{
  "snapshot_at": "2026-11-13T01:23:35Z",
  "brand": "Up",
  "brand_slug": "up",
  "product_id": "up-home",
  "cdr_url": "https://api.up.com.au/cds-au/v1/banking/products/up-home",
  "x_v": 7,
  "how_to_fetch": "curl -H 'x-v: 7' 'https://api.up.com.au/cds-au/v1/banking/products/up-home'",
  "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": "up-home",
    "effectiveFrom": "2022-03-16T00:00:00+11:00",
    "effectiveTo": "9999-12-30T01:00:00+11:00",
    "lastUpdated": "2026-11-12T00:00:13+11:00",
    "productCategory": "RESIDENTIAL_MORTGAGES",
    "name": "Up Home Loan",
    "description": "Up Home is a simple loan that works seamlessly with your Up banking. Starting from 10% LVR, it’s first time owner friendly too. Use the Up features you love to own your own home faster.",
    "brand": "Up",
    "brandName": "Up",
    "brandGroup": "Up",
    "isTailored": false,
    "additionalInformation": {
      "overviewUri": "https://up.com.au/home-loans",
      "termsUri": "https://up.com.au/product-terms/",
      "eligibilityUri": "https://up.com.au/product-terms/#keyfeaturestable",
      "feesAndPricingUri": "https://up.com.au/pricing/"
    },
    "features": [
      {
        "featureType": "DIGITAL_BANKING",
        "additionalInfo": "Apply for and manage your Up Home loan online through Up’s mobile banking application."
      },
      {
        "featureType": "EXTRA_REPAYMENTS",
        "additionalInfo": "For fixed rate loans, extra repayments are allowed up to $30,000 in total during the fixed rate period. Extra repayments above this limit may incur a prepayment fee. For variable rate loans, extra repayments are unlimited."
      },
      {
        "featureType": "OFFSET",
        "additionalInfo": "Use your Up spending account and Savers as offsets."
      },
      {
        "featureType": "REDRAW",
        "additionalInfo": "Redraws are limited to the total amount prepaid, less one repayment. Other conditions may apply as per Loan Schedule and Home Loan Booklet."
      }
    ],
    "constraints": [
      {
        "constraintType": "MAX_LVR",
        "additionalValue": "0.90",
        "additionalInfo": "A maximum 90% Loan to Value Ratio applies. A minimum 10% deposit is required."
      },
      {
        "constraintType": "MAX_LIMIT",
        "additionalValue": "7500000.00",
        "additionalInfo": "A maximum borrowable amount for the loan."
      },
      {
        "constraintType": "MIN_LIMIT",
        "additionalValue": "50000.00",
        "additionalInfo": "A minimum borrowable amount for the loan."
      }
    ],
    "eligibility": [
      {
        "eligibilityType": "MIN_AGE",
        "additionalValue": "18"
      },
      {
        "eligibilityType": "RESIDENCY_STATUS",
        "additionalValue": "Australian resident"
      },
      {
        "eligibilityType": "OTHER",
        "additionalInfo": "Credit and lending criteria apply"
      }
    ],
    "fees": [
      {
        "name": "Bank Cheque Fee",
        "feeType": "EVENT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "12.75"
        },
        "currency": "AUD"
      }
    ],
    "lendingRates": [
      {
        "lendingRateType": "VARIABLE",
        "rate": "0.0645",
        "comparisonRate": "0.0645",
        "calculationFrequency": "P1D",
        "applicationType": "PERIODIC",
        "applicationFrequency": "P1M",
        "interestPaymentDue": "IN_ARREARS",
        "repaymentType": "PRINCIPAL_AND_INTEREST",
        "loanPurpose": "OWNER_OCCUPIED",
        "additionalInfo": "Variable rate",
        "additionalInfoUri": "https://up.com.au/pricing/"
      },
      {
        "lendingRateType": "FIXED",
        "rate": "0.0645",
        "comparisonRate": "0.0645",
        "calculationFrequency": "P1D",
        "applicationType": "PERIODIC",
        "applicationFrequency": "P1M",
        "interestPaymentDue": "IN_ARREARS",
        "repaymentType": "PRINCIPAL_AND_INTEREST",
        "loanPurpose": "OWNER_OCCUPIED",
        "additionalValue": "P1Y",
        "additionalInfo": "Fixed for 1 year",
        "additionalInfoUri": "https://up.com.au/pricing/"
      },
      {
        "lendingRateType": "FIXED",
        "rate": "0.0645",
        "comparisonRate": "0.0645",
        "calculationFrequency": "P1D",
        "applicationType": "PERIODIC",
        "applicationFrequency": "P1M",
        "interestPaymentDue": "IN_ARREARS",
        "repaymentType": "PRINCIPAL_AND_INTEREST",
        "loanPurpose": "OWNER_OCCUPIED",
        "additionalValue": "P2Y",
        "additionalInfo": "Fixed for 2 years",
        "additionalInfoUri": "https://up.com.au/pricing/"
      },
      {
        "lendingRateType": "FIXED",
        "rate": "0.0655",
        "comparisonRate": "0.0648",
        "calculationFrequency": "P1D",
        "applicationType": "PERIODIC",
        "applicationFrequency": "P1M",
        "interestPaymentDue": "IN_ARREARS",
        "repaymentType": "PRINCIPAL_AND_INTEREST",
        "loanPurpose": "OWNER_OCCUPIED",
        "additionalValue": "P3Y",
        "additionalInfo": "Fixed for 3 years",
        "additionalInfoUri": "https://up.com.au/pricing/"
      },
      {
        "lendingRateType": "FIXED",
        "rate": "0.0665",
        "comparisonRate": "0.0652",
        "calculationFrequency": "P1D",
        "applicationType": "PERIODIC",
        "applicationFrequency": "P1M",
        "interestPaymentDue": "IN_ARREARS",
        "repaymentType": "PRINCIPAL_AND_INTEREST",
        "loanPurpose": "OWNER_OCCUPIED",
        "additionalValue": "P4Y",
        "additionalInfo": "Fixed for 4 years",
        "additionalInfoUri": "https://up.com.au/pricing/"
      },
      {
        "lendingRateType": "FIXED",
        "rate": "0.0665",
        "comparisonRate": "0.0653",
        "calculationFrequency": "P1D",
        "applicationType": "PERIODIC",
        "applicationFrequency": "P1M",
        "interestPaymentDue": "IN_ARREARS",
        "repaymentType": "PRINCIPAL_AND_INTEREST",
        "loanPurpose": "OWNER_OCCUPIED",
        "additionalValue": "P5Y",
        "additionalInfo": "Fixed for 5 years",
        "additionalInfoUri": "https://up.com.au/pricing/"
      },
      {
        "lendingRateType": "VARIABLE",
        "rate": "0.066",
        "comparisonRate": "0.066",
        "calculationFrequency": "P1D",
        "applicationType": "PERIODIC",
        "applicationFrequency": "P1M",
        "interestPaymentDue": "IN_ARREARS",
        "repaymentType": "PRINCIPAL_AND_INTEREST",
        "loanPurpose": "INVESTMENT",
        "additionalInfo": "Variable rate",
        "additionalInfoUri": "https://up.com.au/pricing/"
      },
      {
        "lendingRateType": "FIXED",
        "rate": "0.066",
        "comparisonRate": "0.066",
        "calculationFrequency": "P1D",
        "applicationType": "PERIODIC",
        "applicationFrequency": "P1M",
        "interestPaymentDue": "IN_ARREARS",
        "repaymentType": "PRINCIPAL_AND_INTEREST",
        "loanPurpose": "INVESTMENT",
        "additionalValue": "P1Y",
        "additionalInfo": "Fixed for 1 year",
        "additionalInfoUri": "https://up.com.au/pricing/"
      },
      {
        "lendingRateType": "FIXED",
        "rate": "0.066",
        "comparisonRate": "0.066",
        "calculationFrequency": "P1D",
        "applicationType": "PERIODIC",
        "applicationFrequency": "P1M",
        "interestPaymentDue": "IN_ARREARS",
        "repaymentType": "PRINCIPAL_AND_INTEREST",
        "loanPurpose": "INVESTMENT",
        "additionalValue": "P2Y",
        "additionalInfo": "Fixed for 2 years",
        "additionalInfoUri": "https://up.com.au/pricing/"
      },
      {
        "lendingRateType": "FIXED",
        "rate": "0.067",
        "comparisonRate": "0.0663",
        "calculationFrequency": "P1D",
        "applicationType": "PERIODIC",
        "applicationFrequency": "P1M",
        "interestPaymentDue": "IN_ARREARS",
        "repaymentType": "PRINCIPAL_AND_INTEREST",
        "loanPurpose": "INVESTMENT",
        "additionalValue": "P3Y",
        "additionalInfo": "Fixed for 3 years",
        "additionalInfoUri": "https://up.com.au/pricing/"
      },
      {
        "lendingRateType": "FIXED",
        "rate": "0.068",
        "comparisonRate": "0.0667",
        "calculationFrequency": "P1D",
        "applicationType": "PERIODIC",
        "applicationFrequency": "P1M",
        "interestPaymentDue": "IN_ARREARS",
        "repaymentType": "PRINCIPAL_AND_INTEREST",
        "loanPurpose": "INVESTMENT",
        "additionalValue": "P4Y",
        "additionalInfo": "Fixed for 4 years",
        "additionalInfoUri": "https://up.com.au/pricing/"
      },
      {
        "lendingRateType": "FIXED",
        "rate": "0.068",
        "comparisonRate": "0.0669",
        "calculationFrequency": "P1D",
        "applicationType": "PERIODIC",
        "applicationFrequency": "P1M",
        "interestPaymentDue": "IN_ARREARS",
        "repaymentType": "PRINCIPAL_AND_INTEREST",
        "loanPurpose": "INVESTMENT",
        "additionalValue": "P5Y",
        "additionalInfo": "Fixed for 5 years",
        "additionalInfoUri": "https://up.com.au/pricing/"
      }
    ]
  }
}