{
  "snapshot_at": "2026-11-13T01:23:24Z",
  "brand": "UBank",
  "brand_slug": "ubank",
  "product_id": "9",
  "cdr_url": "https://public.cdr-api.86400.com.au/cds-au/v1/banking/products/9",
  "x_v": 7,
  "how_to_fetch": "curl -H 'x-v: 7' 'https://public.cdr-api.86400.com.au/cds-au/v1/banking/products/9'",
  "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": "9",
    "effectiveFrom": "2019-03-31T13:30:00.0000000Z",
    "lastUpdated": "2026-11-13T00:00:33.9504780Z",
    "productCategory": "RESIDENTIAL_MORTGAGES",
    "name": "Flex - Fixed INV P&I",
    "description": "Lock in your interest rate for 1, 2, 3, or 5 years and be certain of what your home loan repayments will be (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-fixed-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",
        "additionalInfo": "Up to $20,000 in additional repayments is allowed during the fixed rate term before you may incur a break cost fee."
      },
      {
        "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.\r\n\r\n\r\n\r\n\r\n\r\n\r\n"
      },
      {
        "featureType": "NPP_ENABLED"
      },
      {
        "featureType": "OTHER",
        "additionalInfo": "Split loan available, subject to product terms and conditions."
      },
      {
        "featureType": "REDRAW",
        "additionalInfo": "Up to $20,000 redraw allowed without incurring break costs."
      }
    ],
    "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 loan documents and to arrange settlement of the loan.",
        "additionalInfoUri": "https://www.ubank.com.au/home-loans/flex-fixed-rate-home-loans"
      },
      {
        "name": "Rate lock fee",
        "feeType": "EVENT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "500.00"
        },
        "currency": "AUD",
        "additionalInfo": "To lock in the maximum annual percentage rate for 90 days from the application date.",
        "additionalInfoUri": "https://www.ubank.com.au/home-loans/flex-fixed-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-fixed-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-fixed-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-fixed-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-fixed-rate-home-loans"
      },
      {
        "name": "Break costs",
        "feeType": "OTHER",
        "feeMethodUType": "variable",
        "variable": {},
        "currency": "AUD",
        "additionalInfo": "Break costs may be applicable.",
        "additionalInfoUri": "https://www.ubank.com.au/home-loans/flex-fixed-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-fixed-rate-home-loans"
      }
    ],
    "lendingRates": [
      {
        "lendingRateType": "FIXED",
        "rate": "0.0679",
        "comparisonRate": "0.0694",
        "calculationFrequency": "P1D",
        "applicationType": "PERIODIC",
        "applicationFrequency": "P1M",
        "interestPaymentDue": "IN_ARREARS",
        "repaymentType": "PRINCIPAL_AND_INTEREST",
        "loanPurpose": "INVESTMENT",
        "tiers": [
          {
            "name": "1 year fixed",
            "unitOfMeasure": "PERCENT",
            "minimumValue": "0.0",
            "maximumValue": "0.8",
            "rateApplicationMethod": "WHOLE_BALANCE"
          }
        ],
        "additionalValue": "P1Y",
        "additionalInfo": "Investment with principal and interest repayments. Comparison rate is based on loan to value ratio (LVR) of equal to or less than 60%  for variable rate after fixed rate period ends.",
        "additionalInfoUri": "https://www.ubank.com.au/home-loans/interest-rates-and-fees"
      },
      {
        "lendingRateType": "FIXED",
        "rate": "0.0709",
        "comparisonRate": "0.0772",
        "calculationFrequency": "P1D",
        "applicationType": "PERIODIC",
        "applicationFrequency": "P1M",
        "interestPaymentDue": "IN_ARREARS",
        "repaymentType": "PRINCIPAL_AND_INTEREST",
        "loanPurpose": "INVESTMENT",
        "tiers": [
          {
            "name": "1 year fixed LVR 80.01% to 85%",
            "unitOfMeasure": "PERCENT",
            "minimumValue": "0.8001",
            "maximumValue": "0.85",
            "rateApplicationMethod": "WHOLE_BALANCE"
          }
        ],
        "additionalValue": "P1Y",
        "additionalInfo": "Investment with principal and interest repayments. Comparison rate is based on loan to value ratio (LVR) of 85% for variable revert rate after fixed rate period ends.",
        "additionalInfoUri": "https://www.ubank.com.au/home-loans/interest-rates-and-fees"
      },
      {
        "lendingRateType": "FIXED",
        "rate": "0.0719",
        "comparisonRate": "0.0782",
        "calculationFrequency": "P1D",
        "applicationType": "PERIODIC",
        "applicationFrequency": "P1M",
        "interestPaymentDue": "IN_ARREARS",
        "repaymentType": "PRINCIPAL_AND_INTEREST",
        "loanPurpose": "INVESTMENT",
        "tiers": [
          {
            "name": "1 year fixed LVR 85.01% to 90%",
            "unitOfMeasure": "PERCENT",
            "minimumValue": "0.8501",
            "maximumValue": "0.9",
            "rateApplicationMethod": "WHOLE_BALANCE"
          }
        ],
        "additionalValue": "P1Y",
        "additionalInfo": "Investment with principal and interest repayments. Comparison rate is based on loan to value ratio (LVR) of 90% for variable revert rate after fixed rate period ends.",
        "additionalInfoUri": "https://www.ubank.com.au/home-loans/interest-rates-and-fees"
      },
      {
        "lendingRateType": "FIXED",
        "rate": "0.0684",
        "comparisonRate": "0.0696",
        "calculationFrequency": "P1D",
        "applicationType": "PERIODIC",
        "applicationFrequency": "P1M",
        "interestPaymentDue": "IN_ARREARS",
        "repaymentType": "PRINCIPAL_AND_INTEREST",
        "loanPurpose": "INVESTMENT",
        "tiers": [
          {
            "name": "2 year fixed",
            "unitOfMeasure": "PERCENT",
            "minimumValue": "0.0",
            "maximumValue": "0.8",
            "rateApplicationMethod": "WHOLE_BALANCE"
          }
        ],
        "additionalValue": "P2Y",
        "additionalInfo": "Investment with principal and interest repayments. Comparison rate is based on loan to value ratio (LVR) of equal to or less than 60%  for variable rate after fixed rate period ends.",
        "additionalInfoUri": "https://www.ubank.com.au/home-loans/interest-rates-and-fees"
      },
      {
        "lendingRateType": "FIXED",
        "rate": "0.0714",
        "comparisonRate": "0.0768",
        "calculationFrequency": "P1D",
        "applicationType": "PERIODIC",
        "applicationFrequency": "P1M",
        "interestPaymentDue": "IN_ARREARS",
        "repaymentType": "PRINCIPAL_AND_INTEREST",
        "loanPurpose": "INVESTMENT",
        "tiers": [
          {
            "name": "2 year fixed LVR 80.01% to 85%",
            "unitOfMeasure": "PERCENT",
            "minimumValue": "0.8001",
            "maximumValue": "0.85",
            "rateApplicationMethod": "WHOLE_BALANCE"
          }
        ],
        "additionalValue": "P2Y",
        "additionalInfo": "Investment with principal and interest repayments. Comparison rate is based on loan to value ratio (LVR) of 85% for variable revert rate after fixed rate period ends.",
        "additionalInfoUri": "https://www.ubank.com.au/home-loans/interest-rates-and-fees"
      },
      {
        "lendingRateType": "FIXED",
        "rate": "0.0724",
        "comparisonRate": "0.0778",
        "calculationFrequency": "P1D",
        "applicationType": "PERIODIC",
        "applicationFrequency": "P1M",
        "interestPaymentDue": "IN_ARREARS",
        "repaymentType": "PRINCIPAL_AND_INTEREST",
        "loanPurpose": "INVESTMENT",
        "tiers": [
          {
            "name": "2 year fixed LVR 85.01% to 90%",
            "unitOfMeasure": "PERCENT",
            "minimumValue": "0.8501",
            "maximumValue": "0.9",
            "rateApplicationMethod": "WHOLE_BALANCE"
          }
        ],
        "additionalValue": "P2Y",
        "additionalInfo": "Investment with principal and interest repayments. Comparison rate is based on loan to value ratio (LVR) of 90% for variable revert rate after fixed rate period ends.",
        "additionalInfoUri": "https://www.ubank.com.au/home-loans/interest-rates-and-fees"
      },
      {
        "lendingRateType": "FIXED",
        "rate": "0.0689",
        "comparisonRate": "0.0698",
        "calculationFrequency": "P1D",
        "applicationType": "PERIODIC",
        "applicationFrequency": "P1M",
        "interestPaymentDue": "IN_ARREARS",
        "repaymentType": "PRINCIPAL_AND_INTEREST",
        "loanPurpose": "INVESTMENT",
        "tiers": [
          {
            "name": "3 year fixed",
            "unitOfMeasure": "PERCENT",
            "minimumValue": "0.0",
            "maximumValue": "0.8",
            "rateApplicationMethod": "WHOLE_BALANCE"
          }
        ],
        "additionalValue": "P3Y",
        "additionalInfo": "Investment with principal and interest repayments. Comparison rate is based on loan to value ratio (LVR) of equal to or less than 60%  for variable rate after fixed rate period ends.",
        "additionalInfoUri": "https://www.ubank.com.au/home-loans/interest-rates-and-fees"
      },
      {
        "lendingRateType": "FIXED",
        "rate": "0.0729",
        "comparisonRate": "0.0769",
        "calculationFrequency": "P1D",
        "applicationType": "PERIODIC",
        "applicationFrequency": "P1M",
        "interestPaymentDue": "IN_ARREARS",
        "repaymentType": "PRINCIPAL_AND_INTEREST",
        "loanPurpose": "INVESTMENT",
        "tiers": [
          {
            "name": "3 year fixed LVR 80.01% to 85%",
            "unitOfMeasure": "PERCENT",
            "minimumValue": "0.8001",
            "maximumValue": "0.85",
            "rateApplicationMethod": "WHOLE_BALANCE"
          }
        ],
        "additionalValue": "P3Y",
        "additionalInfo": "Investment with principal and interest repayments. Comparison rate is based on loan to value ratio (LVR) of 85% for variable revert rate after fixed rate period ends.",
        "additionalInfoUri": "https://www.ubank.com.au/home-loans/interest-rates-and-fees"
      },
      {
        "lendingRateType": "FIXED",
        "rate": "0.0739",
        "comparisonRate": "0.0779",
        "calculationFrequency": "P1D",
        "applicationType": "PERIODIC",
        "applicationFrequency": "P1M",
        "interestPaymentDue": "IN_ARREARS",
        "repaymentType": "PRINCIPAL_AND_INTEREST",
        "loanPurpose": "INVESTMENT",
        "tiers": [
          {
            "name": "3 year fixed LVR 85.01% to 90%",
            "unitOfMeasure": "PERCENT",
            "minimumValue": "0.8501",
            "maximumValue": "0.9",
            "rateApplicationMethod": "WHOLE_BALANCE"
          }
        ],
        "additionalValue": "P3Y",
        "additionalInfo": "Investment with principal and interest repayments. Comparison rate is based on loan to value ratio (LVR) of 90% for variable revert rate after fixed rate period ends.",
        "additionalInfoUri": "https://www.ubank.com.au/home-loans/interest-rates-and-fees"
      },
      {
        "lendingRateType": "FIXED",
        "rate": "0.0704",
        "comparisonRate": "0.0708",
        "calculationFrequency": "P1D",
        "applicationType": "PERIODIC",
        "applicationFrequency": "P1M",
        "interestPaymentDue": "IN_ARREARS",
        "repaymentType": "PRINCIPAL_AND_INTEREST",
        "loanPurpose": "INVESTMENT",
        "tiers": [
          {
            "name": "5 year fixed",
            "unitOfMeasure": "PERCENT",
            "minimumValue": "0.0",
            "maximumValue": "0.8",
            "rateApplicationMethod": "WHOLE_BALANCE"
          }
        ],
        "additionalValue": "P5Y",
        "additionalInfo": "Investment with principal and interest repayments. Comparison rate is based on loan to value ratio (LVR) of equal to or less than 60%  for variable rate after fixed rate period ends.",
        "additionalInfoUri": "https://www.ubank.com.au/home-loans/interest-rates-and-fees"
      },
      {
        "lendingRateType": "FIXED",
        "rate": "0.0744",
        "comparisonRate": "0.0772",
        "calculationFrequency": "P1D",
        "applicationType": "PERIODIC",
        "applicationFrequency": "P1M",
        "interestPaymentDue": "IN_ARREARS",
        "repaymentType": "PRINCIPAL_AND_INTEREST",
        "loanPurpose": "INVESTMENT",
        "tiers": [
          {
            "name": "5 year fixed LVR 80.01% to 85%",
            "unitOfMeasure": "PERCENT",
            "minimumValue": "0.8001",
            "maximumValue": "0.85",
            "rateApplicationMethod": "WHOLE_BALANCE"
          }
        ],
        "additionalValue": "P5Y",
        "additionalInfo": "Investment with principal and interest repayments. Comparison rate is based on loan to value ratio (LVR) of 85% for variable revert rate after fixed rate period ends.",
        "additionalInfoUri": "https://www.ubank.com.au/home-loans/interest-rates-and-fees"
      },
      {
        "lendingRateType": "FIXED",
        "rate": "0.0754",
        "comparisonRate": "0.0782",
        "calculationFrequency": "P1D",
        "applicationType": "PERIODIC",
        "applicationFrequency": "P1M",
        "interestPaymentDue": "IN_ARREARS",
        "repaymentType": "PRINCIPAL_AND_INTEREST",
        "loanPurpose": "INVESTMENT",
        "tiers": [
          {
            "name": "5 year fixed LVR 85.01% to 90%",
            "unitOfMeasure": "PERCENT",
            "minimumValue": "0.8501",
            "maximumValue": "0.9",
            "rateApplicationMethod": "WHOLE_BALANCE"
          }
        ],
        "additionalValue": "P5Y",
        "additionalInfo": "Investment with principal and interest repayments. Comparison rate is based on loan to value ratio (LVR) of 90% for variable revert rate after fixed rate period ends.",
        "additionalInfoUri": "https://www.ubank.com.au/home-loans/interest-rates-and-fees"
      }
    ]
  }
}