{
  "snapshot_at": "2026-11-13T01:23:24Z",
  "brand": "UBank",
  "brand_slug": "ubank",
  "product_id": "7",
  "cdr_url": "https://public.cdr-api.86400.com.au/cds-au/v1/banking/products/7",
  "x_v": 7,
  "how_to_fetch": "curl -H 'x-v: 7' 'https://public.cdr-api.86400.com.au/cds-au/v1/banking/products/7'",
  "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": "7",
    "effectiveFrom": "2019-03-31T13:30:00.0000000Z",
    "lastUpdated": "2026-11-13T00:00:33.9504780Z",
    "productCategory": "RESIDENTIAL_MORTGAGES",
    "name": "Flex - Variable INV P&I",
    "description": "Offset up to 100% interest on your home loan with multiple ubank accounts and unlimited additional payments (investment, principal and interest loan).",
    "brand": "ubank",
    "applicationUri": "https://www.ubank.com.au/home-loans/get-started",
    "isTailored": false,
    "additionalInformation": {
      "overviewUri": "https://www.ubank.com.au/home-loans/flex-variable-rate-home-loans",
      "termsUri": "https://cms.ubank.com.au/wp-content/uploads/home-loan-terms.pdf",
      "eligibilityUri": "https://www.ubank.com.au/home-loans/home-loan-eligibility",
      "feesAndPricingUri": "https://www.ubank.com.au/home-loans/interest-rates-and-fees"
    },
    "features": [
      {
        "featureType": "DIGITAL_BANKING"
      },
      {
        "featureType": "EXTRA_REPAYMENTS"
      },
      {
        "featureType": "NOTIFICATIONS",
        "additionalValue": "Customers can configure notifications for incoming payments, services disruptions and updates, and account access.",
        "additionalInfo": "Customers can configure notifications for incoming payments, services disruptions and updates, and account access."
      },
      {
        "featureType": "NPP_ENABLED"
      },
      {
        "featureType": "OFFSET"
      },
      {
        "featureType": "OTHER",
        "additionalInfo": "Split loan available, subject to product terms and conditions."
      },
      {
        "featureType": "REDRAW"
      }
    ],
    "constraints": [
      {
        "constraintType": "MAX_LIMIT",
        "additionalValue": "5000000.00"
      },
      {
        "constraintType": "MAX_LVR",
        "additionalValue": "90.00"
      },
      {
        "constraintType": "MIN_LIMIT",
        "additionalValue": "80000.00",
        "additionalInfo": "Minimum amount per split loan $20,000.00"
      }
    ],
    "eligibility": [
      {
        "eligibilityType": "EMPLOYMENT_STATUS",
        "additionalValue": "Applicants must be a PAYG employee.",
        "additionalInfo": "Applicants must be a PAYG employee."
      },
      {
        "eligibilityType": "MIN_AGE",
        "additionalValue": "18"
      },
      {
        "eligibilityType": "NATURAL_PERSON"
      },
      {
        "eligibilityType": "OTHER",
        "additionalInfo": "- Max 2 borrowers.\r\n- Be applying either individually, or jointly with their spouse or de facto partner that they currently live with or intend to live with after settlement in the same household (You won't be able to apply with a sibling or parent).\r\n- Credit criteria, fees and charges apply."
      },
      {
        "eligibilityType": "RESIDENCY_STATUS",
        "additionalValue": "Be an Australian or New Zealand citizen, or a permanent resident of Australia.",
        "additionalInfo": "Be an Australian or New Zealand citizen, or a permanent resident of Australia."
      }
    ],
    "fees": [
      {
        "name": "Loan advance fee",
        "feeType": "UPFRONT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "250.00"
        },
        "currency": "AUD",
        "additionalInfo": "To prepare your loan documents and to arrange settlement of the loan.",
        "additionalInfoUri": "https://www.ubank.com.au/home-loans/flex-variable-rate-home-loans"
      },
      {
        "name": "Valuation fee",
        "feeType": "OTHER",
        "feeMethodUType": "variable",
        "variable": {},
        "currency": "AUD",
        "additionalInfo": "First Valuation Fee covered up to $360. Second or further valuations are at cost.",
        "additionalInfoUri": "https://www.ubank.com.au/home-loans/flex-variable-rate-home-loans"
      },
      {
        "name": "Documentation fee",
        "feeType": "EVENT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "100.00"
        },
        "currency": "AUD",
        "additionalInfo": "To issue a new set of loan documents if your requirements change.",
        "additionalInfoUri": "https://www.ubank.com.au/home-loans/flex-variable-rate-home-loans"
      },
      {
        "name": "Discharge fee",
        "feeType": "EVENT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "300.00"
        },
        "currency": "AUD",
        "additionalInfo": "If we discharge a property (security interest) at your request. Charged per security.",
        "additionalInfoUri": "https://www.ubank.com.au/home-loans/flex-variable-rate-home-loans"
      },
      {
        "name": "Production fee",
        "feeType": "EVENT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "110.00"
        },
        "currency": "AUD",
        "additionalInfo": "If we are required to send a certificate of title to another financial institution.",
        "additionalInfoUri": "https://www.ubank.com.au/home-loans/flex-variable-rate-home-loans"
      },
      {
        "name": "Annual fee",
        "feeType": "PERIODIC",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "250.00"
        },
        "currency": "AUD",
        "additionalValue": "P1Y",
        "additionalInfo": "Fee debited every year on the anniversary of the date we first give you the funds. Covers up to 5 Flex home loan accounts.",
        "additionalInfoUri": "https://www.ubank.com.au/home-loans/flex-variable-rate-home-loans"
      }
    ],
    "lendingRates": [
      {
        "lendingRateType": "VARIABLE",
        "rate": "0.0669",
        "comparisonRate": "0.0692",
        "calculationFrequency": "P1D",
        "applicationType": "PERIODIC",
        "applicationFrequency": "P1M",
        "interestPaymentDue": "IN_ARREARS",
        "repaymentType": "PRINCIPAL_AND_INTEREST",
        "loanPurpose": "INVESTMENT",
        "tiers": [
          {
            "name": "LVR 0% to 60%",
            "unitOfMeasure": "PERCENT",
            "minimumValue": "0.0",
            "maximumValue": "0.6",
            "rateApplicationMethod": "WHOLE_BALANCE"
          }
        ],
        "additionalInfo": "Investment with principal and interest repayments.\r\n\r\nInvestment home loans with a loan to value ratio (LVR) of  less than or equal to 60% at time of application.",
        "additionalInfoUri": "https://www.ubank.com.au/home-loans/interest-rates-and-fees"
      },
      {
        "lendingRateType": "VARIABLE",
        "rate": "0.0674",
        "comparisonRate": "0.0697",
        "calculationFrequency": "P1D",
        "applicationType": "PERIODIC",
        "applicationFrequency": "P1M",
        "interestPaymentDue": "IN_ARREARS",
        "repaymentType": "PRINCIPAL_AND_INTEREST",
        "loanPurpose": "INVESTMENT",
        "tiers": [
          {
            "name": "LVR 60.01% to 70%",
            "unitOfMeasure": "PERCENT",
            "minimumValue": "0.6001",
            "maximumValue": "0.7",
            "rateApplicationMethod": "WHOLE_BALANCE"
          }
        ],
        "additionalInfo": "Investment with principal and interest repayments. \r\n\r\nInvestment home loans with a loan to value ratio (LVR) of  less than or equal to 70% at time of application.",
        "additionalInfoUri": "https://www.ubank.com.au/home-loans/interest-rates-and-fees"
      },
      {
        "lendingRateType": "VARIABLE",
        "rate": "0.0679",
        "comparisonRate": "0.0702",
        "calculationFrequency": "P1D",
        "applicationType": "PERIODIC",
        "applicationFrequency": "P1M",
        "interestPaymentDue": "IN_ARREARS",
        "repaymentType": "PRINCIPAL_AND_INTEREST",
        "loanPurpose": "INVESTMENT",
        "tiers": [
          {
            "name": "LVR 70.01% to 80%",
            "unitOfMeasure": "PERCENT",
            "minimumValue": "0.7001",
            "maximumValue": "0.8",
            "rateApplicationMethod": "WHOLE_BALANCE"
          }
        ],
        "additionalInfo": "Investment with principal and interest repayments.\r\n\r\nInvestment home loans with a loan to value ratio (LVR) of  less than or equal to 80% at time of application.",
        "additionalInfoUri": "https://www.ubank.com.au/home-loans/interest-rates-and-fees"
      },
      {
        "lendingRateType": "VARIABLE",
        "rate": "0.0754",
        "comparisonRate": "0.0777",
        "calculationFrequency": "P1D",
        "applicationType": "PERIODIC",
        "applicationFrequency": "P1M",
        "interestPaymentDue": "IN_ARREARS",
        "repaymentType": "PRINCIPAL_AND_INTEREST",
        "loanPurpose": "INVESTMENT",
        "tiers": [
          {
            "name": "LVR 80.01% to 85%",
            "unitOfMeasure": "PERCENT",
            "minimumValue": "0.8001",
            "maximumValue": "0.85",
            "rateApplicationMethod": "WHOLE_BALANCE"
          }
        ],
        "additionalInfo": "Investment with principal and interest repayments.\r\nInvestment home loans with a loan to value ratio (LVR) of  less than or equal to 85% at time of application.",
        "additionalInfoUri": "https://www.ubank.com.au/home-loans/interest-rates-and-fees"
      },
      {
        "lendingRateType": "VARIABLE",
        "rate": "0.0764",
        "comparisonRate": "0.0787",
        "calculationFrequency": "P1D",
        "applicationType": "PERIODIC",
        "applicationFrequency": "P1M",
        "interestPaymentDue": "IN_ARREARS",
        "repaymentType": "PRINCIPAL_AND_INTEREST",
        "loanPurpose": "INVESTMENT",
        "tiers": [
          {
            "name": "LVR 85.01% to 90%",
            "unitOfMeasure": "PERCENT",
            "minimumValue": "0.8501",
            "maximumValue": "0.9",
            "rateApplicationMethod": "WHOLE_BALANCE"
          }
        ],
        "additionalInfo": "Investment with principal and interest repayments.\r\nInvestment home loans with a loan to value ratio (LVR) of  less than or equal to 90% at time of application.",
        "additionalInfoUri": "https://www.ubank.com.au/home-loans/interest-rates-and-fees"
      }
    ]
  }
}