{
  "snapshot_at": "2026-10-15T13:45:27Z",
  "brand": "The Capricornian",
  "brand_slug": "the-capricornian",
  "product_id": "8f169e0c-9488-40fa-97fe-d614ec6bf293",
  "cdr_url": "https://public.cdr.onlinebanking.capricornian.com.au/cds-au/v1/banking/products/8f169e0c-9488-40fa-97fe-d614ec6bf293",
  "x_v": 7,
  "how_to_fetch": "curl -H 'x-v: 7' 'https://public.cdr.onlinebanking.capricornian.com.au/cds-au/v1/banking/products/8f169e0c-9488-40fa-97fe-d614ec6bf293'",
  "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": {
    "brand": "THE CAPRICORNIAN",
    "description": "Our No Frills Home Loan is available to home buyers looking for a variable interest rate with features designed for a smooth and easy experience.",
    "isTailored": false,
    "lastUpdated": "2026-10-08T20:00:00.570333Z",
    "name": "No Frills Owner Occupied Home Loan",
    "productCategory": "RESIDENTIAL_MORTGAGES",
    "productId": "8f169e0c-9488-40fa-97fe-d614ec6bf293",
    "additionalInformation": {
      "overviewUri": "https://www.capricornian.com.au/loans/home-loans/no-frills-home-loan/",
      "termsUri": "https://www.capricornian.com.au/documents/conditions-of-use/",
      "eligibilityUri": "https://www.capricornian.com.au/loans/home-loans/no-frills-home-loan/",
      "feesAndPricingUri": "https://www.capricornian.com.au/about-us/product-rate-fee-disclosures/",
      "bundleUri": null,
      "additionalOverviewUris": null,
      "additionalTermsUris": null,
      "additionalEligibilityUris": null,
      "additionalFeesAndPricingUris": null,
      "additionalBundleUris": null
    },
    "applicationUri": "https://capricornian.apply-online.com.au/#/0cc551c1-69fe-42bb-a75b-4dec12ce6a72",
    "brandName": "THE CAPRICORNIAN",
    "brandGroup": null,
    "cardArt": [],
    "effectiveFrom": "2024-01-22T14:00:00Z",
    "effectiveTo": null,
    "bundles": [],
    "constraints": [
      {
        "constraintType": "MAX_LVR",
        "additionalInfo": "Lenders Mortgage Insurance (LMI) is required where the loan is greater than 80% of the value of the security property for Principal and Interest Loans or 78% for Interest Only Loans. This may vary based on the size and location of the property.",
        "additionalInfoUri": "https://www.capricornian.com.au/loans/home-loans/no-frills-home-loan/",
        "additionalValue": "0.97"
      },
      {
        "constraintType": "MIN_LIMIT",
        "additionalInfo": null,
        "additionalInfoUri": "https://www.capricornian.com.au/loans/home-loans/no-frills-home-loan/",
        "additionalValue": "150000.00"
      }
    ],
    "depositRates": [],
    "eligibility": [
      {
        "eligibilityType": "OTHER",
        "additionalInfo": "New Loans Only or existing borrowers who apply for an increase in their home loan of $150,000 or more.",
        "additionalInfoUri": null,
        "additionalValue": null
      },
      {
        "eligibilityType": "OTHER",
        "additionalInfo": "You will need to become a member of the Credit Union before The Capricornian can accept a loan application.",
        "additionalInfoUri": null,
        "additionalValue": null
      },
      {
        "eligibilityType": "RESIDENCY_STATUS",
        "additionalInfo": null,
        "additionalInfoUri": null,
        "additionalValue": "Individuals must be citizens or permanent residents of Australia."
      },
      {
        "eligibilityType": "MIN_AGE",
        "additionalInfo": null,
        "additionalInfoUri": null,
        "additionalValue": "18"
      }
    ],
    "features": [
      {
        "featureType": "OTHER",
        "additionalInfo": "Interest Only option available on request",
        "additionalInfoUri": null,
        "additionalValue": null
      },
      {
        "featureType": "NPP_PAYID",
        "additionalInfo": "An account of this product type can be used to receive funds as a result of a BSB/Number based NPP payment",
        "additionalInfoUri": null,
        "additionalValue": null
      },
      {
        "featureType": "NPP_ENABLED",
        "additionalInfo": "An account of this product type can be used as the target of an NPP PayID",
        "additionalInfoUri": null,
        "additionalValue": null
      },
      {
        "featureType": "DIGITAL_BANKING",
        "additionalInfo": "Access using The Capricornian Internet Banking or The Cap App",
        "additionalInfoUri": null,
        "additionalValue": null
      },
      {
        "featureType": "REDRAW",
        "additionalInfo": "Redraw of repaid principal above minimum required is available",
        "additionalInfoUri": null,
        "additionalValue": null
      },
      {
        "featureType": "NOTIFICATIONS",
        "additionalInfo": "SMS and/or email notifications available",
        "additionalInfoUri": null,
        "additionalValue": "Notification via email, SMS or secure message in online banking."
      },
      {
        "featureType": "EXTRA_REPAYMENTS",
        "additionalInfo": "Additional repayment options without penalty.",
        "additionalInfoUri": "https://www.capricornian.com.au/loans/home-loans/no-frills-home-loan/",
        "additionalValue": null
      }
    ],
    "fees": [
      {
        "feeType": "EVENT",
        "name": "Mortgage Discharge Fee",
        "additionalInfo": "This fee is payable in addition to solicitors fees, registration, searches and other third party fees that may apply.",
        "additionalInfoUri": null,
        "additionalValue": null,
        "currency": "AUD",
        "discounts": [],
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "300.00"
        },
        "rateBased": null,
        "variable": null,
        "feeCap": null,
        "feeCapPeriod": null
      },
      {
        "feeType": "UPFRONT",
        "name": "Establishment Fee",
        "additionalInfo": "Includes one valuation up to the cost of $300 - Excludes additional valuation costs and solicitors costs to prepare mortgage documents and settlement fees.",
        "additionalInfoUri": null,
        "additionalValue": null,
        "currency": "AUD",
        "discounts": [],
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "600.00"
        },
        "rateBased": null,
        "variable": null,
        "feeCap": null,
        "feeCapPeriod": null
      },
      {
        "feeType": "EVENT",
        "name": "Contract Variation & Consent Fee",
        "additionalInfo": "A fee is charged when a member applies to vary their loan conditions",
        "additionalInfoUri": null,
        "additionalValue": null,
        "currency": "AUD",
        "discounts": [],
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "400.00"
        },
        "rateBased": null,
        "variable": null,
        "feeCap": null,
        "feeCapPeriod": null
      },
      {
        "feeType": "EVENT",
        "name": "Arrears Fees - Default Notice Fee",
        "additionalInfo": "If you don’t make your payment after a period of time in arrears, you will be issued with a default notice.",
        "additionalInfoUri": null,
        "additionalValue": null,
        "currency": "AUD",
        "discounts": [],
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "40.00"
        },
        "rateBased": null,
        "variable": null,
        "feeCap": null,
        "feeCapPeriod": null
      },
      {
        "feeType": "EVENT",
        "name": "Arrears Fees - Reminder call fee",
        "additionalInfo": "Applies when you fail to make your contracted repayments by the repayment due date.",
        "additionalInfoUri": null,
        "additionalValue": null,
        "currency": "AUD",
        "discounts": [],
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "5.00"
        },
        "rateBased": null,
        "variable": null,
        "feeCap": null,
        "feeCapPeriod": null
      },
      {
        "feeType": "UPFRONT",
        "name": "Further Advance Establishment Fee",
        "additionalInfo": "Includes one valuation up to the cost of $300 - Excludes additional valuation costs and solicitors costs to prepare mortgage documents and settlement fees.",
        "additionalInfoUri": null,
        "additionalValue": null,
        "currency": "AUD",
        "discounts": [],
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "400.00"
        },
        "rateBased": null,
        "variable": null,
        "feeCap": null,
        "feeCapPeriod": null
      }
    ],
    "lendingRates": [
      {
        "lendingRateType": "VARIABLE",
        "rate": "0.0664",
        "additionalInfo": "Comparison rate based on $150,000 loan over 25 years. WARNING: This comparison rate is true only for the examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate.",
        "additionalInfoUri": "https://www.capricornian.com.au/loans/home-loans/no-frills-home-loan/",
        "additionalValue": null,
        "applicationFrequency": "P1M",
        "calculationFrequency": "P1D",
        "comparisonRate": "0.0669",
        "interestPaymentDue": "IN_ARREARS",
        "loanPurpose": "OWNER_OCCUPIED",
        "repaymentType": "PRINCIPAL_AND_INTEREST",
        "tiers": [
          {
            "name": "Loan to valuation ratio greater than 80%",
            "unitOfMeasure": "PERCENT",
            "minimumValue": "0.80",
            "maximumValue": "0.97",
            "rateApplicationMethod": "WHOLE_BALANCE",
            "applicabilityConditions": [],
            "additionalInfoUri": "https://www.capricornian.com.au/loans/home-loans/no-frills-home-loan/"
          }
        ],
        "applicabilityConditions": [
          {
            "additionalInfo": "Aged 18 years or older",
            "additionalInfoUri": null,
            "rateApplicabilityType": "OTHER",
            "additionalValue": null
          }
        ],
        "applicationType": "PERIODIC"
      },
      {
        "lendingRateType": "VARIABLE",
        "rate": "0.0624",
        "additionalInfo": "Comparison rate based on $150,000 loan over 25 years. WARNING: This comparison rate is true only for the examples given and may not include all fees and charges. Different terms, fees or other loan",
        "additionalInfoUri": "https://www.capricornian.com.au/home-loan-rates/",
        "additionalValue": null,
        "applicationFrequency": "P1M",
        "calculationFrequency": "P1D",
        "comparisonRate": "0.0629",
        "interestPaymentDue": "IN_ARREARS",
        "loanPurpose": "OWNER_OCCUPIED",
        "repaymentType": "PRINCIPAL_AND_INTEREST",
        "tiers": [
          {
            "name": "Loan to valuation ratio equal to or less than 80%",
            "unitOfMeasure": "PERCENT",
            "minimumValue": "0.00",
            "maximumValue": "0.80",
            "rateApplicationMethod": "WHOLE_BALANCE",
            "applicabilityConditions": []
          }
        ],
        "applicabilityConditions": [
          {
            "additionalInfo": "Aged 18 years or older",
            "additionalInfoUri": null,
            "rateApplicabilityType": "OTHER",
            "additionalValue": null
          }
        ],
        "applicationType": "PERIODIC"
      }
    ],
    "instalments": null
  }
}