{
  "snapshot_at": "2026-10-29T23:36:14Z",
  "brand": "Unloan",
  "brand_slug": "unloan",
  "product_id": "8250def8-24f4-411c-80a5-e71f54cf5823",
  "cdr_url": "https://public.api.cdr.unloan.com.au/cds-au/v1/banking/products/8250def8-24f4-411c-80a5-e71f54cf5823",
  "x_v": 7,
  "how_to_fetch": "curl -H 'x-v: 7' 'https://public.api.cdr.unloan.com.au/cds-au/v1/banking/products/8250def8-24f4-411c-80a5-e71f54cf5823'",
  "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": "Unloan",
    "description": "Unloan's home loan offer",
    "isTailored": false,
    "lastUpdated": "2026-10-15T20:40:21.758226Z",
    "name": "Unloan Home Loan",
    "productCategory": "RESIDENTIAL_MORTGAGES",
    "productId": "8250def8-24f4-411c-80a5-e71f54cf5823",
    "additionalInformation": {
      "overviewUri": "https://www.unloan.com.au/",
      "termsUri": null,
      "eligibilityUri": null,
      "feesAndPricingUri": null,
      "bundleUri": null,
      "additionalOverviewUris": null,
      "additionalTermsUris": null,
      "additionalEligibilityUris": null,
      "additionalFeesAndPricingUris": null,
      "additionalBundleUris": null
    },
    "applicationUri": "https://app.unloan.com.au/",
    "brandName": "Unloan Prod",
    "brandGroup": null,
    "cardArt": [],
    "effectiveFrom": "2022-05-16T14:00:00Z",
    "effectiveTo": null,
    "bundles": [],
    "constraints": [
      {
        "constraintType": "OPENING_BALANCE",
        "additionalInfo": "For an Unloan Variable Home Loan, there is a minimum loan amount of $10,000 for new loans.",
        "additionalInfoUri": "https://www.unloan.com.au",
        "additionalValue": "10000.00"
      },
      {
        "constraintType": "MAX_LIMIT",
        "additionalInfo": "The maximum loan amount is generally $10,000,000 for loans with a Loan to Valuation Ratio (LVR) less than 80%.  Where the circumstances of the loan create an increased risk and Lender's Mortgage Insurance is applied, such as for certain property types, properties in certain postcodes, or where the loan's LVR is more than 80.1%, the maximum loan amount is $3,000,000.",
        "additionalInfoUri": "https://www.unloan.com.au",
        "additionalValue": "10000000.00"
      }
    ],
    "depositRates": [],
    "eligibility": [
      {
        "eligibilityType": "OTHER",
        "additionalInfo": "Applications for home loans are subject to the Unloan’s standard credit approval process",
        "additionalInfoUri": null,
        "additionalValue": null
      },
      {
        "eligibilityType": "MIN_AGE",
        "additionalInfo": "Individuals (natural persons, including as Trustee of a Family Trust) must have the legal capacity to enter into the loan contract, provide acceptable identification documentation and be 18 years or older",
        "additionalInfoUri": null,
        "additionalValue": "18"
      },
      {
        "eligibilityType": "NATURAL_PERSON",
        "additionalInfo": "Individuals",
        "additionalInfoUri": null,
        "additionalValue": null
      },
      {
        "eligibilityType": "OTHER",
        "additionalInfo": "Unacceptable Loan Purposes: This loan cannot be used for business purposes.  Cash out and debt consolidation are not acceptable for purchase applications.",
        "additionalInfoUri": null,
        "additionalValue": null
      },
      {
        "eligibilityType": "OTHER",
        "additionalInfo": "Acceptable Loan Purposes: This loan can be used for the purposes of refinancing your existing owner occupied and investment home loan, purchasing a home, debt consolidation and other personal needs, subject to meeting eligibility criteria and Unloan Terms and Conditions.",
        "additionalInfoUri": null,
        "additionalValue": null
      },
      {
        "eligibilityType": "OTHER",
        "additionalInfo": "The following are examples of ineligible security types: A registered second mortgage over residential property; Properties on Norfolk Island; Properties that are under construction; Properties that are ‘Off the Plan’; Transportable, relocatable or mobile homes; Commercial property; 5 or more dwellings within one development per application; Cash deposit.",
        "additionalInfoUri": null,
        "additionalValue": null
      }
    ],
    "features": [
      {
        "featureType": "DIGITAL_BANKING",
        "additionalInfo": "Securely view, manage, and change your loan right from your fingertips.",
        "additionalInfoUri": null,
        "additionalValue": null
      },
      {
        "featureType": "REDRAW",
        "additionalInfo": "Access any additional repayments that you’ve made ahead of your loan schedule at any time. No fees apply.",
        "additionalInfoUri": "https://www.unloan.com.au",
        "additionalValue": null
      },
      {
        "featureType": "EXTRA_REPAYMENTS",
        "additionalInfo": "Make additional payments into the loan at any time to save even more on interest. No fees apply.",
        "additionalInfoUri": "https://www.unloan.com.au",
        "additionalValue": null
      },
      {
        "featureType": "LOYALTY_PROGRAM",
        "additionalInfo": "Every year, receive an additional 0.01% p.a. discount on your loan. Up to 0.30% p.a.",
        "additionalInfoUri": "https://www.unloan.com.au/home-loan",
        "additionalValue": "Loyalty Discount"
      },
      {
        "featureType": "NPP_ENABLED",
        "additionalInfo": "Make real-time payments to and from your loan account with a BSB and account number using the NPP (New Payments Platform).",
        "additionalInfoUri": "https://nppa.com.au/",
        "additionalValue": null
      }
    ],
    "fees": [],
    "lendingRates": [
      {
        "lendingRateType": "VARIABLE",
        "rate": "0.0644",
        "additionalInfo": "Visit our website",
        "additionalInfoUri": "https://www.unloan.com.au",
        "additionalValue": null,
        "applicationFrequency": "P1M",
        "calculationFrequency": "P1D",
        "comparisonRate": "0.0635",
        "interestPaymentDue": "IN_ARREARS",
        "loanPurpose": "OWNER_OCCUPIED",
        "repaymentType": "PRINCIPAL_AND_INTEREST",
        "tiers": [
          {
            "name": "LVR",
            "unitOfMeasure": "PERCENT",
            "minimumValue": "0.8001",
            "maximumValue": "0.90",
            "rateApplicationMethod": "WHOLE_BALANCE",
            "applicabilityConditions": [
              {
                "additionalInfo": "For home loans with existing lending at 'Loan to Valuation Ratio' of 80.01%-90%",
                "additionalInfoUri": null,
                "rateApplicabilityType": "EXISTING_CUST",
                "additionalValue": null
              }
            ]
          }
        ],
        "applicabilityConditions": [
          {
            "additionalInfo": null,
            "additionalInfoUri": "https://www.unloan.com.au",
            "rateApplicabilityType": "EXISTING_CUST",
            "additionalValue": null
          }
        ],
        "applicationType": "PERIODIC"
      },
      {
        "lendingRateType": "VARIABLE",
        "rate": "0.0614",
        "additionalInfo": "Visit our website",
        "additionalInfoUri": "https://www.unloan.com.au",
        "additionalValue": null,
        "applicationFrequency": "P1M",
        "calculationFrequency": "P1D",
        "comparisonRate": "0.0605",
        "interestPaymentDue": "IN_ARREARS",
        "loanPurpose": "OWNER_OCCUPIED",
        "repaymentType": "PRINCIPAL_AND_INTEREST",
        "tiers": [
          {
            "name": "LVR",
            "unitOfMeasure": "PERCENT",
            "minimumValue": "0.00",
            "maximumValue": "0.80",
            "rateApplicationMethod": "WHOLE_BALANCE",
            "applicabilityConditions": [
              {
                "additionalInfo": "For home loans at 'Loan to Valuation Ratio' of <=80%",
                "additionalInfoUri": null,
                "rateApplicabilityType": "NEW_CUSTOMER",
                "additionalValue": null
              }
            ]
          }
        ],
        "applicabilityConditions": [
          {
            "additionalInfo": null,
            "additionalInfoUri": "http://unloan.com",
            "rateApplicabilityType": "NEW_CUSTOMER",
            "additionalValue": null
          }
        ],
        "applicationType": "PERIODIC"
      },
      {
        "lendingRateType": "VARIABLE",
        "rate": "0.0629",
        "additionalInfo": "Visit our website",
        "additionalInfoUri": "https://www.unloan.com.au",
        "additionalValue": null,
        "applicationFrequency": "P1M",
        "calculationFrequency": "P1D",
        "comparisonRate": "0.062",
        "interestPaymentDue": "IN_ARREARS",
        "loanPurpose": "INVESTMENT",
        "repaymentType": "PRINCIPAL_AND_INTEREST",
        "tiers": [
          {
            "name": "LVR",
            "unitOfMeasure": "PERCENT",
            "minimumValue": "0.00",
            "maximumValue": "0.80",
            "rateApplicationMethod": "WHOLE_BALANCE",
            "applicabilityConditions": [
              {
                "additionalInfo": "For home loans at 'Loan to Valuation Ratio' of <=80%",
                "additionalInfoUri": null,
                "rateApplicabilityType": "NEW_CUSTOMER",
                "additionalValue": null
              }
            ]
          }
        ],
        "applicabilityConditions": [
          {
            "additionalInfo": null,
            "additionalInfoUri": "http://unloan.com",
            "rateApplicabilityType": "NEW_CUSTOMER",
            "additionalValue": null
          }
        ],
        "applicationType": "PERIODIC"
      },
      {
        "lendingRateType": "VARIABLE",
        "rate": "0.0664",
        "additionalInfo": "For home loans with new lending at 'Loan to Valuation Ratio' of 80.01% to 90%",
        "additionalInfoUri": null,
        "additionalValue": null,
        "applicationFrequency": "P1M",
        "calculationFrequency": "P1D",
        "comparisonRate": "0.0655",
        "interestPaymentDue": "IN_ARREARS",
        "loanPurpose": "OWNER_OCCUPIED",
        "repaymentType": "PRINCIPAL_AND_INTEREST",
        "tiers": [
          {
            "name": "LVR",
            "unitOfMeasure": "PERCENT",
            "minimumValue": "0.8001",
            "maximumValue": "0.90",
            "rateApplicationMethod": "WHOLE_BALANCE",
            "applicabilityConditions": [
              {
                "additionalInfo": "For home loans with new lending at 'Loan to Valuation Ratio' of 80.01%-90%",
                "additionalInfoUri": null,
                "rateApplicabilityType": "NEW_CUSTOMER",
                "additionalValue": null
              }
            ]
          }
        ],
        "applicabilityConditions": [
          {
            "additionalInfo": "New Customers",
            "additionalInfoUri": null,
            "rateApplicabilityType": "NEW_CUSTOMER",
            "additionalValue": null
          }
        ],
        "applicationType": "PERIODIC"
      },
      {
        "lendingRateType": "VARIABLE",
        "rate": "0.0659",
        "additionalInfo": "Visit our website",
        "additionalInfoUri": "https://www.unloan.com.au",
        "additionalValue": null,
        "applicationFrequency": "P1M",
        "calculationFrequency": "P1D",
        "comparisonRate": "0.065",
        "interestPaymentDue": "IN_ARREARS",
        "loanPurpose": "INVESTMENT",
        "repaymentType": "PRINCIPAL_AND_INTEREST",
        "tiers": [
          {
            "name": "LVR",
            "unitOfMeasure": "PERCENT",
            "minimumValue": "0.8001",
            "maximumValue": "0.90",
            "rateApplicationMethod": "WHOLE_BALANCE",
            "applicabilityConditions": [
              {
                "additionalInfo": "For home loans with existing lending at 'Loan to Valuation Ratio' of 80.01%-90%",
                "additionalInfoUri": null,
                "rateApplicabilityType": "EXISTING_CUST",
                "additionalValue": null
              }
            ]
          }
        ],
        "applicabilityConditions": [
          {
            "additionalInfo": "Existing Customers",
            "additionalInfoUri": "http://unloan.com",
            "rateApplicabilityType": "EXISTING_CUST",
            "additionalValue": null
          }
        ],
        "applicationType": "PERIODIC"
      },
      {
        "lendingRateType": "VARIABLE",
        "rate": "0.0679",
        "additionalInfo": "For home loans with new lending at 'Loan to Valuation Ratio' of 80.01%-90%",
        "additionalInfoUri": null,
        "additionalValue": null,
        "applicationFrequency": "P1M",
        "calculationFrequency": "P1D",
        "comparisonRate": "0.067",
        "interestPaymentDue": "IN_ARREARS",
        "loanPurpose": "INVESTMENT",
        "repaymentType": "PRINCIPAL_AND_INTEREST",
        "tiers": [
          {
            "name": "LVR",
            "unitOfMeasure": "PERCENT",
            "minimumValue": "0.8001",
            "maximumValue": "0.90",
            "rateApplicationMethod": "WHOLE_BALANCE",
            "applicabilityConditions": [
              {
                "additionalInfo": "For home loans with new lending at 'Loan to Valuation Ratio' of 80.01%-90%",
                "additionalInfoUri": null,
                "rateApplicabilityType": "NEW_CUSTOMER",
                "additionalValue": null
              }
            ]
          }
        ],
        "applicabilityConditions": [
          {
            "additionalInfo": "New Customers",
            "additionalInfoUri": "https://www.unloan.com.au",
            "rateApplicabilityType": "NEW_CUSTOMER",
            "additionalValue": null
          }
        ],
        "applicationType": "PERIODIC"
      }
    ],
    "instalments": null
  }
}