{ "snapshot_at": "2026-11-13T01:23:06Z", "brand": "Southern Cross Credit Union", "brand_slug": "southern-cross-credit-union", "product_id": "PREMIUM_HOME_LOAN", "cdr_url": "https://cdr.sccu.com.au/openbanking/cds-au/v1/banking/products/PREMIUM_HOME_LOAN", "x_v": 7, "how_to_fetch": "curl -H 'x-v: 7' 'https://cdr.sccu.com.au/openbanking/cds-au/v1/banking/products/PREMIUM_HOME_LOAN'", "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": "OFFSET", "additionalInfo": "Up to 8 offset accounts available" }, { "featureType": "REDRAW", "additionalInfo": "access to additional repayments made over and above the minimum required." }, { "featureType": "OTHER", "additionalInfo": "Construction loans available" }, { "featureType": "OTHER", "additionalInfo": "Loan terms up to 40years available" }, { "featureType": "OTHER", "additionalInfo": "Interest Only options available" }, { "featureType": "OTHER", "additionalInfo": "Additional benefits such as 60-80%LVR rates for loans over 80%LVR and no requirement for LMI up to 90% LVR for applicants on Professional list such as Medical, Health, Legal and Financial Professionals" }, { "featureType": "EXTRA_REPAYMENTS" } ], "constraints": [ { "constraintType": "MAX_LVR", "additionalValue": "98.00", "additionalInfo": "Subject to deposit scheme eligibility criteria" }, { "constraintType": "MIN_LIMIT", "additionalValue": "250000.00" } ], "eligibility": [ { "eligibilityType": "NATURAL_PERSON" }, { "eligibilityType": "RESIDENCY_STATUS", "additionalInfo": "Must be an Australian Citizen or permanent resident, with an Australian residential address" }, { "eligibilityType": "MIN_AGE", "additionalValue": "18" }, { "eligibilityType": "OTHER", "additionalInfo": "Meet SCCU assessment criteria and capacity demonstrated to repay the loan" }, { "eligibilityType": "OTHER", "additionalInfo": "Provide acceptable residential mortgage security which must be insured with SCCU noted as interested party" }, { "eligibilityType": "OTHER", "additionalInfo": "Meet all scheme criteria if utilising the Australian Gov 5% deposit scheme" } ], "fees": [ { "name": "ANNUAL_PACKAGE_FEE", "feeType": "PERIODIC", "feeMethodUType": "fixedAmount", "fixedAmount": { "amount": "395.00" }, "currency": "AUD", "additionalValue": "P1Y", "additionalInfo": "An annually charged fee that is applied to the customer's first funded home loan but covers this loan and all subsequent home loans under the package.", "additionalInfoUri": "https://www.sccu.com.au/Schedule-of-Fees-and-Charges-Home-Loan-and-Personal-Loan" }, { "name": "BREAK_COST_FEE", "feeType": "CASH_ADVANCE", "feeMethodUType": "fixedAmount", "fixedAmount": { "amount": "0.00" }, "currency": "AUD", "additionalInfo": "May be applicable if a FIXED rate loan is paid out early or a variation is requested to break fixed rate term in favour of applying a variable rate" }, { "name": "CONSTRUCTION_LOAN_PROGRESS_FEE", "feeType": "EVENT", "feeMethodUType": "fixedAmount", "fixedAmount": { "amount": "450.00" }, "currency": "AUD", "additionalInfo": "Applicable to construction loans only when progressive payments are made to your builder." }, { "name": "DEPOSIT_BOND_HANDLING", "feeType": "EVENT", "feeMethodUType": "fixedAmount", "fixedAmount": { "amount": "110.00" }, "currency": "AUD", "additionalInfo": "Fee charged to assist with the completion and submission of a Deposit Bond application" }, { "name": "FIXED_RATE_LOCK_FEE", "feeType": "CASH_ADVANCE", "feeMethodUType": "rateBased", "rateBased": { "rateType": "TRANSACTION", "rate": "0.0015" }, "currency": "AUD", "additionalInfo": "May be applicable on Fixed rate loan. 0.15% of loan amount or a mimimum of $750, charged per Fixed rate lock request" }, { "name": "GUARANTOR_SECURITY_VARIATION", "feeType": "EVENT", "feeMethodUType": "fixedAmount", "fixedAmount": { "amount": "300.00" }, "currency": "AUD", "additionalInfo": "Changes to a guarantor security and removing guarantor(s) from a loan. Charged per security" }, { "name": "HOME_LOAN_LEGAL_FEE", "feeType": "EVENT", "feeMethodUType": "fixedAmount", "fixedAmount": { "amount": "430.00" }, "currency": "AUD", "additionalInfo": "A one off fee required to document and settle your loan." }, { "name": "HOME_LOAN_PRODUCT_SWITCH", "feeType": "EVENT", "feeMethodUType": "fixedAmount", "fixedAmount": { "amount": "300.00" }, "currency": "AUD", "additionalInfo": "Variations to your loan including changing product, fixing your interest rates or switching between interest only and principle and interest repayments, will incur a product switch fee." }, { "name": "HOME_LOAN_SECURITY_VARIATION", "feeType": "EVENT", "feeMethodUType": "fixedAmount", "fixedAmount": { "amount": "300.00" }, "currency": "AUD", "additionalInfo": "When there is a variation made to the security used for an existing loan agreement. Charged per security." }, { "name": "HOME_LOAN_TRUST_DEED_LEGAL_FEE", "feeType": "EVENT", "feeMethodUType": "fixedAmount", "fixedAmount": { "amount": "132.00" }, "currency": "AUD", "additionalInfo": "A trust deed is reviewed if a trust entity is the borrower or guarantor of the loan." }, { "name": "LOAN_CONSOLIDATION", "feeType": "EVENT", "feeMethodUType": "fixedAmount", "fixedAmount": { "amount": "300.00" }, "currency": "AUD", "additionalInfo": "Applicable when one or more VARIABLE rate loans with SCCU are to be consolidated. Does not include Fixed rate loans." }, { "name": "LOAN_DISCHARGE_FEE", "feeType": "EVENT", "feeMethodUType": "fixedAmount", "fixedAmount": { "amount": "150.00" }, "currency": "AUD", "additionalInfo": "This fee covers the costs associated with releasing your title and is charged per security discharged" }, { "name": "LOAN_TOP-UP", "feeType": "EVENT", "feeMethodUType": "fixedAmount", "fixedAmount": { "amount": "300.00" }, "currency": "AUD", "additionalInfo": "Additional establishment fee for increasing your VARIABLE rate home loan at any point after the home loan has been finalised. Does not include Fixed rate loans" }, { "name": "PROPERTY_VALUATION_FEE", "feeType": "CASH_ADVANCE", "feeMethodUType": "fixedAmount", "fixedAmount": { "amount": "0.00" }, "currency": "AUD", "additionalInfo": "This fee covers the cost of valuing your property. When valuation is required, cost may vary dependant on a number of factors. Cost will be confirmed prior to ordering." }, { "name": "RECONTRACTING_FEE", "feeType": "EVENT", "feeMethodUType": "fixedAmount", "fixedAmount": { "amount": "150.00" }, "currency": "AUD", "additionalInfo": "Any amendments made to the loan after the loan contract has been created but before it has been funded will incur a fee." }, { "name": "REDRAW_IN_BRANCH", "feeType": "TRANSACTION", "feeMethodUType": "fixedAmount", "fixedAmount": { "amount": "25.00" }, "currency": "AUD", "additionalInfo": "Charged if you access advance payment on your loan in-branch. Redraw available while on VARIABLE rates only" }, { "name": "SECURITY_GUARANTEE_FEE", "feeType": "EVENT", "feeMethodUType": "fixedAmount", "fixedAmount": { "amount": "200.00" }, "currency": "AUD", "additionalInfo": "If you require or elect to have a guarantor for your loan, this fee is charged to cover the additional administration costs. This fee is charged per guarantor." }, { "name": "HOME_LOAN_VARIATION", "feeType": "EVENT", "feeMethodUType": "fixedAmount", "fixedAmount": { "amount": "300.00" }, "currency": "AUD", "additionalInfo": "When there is a variation made to an existing home loan agreement. For example change to remaining loan term, altering repaymentsand principal reduction" } ], "lendingRates": [ { "lendingRateType": "VARIABLE", "rate": "0.0638", "comparisonRate": "0.0672", "calculationFrequency": "P1D", "applicationType": "PERIODIC", "applicationFrequency": "P1M", "interestPaymentDue": "IN_ARREARS", "repaymentType": "PRINCIPAL_AND_INTEREST", "loanPurpose": "OWNER_OCCUPIED", "tiers": [ { "name": "OVER 80 TO 98%LVR", "unitOfMeasure": "PERCENT", "minimumValue": "0.800100", "maximumValue": "0.980000", "rateApplicationMethod": "WHOLE_BALANCE" } ], "applicabilityConditions": [ { "rateApplicabilityType": "OTHER", "additionalInfo": "Only available to applicants that meet Australian Gov 5% deposit scheme eligibility criteria" } ] }, { "lendingRateType": "FIXED", "rate": "0.0659", "comparisonRate": "0.0674", "calculationFrequency": "P1D", "applicationType": "PERIODIC", "applicationFrequency": "P1M", "interestPaymentDue": "IN_ARREARS", "repaymentType": "PRINCIPAL_AND_INTEREST", "loanPurpose": "OWNER_OCCUPIED", "tiers": [ { "name": "OVER 80 TO 98%LVR", "unitOfMeasure": "PERCENT", "minimumValue": "0.800100", "maximumValue": "0.980000", "rateApplicationMethod": "WHOLE_BALANCE" } ], "applicabilityConditions": [ { "rateApplicabilityType": "OTHER", "additionalInfo": "Only available to applicants that meet Australian Gov 5% deposit scheme eligibility criteria" } ], "additionalValue": "P1Y", "additionalInfo": "Rate reverts to variable PI rate of applicable LVR tier" }, { "lendingRateType": "FIXED", "rate": "0.0669", "comparisonRate": "0.0678", "calculationFrequency": "P1D", "applicationType": "PERIODIC", "applicationFrequency": "P1M", "interestPaymentDue": "IN_ARREARS", "repaymentType": "PRINCIPAL_AND_INTEREST", "loanPurpose": "OWNER_OCCUPIED", "tiers": [ { "name": "OVER 80 TO 98%LVR", "unitOfMeasure": "PERCENT", "minimumValue": "0.800100", "maximumValue": "0.980000", "rateApplicationMethod": "WHOLE_BALANCE" } ], "applicabilityConditions": [ { "rateApplicabilityType": "OTHER", "additionalInfo": "Only available to applicants that meet Australian Gov 5% deposit scheme eligibility criteria" } ], "additionalValue": "P2Y", "additionalInfo": "Rate reverts to variable PI rate of applicable LVR tier" }, { "lendingRateType": "FIXED", "rate": "0.0679", "comparisonRate": "0.0684", "calculationFrequency": "P1D", "applicationType": "PERIODIC", "applicationFrequency": "P1M", "interestPaymentDue": "IN_ARREARS", "repaymentType": "PRINCIPAL_AND_INTEREST", "loanPurpose": "OWNER_OCCUPIED", "tiers": [ { "name": "OVER 80 TO 98%LVR", "unitOfMeasure": "PERCENT", "minimumValue": "0.800100", "maximumValue": "0.980000", "rateApplicationMethod": "WHOLE_BALANCE" } ], "applicabilityConditions": [ { "rateApplicabilityType": "OTHER", "additionalInfo": "Only available to applicants that meet Australian Gov 5% deposit scheme eligibility criteria" } ], "additionalValue": "P3Y", "additionalInfo": "Rate reverts to variable PI rate of applicable LVR tier" }, { "lendingRateType": "FIXED", "rate": "0.0689", "comparisonRate": "0.0691", "calculationFrequency": "P1D", "applicationType": "PERIODIC", "applicationFrequency": "P1M", "interestPaymentDue": "IN_ARREARS", "repaymentType": "PRINCIPAL_AND_INTEREST", "loanPurpose": "OWNER_OCCUPIED", "tiers": [ { "name": "OVER 80 TO 98%LVR", "unitOfMeasure": "PERCENT", "minimumValue": "0.800100", "maximumValue": "0.980000", "rateApplicationMethod": "WHOLE_BALANCE" } ], "applicabilityConditions": [ { "rateApplicabilityType": "OTHER", "additionalInfo": "Only available to applicants that meet Australian Gov 5% deposit scheme eligibility criteria" } ], "additionalValue": "P4Y", "additionalInfo": "Rate reverts to variable PI rate of applicable LVR tier" }, { "lendingRateType": "FIXED", "rate": "0.0699", "comparisonRate": "0.0699", "calculationFrequency": "P1D", "applicationType": "PERIODIC", "applicationFrequency": "P1M", "interestPaymentDue": "IN_ARREARS", "repaymentType": "PRINCIPAL_AND_INTEREST", "loanPurpose": "OWNER_OCCUPIED", "tiers": [ { "name": "OVER 80 TO 90%LVR", "unitOfMeasure": "PERCENT", "minimumValue": "0.800100", "maximumValue": "0.980000", "rateApplicationMethod": "WHOLE_BALANCE" } ], "applicabilityConditions": [ { "rateApplicabilityType": "OTHER", "additionalInfo": "Only available to applicants that meet Australian Gov 5% deposit scheme eligibility criteria" } ], "additionalValue": "P5Y", "additionalInfo": "Rate reverts to variable PI rate of applicable LVR tier" }, { "lendingRateType": "VARIABLE", "rate": "0.0638", "comparisonRate": "0.0672", "calculationFrequency": "P1D", "applicationType": "PERIODIC", "applicationFrequency": "P1M", "interestPaymentDue": "IN_ARREARS", "repaymentType": "PRINCIPAL_AND_INTEREST", "loanPurpose": "INVESTMENT", "tiers": [ { "name": "OVER 80 TO 95%LVR", "unitOfMeasure": "PERCENT", "minimumValue": "0.800100", "maximumValue": "0.950000", "rateApplicationMethod": "WHOLE_BALANCE", "applicabilityConditions": [ { "rateApplicabilityType": "OTHER", "additionalInfo": "Eligible applicants on the professionals list with LVR 80-95%. LMI waived up to 90% LVR" } ], "additionalInfo": "for eligible applicants on the professionals list. See product features" } ] }, { "lendingRateType": "FIXED", "rate": "0.0659", "comparisonRate": "0.0674", "calculationFrequency": "P1D", "applicationType": "PERIODIC", "applicationFrequency": "P1M", "interestPaymentDue": "IN_ARREARS", "repaymentType": "PRINCIPAL_AND_INTEREST", "loanPurpose": "INVESTMENT", "tiers": [ { "name": "OVER 80 TO 95%LVR", "unitOfMeasure": "PERCENT", "minimumValue": "0.800100", "maximumValue": "0.950000", "rateApplicationMethod": "WHOLE_BALANCE", "applicabilityConditions": [ { "rateApplicabilityType": "OTHER", "additionalInfo": "Eligible applicants on the professionals list with LVR 80-95%. LMI waived up to 90% LVR" } ], "additionalInfo": "for eligible applicants on the professionals list. See product features" } ], "additionalValue": "P1Y", "additionalInfo": "Rate reverts to variable PI rate of applicable LVR tier upon expiry." }, { "lendingRateType": "FIXED", "rate": "0.0669", "comparisonRate": "0.0678", "calculationFrequency": "P1D", "applicationType": "PERIODIC", "applicationFrequency": "P1M", "interestPaymentDue": "IN_ARREARS", "repaymentType": "PRINCIPAL_AND_INTEREST", "loanPurpose": "INVESTMENT", "tiers": [ { "name": "OVER 80 TO 95%LVR", "unitOfMeasure": "PERCENT", "minimumValue": "0.800100", "maximumValue": "0.950000", "rateApplicationMethod": "WHOLE_BALANCE", "applicabilityConditions": [ { "rateApplicabilityType": "OTHER", "additionalInfo": "Eligible applicants on the professionals list with LVR 80-95%. LMI waived up to 90% LVR" } ], "additionalInfo": "for eligible applicants on the professionals list. See product features" } ], "additionalValue": "P2Y", "additionalInfo": "Rate reverts to variable PI rate of applicable LVR tier upon expiry." }, { "lendingRateType": "FIXED", "rate": "0.0679", "comparisonRate": "0.0684", "calculationFrequency": "P1D", "applicationType": "PERIODIC", "applicationFrequency": "P1M", "interestPaymentDue": "IN_ARREARS", "repaymentType": "PRINCIPAL_AND_INTEREST", "loanPurpose": "INVESTMENT", "tiers": [ { "name": "OVER 80 TO 95%LVR", "unitOfMeasure": "PERCENT", "minimumValue": "0.800100", "maximumValue": "0.950000", "rateApplicationMethod": "WHOLE_BALANCE", "applicabilityConditions": [ { "rateApplicabilityType": "OTHER", "additionalInfo": "Eligible applicants on the professionals list with LVR 80-95%. LMI waived up to 90% LVR" } ], "additionalInfo": "for eligible applicants on the professionals list. See product features" } ], "additionalValue": "P3Y", "additionalInfo": "Rate reverts to variable PI rate of applicable LVR tier upon expiry." }, { "lendingRateType": "FIXED", "rate": "0.0689", "comparisonRate": "0.0691", "calculationFrequency": "P1D", "applicationType": "PERIODIC", "applicationFrequency": "P1M", "interestPaymentDue": "IN_ARREARS", "repaymentType": "PRINCIPAL_AND_INTEREST", "loanPurpose": "INVESTMENT", "tiers": [ { "name": "OVER 80 TO 95%LVR", "unitOfMeasure": "PERCENT", "minimumValue": "0.800100", "maximumValue": "0.950000", "rateApplicationMethod": "WHOLE_BALANCE", "applicabilityConditions": [ { "rateApplicabilityType": "OTHER", "additionalInfo": "Eligible applicants on the professionals list with LVR 80-95%. LMI waived up to 90% LVR" } ], "additionalInfo": "for eligible applicants on the professionals list. See product features" } ], "additionalValue": "P4Y", "additionalInfo": "Rate reverts to variable PI rate of applicable LVR tier upon expiry." }, { "lendingRateType": "FIXED", "rate": "0.0699", "comparisonRate": "0.0699", "calculationFrequency": "P1D", "applicationType": "PERIODIC", "applicationFrequency": "P1M", "interestPaymentDue": "IN_ARREARS", "repaymentType": "PRINCIPAL_AND_INTEREST", "loanPurpose": "INVESTMENT", "tiers": [ { "name": "OVER 80 TO 95%LVR", "unitOfMeasure": "PERCENT", "minimumValue": "0.800100", "maximumValue": "0.950000", "rateApplicationMethod": "WHOLE_BALANCE", "applicabilityConditions": [ { "rateApplicabilityType": "OTHER", "additionalInfo": "Eligible applicants on the professionals list with LVR 80-95%. LMI waived up to 90% LVR" } ], "additionalInfo": "for eligible applicants on the professionals list. See product features" } ], "additionalValue": "P5Y", "additionalInfo": "Rate reverts to variable PI rate of applicable LVR tier upon expiry." }, { "lendingRateType": "VARIABLE", "rate": "0.0658", "comparisonRate": "0.0681", "calculationFrequency": "P1D", "applicationType": "PERIODIC", "applicationFrequency": "P1M", "interestPaymentDue": "IN_ARREARS", "repaymentType": "INTEREST_ONLY", "loanPurpose": "INVESTMENT", "tiers": [ { "name": "OVER 80 TO 95%LVR", "unitOfMeasure": "PERCENT", "minimumValue": "0.800100", "maximumValue": "0.950000", "rateApplicationMethod": "WHOLE_BALANCE", "applicabilityConditions": [ { "rateApplicabilityType": "OTHER", "additionalInfo": "Eligible applicants on the professionals list with LVR 80-95%. LMI waived up to 90% LVR" } ], "additionalInfo": "for eligible applicants on the professionals list. See product features" } ], "additionalInfo": "Interest Only options available up to 5yrs at a time. Rate reverts to variable PI rate of applicable LVR tier upon expiry." }, { "lendingRateType": "FIXED", "rate": "0.0679", "comparisonRate": "0.0676", "calculationFrequency": "P1D", "applicationType": "PERIODIC", "applicationFrequency": "P1M", "interestPaymentDue": "IN_ARREARS", "repaymentType": "INTEREST_ONLY", "loanPurpose": "INVESTMENT", "tiers": [ { "name": "OVER 80 TO 95%LVR", "unitOfMeasure": "PERCENT", "minimumValue": "0.800100", "maximumValue": "0.950000", "rateApplicationMethod": "WHOLE_BALANCE", "applicabilityConditions": [ { "rateApplicabilityType": "OTHER", "additionalInfo": "Eligible applicants on the professionals list with LVR 80-95%. LMI waived up to 90% LVR" } ], "additionalInfo": "for eligible applicants on the professionals list. See product features" } ], "additionalValue": "P1Y", "additionalInfo": "Rate reverts to variable PI rate of applicable LVR tier upon expiry." }, { "lendingRateType": "FIXED", "rate": "0.0689", "comparisonRate": "0.0682", "calculationFrequency": "P1D", "applicationType": "PERIODIC", "applicationFrequency": "P1M", "interestPaymentDue": "IN_ARREARS", "repaymentType": "INTEREST_ONLY", "loanPurpose": "INVESTMENT", "tiers": [ { "name": "OVER 80 TO 95%LVR", "unitOfMeasure": "PERCENT", "minimumValue": "0.800100", "maximumValue": "0.950000", "rateApplicationMethod": "WHOLE_BALANCE", "applicabilityConditions": [ { "rateApplicabilityType": "OTHER", "additionalInfo": "Eligible applicants on the professionals list with LVR 80-95%. LMI waived up to 90% LVR" } ], "additionalInfo": "for eligible applicants on the professionals list. See product features" } ], "additionalValue": "P2Y", "additionalInfo": "Rate reverts to variable PI rate of applicable LVR tier upon expiry." }, { "lendingRateType": "FIXED", "rate": "0.0699", "comparisonRate": "0.069", "calculationFrequency": "P1D", "applicationType": "PERIODIC", "applicationFrequency": "P1M", "interestPaymentDue": "IN_ARREARS", "repaymentType": "INTEREST_ONLY", "loanPurpose": "INVESTMENT", "tiers": [ { "name": "OVER 80 TO 95%LVR", "unitOfMeasure": "PERCENT", "minimumValue": "0.800100", "maximumValue": "0.950000", "rateApplicationMethod": "WHOLE_BALANCE", "applicabilityConditions": [ { "rateApplicabilityType": "OTHER", "additionalInfo": "Eligible applicants on the professionals list with LVR 80-95%. LMI waived up to 90% LVR" } ], "additionalInfo": "for eligible applicants on the professionals list. See product features" } ], "additionalValue": "P3Y", "additionalInfo": "Rate reverts to variable PI rate of applicable LVR tier upon expiry." }, { "lendingRateType": "FIXED", "rate": "0.0709", "comparisonRate": "0.0699", "calculationFrequency": "P1D", "applicationType": "PERIODIC", "applicationFrequency": "P1M", "interestPaymentDue": "IN_ARREARS", "repaymentType": "INTEREST_ONLY", "loanPurpose": "INVESTMENT", "tiers": [ { "name": "OVER 80 TO 95%LVR", "unitOfMeasure": "PERCENT", "minimumValue": "0.800100", "maximumValue": "0.950000", "rateApplicationMethod": "WHOLE_BALANCE", "applicabilityConditions": [ { "rateApplicabilityType": "OTHER", "additionalInfo": "Eligible applicants on the professionals list with LVR 80-95%. LMI waived up to 90% LVR" } ], "additionalInfo": "for eligible applicants on the professionals list. See product features" } ], "additionalValue": "P4Y", "additionalInfo": "Rate reverts to variable PI rate of applicable LVR tier upon expiry." }, { "lendingRateType": "FIXED", "rate": "0.0719", "comparisonRate": "0.0708", "calculationFrequency": "P1D", "applicationType": "PERIODIC", "applicationFrequency": "P1M", "interestPaymentDue": "IN_ARREARS", "repaymentType": "INTEREST_ONLY", "loanPurpose": "INVESTMENT", "tiers": [ { "name": "OVER 80 TO 95%LVR", "unitOfMeasure": "PERCENT", "minimumValue": "0.800100", "maximumValue": "0.950000", "rateApplicationMethod": "WHOLE_BALANCE", "applicabilityConditions": [ { "rateApplicabilityType": "OTHER", "additionalInfo": "Eligible applicants on the professionals list with LVR 80-95%. LMI waived up to 90% LVR" } ], "additionalInfo": "for eligible applicants on the professionals list. See product features" } ], "additionalValue": "P5Y", "additionalInfo": "Rate reverts to variable PI rate of applicable LVR tier upon expiry." }, { "lendingRateType": "VARIABLE", "rate": "0.0618", "comparisonRate": "0.0653", "calculationFrequency": "P1D", "applicationType": "PERIODIC", "applicationFrequency": "P1M", "interestPaymentDue": "IN_ARREARS", "repaymentType": "PRINCIPAL_AND_INTEREST", "loanPurpose": "OWNER_OCCUPIED", "tiers": [ { "name": "UP TO 60%LVR", "unitOfMeasure": "PERCENT", "minimumValue": "0.000000", "maximumValue": "0.600000", "rateApplicationMethod": "WHOLE_BALANCE" } ] }, { "lendingRateType": "FIXED", "rate": "0.0639", "comparisonRate": "0.0655", "calculationFrequency": "P1D", "applicationType": "PERIODIC", "applicationFrequency": "P1M", "interestPaymentDue": "IN_ARREARS", "repaymentType": "PRINCIPAL_AND_INTEREST", "loanPurpose": "OWNER_OCCUPIED", "tiers": [ { "name": "UP TO 60%LVR", "unitOfMeasure": "PERCENT", "minimumValue": "0.000000", "maximumValue": "0.600000", "rateApplicationMethod": "WHOLE_BALANCE" } ], "additionalValue": "P1Y", "additionalInfo": "Rate reverts to variable PI rate of applicable LVR tier upon expiry." }, { "lendingRateType": "FIXED", "rate": "0.0649", "comparisonRate": "0.0659", "calculationFrequency": "P1D", "applicationType": "PERIODIC", "applicationFrequency": "P1M", "interestPaymentDue": "IN_ARREARS", "repaymentType": "PRINCIPAL_AND_INTEREST", "loanPurpose": "OWNER_OCCUPIED", "tiers": [ { "name": "UP TO 60%LVR", "unitOfMeasure": "PERCENT", "minimumValue": "0.000000", "maximumValue": "0.600000", "rateApplicationMethod": "WHOLE_BALANCE" } ], "additionalValue": "P2Y", "additionalInfo": "Rate reverts to variable PI rate of applicable LVR tier upon expiry." }, { "lendingRateType": "FIXED", "rate": "0.0659", "comparisonRate": "0.0664", "calculationFrequency": "P1D", "applicationType": "PERIODIC", "applicationFrequency": "P1M", "interestPaymentDue": "IN_ARREARS", "repaymentType": "PRINCIPAL_AND_INTEREST", "loanPurpose": "OWNER_OCCUPIED", "tiers": [ { "name": "UP TO 60%LVR", "unitOfMeasure": "PERCENT", "minimumValue": "0.000000", "maximumValue": "0.600000", "rateApplicationMethod": "WHOLE_BALANCE" } ], "additionalValue": "P3Y", "additionalInfo": "Rate reverts to variable PI rate of applicable LVR tier upon expiry." }, { "lendingRateType": "FIXED", "rate": "0.0669", "comparisonRate": "0.0671", "calculationFrequency": "P1D", "applicationType": "PERIODIC", "applicationFrequency": "P1M", "interestPaymentDue": "IN_ARREARS", "repaymentType": "PRINCIPAL_AND_INTEREST", "loanPurpose": "OWNER_OCCUPIED", "tiers": [ { "name": "UP TO 60%LVR", "unitOfMeasure": "PERCENT", "minimumValue": "0.000000", "maximumValue": "0.600000", "rateApplicationMethod": "WHOLE_BALANCE" } ], "additionalValue": "P4Y", "additionalInfo": "Rate reverts to variable PI rate of applicable LVR tier upon expiry" }, { "lendingRateType": "FIXED", "rate": "0.0679", "comparisonRate": "0.0679", "calculationFrequency": "P1D", "applicationType": "PERIODIC", "applicationFrequency": "P1M", "interestPaymentDue": "IN_ARREARS", "repaymentType": "PRINCIPAL_AND_INTEREST", "loanPurpose": "OWNER_OCCUPIED", "tiers": [ { "name": "UP TO 60%LVR", "unitOfMeasure": "PERCENT", "minimumValue": "0.000000", "maximumValue": "0.600000", "rateApplicationMethod": "WHOLE_BALANCE" } ], "additionalValue": "P5Y", "additionalInfo": "Rate reverts to variable PI rate of applicable LVR tier upon expiry." }, { "lendingRateType": "VARIABLE", "rate": "0.0618", "comparisonRate": "0.0653", "calculationFrequency": "P1D", "applicationType": "PERIODIC", "applicationFrequency": "P1M", "interestPaymentDue": "IN_ARREARS", "repaymentType": "PRINCIPAL_AND_INTEREST", "loanPurpose": "OWNER_OCCUPIED", "tiers": [ { "name": "OVR 60-80%LVR", "unitOfMeasure": "PERCENT", "minimumValue": "0.600100", "maximumValue": "0.800000", "rateApplicationMethod": "WHOLE_BALANCE" } ] }, { "lendingRateType": "FIXED", "rate": "0.0639", "comparisonRate": "0.0655", "calculationFrequency": "P1D", "applicationType": "PERIODIC", "applicationFrequency": "P1M", "interestPaymentDue": "IN_ARREARS", "repaymentType": "PRINCIPAL_AND_INTEREST", "loanPurpose": "OWNER_OCCUPIED", "tiers": [ { "name": "OVER 60-80%LVR", "unitOfMeasure": "PERCENT", "minimumValue": "0.600100", "maximumValue": "0.800000", "rateApplicationMethod": "WHOLE_BALANCE" } ], "additionalValue": "P1Y", "additionalInfo": "Rate reverts to variable PI rate of applicable LVR tier upon expiry." }, { "lendingRateType": "FIXED", "rate": "0.0649", "comparisonRate": "0.0659", "calculationFrequency": "P1D", "applicationType": "PERIODIC", "applicationFrequency": "P1M", "interestPaymentDue": "IN_ARREARS", "repaymentType": "PRINCIPAL_AND_INTEREST", "loanPurpose": "OWNER_OCCUPIED", "tiers": [ { "name": "OVER 60-80%LVR", "unitOfMeasure": "PERCENT", "minimumValue": "0.600100", "maximumValue": "0.800000", "rateApplicationMethod": "WHOLE_BALANCE" } ], "additionalValue": "P2Y", "additionalInfo": "Rate reverts to variable PI rate of applicable LVR tier upon expiry." }, { "lendingRateType": "FIXED", "rate": "0.0659", "comparisonRate": "0.0664", "calculationFrequency": "P1D", "applicationType": "PERIODIC", "applicationFrequency": "P1M", "interestPaymentDue": "IN_ARREARS", "repaymentType": "PRINCIPAL_AND_INTEREST", "loanPurpose": "OWNER_OCCUPIED", "tiers": [ { "name": "OVER 60-80%LVR", "unitOfMeasure": "PERCENT", "minimumValue": "0.600100", "maximumValue": "0.800000", "rateApplicationMethod": "WHOLE_BALANCE" } ], "additionalValue": "P3Y", "additionalInfo": "Rate reverts to variable PI rate of applicable LVR tier upon expiry." }, { "lendingRateType": "FIXED", "rate": "0.0669", "comparisonRate": "0.0671", "calculationFrequency": "P1D", "applicationType": "PERIODIC", "applicationFrequency": "P1M", "interestPaymentDue": "IN_ARREARS", "repaymentType": "PRINCIPAL_AND_INTEREST", "loanPurpose": "OWNER_OCCUPIED", "tiers": [ { "name": "OVER 60-80%LVR", "unitOfMeasure": "PERCENT", "minimumValue": "0.600100", "maximumValue": "0.800000", "rateApplicationMethod": "WHOLE_BALANCE" } ], "additionalValue": "P4Y", "additionalInfo": "Rate reverts to variable PI rate of applicable LVR tier upon expiry." }, { "lendingRateType": "FIXED", "rate": "0.0679", "comparisonRate": "0.0679", "calculationFrequency": "P1D", "applicationType": "PERIODIC", "applicationFrequency": "P1M", "interestPaymentDue": "IN_ARREARS", "repaymentType": "PRINCIPAL_AND_INTEREST", "loanPurpose": "OWNER_OCCUPIED", "tiers": [ { "name": "OVER 60-80%LVR", "unitOfMeasure": "PERCENT", "minimumValue": "0.600100", "maximumValue": "0.800000", "rateApplicationMethod": "WHOLE_BALANCE" } ], "additionalValue": "P5Y", "additionalInfo": "Rate reverts to variable PI rate of applicable LVR tier upon expiry." }, { "lendingRateType": "VARIABLE", "rate": "0.0668", "comparisonRate": "0.0702", "calculationFrequency": "P1D", "applicationType": "PERIODIC", "applicationFrequency": "P1M", "interestPaymentDue": "IN_ARREARS", "repaymentType": "PRINCIPAL_AND_INTEREST", "loanPurpose": "OWNER_OCCUPIED", "tiers": [ { "name": "OVER 80-95%LVR", "unitOfMeasure": "PERCENT", "minimumValue": "0.800100", "maximumValue": "0.950000", "rateApplicationMethod": "WHOLE_BALANCE" } ] }, { "lendingRateType": "FIXED", "rate": "0.0679", "comparisonRate": "0.0703", "calculationFrequency": "P1D", "applicationType": "PERIODIC", "applicationFrequency": "P1M", "interestPaymentDue": "IN_ARREARS", "repaymentType": "PRINCIPAL_AND_INTEREST", "loanPurpose": "OWNER_OCCUPIED", "tiers": [ { "name": "OVER 80-95%LVR", "unitOfMeasure": "PERCENT", "minimumValue": "0.800100", "maximumValue": "0.950000", "rateApplicationMethod": "WHOLE_BALANCE" } ], "additionalValue": "P1Y", "additionalInfo": "Rate reverts to variable PI rate of applicable LVR tier upon expiry." }, { "lendingRateType": "FIXED", "rate": "0.0699", "comparisonRate": "0.0708", "calculationFrequency": "P1D", "applicationType": "PERIODIC", "applicationFrequency": "P1M", "interestPaymentDue": "IN_ARREARS", "repaymentType": "PRINCIPAL_AND_INTEREST", "loanPurpose": "OWNER_OCCUPIED", "tiers": [ { "name": "OVER 80-95%LVR", "unitOfMeasure": "PERCENT", "minimumValue": "0.800100", "maximumValue": "0.950000", "rateApplicationMethod": "WHOLE_BALANCE" } ], "additionalValue": "P2Y", "additionalInfo": "Rate reverts to variable PI rate of applicable LVR tier upon expiry." }, { "lendingRateType": "FIXED", "rate": "0.0709", "comparisonRate": "0.0714", "calculationFrequency": "P1D", "applicationType": "PERIODIC", "applicationFrequency": "P1M", "interestPaymentDue": "IN_ARREARS", "repaymentType": "PRINCIPAL_AND_INTEREST", "loanPurpose": "OWNER_OCCUPIED", "tiers": [ { "name": "OVER 80-95%LVR", "unitOfMeasure": "PERCENT", "minimumValue": "0.800100", "maximumValue": "0.950000", "rateApplicationMethod": "WHOLE_BALANCE" } ], "additionalValue": "P3Y", "additionalInfo": "Rate reverts to variable PI rate of applicable LVR tier upon expiry." }, { "lendingRateType": "FIXED", "rate": "0.0719", "comparisonRate": "0.0721", "calculationFrequency": "P1D", "applicationType": "PERIODIC", "applicationFrequency": "P1M", "interestPaymentDue": "IN_ARREARS", "repaymentType": "PRINCIPAL_AND_INTEREST", "loanPurpose": "OWNER_OCCUPIED", "tiers": [ { "name": "OVER 80-95%LVR", "unitOfMeasure": "PERCENT", "minimumValue": "0.800100", "maximumValue": "0.950000", "rateApplicationMethod": "WHOLE_BALANCE" } ], "additionalValue": "P4Y", "additionalInfo": "Rate reverts to variable PI rate of applicable LVR tier upon expiry." }, { "lendingRateType": "FIXED", "rate": "0.0729", "comparisonRate": "0.0729", "calculationFrequency": "P1D", "applicationType": "PERIODIC", "applicationFrequency": "P1M", "interestPaymentDue": "IN_ARREARS", "repaymentType": "PRINCIPAL_AND_INTEREST", "loanPurpose": "OWNER_OCCUPIED", "tiers": [ { "name": "OVER 80-95%LVR", "unitOfMeasure": "PERCENT", "minimumValue": "0.800100", "maximumValue": "0.950000", "rateApplicationMethod": "WHOLE_BALANCE" } ], "additionalValue": "P5Y", "additionalInfo": "Rate reverts to variable PI rate of applicable LVR tier upon expiry." }, { "lendingRateType": "VARIABLE", "rate": "0.0638", "comparisonRate": "0.0672", "calculationFrequency": "P1D", "applicationType": "PERIODIC", "applicationFrequency": "P1M", "interestPaymentDue": "IN_ARREARS", "repaymentType": "PRINCIPAL_AND_INTEREST", "loanPurpose": "INVESTMENT", "tiers": [ { "name": "UP TO 60%LVR", "unitOfMeasure": "PERCENT", "minimumValue": "0.000000", "maximumValue": "0.600000", "rateApplicationMethod": "WHOLE_BALANCE" } ] }, { "lendingRateType": "FIXED", "rate": "0.0659", "comparisonRate": "0.0674", "calculationFrequency": "P1D", "applicationType": "PERIODIC", "applicationFrequency": "P1M", "interestPaymentDue": "IN_ARREARS", "repaymentType": "PRINCIPAL_AND_INTEREST", "loanPurpose": "INVESTMENT", "tiers": [ { "name": "UP TO 60%LVR", "unitOfMeasure": "PERCENT", "minimumValue": "0.000000", "maximumValue": "0.600000", "rateApplicationMethod": "WHOLE_BALANCE" } ], "additionalValue": "P1Y", "additionalInfo": "Rate reverts to variable PI rate of applicable LVR tier upon expiry." }, { "lendingRateType": "FIXED", "rate": "0.0669", "comparisonRate": "0.0678", "calculationFrequency": "P1D", "applicationType": "PERIODIC", "applicationFrequency": "P1M", "interestPaymentDue": "IN_ARREARS", "repaymentType": "PRINCIPAL_AND_INTEREST", "loanPurpose": "INVESTMENT", "tiers": [ { "name": "UP TO 60%LVR", "unitOfMeasure": "PERCENT", "minimumValue": "0.000000", "maximumValue": "0.600000", "rateApplicationMethod": "WHOLE_BALANCE" } ], "additionalValue": "P2Y", "additionalInfo": "Rate reverts to variable PI rate of applicable LVR tier upon expiry." }, { "lendingRateType": "FIXED", "rate": "0.0679", "comparisonRate": "0.0684", "calculationFrequency": "P1D", "applicationType": "PERIODIC", "applicationFrequency": "P1M", "interestPaymentDue": "IN_ARREARS", "repaymentType": "PRINCIPAL_AND_INTEREST", "loanPurpose": "INVESTMENT", "tiers": [ { "name": "UP TO 60%LVR", "unitOfMeasure": "PERCENT", "minimumValue": "0.000000", "maximumValue": "0.600000", "rateApplicationMethod": "WHOLE_BALANCE" } ], "additionalValue": "P3Y", "additionalInfo": "Rate reverts to variable PI rate of applicable LVR tier upon expiry." }, { "lendingRateType": "FIXED", "rate": "0.0689", "comparisonRate": "0.0691", "calculationFrequency": "P1D", "applicationType": "PERIODIC", "applicationFrequency": "P1M", "interestPaymentDue": "IN_ARREARS", "repaymentType": "PRINCIPAL_AND_INTEREST", "loanPurpose": "INVESTMENT", "tiers": [ { "name": "UP TO 60%LVR", "unitOfMeasure": "PERCENT", "minimumValue": "0.000000", "maximumValue": "0.600000", "rateApplicationMethod": "WHOLE_BALANCE" } ], "additionalValue": "P4Y", "additionalInfo": "Rate reverts to variable PI rate of applicable LVR tier upon expiry." }, { "lendingRateType": "FIXED", "rate": "0.0699", "comparisonRate": "0.0699", "calculationFrequency": "P1D", "applicationType": "PERIODIC", "applicationFrequency": "P1M", "interestPaymentDue": "IN_ARREARS", "repaymentType": "PRINCIPAL_AND_INTEREST", "loanPurpose": "INVESTMENT", "tiers": [ { "name": "UP TO 60%LVR", "unitOfMeasure": "PERCENT", "minimumValue": "0.000000", "maximumValue": "0.600000", "rateApplicationMethod": "WHOLE_BALANCE" } ], "additionalValue": "P5Y", "additionalInfo": "Rate reverts to variable PI rate of applicable LVR tier upon expiry." }, { "lendingRateType": "VARIABLE", "rate": "0.0638", "comparisonRate": "0.0672", "calculationFrequency": "P1D", "applicationType": "PERIODIC", "applicationFrequency": "P1M", "interestPaymentDue": "IN_ARREARS", "repaymentType": "PRINCIPAL_AND_INTEREST", "loanPurpose": "INVESTMENT", "tiers": [ { "name": "OVER 60-80%LVR", "unitOfMeasure": "PERCENT", "minimumValue": "0.600100", "maximumValue": "0.800000", "rateApplicationMethod": "WHOLE_BALANCE" } ] }, { "lendingRateType": "FIXED", "rate": "0.0659", "comparisonRate": "0.0674", "calculationFrequency": "P1D", "applicationType": "PERIODIC", "applicationFrequency": "P1M", "interestPaymentDue": "IN_ARREARS", "repaymentType": "PRINCIPAL_AND_INTEREST", "loanPurpose": "INVESTMENT", "tiers": [ { "name": "OVER 60-80%LVR", "unitOfMeasure": "PERCENT", "minimumValue": "0.600100", "maximumValue": "0.800000", "rateApplicationMethod": "WHOLE_BALANCE" } ], "additionalValue": "P1Y", "additionalInfo": "Rate reverts to variable PI rate of applicable LVR tier upon expiry." }, { "lendingRateType": "FIXED", "rate": "0.0669", "comparisonRate": "0.0678", "calculationFrequency": "P1D", "applicationType": "PERIODIC", "applicationFrequency": "P1M", "interestPaymentDue": "IN_ARREARS", "repaymentType": "PRINCIPAL_AND_INTEREST", "loanPurpose": "INVESTMENT", "tiers": [ { "name": "OVER 60-80%LVR", "unitOfMeasure": "PERCENT", "minimumValue": "0.600100", "maximumValue": "0.800000", "rateApplicationMethod": "WHOLE_BALANCE" } ], "additionalValue": "P2Y", "additionalInfo": "Rate reverts to variable PI rate of applicable LVR tier upon expiry." }, { "lendingRateType": "FIXED", "rate": "0.0679", "comparisonRate": "0.0684", "calculationFrequency": "P1D", "applicationType": "PERIODIC", "applicationFrequency": "P1M", "interestPaymentDue": "IN_ARREARS", "repaymentType": "PRINCIPAL_AND_INTEREST", "loanPurpose": "INVESTMENT", "tiers": [ { "name": "OVER 60-80%LVR", "unitOfMeasure": "PERCENT", "minimumValue": "0.600100", "maximumValue": "0.800000", "rateApplicationMethod": "WHOLE_BALANCE" } ], "additionalValue": "P3Y", "additionalInfo": "Rate reverts to variable PI rate of applicable LVR tier upon expiry." }, { "lendingRateType": "FIXED", "rate": "0.0689", "comparisonRate": "0.0691", "calculationFrequency": "P1D", "applicationType": "PERIODIC", "applicationFrequency": "P1M", "interestPaymentDue": "IN_ARREARS", "repaymentType": "PRINCIPAL_AND_INTEREST", "loanPurpose": "INVESTMENT", "tiers": [ { "name": "OVER 60-80%LVR", "unitOfMeasure": "PERCENT", "minimumValue": "0.600100", "maximumValue": "0.800000", "rateApplicationMethod": "WHOLE_BALANCE" } ], "additionalValue": "P4Y", "additionalInfo": "Rate reverts to variable PI rate of applicable LVR tier upon expiry." }, { "lendingRateType": "FIXED", "rate": "0.0699", "comparisonRate": "0.0699", "calculationFrequency": "P1D", "applicationType": "PERIODIC", "applicationFrequency": "P1M", "interestPaymentDue": "IN_ARREARS", "repaymentType": "PRINCIPAL_AND_INTEREST", "loanPurpose": "INVESTMENT", "tiers": [ { "name": "OVER 60-80%LVR", "unitOfMeasure": "PERCENT", "minimumValue": "0.600100", "maximumValue": "0.800000", "rateApplicationMethod": "WHOLE_BALANCE" } ], "additionalValue": "P5Y", "additionalInfo": "Rate reverts to variable PI rate of applicable LVR tier upon expiry." }, { "lendingRateType": "VARIABLE", "rate": "0.0688", "comparisonRate": "0.0721", "calculationFrequency": "P1D", "applicationType": "PERIODIC", "applicationFrequency": "P1M", "interestPaymentDue": "IN_ARREARS", "repaymentType": "PRINCIPAL_AND_INTEREST", "loanPurpose": "INVESTMENT", "tiers": [ { "name": "OVER 80-95%LVR", "unitOfMeasure": "PERCENT", "minimumValue": "0.800100", "maximumValue": "0.950000", "rateApplicationMethod": "WHOLE_BALANCE" } ] }, { "lendingRateType": "FIXED", "rate": "0.0699", "comparisonRate": "0.0723", "calculationFrequency": "P1D", "applicationType": "PERIODIC", "applicationFrequency": "P1M", "interestPaymentDue": "IN_ARREARS", "repaymentType": "PRINCIPAL_AND_INTEREST", "loanPurpose": "INVESTMENT", "tiers": [ { "name": "OVER 80-95%LVR", "unitOfMeasure": "PERCENT", "minimumValue": "0.800100", "maximumValue": "0.950000", "rateApplicationMethod": "WHOLE_BALANCE" } ], "additionalValue": "P1Y", "additionalInfo": "Rate reverts to variable PI rate of applicable LVR tier upon expiry." }, { "lendingRateType": "FIXED", "rate": "0.0719", "comparisonRate": "0.0728", "calculationFrequency": "P1D", "applicationType": "PERIODIC", "applicationFrequency": "P1M", "interestPaymentDue": "IN_ARREARS", "repaymentType": "PRINCIPAL_AND_INTEREST", "loanPurpose": "INVESTMENT", "tiers": [ { "name": "OVER 80-95%LVR", "unitOfMeasure": "PERCENT", "minimumValue": "0.800100", "maximumValue": "0.950000", "rateApplicationMethod": "WHOLE_BALANCE" } ], "additionalValue": "P2Y", "additionalInfo": "Rate reverts to variable PI rate of applicable LVR tier upon expiry." }, { "lendingRateType": "FIXED", "rate": "0.0729", "comparisonRate": "0.0733", "calculationFrequency": "P1D", "applicationType": "PERIODIC", "applicationFrequency": "P1M", "interestPaymentDue": "IN_ARREARS", "repaymentType": "PRINCIPAL_AND_INTEREST", "loanPurpose": "INVESTMENT", "tiers": [ { "name": "OVER 80-95%LVR", "unitOfMeasure": "PERCENT", "minimumValue": "0.800100", "maximumValue": "0.950000", "rateApplicationMethod": "WHOLE_BALANCE" } ], "additionalValue": "P3Y", "additionalInfo": "Rate reverts to variable PI rate of applicable LVR tier upon expiry." }, { "lendingRateType": "FIXED", "rate": "0.0739", "comparisonRate": "0.0741", "calculationFrequency": "P1D", "applicationType": "PERIODIC", "applicationFrequency": "P1M", "interestPaymentDue": "IN_ARREARS", "repaymentType": "PRINCIPAL_AND_INTEREST", "loanPurpose": "INVESTMENT", "tiers": [ { "name": "OVER 80-95%LVR", "unitOfMeasure": "PERCENT", "minimumValue": "0.800100", "maximumValue": "0.950000", "rateApplicationMethod": "WHOLE_BALANCE" } ], "additionalValue": "P4Y", "additionalInfo": "Rate reverts to variable PI rate of applicable LVR tier upon expiry." }, { "lendingRateType": "FIXED", "rate": "0.0749", "comparisonRate": "0.0749", "calculationFrequency": "P1D", "applicationType": "PERIODIC", "applicationFrequency": "P1M", "interestPaymentDue": "IN_ARREARS", "repaymentType": "PRINCIPAL_AND_INTEREST", "loanPurpose": "INVESTMENT", "tiers": [ { "name": "OVER 80-95%LVR", "unitOfMeasure": "PERCENT", "minimumValue": "0.800100", "maximumValue": "0.950000", "rateApplicationMethod": "WHOLE_BALANCE" } ], "additionalValue": "P5Y", "additionalInfo": "Rate reverts to variable PI rate of applicable LVR tier upon expiry." }, { "lendingRateType": "VARIABLE", "rate": "0.0658", "comparisonRate": "0.0681", "calculationFrequency": "P1D", "applicationType": "PERIODIC", "applicationFrequency": "P1M", "interestPaymentDue": "IN_ARREARS", "repaymentType": "INTEREST_ONLY", "loanPurpose": "INVESTMENT", "tiers": [ { "name": "UP TO 60%LVR", "unitOfMeasure": "PERCENT", "minimumValue": "0.000000", "maximumValue": "0.600000", "rateApplicationMethod": "WHOLE_BALANCE" } ], "additionalInfo": "Interest Only options available for up to 5yrs at a time. Rate reverts to variable PI rate of applicable LVR tier upon expiry." }, { "lendingRateType": "FIXED", "rate": "0.0679", "comparisonRate": "0.0676", "calculationFrequency": "P1D", "applicationType": "PERIODIC", "applicationFrequency": "P1M", "interestPaymentDue": "IN_ARREARS", "repaymentType": "INTEREST_ONLY", "loanPurpose": "INVESTMENT", "tiers": [ { "name": "UP TO 60%LVR", "unitOfMeasure": "PERCENT", "minimumValue": "0.000000", "maximumValue": "0.600000", "rateApplicationMethod": "WHOLE_BALANCE" } ], "additionalValue": "P1Y", "additionalInfo": "Rate reverts to variable PI rate of applicable LVR tier upon expiry." }, { "lendingRateType": "FIXED", "rate": "0.0689", "comparisonRate": "0.0682", "calculationFrequency": "P1D", "applicationType": "PERIODIC", "applicationFrequency": "P1M", "interestPaymentDue": "IN_ARREARS", "repaymentType": "INTEREST_ONLY", "loanPurpose": "INVESTMENT", "tiers": [ { "name": "UP TO 60%LVR", "unitOfMeasure": "PERCENT", "minimumValue": "0.000000", "maximumValue": "0.600000", "rateApplicationMethod": "WHOLE_BALANCE" } ], "additionalValue": "P2Y", "additionalInfo": "Rate reverts to variable PI rate of applicable LVR tier upon expiry." }, { "lendingRateType": "FIXED", "rate": "0.0699", "comparisonRate": "0.069", "calculationFrequency": "P1D", "applicationType": "PERIODIC", "applicationFrequency": "P1M", "interestPaymentDue": "IN_ARREARS", "repaymentType": "INTEREST_ONLY", "loanPurpose": "INVESTMENT", "tiers": [ { "name": "UP TO 60%LVR", "unitOfMeasure": "PERCENT", "minimumValue": "0.000000", "maximumValue": "0.600000", "rateApplicationMethod": "WHOLE_BALANCE" } ], "additionalValue": "P3Y", "additionalInfo": "Rate reverts to variable PI rate of applicable LVR tier upon expiry." }, { "lendingRateType": "FIXED", "rate": "0.0709", "comparisonRate": "0.0699", "calculationFrequency": "P1D", "applicationType": "PERIODIC", "applicationFrequency": "P1M", "interestPaymentDue": "IN_ARREARS", "repaymentType": "INTEREST_ONLY", "loanPurpose": "INVESTMENT", "tiers": [ { "name": "UP TO 60%LVR", "unitOfMeasure": "PERCENT", "minimumValue": "0.000000", "maximumValue": "0.600000", "rateApplicationMethod": "WHOLE_BALANCE" } ], "additionalValue": "P4Y", "additionalInfo": "Rate reverts to variable PI rate of applicable LVR tier upon expiry." }, { "lendingRateType": "FIXED", "rate": "0.0719", "comparisonRate": "0.0708", "calculationFrequency": "P1D", "applicationType": "PERIODIC", "applicationFrequency": "P1M", "interestPaymentDue": "IN_ARREARS", "repaymentType": "INTEREST_ONLY", "loanPurpose": "INVESTMENT", "tiers": [ { "name": "UP TO 60%LVR", "unitOfMeasure": "PERCENT", "minimumValue": "0.000000", "maximumValue": "0.600000", "rateApplicationMethod": "WHOLE_BALANCE" } ], "additionalValue": "P5Y", "additionalInfo": "Rate reverts to variable PI rate of applicable LVR tier upon expiry." }, { "lendingRateType": "VARIABLE", "rate": "0.0658", "comparisonRate": "0.0681", "calculationFrequency": "P1D", "applicationType": "PERIODIC", "applicationFrequency": "P1M", "interestPaymentDue": "IN_ARREARS", "repaymentType": "INTEREST_ONLY", "loanPurpose": "INVESTMENT", "tiers": [ { "name": "OVER 60-80%LVR", "unitOfMeasure": "PERCENT", "minimumValue": "0.600100", "maximumValue": "0.800000", "rateApplicationMethod": "WHOLE_BALANCE" } ], "additionalInfo": "Interest Only options available for up to 5yrs at a time. Rate reverts to variable PI rate of applicable LVR tier upon expiry." }, { "lendingRateType": "FIXED", "rate": "0.0679", "comparisonRate": "0.0676", "calculationFrequency": "P1D", "applicationType": "PERIODIC", "applicationFrequency": "P1M", "interestPaymentDue": "IN_ARREARS", "repaymentType": "INTEREST_ONLY", "loanPurpose": "INVESTMENT", "tiers": [ { "name": "OVER 60-80%LVR", "unitOfMeasure": "PERCENT", "minimumValue": "0.600100", "maximumValue": "0.800000", "rateApplicationMethod": "WHOLE_BALANCE" } ], "additionalValue": "P1Y", "additionalInfo": "Rate reverts to variable PI rate of applicable LVR tier upon expiry." }, { "lendingRateType": "FIXED", "rate": "0.0689", "comparisonRate": "0.0682", "calculationFrequency": "P1D", "applicationType": "PERIODIC", "applicationFrequency": "P1M", "interestPaymentDue": "IN_ARREARS", "repaymentType": "INTEREST_ONLY", "loanPurpose": "INVESTMENT", "tiers": [ { "name": "OVER 60-80%LVR", "unitOfMeasure": "PERCENT", "minimumValue": "0.600100", "maximumValue": "0.800000", "rateApplicationMethod": "WHOLE_BALANCE" } ], "additionalValue": "P2Y", "additionalInfo": "Rate reverts to variable PI rate of applicable LVR tier upon expiry." }, { "lendingRateType": "FIXED", "rate": "0.0699", "comparisonRate": "0.069", "calculationFrequency": "P1D", "applicationType": "PERIODIC", "applicationFrequency": "P1M", "interestPaymentDue": "IN_ARREARS", "repaymentType": "INTEREST_ONLY", "loanPurpose": "INVESTMENT", "tiers": [ { "name": "OVER 60-80%LVR", "unitOfMeasure": "PERCENT", "minimumValue": "0.600100", "maximumValue": "0.800000", "rateApplicationMethod": "WHOLE_BALANCE" } ], "additionalValue": "P3Y", "additionalInfo": "Rate reverts to variable PI rate of applicable LVR tier upon expiry." }, { "lendingRateType": "FIXED", "rate": "0.0709", "comparisonRate": "0.0699", "calculationFrequency": "P1D", "applicationType": "PERIODIC", "applicationFrequency": "P1M", "interestPaymentDue": "IN_ARREARS", "repaymentType": "INTEREST_ONLY", "loanPurpose": "INVESTMENT", "tiers": [ { "name": "OVER 60-80%LVR", "unitOfMeasure": "PERCENT", "minimumValue": "0.600100", "maximumValue": "0.800000", "rateApplicationMethod": "WHOLE_BALANCE" } ], "additionalValue": "P4Y", "additionalInfo": "Rate reverts to variable PI rate of applicable LVR tier upon expiry." }, { "lendingRateType": "FIXED", "rate": "0.0719", "comparisonRate": "0.0708", "calculationFrequency": "P1D", "applicationType": "PERIODIC", "applicationFrequency": "P1M", "interestPaymentDue": "IN_ARREARS", "repaymentType": "INTEREST_ONLY", "loanPurpose": "INVESTMENT", "tiers": [ { "name": "OVER 60-80%LVR", "unitOfMeasure": "PERCENT", "minimumValue": "0.600100", "maximumValue": "0.800000", "rateApplicationMethod": "WHOLE_BALANCE" } ], "additionalValue": "P5Y", "additionalInfo": "Rate reverts to variable PI rate of applicable LVR tier upon expiry." }, { "lendingRateType": "VARIABLE", "rate": "0.0708", "comparisonRate": "0.073", "calculationFrequency": "P1D", "applicationType": "PERIODIC", "applicationFrequency": "P1M", "interestPaymentDue": "IN_ARREARS", "repaymentType": "INTEREST_ONLY", "loanPurpose": "INVESTMENT", "tiers": [ { "name": "OVER 80-95%LVR", "unitOfMeasure": "PERCENT", "minimumValue": "0.800100", "maximumValue": "0.950000", "rateApplicationMethod": "WHOLE_BALANCE" } ], "additionalInfo": "Interest Only options available up to 5yrs at a time. Rate reverts to variable PI rate of applicable LVR tier upon expiry." }, { "lendingRateType": "FIXED", "rate": "0.0719", "comparisonRate": "0.0725", "calculationFrequency": "P1D", "applicationType": "PERIODIC", "applicationFrequency": "P1M", "interestPaymentDue": "IN_ARREARS", "repaymentType": "INTEREST_ONLY", "loanPurpose": "INVESTMENT", "tiers": [ { "name": "OVER 80-95%LVR", "unitOfMeasure": "PERCENT", "minimumValue": "0.800100", "maximumValue": "0.950000", "rateApplicationMethod": "WHOLE_BALANCE" } ], "additionalValue": "P1Y", "additionalInfo": "Rate reverts to variable PI rate of applicable LVR tier upon expiry." }, { "lendingRateType": "FIXED", "rate": "0.0739", "comparisonRate": "0.0732", "calculationFrequency": "P1D", "applicationType": "PERIODIC", "applicationFrequency": "P1M", "interestPaymentDue": "IN_ARREARS", "repaymentType": "INTEREST_ONLY", "loanPurpose": "INVESTMENT", "tiers": [ { "name": "OVER 80-95%LVR", "unitOfMeasure": "PERCENT", "minimumValue": "0.800100", "maximumValue": "0.950000", "rateApplicationMethod": "WHOLE_BALANCE" } ], "additionalValue": "P2Y", "additionalInfo": "Rate reverts to variable PI rate of applicable LVR tier upon expiry." }, { "lendingRateType": "FIXED", "rate": "0.0749", "comparisonRate": "0.0739", "calculationFrequency": "P1D", "applicationType": "PERIODIC", "applicationFrequency": "P1M", "interestPaymentDue": "IN_ARREARS", "repaymentType": "INTEREST_ONLY", "loanPurpose": "INVESTMENT", "tiers": [ { "name": "OVER 80-95%LVR", "unitOfMeasure": "PERCENT", "minimumValue": "0.800100", "maximumValue": "0.950000", "rateApplicationMethod": "WHOLE_BALANCE" } ], "additionalValue": "P3Y", "additionalInfo": "Rate reverts to variable PI rate of applicable LVR tier upon expiry." }, { "lendingRateType": "FIXED", "rate": "0.0759", "comparisonRate": "0.0748", "calculationFrequency": "P1D", "applicationType": "PERIODIC", "applicationFrequency": "P1M", "interestPaymentDue": "IN_ARREARS", "repaymentType": "INTEREST_ONLY", "loanPurpose": "INVESTMENT", "tiers": [ { "name": "OVER 80-95%LVR", "unitOfMeasure": "PERCENT", "minimumValue": "0.800100", "maximumValue": "0.950000", "rateApplicationMethod": "WHOLE_BALANCE" } ], "additionalValue": "P4Y", "additionalInfo": "Rate reverts to variable PI rate of applicable LVR tier upon expiry." }, { "lendingRateType": "FIXED", "rate": "0.0769", "comparisonRate": "0.0758", "calculationFrequency": "P1D", "applicationType": "PERIODIC", "applicationFrequency": "P1M", "interestPaymentDue": "IN_ARREARS", "repaymentType": "INTEREST_ONLY", "loanPurpose": "INVESTMENT", "tiers": [ { "name": "OVER 80-95%LVR", "unitOfMeasure": "PERCENT", "minimumValue": "0.800100", "maximumValue": "0.950000", "rateApplicationMethod": "WHOLE_BALANCE" } ], "additionalValue": "P5Y", "additionalInfo": "Rate reverts to variable PI rate of applicable LVR tier upon expiry." }, { "lendingRateType": "VARIABLE", "rate": "0.0638", "comparisonRate": "0.0661", "calculationFrequency": "P1D", "applicationType": "PERIODIC", "applicationFrequency": "P1M", "interestPaymentDue": "IN_ARREARS", "repaymentType": "INTEREST_ONLY", "loanPurpose": "OWNER_OCCUPIED", "tiers": [ { "name": "UP TO 60%LVR", "unitOfMeasure": "PERCENT", "minimumValue": "0.000000", "maximumValue": "0.600000", "rateApplicationMethod": "WHOLE_BALANCE" } ], "additionalInfo": "Interest Only options available for up to 5yrs at a time. Rate reverts to variable PI rate of applicable LVR tier upon expiry." }, { "lendingRateType": "FIXED", "rate": "0.0659", "comparisonRate": "0.0657", "calculationFrequency": "P1D", "applicationType": "PERIODIC", "applicationFrequency": "P1M", "interestPaymentDue": "IN_ARREARS", "repaymentType": "INTEREST_ONLY", "loanPurpose": "OWNER_OCCUPIED", "tiers": [ { "name": "UP TO 60%LVR", "unitOfMeasure": "PERCENT", "minimumValue": "0.000000", "maximumValue": "0.600000", "rateApplicationMethod": "WHOLE_BALANCE" } ], "additionalValue": "P1Y", "additionalInfo": "Rate reverts to variable PI rate of applicable LVR tier upon expiry." }, { "lendingRateType": "FIXED", "rate": "0.0669", "comparisonRate": "0.0663", "calculationFrequency": "P1D", "applicationType": "PERIODIC", "applicationFrequency": "P1M", "interestPaymentDue": "IN_ARREARS", "repaymentType": "INTEREST_ONLY", "loanPurpose": "OWNER_OCCUPIED", "tiers": [ { "name": "UP TO 60%LVR", "unitOfMeasure": "PERCENT", "minimumValue": "0.000000", "maximumValue": "0.600000", "rateApplicationMethod": "WHOLE_BALANCE" } ], "additionalValue": "P2Y", "additionalInfo": "Rate reverts to variable PI rate of applicable LVR tier upon expiry." }, { "lendingRateType": "FIXED", "rate": "0.0679", "comparisonRate": "0.067", "calculationFrequency": "P1D", "applicationType": "PERIODIC", "applicationFrequency": "P1M", "interestPaymentDue": "IN_ARREARS", "repaymentType": "INTEREST_ONLY", "loanPurpose": "OWNER_OCCUPIED", "tiers": [ { "name": "UP TO 60%LVR", "unitOfMeasure": "PERCENT", "minimumValue": "0.000000", "maximumValue": "0.600000", "rateApplicationMethod": "WHOLE_BALANCE" } ], "additionalValue": "P3Y", "additionalInfo": "Rate reverts to variable PI rate of applicable LVR tier upon expiry." }, { "lendingRateType": "FIXED", "rate": "0.0689", "comparisonRate": "0.0679", "calculationFrequency": "P1D", "applicationType": "PERIODIC", "applicationFrequency": "P1M", "interestPaymentDue": "IN_ARREARS", "repaymentType": "INTEREST_ONLY", "loanPurpose": "OWNER_OCCUPIED", "tiers": [ { "name": "UP TO 60%LVR", "unitOfMeasure": "PERCENT", "minimumValue": "0.000000", "maximumValue": "0.600000", "rateApplicationMethod": "WHOLE_BALANCE" } ], "additionalValue": "P4Y", "additionalInfo": "Rate reverts to variable PI rate of applicable LVR tier upon expiry." }, { "lendingRateType": "FIXED", "rate": "0.0699", "comparisonRate": "0.0688", "calculationFrequency": "P1D", "applicationType": "PERIODIC", "applicationFrequency": "P1M", "interestPaymentDue": "IN_ARREARS", "repaymentType": "INTEREST_ONLY", "loanPurpose": "OWNER_OCCUPIED", "tiers": [ { "name": "UP TO 60%LVR", "unitOfMeasure": "PERCENT", "minimumValue": "0.000000", "maximumValue": "0.600000", "rateApplicationMethod": "WHOLE_BALANCE" } ], "additionalValue": "P5Y", "additionalInfo": "Rate reverts to variable PI rate of applicable LVR tier upon expiry." }, { "lendingRateType": "VARIABLE", "rate": "0.0638", "comparisonRate": "0.0661", "calculationFrequency": "P1D", "applicationType": "PERIODIC", "applicationFrequency": "P1M", "interestPaymentDue": "IN_ARREARS", "repaymentType": "INTEREST_ONLY", "loanPurpose": "OWNER_OCCUPIED", "tiers": [ { "name": "OVER 60-80%LVR", "unitOfMeasure": "PERCENT", "minimumValue": "0.600100", "maximumValue": "0.800000", "rateApplicationMethod": "WHOLE_BALANCE" } ], "additionalInfo": "Interest Only options available up to 5yrs at a time. Rate reverts to variable PI rate of applicable LVR tier upon expiry." }, { "lendingRateType": "FIXED", "rate": "0.0659", "comparisonRate": "0.0657", "calculationFrequency": "P1D", "applicationType": "PERIODIC", "applicationFrequency": "P1M", "interestPaymentDue": "IN_ARREARS", "repaymentType": "INTEREST_ONLY", "loanPurpose": "OWNER_OCCUPIED", "tiers": [ { "name": "OVER 60-80%LVR", "unitOfMeasure": "PERCENT", "minimumValue": "0.600100", "maximumValue": "0.800000", "rateApplicationMethod": "WHOLE_BALANCE" } ], "additionalValue": "P1Y", "additionalInfo": "Rate reverts to variable PI rate of applicable LVR tier upon expiry." }, { "lendingRateType": "FIXED", "rate": "0.0669", "comparisonRate": "0.0663", "calculationFrequency": "P1D", "applicationType": "PERIODIC", "applicationFrequency": "P1M", "interestPaymentDue": "IN_ARREARS", "repaymentType": "INTEREST_ONLY", "loanPurpose": "OWNER_OCCUPIED", "tiers": [ { "name": "OVER 60-80%LVR", "unitOfMeasure": "PERCENT", "minimumValue": "0.600100", "maximumValue": "0.800000", "rateApplicationMethod": "WHOLE_BALANCE" } ], "additionalValue": "P2Y", "additionalInfo": "Rate reverts to variable PI rate of applicable LVR tier upon expiry." }, { "lendingRateType": "FIXED", "rate": "0.0679", "comparisonRate": "0.067", "calculationFrequency": "P1D", "applicationType": "PERIODIC", "applicationFrequency": "P1M", "interestPaymentDue": "IN_ARREARS", "repaymentType": "INTEREST_ONLY", "loanPurpose": "OWNER_OCCUPIED", "tiers": [ { "name": "OVER 60-80%LVR", "unitOfMeasure": "PERCENT", "minimumValue": "0.600100", "maximumValue": "0.800000", "rateApplicationMethod": "WHOLE_BALANCE" } ], "additionalValue": "P3Y", "additionalInfo": "Rate reverts to variable PI rate of applicable LVR tier upon expiry." }, { "lendingRateType": "FIXED", "rate": "0.0689", "comparisonRate": "0.0679", "calculationFrequency": "P1D", "applicationType": "PERIODIC", "applicationFrequency": "P1M", "interestPaymentDue": "IN_ARREARS", "repaymentType": "INTEREST_ONLY", "loanPurpose": "OWNER_OCCUPIED", "tiers": [ { "name": "OVER 60-80%LVR", "unitOfMeasure": "PERCENT", "minimumValue": "0.600100", "maximumValue": "0.800000", "rateApplicationMethod": "WHOLE_BALANCE" } ], "additionalValue": "P4Y", "additionalInfo": "Rate reverts to variable PI rate of applicable LVR tier upon expiry." }, { "lendingRateType": "FIXED", "rate": "0.0699", "comparisonRate": "0.0688", "calculationFrequency": "P1D", "applicationType": "PERIODIC", "applicationFrequency": "P1M", "interestPaymentDue": "IN_ARREARS", "repaymentType": "INTEREST_ONLY", "loanPurpose": "OWNER_OCCUPIED", "tiers": [ { "name": "OVER 60-80%LVR", "unitOfMeasure": "PERCENT", "minimumValue": "0.600100", "maximumValue": "0.800000", "rateApplicationMethod": "WHOLE_BALANCE" } ], "additionalValue": "P5Y", "additionalInfo": "Rate reverts to variable PI rate of applicable LVR tier upon expiry." }, { "lendingRateType": "VARIABLE", "rate": "0.0688", "comparisonRate": "0.0711", "calculationFrequency": "P1D", "applicationType": "PERIODIC", "applicationFrequency": "P1M", "interestPaymentDue": "IN_ARREARS", "repaymentType": "INTEREST_ONLY", "loanPurpose": "OWNER_OCCUPIED", "tiers": [ { "name": "OVER 80-95%LVR", "unitOfMeasure": "PERCENT", "minimumValue": "0.800100", "maximumValue": "0.950000", "rateApplicationMethod": "WHOLE_BALANCE" } ], "additionalInfo": "Interest Only options available for up to 5yrs at a time. Rate reverts to variable PI rate of applicable LVR tier upon expiry." }, { "lendingRateType": "FIXED", "rate": "0.0699", "comparisonRate": "0.0705", "calculationFrequency": "P1D", "applicationType": "PERIODIC", "applicationFrequency": "P1M", "interestPaymentDue": "IN_ARREARS", "repaymentType": "INTEREST_ONLY", "loanPurpose": "OWNER_OCCUPIED", "tiers": [ { "name": "OVER 80-95%LVR", "unitOfMeasure": "PERCENT", "minimumValue": "0.800100", "maximumValue": "0.950000", "rateApplicationMethod": "WHOLE_BALANCE" } ], "additionalValue": "P1Y", "additionalInfo": "Rate reverts to variable PI rate of applicable LVR tier upon expiry." }, { "lendingRateType": "FIXED", "rate": "0.0719", "comparisonRate": "0.0712", "calculationFrequency": "P1D", "applicationType": "PERIODIC", "applicationFrequency": "P1M", "interestPaymentDue": "IN_ARREARS", "repaymentType": "INTEREST_ONLY", "loanPurpose": "OWNER_OCCUPIED", "tiers": [ { "name": "OVER 80-95%LVR", "unitOfMeasure": "PERCENT", "minimumValue": "0.800100", "maximumValue": "0.950000", "rateApplicationMethod": "WHOLE_BALANCE" } ], "additionalValue": "P2Y", "additionalInfo": "Rate reverts to variable PI rate of applicable LVR tier upon expiry." }, { "lendingRateType": "FIXED", "rate": "0.0729", "comparisonRate": "0.072", "calculationFrequency": "P1D", "applicationType": "PERIODIC", "applicationFrequency": "P1M", "interestPaymentDue": "IN_ARREARS", "repaymentType": "INTEREST_ONLY", "loanPurpose": "OWNER_OCCUPIED", "tiers": [ { "name": "OVER 80-95%LVR", "unitOfMeasure": "PERCENT", "minimumValue": "0.800100", "maximumValue": "0.950000", "rateApplicationMethod": "WHOLE_BALANCE" } ], "additionalValue": "P3Y", "additionalInfo": "Rate reverts to variable PI rate of applicable LVR tier upon expiry." }, { "lendingRateType": "FIXED", "rate": "0.0739", "comparisonRate": "0.0728", "calculationFrequency": "P1D", "applicationType": "PERIODIC", "applicationFrequency": "P1M", "interestPaymentDue": "IN_ARREARS", "repaymentType": "INTEREST_ONLY", "loanPurpose": "OWNER_OCCUPIED", "tiers": [ { "name": "OVER 80-95%LVR", "unitOfMeasure": "PERCENT", "minimumValue": "0.800100", "maximumValue": "0.950000", "rateApplicationMethod": "WHOLE_BALANCE" } ], "additionalValue": "P4Y", "additionalInfo": "Rate reverts to variable PI rate of applicable LVR tier upon expiry." }, { "lendingRateType": "FIXED", "rate": "0.0749", "comparisonRate": "0.0738", "calculationFrequency": "P1D", "applicationType": "PERIODIC", "applicationFrequency": "P1M", "interestPaymentDue": "IN_ARREARS", "repaymentType": "INTEREST_ONLY", "loanPurpose": "OWNER_OCCUPIED", "tiers": [ { "name": "OVER 80-95%LVR", "unitOfMeasure": "PERCENT", "minimumValue": "0.800100", "maximumValue": "0.950000", "rateApplicationMethod": "WHOLE_BALANCE" } ], "additionalValue": "P5Y", "additionalInfo": "Rate reverts to variable PI rate of applicable LVR tier upon expiry." } ], "productCategory": "RESIDENTIAL_MORTGAGES", "productId": "PREMIUM_HOME_LOAN", "effectiveFrom": "2025-08-29T00:00:00.000+10:00", "lastUpdated": "2026-11-13T11:05:45.000+11:00", "name": "PREMIUM HOME LOAN", "description": "Suitable for Investment and Owner Occupied residential borrowing. LVR up to 95%. Fixed and Variable rates available including for construction purpose (variable only)", "brand": "S", "brandName": "SCCU", "applicationUri": "https://sccu.apply-online.com.au/#/0923jvo2-fewf-4be3-89e7-mkfin2fbffj2", "isTailored": false, "additionalInformation": { "overviewUri": "https://www.sccu.com.au/home-loans/", "termsUri": "https://www.sccu.com.au/sccu-loan-contract-general-terms-and-conditions/", "eligibilityUri": "https://www.sccu.com.au/target-market-determination/", "feesAndPricingUri": "https://www.sccu.com.au/Schedule-of-Fees-and-Charges-Home-Loan-and-Personal-Loan" } } }