{
  "snapshot_at": "2026-10-15T13:45:37Z",
  "brand": "Unity Bank",
  "brand_slug": "unity-bank",
  "product_id": "L23_60LVR_OCC_PRIN",
  "cdr_url": "https://ibank.unity.bank/OpenBanking/cds-au/v1/banking/products/L23_60LVR_OCC_PRIN",
  "x_v": 7,
  "how_to_fetch": "curl -H 'x-v: 7' 'https://ibank.unity.bank/OpenBanking/cds-au/v1/banking/products/L23_60LVR_OCC_PRIN'",
  "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": "A Momentum Offset Account can be linked to a Momentum Home Loan. The money you put in your linked Mortgage Offset Account reduces the balance on which the interest is charged on your home loan."
      },
      {
        "featureType": "REDRAW",
        "additionalInfo": "Your loan comes with a repayment redraw facility. This gives you access to additional repayments if you   re at least one full repayment ahead, you can redraw $100 or more. It   s simple to redraw using our App or Online Banking."
      },
      {
        "featureType": "NPP_PAYID",
        "additionalInfo": "Get faster payments between participating banks, anytime with Pay ID"
      },
      {
        "featureType": "NPP_ENABLED"
      },
      {
        "featureType": "OTHER",
        "additionalInfo": "30 years"
      },
      {
        "featureType": "OTHER",
        "additionalInfo": "You can increase your loan amount throughout the life of the loan, subject to equity held in your property and our approval."
      },
      {
        "featureType": "OTHER",
        "additionalInfo": "Switching is a change to one or more aspects of your loan's terms and conditions, for example switching from a variable rate to a fixed rate or switching from Interest Only to Principal and Interest repayments."
      },
      {
        "featureType": "OTHER",
        "additionalInfo": "Splitting is when you divide one loan into two or more loan accounts, generally with different loan types, repayment types or interest rates."
      },
      {
        "featureType": "OTHER",
        "additionalInfo": "Flexible repayment options weekly, fortnightly or monthly"
      },
      {
        "featureType": "EXTRA_REPAYMENTS",
        "additionalInfo": "You can make extra repayments or repay your loan in full at any time. Extra repayments may enable you to redraw funds, subject to conditions"
      },
      {
        "featureType": "OTHER",
        "additionalInfo": "A guarantor supports the loan by providing us with an additional security such as their home. By providing a guarantee, we may lend to the borrower in situations where they may not have been able to secure the full amount of the loan they require."
      },
      {
        "featureType": "OTHER",
        "additionalInfo": "This loan can be used for the purposes of refinancing your owner occupier property from an another lender only, with the interest rate based on LVR tiers."
      },
      {
        "featureType": "OTHER",
        "additionalInfo": "Valuation fee waived up to $1,000."
      },
      {
        "featureType": "OTHER",
        "additionalInfo": "No establishment fee is charged."
      },
      {
        "featureType": "DIGITAL_BANKING",
        "additionalInfo": "24/7 access via internet banking and mobile app."
      }
    ],
    "constraints": [
      {
        "constraintType": "OPENING_BALANCE",
        "additionalValue": "100000.00"
      },
      {
        "constraintType": "MAX_BALANCE",
        "additionalValue": "5000000.00"
      },
      {
        "constraintType": "MAX_LVR",
        "additionalValue": "0.60"
      }
    ],
    "eligibility": [
      {
        "eligibilityType": "NATURAL_PERSON"
      },
      {
        "eligibilityType": "MIN_AGE",
        "additionalValue": "18",
        "additionalInfo": "Individuals must have the legal capacity to enter into the loan contract, provide acceptable identification documentation and be 18 years or older"
      },
      {
        "eligibilityType": "EMPLOYMENT_STATUS",
        "additionalValue": "Employed"
      },
      {
        "eligibilityType": "RESIDENCY_STATUS",
        "additionalValue": "Permanent Resident",
        "additionalInfo": "You must be an Australian citizen or permanent resident to apply"
      },
      {
        "eligibilityType": "OTHER",
        "additionalInfo": "Applications for credit are subject to the Bank   s eligibility and suitability criteria and normal credit approval process."
      },
      {
        "eligibilityType": "OTHER",
        "additionalInfo": "Only available for external refinancing purposes"
      }
    ],
    "fees": [
      {
        "name": "LOAN_SWITCH_FEE",
        "feeType": "EVENT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "200.00"
        },
        "currency": "AUD",
        "additionalInfo": "A fee charged to switch your loan account from one type to another",
        "additionalInfoUri": "https://www.unity.bank/help/rates-fees/"
      },
      {
        "name": "VALUATION_FEE",
        "feeType": "UPFRONT",
        "feeMethodUType": "variable",
        "variable": {
          "feeMinimum": "0.00",
          "feeMaximum": "1000.00"
        },
        "currency": "AUD",
        "additionalInfo": "A fee charged to cover the cost of obtaining a valuation report on your property or the property being purchased",
        "additionalInfoUri": "https://www.unity.bank/help/rates-fees/"
      },
      {
        "name": "TITLE_SEARCH_FEE",
        "feeType": "UPFRONT",
        "feeMethodUType": "variable",
        "variable": {
          "feeMinimum": "8.30",
          "feeMaximum": "42.00"
        },
        "currency": "AUD",
        "additionalInfo": "A third party cost for a Title Search to determine any interests in a property",
        "additionalInfoUri": "https://www.unity.bank/help/rates-fees/"
      },
      {
        "name": "REGISTRATION_FEES",
        "feeType": "UPFRONT",
        "feeMethodUType": "variable",
        "variable": {
          "feeMinimum": "129.20",
          "feeMaximum": "248.04"
        },
        "currency": "AUD",
        "additionalInfo": "A third party cost for registration of mortgage"
      },
      {
        "name": "STAMP_DUTY_(MORTGAGE)",
        "feeType": "UPFRONT",
        "feeMethodUType": "variable",
        "variable": {
          "feeMinimum": "0.00",
          "feeMaximum": "0.00"
        },
        "currency": "AUD",
        "additionalInfo": "The tax charged on written documents and certain transactions imposed by the state government, such as mortgages and property transfers",
        "additionalInfoUri": "https://www.unity.bank/help/rates-fees/"
      },
      {
        "name": "PEXA_SERVICE_FEE",
        "feeType": "UPFRONT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "0.00"
        },
        "currency": "AUD",
        "additionalInfo": "A fee charged to cover third party costs associated with the establishment of your mortgage",
        "additionalInfoUri": "https://www.unity.bank/help/rates-fees/"
      },
      {
        "name": "MORTGAGE_ADMINISTRATION_FEE",
        "feeType": "EVENT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "150.00"
        },
        "currency": "AUD",
        "additionalInfo": "A fee charged if we are asked by you or your legal representative to make any of our loan documents available to you during the life of the loan",
        "additionalInfoUri": "https://www.unity.bank/help/rates-fees/"
      },
      {
        "name": "CONSENT_FEE",
        "feeType": "EVENT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "300.00"
        },
        "currency": "AUD",
        "additionalInfo": "A fee charged for consent to subdivide, substitute, lease, cross-collateralise or any other matter where we need to reassess the loan in any way",
        "additionalInfoUri": "https://www.unity.bank/help/rates-fees/"
      },
      {
        "name": "MORTGAGE_DISCHARGE_FEE",
        "feeType": "EXIT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "300.00"
        },
        "currency": "AUD",
        "additionalInfo": "A fee charged if you repay your loan and request us to discharge your mortgage, includes our costs and is in addition to any costs incurred by us from external parties",
        "additionalInfoUri": "https://www.unity.bank/help/rates-fees/"
      },
      {
        "name": "MORTGAGE_DISCHARGE_-_REGISTRATION_FEE",
        "feeType": "EXIT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "0.00"
        },
        "currency": "AUD",
        "additionalInfo": "A fee charged to cover third party costs associated with the discharge of your mortgage",
        "additionalInfoUri": "https://www.unity.bank/help/rates-fees/"
      },
      {
        "name": "MORTGAGE_DISCHARGE_-_PEXA_SERVICE_FEE",
        "feeType": "EXIT",
        "feeMethodUType": "variable",
        "variable": {
          "feeMinimum": "26.29",
          "feeMaximum": "70.29"
        },
        "currency": "AUD",
        "additionalInfo": "A fee charged to cover third party costs associated with the discharge of your mortgage",
        "additionalInfoUri": "https://www.unity.bank/help/rates-fees/"
      },
      {
        "name": "LATE_PAYMENT_FEE",
        "feeType": "EVENT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "15.00"
        },
        "currency": "AUD",
        "additionalInfo": "A fee charged when you don't make your minimum monthly payment, plus any overdue amount",
        "additionalInfoUri": "https://www.unity.bank/help/rates-fees/"
      },
      {
        "name": "DEFAULT_NOTICE_FEE",
        "feeType": "EVENT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "50.00"
        },
        "currency": "AUD",
        "additionalInfo": "A fee charged if you default on your repayments and we issue a default notice",
        "additionalInfoUri": "https://www.unity.bank/help/rates-fees/"
      },
      {
        "name": "SECURITY_GUARANTOR_FEE",
        "feeType": "UPFRONT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "200.00"
        },
        "currency": "AUD",
        "additionalInfo": "Payable if a guarantor is listed on the loan schedule.",
        "additionalInfoUri": "https://www.unity.bank/help/rates-fees/"
      },
      {
        "name": "LOAN_ESTABLISHMENT_FEE_-_MORTGAGE_LOAN_(TOP_UP)",
        "feeType": "UPFRONT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "200.00"
        },
        "currency": "AUD",
        "additionalInfo": "A fee charged to vary the value of an existing home loan",
        "additionalInfoUri": "https://www.unity.bank/help/rates-fees/"
      },
      {
        "name": "LOAN_ESTABLISHMENT_FEE_-_SECOND_MORTGAGE_LOAN_(TOP_UP)",
        "feeType": "UPFRONT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "200.00"
        },
        "currency": "AUD",
        "additionalInfo": "A fee charged for consent to a subsequent mortgage to vary the value of an existing home loan",
        "additionalInfoUri": "https://www.unity.bank/help/rates-fees/"
      },
      {
        "name": "RE-DOCUMENTATION_FEE",
        "feeType": "EVENT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "250.00"
        },
        "currency": "AUD",
        "additionalInfo": "A fee charged if you request to make a change such as include a Fixed Rate Lock fee after your Loan Offer & Contract documentation has been provided, but prior to loan settlement.",
        "additionalInfoUri": "https://www.unity.bank/help/rates-fees/"
      }
    ],
    "lendingRates": [
      {
        "lendingRateType": "VARIABLE",
        "rate": "0.0624",
        "comparisonRate": "0.0629",
        "calculationFrequency": "P1D",
        "applicationType": "PERIODIC",
        "applicationFrequency": "P1M",
        "interestPaymentDue": "IN_ARREARS",
        "repaymentType": "PRINCIPAL_AND_INTEREST",
        "loanPurpose": "OWNER_OCCUPIED",
        "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.unity.bank/help/rates-fees/"
      }
    ],
    "productCategory": "RESIDENTIAL_MORTGAGES",
    "productId": "L23_60LVR_OCC_PRIN",
    "lastUpdated": "2026-10-06T15:32:45.000+11:00",
    "name": "Momentum Home Loan 60LVR - Owner Occupier - Variable - P&I SO",
    "description": "If you purchased your home a few years ago, your lifestyle, family or financial situation may have changed. Make your move and refinance with our Momentum Home Loan.",
    "brand": "UBL",
    "brandName": "UNITY BANK",
    "applicationUri": "https://www.unity.bank/help/apply-online/apply-online/",
    "isTailored": false,
    "additionalInformation": {
      "overviewUri": "https://www.unity.bank/home-loans/buy-or-refinance/momentum-home-loan/",
      "termsUri": "https://www.unity.bank/reusable-documents/disclosure-documents/account-and-access-facility-conditions-of-use/",
      "eligibilityUri": "https://www.unity.bank/home-loans/buy-or-refinance/momentum-home-loan/",
      "feesAndPricingUri": "https://www.unity.bank/help/rates-fees/"
    }
  }
}