonRate": "0.0748",
        "calculationFrequency": "P1D",
        "applicationType": "PERIODIC",
        "applicationFrequency": "P1M",
        "interestPaymentDue": "IN_ARREARS",
        "repaymentType": "PRINCIPAL_AND_INTEREST",
        "loanPurpose": "OWNER_OCCUPIED",
        "tiers": [
          {
            "name": "LVR",
            "unitOfMeasure": "PERCENT",
            "minimumValue": "0.9001",
            "maximumValue": "0.95",
            "rateApplicationMethod": "WHOLE_BALANCE",
            "additionalInfo": "Borrowing over 90% to 95% of the property value"
          }
        ],
        "additionalValue": "P5Y"
      },
      {
        "lendingRateType": "VARIABLE",
        "rate": "0.0759",
        "comparisonRate": "0.0721",
        "calculationFrequency": "P1D",
        "applicationType": "PERIODIC",
        "applicationFrequency": "P1M",
        "interestPaymentDue": "IN_ARREARS",
        "repaymentType": "INTEREST_ONLY",
        "loanPurpose": "OWNER_OCCUPIED",
        "tiers": [
          {
            "name": "LVR",
            "unitOfMeasure": "PERCENT",
            "minimumValue": "0",
            "maximumValue": "0.5",
            "rateApplicationMethod": "WHOLE_BALANCE",
            "additionalInfo": "Borrowing up to 50% of the property value"
          }
        ]
      },
      {
        "lendingRateType": "VARIABLE",
        "rate": "0.0764",
        "comparisonRate": "0.0726",
        "calculationFrequency": "P1D",
        "applicationType": "PERIODIC",
        "applicationFrequency": "P1M",
        "interestPaymentDue": "IN_ARREARS",
        "repaymentType": "INTEREST_ONLY",
        "loanPurpose": "OWNER_OCCUPIED",
        "tiers": [
          {
            "name": "0",
            "unitOfMeasure": "PERCENT",
            "minimumValue": "0.5001",
            "maximumValue": "0.6",
            "rateApplicationMethod": "WHOLE_BALANCE",
            "additionalInfo": "Borrowing over 50% to 60% of the property value"
          }
        ]
      },
      {
        "lendingRateType": "VARIABLE",
        "rate": "0.0774",
        "comparisonRate": "0.073",
        "calculationFrequency": "P1D",
        "applicationType": "PERIODIC",
        "applicationFrequency": "P1M",
        "interestPaymentDue": "IN_ARREARS",
        "repaymentType": "INTEREST_ONLY",
        "loanPurpose": "OWNER_OCCUPIED",
        "tiers": [
          {
            "name": "LVR",
            "unitOfMeasure": "PERCENT",
            "minimumValue": "0.6001",
            "maximumValue": "0.7",
            "rateApplicationMethod": "WHOLE_BALANCE",
            "additionalInfo": "Borrowing over 60% to 70% of the property value"
          }
        ]
      },
      {
        "lendingRateType": "VARIABLE",
        "rate": "0.0779",
        "comparisonRate": "0.0735",
        "calculationFrequency": "P1D",
        "applicationType": "PERIODIC",
        "applicationFrequency": "P1M",
        "interestPaymentDue": "IN_ARREARS",
        "repaymentType": "INTEREST_ONLY",
        "loanPurpose": "OWNER_OCCUPIED",
        "tiers": [
          {
            "name": "LVR",
            "unitOfMeasure": "PERCENT",
            "minimumValue": "0.7001",
            "maximumValue": "0.8",
            "rateApplicationMethod": "WHOLE_BALANCE",
            "additionalInfo": "Borrowing over 70% to 80% of the property value"
          }
        ]
      },
      {
        "lendingRateType": "VARIABLE",
        "rate": "0.0804",
        "comparisonRate": "0.0755",
        "calculationFrequency": "P1D",
        "applicationType": "PERIODIC",
        "applicationFrequency": "P1M",
        "interestPaymentDue": "IN_ARREARS",
        "repaymentType": "INTEREST_ONLY",
        "loanPurpose": "OWNER_OCCUPIED",
        "tiers": [
          {
            "name": "LVR",
            "unitOfMeasure": "PERCENT",
            "minimumValue": "0.8001",
            "maximumValue": "0.9",
            "rateApplicationMethod": "WHOLE_BALANCE",
            "additionalInfo": "Borrowing over 80% to 90% of the property value"
          }
        ]
      },
      {
        "lendingRateType": "FIXED",
        "rate": "0.0704",
        "comparisonRate": "0.0689",
        "calculationFrequency": "P1D",
        "applicationType": "PERIODIC",
        "applicationFrequency": "P1M",
        "interestPaymentDue": "IN_ARREARS",
        "repaymentType": "INTEREST_ONLY",
        "loanPurpose": "OWNER_OCCUPIED",
        "tiers": [
          {
            "name": "LVR",
            "unitOfMeasure": "PERCENT",
            "minimumValue": "0",
            "maximumValue": "0.8",
            "rateApplicationMethod": "WHOLE_BALANCE",
            "additionalInfo": "Borrowing up to 80% of the property value"
          }
        ],
        "additionalValue": "P1Y"
      },
      {
        "lendingRateType": "FIXED",
        "rate": "0.0724",
        "comparisonRate": "0.0705",
        "calculationFrequency": "P1D",
        "applicationType": "PERIODIC",
        "applicationFrequency": "P1M",
        "interestPaymentDue": "IN_ARREARS",
        "repaymentType": "INTEREST_ONLY",
        "loanPurpose": "OWNER_OCCUPIED",
        "tiers": [
          {
            "name": "LVR",
            "unitOfMeasure": "PERCENT",
            "minimumValue": "0.8001",
            "maximumValue": "0.9",
            "rateApplicationMethod": "WHOLE_BALANCE",
            "additionalInfo": "Borrowing over 80% to 90% of the property value"
          }
        ],
        "additionalValue": "P1Y"
      },
      {
        "lendingRateType": "FIXED",
        "rate": "0.0704",
        "comparisonRate": "0.0693",
        "calculationFrequency": "P1D",
        "applicationType": "PERIODIC",
        "applicationFrequency": "P1M",
        "interestPaymentDue": "IN_ARREARS",
        "repaymentType": "INTEREST_ONLY",
        "loanPurpose": "OWNER_OCCUPIED",
        "tiers": [
          {
            "name": "LVR",
            "unitOfMeasure": "PERCENT",
            "minimumValue": "0",
            "maximumValue": "0.8",
            "rateApplicationMethod": "WHOLE_BALANCE",
            "additionalInfo": "Borrowing up to 80% of the property value"
          }
        ],
        "additionalValue": "P2Y"
      },
      {
        "lendingRateType": "FIXED",
        "rate": "0.0724",
        "comparisonRate": "0.0709",
        "calculationFrequency": "P1D",
        "applicationType": "PERIODIC",
        "applicationFrequency": "P1M",
        "interestPaymentDue": "IN_ARREARS",
        "repaymentType": "INTEREST_ONLY",
        "loanPurpose": "OWNER_OCCUPIED",
        "tiers": [
          {
            "name": "LVR",
            "unitOfMeasure": "PERCENT",
            "minimumValue": "0.8001",
            "maximumValue": "0.9",
            "rateApplicationMethod": "WHOLE_BALANCE",
            "additionalInfo": "Borrowing over 80% to 90% of the property value"
          }
        ],
        "additionalValue": "P2Y"
      },
      {
        "lendingRateType": "FIXED",
        "rate": "0.0714",
        "comparisonRate": "0.0699",
        "calculationFrequency": "P1D",
        "applicationType": "PERIODIC",
        "applicationFrequency": "P1M",
        "interestPaymentDue": "IN_ARREARS",
        "repaymentType": "INTEREST_ONLY",
        "loanPurpose": "OWNER_OCCUPIED",
        "tiers": [
          {
            "name": "LVR",
            "unitOfMeasure": "PERCENT",
            "minimumValue": "0",
            "maximumValue": "0.8",
            "rateApplicationMethod": "WHOLE_BALANCE",
            "additionalInfo": "Borrowing up to 80% of the property value"
          }
        ],
        "additionalValue": "P3Y"
      },
      {
        "lendingRateType": "FIXED",
        "rate": "0.0734",
        "comparisonRate": "0.0716",
        "calculationFrequency": "P1D",
        "applicationType": "PERIODIC",
        "applicationFrequency": "P1M",
        "interestPaymentDue": "IN_ARREARS",
        "repaymentType": "INTEREST_ONLY",
        "loanPurpose": "OWNER_OCCUPIED",
        "tiers": [
          {
            "name": "LVR",
            "unitOfMeasure": "PERCENT",
            "minimumValue": "0.8001",
            "maximumValue": "0.9",
            "rateApplicationMethod": "WHOLE_BALANCE",
            "additionalInfo": "Borrowing over 80% to 90% of the property value"
          }
        ],
        "additionalValue": "P3Y"
      },
      {
        "lendingRateType": "FIXED",
        "rate": "0.0724",
        "comparisonRate": "0.0707",
        "calculationFrequency": "P1D",
        "applicationType": "PERIODIC",
        "applicationFrequency": "P1M",
        "interestPaymentDue": "IN_ARREARS",
        "repaymentType": "INTEREST_ONLY",
        "loanPurpose": "OWNER_OCCUPIED",
        "tiers": [
          {
            "name": "LVR",
            "unitOfMeasure": "PERCENT",
            "minimumValue": "0",
            "maximumValue": "0.8",
            "rateApplicationMethod": "WHOLE_BALANCE",
            "additionalInfo": "Borrowing up to 80% of the property value"
          }
        ],
        "additionalValue": "P4Y"
      },
      {
        "lendingRateType": "FIXED",
        "rate": "0.0744",
        "comparisonRate": "0.0724",
        "calculationFrequency": "P1D",
        "applicationType": "PERIODIC",
        "applicationFrequency": "P1M",
        "interestPaymentDue": "IN_ARREARS",
        "repaymentType": "INTEREST_ONLY",
        "loanPurpose": "OWNER_OCCUPIED",
        "tiers": [
          {
            "name": "LVR",
            "unitOfMeasure": "PERCENT",
            "minimumValue": "0.8001",
            "maximumValue": "0.9",
            "rateApplicationMethod": "WHOLE_BALANCE",
            "additionalInfo": "Borrowing over 80% to 90% of the property value"
          }
        ],
        "additionalValue": "P4Y"
      },
      {
        "lendingRateType": "FIXED",
        "rate": "0.0724",
        "comparisonRate": "0.0711",
        "calculationFrequency": "P1D",
        "applicationType": "PERIODIC",
        "applicationFrequency": "P1M",
        "interestPaymentDue": "IN_ARREARS",
        "repaymentType": "INTEREST_ONLY",
        "loanPurpose": "OWNER_OCCUPIED",
        "tiers": [
          {
            "name": "LVR",
            "unitOfMeasure": "PERCENT",
            "minimumValue": "0",
            "maximumValue": "0.8",
            "rateApplicationMethod": "WHOLE_BALANCE",
            "additionalInfo": "Borrowing up to 80% of the property value"
          }
        ],
        "additionalValue": "P5Y"
      },
      {
        "lendingRateType": "FIXED",
        "rate": "0.0744",
        "comparisonRate": "0.0728",
        "calculationFrequency": "P1D",
        "applicationType": "PERIODIC",
        "applicationFrequency": "P1M",
        "interestPaymentDue": "IN_ARREARS",
        "repaymentType": "INTEREST_ONLY",
        "loanPurpose": "OWNER_OCCUPIED",
        "tiers": [
          {
            "name": "LVR",
            "unitOfMeasure": "PERCENT",
            "minimumValue": "0.8001",
            "maximumValue": "0.9",
            "rateApplicationMethod": "WHOLE_BALANCE",
            "additionalInfo": "Borrowing over 80% to 90% of the property value"
          }
        ],
        "additionalValue": "P5Y"
      },
      {
        "lendingRateType": "VARIABLE",
        "rate": "0.0664",
        "comparisonRate": "0.0686",
        "calculationFrequency": "P1D",
        "applicationType": "PERIODIC",
        "applicationFrequency": "P1M",
        "interestPaymentDue": "IN_ARREARS",
        "repaymentType": "PRINCIPAL_AND_INTEREST",
        "loanPurpose": "INVESTMENT",
        "tiers": [
          {
            "name": "LVR",
            "unitOfMeasure": "PERCENT",
            "minimumValue": "0",
            "maximumValue": "0.5",
            "rateApplicationMethod": "WHOLE_BALANCE",
            "additionalInfo": "Borrowing up to 50% of the property value"
          }
        ]
      },
      {
        "lendingRateType": "VARIABLE",
        "rate": "0.0669",
        "comparisonRate": "0.0691",
        "calculationFrequency": "P1D",
        "applicationType": "PERIODIC",
        "applicationFrequency": "P1M",
        "interestPaymentDue": "IN_ARREARS",
        "repaymentType": "PRINCIPAL_AND_INTEREST",
        "loanPurpose": "INVESTMENT",
        "tiers": [
          {
            "name": "LVR",
            "unitOfMeasure": "PERCENT",
            "minimumValue": "0.5001",
            "maximumValue": "0.6",
            "rateApplicationMethod": "WHOLE_BALANCE",
            "additionalInfo": "Borrowing over 50% to 60% of the property value"
          }
        ]
      },
      {
        "lendingRateType": "VARIABLE",
        "rate": "0.0674",
        "comparisonRate": "0.0696",
        "calculationFrequency": "P1D",
        "applicationType": "PERIODIC",
        "applicationFrequency": "P1M",
        "interestPaymentDue": "IN_ARREARS",
        "repaymentType": "PRINCIPAL_AND_INTEREST",
        "loanPurpose": "INVESTMENT",
        "tiers": [
          {
            "name": "LVR",
            "unitOfMeasure": "PERCENT",
            "minimumValue": "0.6001",
            "maximumValue": "0.7",
            "rateApplicationMethod": "WHOLE_BALANCE",
            "additionalInfo": "Borrowing over 60% to 70% of the property value"
          }
        ]
      },
      {
        "lendingRateType": "VARIABLE",
        "rate": "0.0679",
        "comparisonRate": "0.0701",
        "calculationFrequency": "P1D",
        "applicationType": "PERIODIC",
        "applicationFrequency": "P1M",
        "interestPaymentDue": "IN_ARREARS",
        "repaymentType": "PRINCIPAL_AND_INTEREST",
        "loanPurpose": "INVESTMENT",
        "tiers": [
          {
            "name": "LVR",
            "unitOfMeasure": "PERCENT",
            "minimumValue": "0.7001",
            "maximumValue": "0.8",
            "rateApplicationMethod": "WHOLE_BALANCE",
            "additionalInfo": "Borrowing over 70% to 80% of the property value"
          }
        ]
      },
      {
        "lendingRateType": "VARIABLE",
        "rate": "0.0694",
        "comparisonRate": "0.0716",
        "calculationFrequency": "P1D",
        "applicationType": "PERIODIC",
        "applicationFrequency": "P1M",
        "interestPaymentDue": "IN_ARREARS",
        "repaymentType": "PRINCIPAL_AND_INTEREST",
        "loanPurpose": "INVESTMENT",
        "tiers": [
          {
            "name": "LVR",
            "unitOfMeasure": "PERCENT",
            "minimumValue": "0.8001",
            "maximumValue": "0.9",
            "rateApplicationMethod": "WHOLE_BALANCE",
            "additionalInfo": "Borrowing over 80% to 90% of the property value"
          }
        ]
      },
      {
        "lendingRateType": "FIXED",
        "rate": "0.0669",
        "comparisonRate": "0.07",
        "calculationFrequency": "P1D",
        "applicationType": "PERIODIC",
        "applicationFrequency": "P1M",
        "interestPaymentDue": "IN_ARREARS",
        "repaymentType": "PRINCIPAL_AND_INTEREST",
        "loanPurpose": "INVESTMENT",
        "tiers": [
          {
            "name": "LVR",
            "unitOfMeasure": "PERCENT",
            "minimumValue": "0",
            "maximumValue": "0.8",
            "rateApplicationMethod": "WHOLE_BALANCE",
            "additionalInfo": "Borrowing up to 80% of the property value"
          }
        ],
        "additionalValue": "P1Y"
      },
      {
        "lendingRateType": "FIXED",
        "rate": "0.0689",
        "comparisonRate": "0.0716",
        "calculationFrequency": "P1D",
        "applicationType": "PERIODIC",
        "applicationFrequency": "P1M",
        "interestPaymentDue": "IN_ARREARS",
        "repaymentType": "PRINCIPAL_AND_INTEREST",
        "loanPurpose": "INVESTMENT",
        "tiers": [
          {
            "name": "LVR",
            "unitOfMeasure": "PERCENT",
            "minimumValue": "0.8001",
            "maximumValue": "0.9",
            "rateApplicationMethod": "WHOLE_BALANCE",
            "additionalInfo": "Borrowing over 80% to 90% of the property value"
          }
        ],
        "additionalValue": "P1Y"
      },
      {
        "lendingRateType": "FIXED",
        "rate": "0.0669",
        "comparisonRate": "0.0699",
        "calculationFrequency": "P1D",
        "applicationType": "PERIODIC",
        "applicationFrequency": "P1M",
        "interestPaymentDue": "IN_ARREARS",
        "repaymentType": "PRINCIPAL_AND_INTEREST",
        "loanPurpose": "INVESTMENT",
        "tiers": [
          {
            "name": "LVR",
            "unitOfMeasure": "PERCENT",
            "minimumValue": "0",
            "maximumValue": "0.8",
            "rateApplicationMethod": "WHOLE_BALANCE",
            "additionalInfo": "Borrowing up to 80% of the property value"
          }
        ],
        "additionalValue": "P2Y"
      },
      {
        "lendingRateType": "FIXED",
        "rate": "0.0689",
        "comparisonRate": "0.0715",
        "calculationFrequency": "P1D",
        "applicationType": "PERIODIC",
        "applicationFrequency": "P1M",
        "interestPaymentDue": "IN_ARREARS",
        "repaymentType": "PRINCIPAL_AND_INTEREST",
        "loanPurpose": "INVESTMENT",
        "tiers": [
          {
            "name": "LVR",
            "unitOfMeasure": "PERCENT",
            "minimumValue": "0.8001",
            "maximumValue": "0.9",
            "rateApplicationMethod": "WHOLE_BALANCE",
            "additionalInfo": "Borrowing over 80% to 90% of the property value"
          }
        ],
        "additionalValue": "P2Y"
      },
      {
        "lendingRateType": "FIXED",
        "rate": "0.0679",
        "comparisonRate": "0.0701",
        "calculationFrequency": "P1D",
        "applicationType": "PERIODIC",
        "applicationFrequency": "P1M",
        "interestPaymentDue": "IN_ARREARS",
        "repaymentType": "PRINCIPAL_AND_INTEREST",
        "loanPurpose": "INVESTMENT",
        "tiers": [
          {
            "name": "LVR",
            "unitOfMeasure": "PERCENT",
            "minimumValue": "0",
            "maximumValue": "0.8",
            "rateApplicationMethod": "WHOLE_BALANCE",
            "additionalInfo": "Borrowing up to 80% of the property value"
          }
        ],
        "additionalValue": "P3Y"
      },
      {
        "lendingRateType": "FIXED",
        "rate": "0.0699",
        "comparisonRate": "0.0718",
        "calculationFrequency": "P1D",
        "applicationType": "PERIODIC",
        "applicationFrequency": "P1M",
        "interestPaymentDue": "IN_ARREARS",
        "repaymentType": "PRINCIPAL_AND_INTEREST",
        "loanPurpose": "INVESTMENT",
        "tiers": [
          {
            "name": "LVR",
            "unitOfMeasure": "PERCENT",
            "minimumValue": "0.8001",
            "maximumValue": "0.9",
            "rateApplicationMethod": "WHOLE_BALANCE",
            "additionalInfo": "Borrowing over 80% to 90% of the property value"
          }
        ],
        "additionalValue": "P3Y"
      },
      {
        "lendingRateType": "FIXED",
        "rate": "0.0689",
        "comparisonRate": "0.0705",
        "calculationFrequency": "P1D",
        "applicationType": "PERIODIC",
        "applicationFrequency": "P1M",
        "interestPaymentDue": "IN_ARREARS",
        "repaymentType": "PRINCIPAL_AND_INTEREST",
        "loanPurpose": "INVESTMENT",
        "tiers": [
          {
            "name": "LVR",
            "unitOfMeasure": "PERCENT",
            "minimumValue": "0",
            "maximumValue": "0.8",
            "rateApplicationMethod": "WHOLE_BALANCE",
            "additionalInfo": "Borrowing up to 80% of the property value"
          }
        ],
        "additionalValue": "P4Y"
      },
      {
        "lendingRateType": "FIXED",
        "rate": "0.0709",
        "comparisonRate": "0.0722",
        "calculationFrequency": "P1D",
        "applicationType": "PERIODIC",
        "applicationFrequency": "P1M",
        "interestPaymentDue": "IN_ARREARS",
        "repaymentType": "PRINCIPAL_AND_INTEREST",
        "loanPurpose": "INVESTMENT",
        "tiers": [
          {
            "name": "LVR",
            "unitOfMeasure": "PERCENT",
            "minimumValue": "0.8001",
            "maximumValue": "0.9",
            "rateApplicationMethod": "WHOLE_BALANCE",
            "additionalInfo": "Borrowing over 80% to 90% of the property value"
          }
        ],
        "additionalValue": "P4Y"
      },
      {
        "lendingRateType": "FIXED",
        "rate": "0.0689",
        "comparisonRate": "0.0706",
        "calculationFrequency": "P1D",
        "applicationType": "PERIODIC",
        "applicationFrequency": "P1M",
        "interestPaymentDue": "IN_ARREARS",
        "repaymentType": "PRINCIPAL_AND_INTEREST",
        "loanPurpose": "INVESTMENT",
        "tiers": [
          {
            "name": "LVR",
            "unitOfMeasure": "PERCENT",
            "minimumValue": "0",
            "maximumValue": "0.8",
            "rateApplicationMethod": "WHOLE_BALANCE",
            "additionalInfo": "Borrowing up to 80% of the property value"
          }
        ],
        "additionalValue": "P5Y"
      },
      {
        "lendingRateType": "FIXED",
        "rate": "0.0709",
        "comparisonRate": "0.0723",
        "calculationFrequency": "P1D",
        "applicationType": "PERIODIC",
        "applicationFrequency": "P1M",
        "interestPaymentDue": "IN_ARREARS",
        "repaymentType": "PRINCIPAL_AND_INTEREST",
        "loanPurpose": "INVESTMENT",
        "tiers": [
          {
            "name": "LVR",
            "unitOfMeasure": "PERCENT",
            "minimumValue": "0.8001",
            "maximumValue": "0.9",
            "rateApplicationMethod": "WHOLE_BALANCE",
            "additionalInfo": "Borrowing over 80% to 90% of the property value"
          }
        ],
        "additionalValue": "P5Y"
      },
      {
        "lendingRateType": "VARIABLE",
        "rate": "0.0679",
        "comparisonRate": "0.0691",
        "calculationFrequency": "P1D",
        "applicationType": "PERIODIC",
        "applicationFrequency": "P1M",
        "interestPaymentDue": "IN_ARREARS",
        "repaymentType": "INTEREST_ONLY",
        "loanPurpose": "INVESTMENT",
        "tiers": [
          {
            "name": "LVR",
            "unitOfMeasure": "PERCENT",
            "minimumValue": "0",
            "maximumValue": "0.5",
            "rateApplicationMethod": "WHOLE_BALANCE",
            "additionalInfo": "Borrowing up to 50% of the property value"
          }
        ]
      },
      {
        "lendingRateType": "VARIABLE",
        "rate": "0.0684",
        "comparisonRate": "0.0696",
        "calculationFrequency": "P1D",
        "applicationType": "PERIODIC",
        "applicationFrequency": "P1M",
        "interestPaymentDue": "IN_ARREARS",
        "repaymentType": "INTEREST_ONLY",
        "loanPurpose": "INVESTMENT",
        "tiers": [
          {
            "name": "LVR",
            "unitOfMeasure": "PERCENT",
            "minimumValue": "0.5001",
            "maximumValue": "0.6",
            "rateApplicationMethod": "WHOLE_BALANCE",
            "additionalInfo": "Borrowing over 50% to 60% of the property value"
          }
        ]
      },
      {
        "lendingRateType": "VARIABLE",
        "rate": "0.0689",
        "comparisonRate": "0.0701",
        "calculationFrequency": "P1D",
        "applicationType": "PERIODIC",
        "applicationFrequency": "P1M",
        "interestPaymentDue": "IN_ARREARS",
        "repaymentType": "INTEREST_ONLY",
        "loanPurpose": "INVESTMENT",
        "tiers": [
          {
            "name": "LVR",
            "unitOfMeasure": "PERCENT",
            "minimumValue": "0.6001",
            "maximumValue": "0.7",
            "rateApplicationMethod": "WHOLE_BALANCE",
            "additionalInfo": "Borrowing over 60% to 70% of the property value"
          }
        ]
      },
      {
        "lendingRateType": "VARIABLE",
        "rate": "0.0694",
        "comparisonRate": "0.0706",
        "calculationFrequency": "P1D",
        "applicationType": "PERIODIC",
        "applicationFrequency": "P1M",
        "interestPaymentDue": "IN_ARREARS",
        "repaymentType": "INTEREST_ONLY",
        "loanPurpose": "INVESTMENT",
        "tiers": [
          {
            "name": "LVR",
            "unitOfMeasure": "PERCENT",
            "minimumValue": "0.7001",
            "maximumValue": "0.8",
            "rateApplicationMethod": "WHOLE_BALANCE",
            "additionalInfo": "Borrowing over 70% to 80% of the property value"
          }
        ]
      },
      {
        "lendingRateType": "VARIABLE",
        "rate": "0.0709",
        "comparisonRate": "0.0721",
        "calculationFrequency": "P1D",
        "applicationType": "PERIODIC",
        "applicationFrequency": "P1M",
        "interestPaymentDue": "IN_ARREARS",
        "repaymentType": "INTEREST_ONLY",
        "loanPurpose": "INVESTMENT",
        "tiers": [
          {
            "name": "LVR",
            "unitOfMeasure": "PERCENT",
            "minimumValue": "0.8001",
            "maximumValue": "0.9",
            "rateApplicationMethod": "WHOLE_BALANCE",
            "additionalInfo": "Borrowing over 80% to 90% of the property value"
          }
        ]
      },
      {
        "lendingRateType": "FIXED",
        "rate": "0.0679",
        "comparisonRate": "0.0701",
        "calculationFrequency": "P1D",
        "applicationType": "PERIODIC",
        "applicationFrequency": "P1M",
        "interestPaymentDue": "IN_ARREARS",
        "repaymentType": "INTEREST_ONLY",
        "loanPurpose": "INVESTMENT",
        "tiers": [
          {
            "name": "LVR",
            "unitOfMeasure": "PERCENT",
            "minimumValue": "0",
            "maximumValue": "0.8",
            "rateApplicationMethod": "WHOLE_BALANCE",
            "additionalInfo": "Borrowing up to 80% of the property value"
          }
        ],
        "additionalValue": "P1Y"
      },
      {
        "lendingRateType": "FIXED",
        "rate": "0.0699",
        "comparisonRate": "0.0717",
        "calculationFrequency": "P1D",
        "applicationType": "PERIODIC",
        "applicationFrequency": "P1M",
        "interestPaymentDue": "IN_ARREARS",
        "repaymentType": "INTEREST_ONLY",
        "loanPurpose": "INVESTMENT",
        "tiers": [
          {
            "name": "LVR",
            "unitOfMeasure": "PERCENT",
            "minimumValue": "0.8001",
            "maximumValue": "0.9",
            "rateApplicationMethod": "WHOLE_BALANCE",
            "additionalInfo": "Borrowing over 80% to 90% of the property value"
          }
        ],
        "additionalValue": "P1Y"
      },
      {
        "lendingRateType": "FIXED",
        "rate": "0.0679",
        "comparisonRate": "0.0701",
        "calculationFrequency": "P1D",
        "applicationType": "PERIODIC",
        "applicationFrequency": "P1M",
        "interestPaymentDue": "IN_ARREARS",
        "repaymentType": "INTEREST_ONLY",
        "loanPurpose": "INVESTMENT",
        "tiers": [
          {
            "name": "LVR",
            "unitOfMeasure": "PERCENT",
            "minimumValue": "0",
            "maximumValue": "0.8",
            "rateApplicationMethod": "WHOLE_BALANCE",
            "additionalInfo": "Borrowing up to 80% of the property value"
          }
        ],
        "additionalValue": "P2Y"
      },
      {
        "lendingRateType": "FIXED",
        "rate": "0.0699",
        "comparisonRate": "0.0717",
        "calculationFrequency": "P1D",
        "applicationType": "PERIODIC",
        "applicationFrequency": "P1M",
        "interestPaymentDue": "IN_ARREARS",
        "repaymentType": "INTEREST_ONLY",
        "loanPurpose": "INVESTMENT",
        "tiers": [
          {
            "name": "LVR",
            "unitOfMeasure": "PERCENT",
            "minimumValue": "0.8001",
            "maximumValue": "0.9",
            "rateApplicationMethod": "WHOLE_BALANCE",
            "additionalInfo": "Borrowing over 80% to 90% of the property value"
          }
        ],
        "additionalValue": "P2Y"
      },
      {
        "lendingRateType": "FIXED",
        "rate": "0.0689",
        "comparisonRate": "0.0703",
        "calculationFrequency": "P1D",
        "applicationType": "PERIODIC",
        "applicationFrequency": "P1M",
        "interestPaymentDue": "IN_ARREARS",
        "repaymentType": "INTEREST_ONLY",
        "loanPurpose": "INVESTMENT",
        "tiers": [
          {
            "name": "LVR",
            "unitOfMeasure": "PERCENT",
            "minimumValue": "0",
            "maximumValue": "0.8",
            "rateApplicationMethod": "WHOLE_BALANCE",
            "additionalInfo": "Borrowing up to 80% of the property value"
          }
        ],
        "additionalValue": "P3Y"
      },
      {
        "lendingRateType": "FIXED",
        "rate": "0.0709",
        "comparisonRate": "0.072",
        "calculationFrequency": "P1D",
        "applicationType": "PERIODIC",
        "applicationFrequency": "P1M",
        "interestPaymentDue": "IN_ARREARS",
        "repaymentType": "INTEREST_ONLY",
        "loanPurpose": "INVESTMENT",
        "tiers": [
          {
            "name": "LVR",
            "unitOfMeasure": "PERCENT",
            "minimumValue": "0.8001",
            "maximumValue": "0.9",
            "rateApplicationMethod": "WHOLE_BALANCE",
            "additionalInfo": "Borrowing over 80% to 90% of the property value"
          }
        ],
        "additionalValue": "P3Y"
      },
      {
        "lendingRateType": "FIXED",
        "rate": "0.0699",
        "comparisonRate": "0.0708",
        "calculationFrequency": "P1D",
        "applicationType": "PERIODIC",
        "applicationFrequency": "P1M",
        "interestPaymentDue": "IN_ARREARS",
        "repaymentType": "INTEREST_ONLY",
        "loanPurpose": "INVESTMENT",
        "tiers": [
          {
            "name": "LVR",
            "unitOfMeasure": "PERCENT",
            "minimumValue": "0",
            "maximumValue": "0.8",
            "rateApplicationMethod": "WHOLE_BALANCE",
            "additionalInfo": "Borrowing up to 80% of the property value"
          }
        ],
        "additionalValue": "P4Y"
      },
      {
        "lendingRateType": "FIXED",
        "rate": "0.0719",
        "comparisonRate": "0.0724",
        "calculationFrequency": "P1D",
        "applicationType": "PERIODIC",
        "applicationFrequency": "P1M",
        "interestPaymentDue": "IN_ARREARS",
        "repaymentType": "INTEREST_ONLY",
        "loanPurpose": "INVESTMENT",
        "tiers": [
          {
            "name": "LVR",
            "unitOfMeasure": "PERCENT",
            "minimumValue": "0.8001",
            "maximumValue": "0.9",
            "rateApplicationMethod": "WHOLE_BALANCE",
            "additionalInfo": "Borrowing over 80% to 90% of the property value"
          }
        ],
        "additionalValue": "P4Y"
      },
      {
        "lendingRateType": "FIXED",
        "rate": "0.0699",
        "comparisonRate": "0.0709",
        "calculationFrequency": "P1D",
        "applicationType": "PERIODIC",
        "applicationFrequency": "P1M",
        "interestPaymentDue": "IN_ARREARS",
        "repaymentType": "INTEREST_ONLY",
        "loanPurpose": "INVESTMENT",
        "tiers": [
          {
            "name": "LVR",
            "unitOfMeasure": "PERCENT",
            "minimumValue": "0",
            "maximumValue": "0.8",
            "rateApplicationMethod": "WHOLE_BALANCE",
            "additionalInfo": "Borrowing up to 80% of the property value"
          }
        ],
        "additionalValue": "P5Y"
      },
      {
        "lendingRateType": "FIXED",
        "rate": "0.0719",
        "comparisonRate": "0.0726",
        "calculationFrequency": "P1D",
        "applicationType": "PERIODIC",
        "applicationFrequency": "P1M",
        "interestPaymentDue": "IN_ARREARS",
        "repaymentType": "INTEREST_ONLY",
        "loanPurpose": "INVESTMENT",
        "tiers": [
          {
            "name": "LVR",
            "unitOfMeasure": "PERCENT",
            "minimumValue": "0.8001",
            "maximumValue": "0.9",
            "rateApplicationMethod": "WHOLE_BALANCE",
            "additionalInfo": "Borrowing over 80% to 90% of the property value"
          }
        ],
        "additionalValue": "P5Y"
      }
    ]
  }
}