{
  "source": "https://api.afg.app.bendigobank.com.au/cds-au/v1/banking/products/47ff39a2-9935-4c15-a998-5abfa6424433",
  "note": "Product Reference Data published by the data holder under the Consumer Data Right, as cached by this site (refreshed every 6 hours).",
  "data": {
    "productId": "47ff39a2-9935-4c15-a998-5abfa6424433",
    "effectiveFrom": "2025-06-15T14:31:00Z",
    "lastUpdated": "2026-07-16T18:43:02+10:00",
    "productCategory": "RESIDENTIAL_MORTGAGES",
    "name": "AFG Alpha Offset Home Loan",
    "description": "For customers who want flexibility to pay down their loan sooner and access additional features such as up to 6 offset accounts. ",
    "brand": "AFG",
    "brandName": "AFG Home Loans Alpha",
    "isTailored": false,
    "additionalInformation": {
      "overviewUri": "https://www.bendigobank.com.au/partner/afg-home-loans-alpha/features/",
      "termsUri": "https://www.bendigobank.com.au/siteassets/partner/contentpages/_documents/home-loan-terms-and-conditions.pdf"
    },
    "features": [
      {
        "featureType": "OFFSET",
        "additionalInfo": "Up to six 100% Offset Accounts per loan. Full offset if Variable or Fixed. Offsets for Bendigo AFG Home Loans must be in the same customer number as the home loan. "
      },
      {
        "featureType": "REDRAW",
        "additionalInfo": "Manual & Online redraw available"
      },
      {
        "featureType": "OTHER",
        "additionalInfo": "Monthly repayments"
      },
      {
        "featureType": "EXTRA_REPAYMENTS",
        "additionalInfo": "Unlimited additional repayments if variable, Max $20,000 p.a without penalty for fixed loans "
      },
      {
        "featureType": "OTHER",
        "additionalInfo": "Split Loans"
      }
    ],
    "constraints": [
      {
        "constraintType": "MIN_LIMIT",
        "additionalValue": "5000.00"
      },
      {
        "constraintType": "MAX_LVR",
        "additionalValue": "0.95"
      }
    ],
    "eligibility": [
      {
        "eligibilityType": "MIN_AGE",
        "additionalValue": "18"
      },
      {
        "eligibilityType": "OTHER",
        "additionalInfo": "Credit and Lending Criteria, Fees and Charges Apply"
      }
    ],
    "fees": [
      {
        "name": "Online Redraw Fee",
        "feeType": "EVENT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "0.00"
        },
        "additionalInfo": "Charged when completing a redraw online"
      },
      {
        "name": "Manual Redraw Fee ",
        "feeType": "EVENT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "0.00"
        },
        "additionalInfo": "Payable each time we agree to a redraw request you make otherwise than through Bendigo e-banking"
      },
      {
        "name": "Monthly Admin Fee",
        "feeType": "PERIODIC",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "15.00"
        },
        "additionalValue": "P1M"
      },
      {
        "name": "Break Cost Fee",
        "feeType": "OTHER",
        "feeMethodUType": "variable",
        "variable": {
          "feeMinimum": "0.00"
        },
        "additionalInfo": "Payable each time any of the following Break Events occur during a Fixed Rate Period: \n• at your request, we agree to change the Annual Percentage Rate under your Contract; \n• you repay your Loan Account balance in full; or \n• you make an additional repayment (by repaying more than your required repayments \nunder your Contract) where the total of all additional repayments you have made \nsince the start of the Fixed Rate Period or, if later, the anniversary of that date, that \nexceeds $20,000.00. "
      },
      {
        "name": "Discharge Administration Fee",
        "feeType": "EXIT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "350.00"
        },
        "additionalInfo": "Payable: \neach time we provide a partial or full discharge or release of mortgage or security interest in respect of any Mortgaged Property; and \nwhen you repay your Loan Account balance in full."
      },
      {
        "name": "Establishment Fee",
        "feeType": "UPFRONT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "299.00"
        },
        "additionalInfo": "(Currently Waived)"
      },
      {
        "name": "Security Processing Fee",
        "feeType": "UPFRONT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "199.00"
        }
      },
      {
        "name": "Variation Fee ",
        "feeType": "EVENT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "250.00"
        }
      },
      {
        "name": "Default Fee",
        "feeType": "EVENT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "35.00"
        },
        "additionalInfo": "Payable each time you are in default. If you are in default because you did not make a repayment when due, the fee will only become payable if the overdue amount is $100 or more. Once payable, the fee continues to be payable every 30 days until you remedy your default. "
      },
      {
        "name": "Duplicate Fee",
        "feeType": "EVENT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "16.50"
        },
        "additionalInfo": "Payable each time we provide you with a copy of any document we have already provided to you at your request including any statement of account."
      },
      {
        "name": "Bank Cheque Fee",
        "feeType": "TRANSACTION",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "10.00"
        }
      }
    ],
    "lendingRates": [
      {
        "lendingRateType": "VARIABLE",
        "rate": "0.0614",
        "comparisonRate": "0.0632",
        "calculationFrequency": "P1D",
        "applicationType": "PERIODIC",
        "applicationFrequency": "P1M",
        "interestPaymentDue": "IN_ARREARS",
        "repaymentType": "PRINCIPAL_AND_INTEREST",
        "loanPurpose": "OWNER_OCCUPIED",
        "tiers": [
          {
            "name": "LVR",
            "unitOfMeasure": "PERCENT",
            "minimumValue": "0",
            "maximumValue": "0.5",
            "rateApplicationMethod": "WHOLE_BALANCE",
            "additionalInfo": "Borrowing up to 50% of the property value"
          }
        ]
      },
      {
        "lendingRateType": "VARIABLE",
        "rate": "0.0614",
        "comparisonRate": "0.0632",
        "calculationFrequency": "P1D",
        "applicationType": "PERIODIC",
        "applicationFrequency": "P1M",
        "interestPaymentDue": "IN_ARREARS",
        "repaymentType": "PRINCIPAL_AND_INTEREST",
        "loanPurpose": "OWNER_OCCUPIED",
        "tiers": [
          {
            "name": "LVR",
            "unitOfMeasure": "PERCENT",
            "minimumValue": "0.5001",
            "maximumValue": "0.6",
            "rateApplicationMethod": "WHOLE_BALANCE",
            "additionalInfo": "Borrowing over 50% to 60% of the property value"
          }
        ]
      },
      {
        "lendingRateType": "VARIABLE",
        "rate": "0.0619",
        "comparisonRate": "0.0637",
        "calculationFrequency": "P1D",
        "applicationType": "PERIODIC",
        "applicationFrequency": "P1M",
        "interestPaymentDue": "IN_ARREARS",
        "repaymentType": "PRINCIPAL_AND_INTEREST",
        "loanPurpose": "OWNER_OCCUPIED",
        "tiers": [
          {
            "name": "LVR",
            "unitOfMeasure": "PERCENT",
            "minimumValue": "0.6001",
            "maximumValue": "0.7",
            "rateApplicationMethod": "WHOLE_BALANCE",
            "additionalInfo": "Borrowing over 60% to 70% of the property value"
          }
        ]
      },
      {
        "lendingRateType": "VARIABLE",
        "rate": "0.0634",
        "comparisonRate": "0.0652",
        "calculationFrequency": "P1D",
        "applicationType": "PERIODIC",
        "applicationFrequency": "P1M",
        "interestPaymentDue": "IN_ARREARS",
        "repaymentType": "PRINCIPAL_AND_INTEREST",
        "loanPurpose": "OWNER_OCCUPIED",
        "tiers": [
          {
            "name": "LVR",
            "unitOfMeasure": "PERCENT",
            "minimumValue": "0.7001",
            "maximumValue": "0.8",
            "rateApplicationMethod": "WHOLE_BALANCE",
            "additionalInfo": "Borrowing over 70% to 80% of the property value"
          }
        ]
      },
      {
        "lendingRateType": "VARIABLE",
        "rate": "0.0659",
        "comparisonRate": "0.0677",
        "calculationFrequency": "P1D",
        "applicationType": "PERIODIC",
        "applicationFrequency": "P1M",
        "interestPaymentDue": "IN_ARREARS",
        "repaymentType": "PRINCIPAL_AND_INTEREST",
        "loanPurpose": "OWNER_OCCUPIED",
        "tiers": [
          {
            "name": "LVR",
            "unitOfMeasure": "PERCENT",
            "minimumValue": "0.8001",
            "maximumValue": "0.9",
            "rateApplicationMethod": "WHOLE_BALANCE",
            "additionalInfo": "Borrowing over 80% to 90% of the property value"
          }
        ]
      },
      {
        "lendingRateType": "VARIABLE",
        "rate": "0.0714",
        "comparisonRate": "0.0731",
        "calculationFrequency": "P1D",
        "applicationType": "PERIODIC",
        "applicationFrequency": "P1M",
        "interestPaymentDue": "IN_ARREARS",
        "repaymentType": "PRINCIPAL_AND_INTEREST",
        "loanPurpose": "OWNER_OCCUPIED",
        "tiers": [
          {
            "name": "LVR",
            "unitOfMeasure": "PERCENT",
            "minimumValue": "0.9001",
            "maximumValue": "0.95",
            "rateApplicationMethod": "WHOLE_BALANCE",
            "additionalInfo": "Borrowing over 90% to 95% of the property value"
          }
        ]
      },
      {
        "lendingRateType": "FIXED",
        "rate": "0.0659",
        "comparisonRate": "0.0655",
        "calculationFrequency": "P1D",
        "applicationType": "PERIODIC",
        "applicationFrequency": "P1M",
        "interestPaymentDue": "IN_ARREARS",
        "repaymentType": "PRINCIPAL_AND_INTEREST",
        "loanPurpose": "OWNER_OCCUPIED",
        "tiers": [
          {
            "name": "LVR",
            "unitOfMeasure": "PERCENT",
            "minimumValue": "0",
            "maximumValue": "0.8",
            "rateApplicationMethod": "WHOLE_BALANCE",
            "additionalInfo": "Borrowing up to 80% of the property value"
          }
        ],
        "additionalValue": "P1Y"
      },
      {
        "lendingRateType": "FIXED",
        "rate": "0.0679",
        "comparisonRate": "0.0679",
        "calculationFrequency": "P1D",
        "applicationType": "PERIODIC",
        "applicationFrequency": "P1M",
        "interestPaymentDue": "IN_ARREARS",
        "repaymentType": "PRINCIPAL_AND_INTEREST",
        "loanPurpose": "OWNER_OCCUPIED",
        "tiers": [
          {
            "name": "LVR",
            "unitOfMeasure": "PERCENT",
            "minimumValue": "0.8001",
            "maximumValue": "0.9",
            "rateApplicationMethod": "WHOLE_BALANCE",
            "additionalInfo": "Borrowing over 80% to 90% of the property value"
          }
        ],
        "additionalValue": "P1Y"
      },
      {
        "lendingRateType": "FIXED",
        "rate": "0.0679",
        "comparisonRate": "0.0728",
        "calculationFrequency": "P1D",
        "applicationType": "PERIODIC",
        "applicationFrequency": "P1M",
        "interestPaymentDue": "IN_ARREARS",
        "repaymentType": "PRINCIPAL_AND_INTEREST",
        "loanPurpose": "OWNER_OCCUPIED",
        "tiers": [
          {
            "name": "LVR",
            "unitOfMeasure": "PERCENT",
            "minimumValue": "0.9001",
            "maximumValue": "0.95",
            "rateApplicationMethod": "WHOLE_BALANCE",
            "additionalInfo": "Borrowing over 90% to 95% of the property value"
          }
        ],
        "additionalValue": "P1Y"
      },
      {
        "lendingRateType": "FIXED",
        "rate": "0.0664",
        "comparisonRate": "0.0658",
        "calculationFrequency": "P1D",
        "applicationType": "PERIODIC",
        "applicationFrequency": "P1M",
        "interestPaymentDue": "IN_ARREARS",
        "repaymentType": "PRINCIPAL_AND_INTEREST",
        "loanPurpose": "OWNER_OCCUPIED",
        "tiers": [
          {
            "name": "LVR",
            "unitOfMeasure": "PERCENT",
            "minimumValue": "0",
            "maximumValue": "0.8",
            "rateApplicationMethod": "WHOLE_BALANCE",
            "additionalInfo": "Borrowing up to 80% of the property value"
          }
        ],
        "additionalValue": "P2Y"
      },
      {
        "lendingRateType": "FIXED",
        "rate": "0.0684",
        "comparisonRate": "0.0682",
        "calculationFrequency": "P1D",
        "applicationType": "PERIODIC",
        "applicationFrequency": "P1M",
        "interestPaymentDue": "IN_ARREARS",
        "repaymentType": "PRINCIPAL_AND_INTEREST",
        "loanPurpose": "OWNER_OCCUPIED",
        "tiers": [
          {
            "name": "LVR",
            "unitOfMeasure": "PERCENT",
            "minimumValue": "0.8001",
            "maximumValue": "0.9",
            "rateApplicationMethod": "WHOLE_BALANCE",
            "additionalInfo": "Borrowing over 80% to 90% of the property value"
          }
        ],
        "additionalValue": "P2Y"
      },
      {
        "lendingRateType": "FIXED",
        "rate": "0.0684",
        "comparisonRate": "0.0725",
        "calculationFrequency": "P1D",
        "applicationType": "PERIODIC",
        "applicationFrequency": "P1M",
        "interestPaymentDue": "IN_ARREARS",
        "repaymentType": "PRINCIPAL_AND_INTEREST",
        "loanPurpose": "OWNER_OCCUPIED",
        "tiers": [
          {
            "name": "LVR",
            "unitOfMeasure": "PERCENT",
            "minimumValue": "0.9001",
            "maximumValue": "0.95",
            "rateApplicationMethod": "WHOLE_BALANCE",
            "additionalInfo": "Borrowing over 90% to 95% of the property value"
          }
        ],
        "additionalValue": "P2Y"
      },
      {
        "lendingRateType": "FIXED",
        "rate": "0.0659",
        "comparisonRate": "0.0659",
        "calculationFrequency": "P1D",
        "applicationType": "PERIODIC",
        "applicationFrequency": "P1M",
        "interestPaymentDue": "IN_ARREARS",
        "repaymentType": "PRINCIPAL_AND_INTEREST",
        "loanPurpose": "OWNER_OCCUPIED",
        "tiers": [
          {
            "name": "LVR",
            "unitOfMeasure": "PERCENT",
            "minimumValue": "0",
            "maximumValue": "0.8",
            "rateApplicationMethod": "WHOLE_BALANCE",
            "additionalInfo": "Borrowing up to 80% of the property value"
          }
        ],
        "additionalValue": "P3Y"
      },
      {
        "lendingRateType": "FIXED",
        "rate": "0.0679",
        "comparisonRate": "0.0683",
        "calculationFrequency": "P1D",
        "applicationType": "PERIODIC",
        "applicationFrequency": "P1M",
        "interestPaymentDue": "IN_ARREARS",
        "repaymentType": "PRINCIPAL_AND_INTEREST",
        "loanPurpose": "OWNER_OCCUPIED",
        "tiers": [
          {
            "name": "LVR",
            "unitOfMeasure": "PERCENT",
            "minimumValue": "0.8001",
            "maximumValue": "0.9",
            "rateApplicationMethod": "WHOLE_BALANCE",
            "additionalInfo": "Borrowing over 80% to 90% of the property value"
          }
        ],
        "additionalValue": "P3Y"
      },
      {
        "lendingRateType": "FIXED",
        "rate": "0.0679",
        "comparisonRate": "0.0721",
        "calculationFrequency": "P1D",
        "applicationType": "PERIODIC",
        "applicationFrequency": "P1M",
        "interestPaymentDue": "IN_ARREARS",
        "repaymentType": "PRINCIPAL_AND_INTEREST",
        "loanPurpose": "OWNER_OCCUPIED",
        "tiers": [
          {
            "name": "LVR",
            "unitOfMeasure": "PERCENT",
            "minimumValue": "0.9001",
            "maximumValue": "0.95",
            "rateApplicationMethod": "WHOLE_BALANCE",
            "additionalInfo": "Borrowing over 90% to 95% of the property value"
          }
        ],
        "additionalValue": "P3Y"
      },
      {
        "lendingRateType": "FIXED",
        "rate": "0.0664",
        "comparisonRate": "0.0663",
        "calculationFrequency": "P1D",
        "applicationType": "PERIODIC",
        "applicationFrequency": "P1M",
        "interestPaymentDue": "IN_ARREARS",
        "repaymentType": "PRINCIPAL_AND_INTEREST",
        "loanPurpose": "OWNER_OCCUPIED",
        "tiers": [
          {
            "name": "LVR",
            "unitOfMeasure": "PERCENT",
            "minimumValue": "0",
            "maximumValue": "0.8",
            "rateApplicationMethod": "WHOLE_BALANCE",
            "additionalInfo": "Borrowing up to 80% of the property value"
          }
        ],
        "additionalValue": "P4Y"
      },
      {
        "lendingRateType": "FIXED",
        "rate": "0.0684",
        "comparisonRate": "0.0686",
        "calculationFrequency": "P1D",
        "applicationType": "PERIODIC",
        "applicationFrequency": "P1M",
        "interestPaymentDue": "IN_ARREARS",
        "repaymentType": "PRINCIPAL_AND_INTEREST",
        "loanPurpose": "OWNER_OCCUPIED",
        "tiers": [
          {
            "name": "LVR",
            "unitOfMeasure": "PERCENT",
            "minimumValue": "0.8001",
            "maximumValue": "0.9",
            "rateApplicationMethod": "WHOLE_BALANCE",
            "additionalInfo": "Borrowing over 80% to 90% of the property value"
          }
        ],
        "additionalValue": "P4Y"
      },
      {
        "lendingRateType": "FIXED",
        "rate": "0.0684",
        "comparisonRate": "0.072",
        "calculationFrequency": "P1D",
        "applicationType": "PERIODIC",
        "applicationFrequency": "P1M",
        "interestPaymentDue": "IN_ARREARS",
        "repaymentType": "PRINCIPAL_AND_INTEREST",
        "loanPurpose": "OWNER_OCCUPIED",
        "tiers": [
          {
            "name": "LVR",
            "unitOfMeasure": "PERCENT",
            "minimumValue": "0.9001",
            "maximumValue": "0.95",
            "rateApplicationMethod": "WHOLE_BALANCE",
            "additionalInfo": "Borrowing over 90% to 95% of the property value"
          }
        ],
        "additionalValue": "P4Y"
      },
      {
        "lendingRateType": "FIXED",
        "rate": "0.0664",
        "comparisonRate": "0.0665",
        "calculationFrequency": "P1D",
        "applicationType": "PERIODIC",
        "applicationFrequency": "P1M",
        "interestPaymentDue": "IN_ARREARS",
        "repaymentType": "PRINCIPAL_AND_INTEREST",
        "loanPurpose": "OWNER_OCCUPIED",
        "tiers": [
          {
            "name": "LVR",
            "unitOfMeasure": "PERCENT",
            "minimumValue": "0",
            "maximumValue": "0.8",
            "rateApplicationMethod": "WHOLE_BALANCE",
            "additionalInfo": "Borrowing up to 80% of the property value"
          }
        ],
        "additionalValue": "P5Y"
      },
      {
        "lendingRateType": "FIXED",
        "rate": "0.0684",
        "comparisonRate": "0.0688",
        "calculationFrequency": "P1D",
        "applicationType": "PERIODIC",
        "applicationFrequency": "P1M",
        "interestPaymentDue": "IN_ARREARS",
        "repaymentType": "PRINCIPAL_AND_INTEREST",
        "loanPurpose": "OWNER_OCCUPIED",
        "tiers": [
          {
            "name": "LVR",
            "unitOfMeasure": "PERCENT",
            "minimumValue": "0.8001",
            "maximumValue": "0.9",
            "rateApplicationMethod": "WHOLE_BALANCE",
            "additionalInfo": "Borrowing over 80% to 90% of the property value"
          }
        ],
        "additionalValue": "P5Y"
      },
      {
        "lendingRateType": "FIXED",
        "rate": "0.0684",
        "comparisonRate": "0.0718",
        "calculationFrequency": "P1D",
        "applicationType": "PERIODIC",
        "applicationFrequency": "P1M",
        "interestPaymentDue": "IN_ARREARS",
        "repaymentType": "PRINCIPAL_AND_INTEREST",
        "loanPurpose": "OWNER_OCCUPIED",
        "tiers": [
          {
            "name": "LVR",
            "unitOfMeasure": "PERCENT",
            "minimumValue": "0.9001",
            "maximumValue": "0.95",
            "rateApplicationMethod": "WHOLE_BALANCE",
            "additionalInfo": "Borrowing over 90% to 95% of the property value"
          }
        ],
        "additionalValue": "P5Y"
      },
      {
        "lendingRateType": "VARIABLE",
        "rate": "0.0738",
        "comparisonRate": "0.0696",
        "calculationFrequency": "P1D",
        "applicationType": "PERIODIC",
        "applicationFrequency": "P1M",
        "interestPaymentDue": "IN_ARREARS",
        "repaymentType": "INTEREST_ONLY",
        "loanPurpose": "OWNER_OCCUPIED",
        "tiers": [
          {
            "name": "LVR",
            "unitOfMeasure": "PERCENT",
            "minimumValue": "0",
            "maximumValue": "0.8",
            "rateApplicationMethod": "WHOLE_BALANCE",
            "additionalInfo": "Borrowing up to 80% of the property value"
          }
        ]
      },
      {
        "lendingRateType": "VARIABLE",
        "rate": "0.0788",
        "comparisonRate": "0.0733",
        "calculationFrequency": "P1D",
        "applicationType": "PERIODIC",
        "applicationFrequency": "P1M",
        "interestPaymentDue": "IN_ARREARS",
        "repaymentType": "INTEREST_ONLY",
        "loanPurpose": "OWNER_OCCUPIED",
        "tiers": [
          {
            "name": "LVR",
            "unitOfMeasure": "PERCENT",
            "minimumValue": "0.8001",
            "maximumValue": "0.9",
            "rateApplicationMethod": "WHOLE_BALANCE",
            "additionalInfo": "Borrowing over 80% to 90% of the property value"
          }
        ]
      },
      {
        "lendingRateType": "FIXED",
        "rate": "0.0709",
        "comparisonRate": "0.0659",
        "calculationFrequency": "P1D",
        "applicationType": "PERIODIC",
        "applicationFrequency": "P1M",
        "interestPaymentDue": "IN_ARREARS",
        "repaymentType": "INTEREST_ONLY",
        "loanPurpose": "OWNER_OCCUPIED",
        "tiers": [
          {
            "name": "LVR",
            "unitOfMeasure": "PERCENT",
            "minimumValue": "0",
            "maximumValue": "0.8",
            "rateApplicationMethod": "WHOLE_BALANCE",
            "additionalInfo": "Borrowing up to 80% of the property value"
          }
        ],
        "additionalValue": "P1Y"
      },
      {
        "lendingRateType": "FIXED",
        "rate": "0.0729",
        "comparisonRate": "0.0684",
        "calculationFrequency": "P1D",
        "applicationType": "PERIODIC",
        "applicationFrequency": "P1M",
        "interestPaymentDue": "IN_ARREARS",
        "repaymentType": "INTEREST_ONLY",
        "loanPurpose": "OWNER_OCCUPIED",
        "tiers": [
          {
            "name": "LVR",
            "unitOfMeasure": "PERCENT",
            "minimumValue": "0.8001",
            "maximumValue": "0.9",
            "rateApplicationMethod": "WHOLE_BALANCE",
            "additionalInfo": "Borrowing over 80% to 90% of the property value"
          }
        ],
        "additionalValue": "P1Y"
      },
      {
        "lendingRateType": "FIXED",
        "rate": "0.0714",
        "comparisonRate": "0.0667",
        "calculationFrequency": "P1D",
        "applicationType": "PERIODIC",
        "applicationFrequency": "P1M",
        "interestPaymentDue": "IN_ARREARS",
        "repaymentType": "INTEREST_ONLY",
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          {
            "name": "LVR",
            "unitOfMeasure": "PERCENT",
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            "maximumValue": "0.8",
            "rateApplicationMethod": "WHOLE_BALANCE",
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          }
        ],
        "additionalValue": "P2Y"
      },
      {
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        "applicationType": "PERIODIC",
        "applicationFrequency": "P1M",
        "interestPaymentDue": "IN_ARREARS",
        "repaymentType": "INTEREST_ONLY",
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          {
            "name": "LVR",
            "unitOfMeasure": "PERCENT",
            "minimumValue": "0.8001",
            "maximumValue": "0.9",
            "rateApplicationMethod": "WHOLE_BALANCE",
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          }
        ],
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      },
      {
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        "applicationType": "PERIODIC",
        "applicationFrequency": "P1M",
        "interestPaymentDue": "IN_ARREARS",
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          {
            "name": "LVR",
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            "maximumValue": "0.8",
            "rateApplicationMethod": "WHOLE_BALANCE",
            "additionalInfo": "Borrowing up to 80% of the property value"
          }
        ],
        "additionalValue": "P3Y"
      },
      {
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        "calculationFrequency": "P1D",
        "applicationType": "PERIODIC",
        "applicationFrequency": "P1M",
        "interestPaymentDue": "IN_ARREARS",
        "repaymentType": "INTEREST_ONLY",
        "loanPurpose": "OWNER_OCCUPIED",
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          {
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            "unitOfMeasure": "PERCENT",
            "minimumValue": "0.8001",
            "maximumValue": "0.9",
            "rateApplicationMethod": "WHOLE_BALANCE",
            "additionalInfo": "Borrowing over 80% to 90% of the property value"
          }
        ],
        "additionalValue": "P3Y"
      },
      {
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        "calculationFrequency": "P1D",
        "applicationType": "PERIODIC",
        "applicationFrequency": "P1M",
        "interestPaymentDue": "IN_ARREARS",
        "repaymentType": "INTEREST_ONLY",
        "loanPurpose": "OWNER_OCCUPIED",
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          {
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            "unitOfMeasure": "PERCENT",
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            "maximumValue": "0.8",
            "rateApplicationMethod": "WHOLE_BALANCE",
            "additionalInfo": "Borrowing up to 80% of the property value"
          }
        ],
        "additionalValue": "P4Y"
      },
      {
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        "applicationType": "PERIODIC",
        "applicationFrequency": "P1M",
        "interestPaymentDue": "IN_ARREARS",
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          {
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            "unitOfMeasure": "PERCENT",
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            "maximumValue": "0.9",
            "rateApplicationMethod": "WHOLE_BALANCE",
            "additionalInfo": "Borrowing over 80% to 90% of the property value"
          }
        ],
        "additionalValue": "P4Y"
      },
      {
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        "calculationFrequency": "P1D",
        "applicationType": "PERIODIC",
        "applicationFrequency": "P1M",
        "interestPaymentDue": "IN_ARREARS",
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          {
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            "rateApplicationMethod": "WHOLE_BALANCE",
            "additionalInfo": "Borrowing up to 80% of the property value"
          }
        ],
        "additionalValue": "P5Y"
      },
      {
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        "comparisonRate": "0.0708",
        "calculationFrequency": "P1D",
        "applicationType": "PERIODIC",
        "applicationFrequency": "P1M",
        "interestPaymentDue": "IN_ARREARS",
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          {
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            "unitOfMeasure": "PERCENT",
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            "maximumValue": "0.9",
            "rateApplicationMethod": "WHOLE_BALANCE",
            "additionalInfo": "Borrowing over 80% to 90% of the property value"
          }
        ],
        "additionalValue": "P5Y"
      },
      {
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        "calculationFrequency": "P1D",
        "applicationType": "PERIODIC",
        "applicationFrequency": "P1M",
        "interestPaymentDue": "IN_ARREARS",
        "repaymentType": "PRINCIPAL_AND_INTEREST",
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          {
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            "unitOfMeasure": "PERCENT",
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            "rateApplicationMethod": "WHOLE_BALANCE",
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          }
        ]
      },
      {
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        "calculationFrequency": "P1D",
        "applicationType": "PERIODIC",
        "applicationFrequency": "P1M",
        "interestPaymentDue": "IN_ARREARS",
        "repaymentType": "PRINCIPAL_AND_INTEREST",
        "loanPurpose": "INVESTMENT",
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          {
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            "unitOfMeasure": "PERCENT",
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            "rateApplicationMethod": "WHOLE_BALANCE",
            "additionalInfo": "Borrowing over 50% to 60% of the property value"
          }
        ]
      },
      {
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        "applicationType": "PERIODIC",
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        "interestPaymentDue": "IN_ARREARS",
        "repaymentType": "PRINCIPAL_AND_INTEREST",
        "loanPurpose": "INVESTMENT",
        "tiers": [
          {
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            "unitOfMeasure": "PERCENT",
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            "rateApplicationMethod": "WHOLE_BALANCE",
            "additionalInfo": "Borrowing over 60% to 70% of the property value"
          }
        ]
      },
      {
        "lendingRateType": "VARIABLE",
        "rate": "0.0644",
        "comparisonRate": "0.0662",
        "calculationFrequency": "P1D",
        "applicationType": "PERIODIC",
        "applicationFrequency": "P1M",
        "interestPaymentDue": "IN_ARREARS",
        "repaymentType": "PRINCIPAL_AND_INTEREST",
        "loanPurpose": "INVESTMENT",
        "tiers": [
          {
            "name": "LVR",
            "unitOfMeasure": "PERCENT",
            "minimumValue": "0.7001",
            "maximumValue": "0.8",
            "rateApplicationMethod": "WHOLE_BALANCE",
            "additionalInfo": "Borrowing over 70% to 80% of the property value"
          }
        ]
      },
      {
        "lendingRateType": "VARIABLE",
        "rate": "0.0669",
        "comparisonRate": "0.0687",
        "calculationFrequency": "P1D",
        "applicationType": "PERIODIC",
        "applicationFrequency": "P1M",
        "interestPaymentDue": "IN_ARREARS",
        "repaymentType": "PRINCIPAL_AND_INTEREST",
        "loanPurpose": "INVESTMENT",
        "tiers": [
          {
            "name": "LVR",
            "unitOfMeasure": "PERCENT",
            "minimumValue": "0.8001",
            "maximumValue": "0.9",
            "rateApplicationMethod": "WHOLE_BALANCE",
            "additionalInfo": "Borrowing over 80% to 90% of the property value"
          }
        ]
      },
      {
        "lendingRateType": "FIXED",
        "rate": "0.0674",
        "comparisonRate": "0.0665",
        "calculationFrequency": "P1D",
        "applicationType": "PERIODIC",
        "applicationFrequency": "P1M",
        "interestPaymentDue": "IN_ARREARS",
        "repaymentType": "PRINCIPAL_AND_INTEREST",
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        "tiers": [
          {
            "name": "LVR",
            "unitOfMeasure": "PERCENT",
            "minimumValue": "0",
            "maximumValue": "0.8",
            "rateApplicationMethod": "WHOLE_BALANCE",
            "additionalInfo": "Borrowing up to 80% of the property value"
          }
        ],
        "additionalValue": "P1Y"
      },
      {
        "lendingRateType": "FIXED",
        "rate": "0.0694",
        "comparisonRate": "0.0689",
        "calculationFrequency": "P1D",
        "applicationType": "PERIODIC",
        "applicationFrequency": "P1M",
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        "loanPurpose": "INVESTMENT",
        "tiers": [
          {
            "name": "LVR",
            "unitOfMeasure": "PERCENT",
            "minimumValue": "0.8001",
            "maximumValue": "0.9",
            "rateApplicationMethod": "WHOLE_BALANCE",
            "additionalInfo": "Borrowing over 80% to 90% of the property value"
          }
        ],
        "additionalValue": "P1Y"
      },
      {
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        "comparisonRate": "0.0669",
        "calculationFrequency": "P1D",
        "applicationType": "PERIODIC",
        "applicationFrequency": "P1M",
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        "repaymentType": "PRINCIPAL_AND_INTEREST",
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        "tiers": [
          {
            "name": "LVR",
            "unitOfMeasure": "PERCENT",
            "minimumValue": "0",
            "maximumValue": "0.8",
            "rateApplicationMethod": "WHOLE_BALANCE",
            "additionalInfo": "Borrowing up to 80% of the property value"
          }
        ],
        "additionalValue": "P2Y"
      },
      {
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        "calculationFrequency": "P1D",
        "applicationType": "PERIODIC",
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          {
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            "unitOfMeasure": "PERCENT",
            "minimumValue": "0.8001",
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          }
        ],
        "additionalValue": "P2Y"
      },
      {
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        "comparisonRate": "0.0671",
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        "applicationType": "PERIODIC",
        "applicationFrequency": "P1M",
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          {
            "name": "LVR",
            "unitOfMeasure": "PERCENT",
            "minimumValue": "0",
            "maximumValue": "0.8",
            "rateApplicationMethod": "WHOLE_BALANCE",
            "additionalInfo": "Borrowing up to 80% of the property value"
          }
        ],
        "additionalValue": "P3Y"
      },
      {
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        "comparisonRate": "0.0694",
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        "applicationType": "PERIODIC",
        "applicationFrequency": "P1M",
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          {
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            "unitOfMeasure": "PERCENT",
            "minimumValue": "0.8001",
            "maximumValue": "0.9",
            "rateApplicationMethod": "WHOLE_BALANCE",
            "additionalInfo": "Borrowing over 80% to 90% of the property value"
          }
        ],
        "additionalValue": "P3Y"
      },
      {
        "lendingRateType": "FIXED",
        "rate": "0.0679",
        "comparisonRate": "0.0675",
        "calculationFrequency": "P1D",
        "applicationType": "PERIODIC",
        "applicationFrequency": "P1M",
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          {
            "name": "LVR",
            "unitOfMeasure": "PERCENT",
            "minimumValue": "0",
            "maximumValue": "0.8",
            "rateApplicationMethod": "WHOLE_BALANCE",
            "additionalInfo": "Borrowing up to 80% of the property value"
          }
        ],
        "additionalValue": "P4Y"
      },
      {
        "lendingRateType": "FIXED",
        "rate": "0.0699",
        "comparisonRate": "0.0698",
        "calculationFrequency": "P1D",
        "applicationType": "PERIODIC",
        "applicationFrequency": "P1M",
        "interestPaymentDue": "IN_ARREARS",
        "repaymentType": "PRINCIPAL_AND_INTEREST",
        "loanPurpose": "INVESTMENT",
        "tiers": [
          {
            "name": "LVR",
            "unitOfMeasure": "PERCENT",
            "minimumValue": "0.8001",
            "maximumValue": "0.9",
            "rateApplicationMethod": "WHOLE_BALANCE",
            "additionalInfo": "Borrowing over 80% to 90% of the property value"
          }
        ],
        "additionalValue": "P4Y"
      },
      {
        "lendingRateType": "FIXED",
        "rate": "0.0679",
        "comparisonRate": "0.0677",
        "calculationFrequency": "P1D",
        "applicationType": "PERIODIC",
        "applicationFrequency": "P1M",
        "interestPaymentDue": "IN_ARREARS",
        "repaymentType": "PRINCIPAL_AND_INTEREST",
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          {
            "name": "LVR",
            "unitOfMeasure": "PERCENT",
            "minimumValue": "0",
            "maximumValue": "0.8",
            "rateApplicationMethod": "WHOLE_BALANCE",
            "additionalInfo": "Borrowing up to 80% of the property value"
          }
        ],
        "additionalValue": "P5Y"
      },
      {
        "lendingRateType": "FIXED",
        "rate": "0.0699",
        "comparisonRate": "0.07",
        "calculationFrequency": "P1D",
        "applicationType": "PERIODIC",
        "applicationFrequency": "P1M",
        "interestPaymentDue": "IN_ARREARS",
        "repaymentType": "PRINCIPAL_AND_INTEREST",
        "loanPurpose": "INVESTMENT",
        "tiers": [
          {
            "name": "LVR",
            "unitOfMeasure": "PERCENT",
            "minimumValue": "0.8001",
            "maximumValue": "0.9",
            "rateApplicationMethod": "WHOLE_BALANCE",
            "additionalInfo": "Borrowing over 80% to 90% of the property value"
          }
        ],
        "additionalValue": "P5Y"
      },
      {
        "lendingRateType": "VARIABLE",
        "rate": "0.0649",
        "comparisonRate": "0.0654",
        "calculationFrequency": "P1D",
        "applicationType": "PERIODIC",
        "applicationFrequency": "P1M",
        "interestPaymentDue": "IN_ARREARS",
        "repaymentType": "INTEREST_ONLY",
        "loanPurpose": "INVESTMENT",
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          {
            "name": "LVR",
            "unitOfMeasure": "PERCENT",
            "minimumValue": "0",
            "maximumValue": "0.5",
            "rateApplicationMethod": "WHOLE_BALANCE",
            "additionalInfo": "Borrowing up to 50% of the property value"
          }
        ]
      },
      {
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        "calculationFrequency": "P1D",
        "applicationType": "PERIODIC",
        "applicationFrequency": "P1M",
        "interestPaymentDue": "IN_ARREARS",
        "repaymentType": "INTEREST_ONLY",
        "loanPurpose": "INVESTMENT",
        "tiers": [
          {
            "name": "LVR",
            "unitOfMeasure": "PERCENT",
            "minimumValue": "0.5001",
            "maximumValue": "0.6",
            "rateApplicationMethod": "WHOLE_BALANCE",
            "additionalInfo": "Borrowing over 50% to 60% of the property value"
          }
        ]
      },
      {
        "lendingRateType": "VARIABLE",
        "rate": "0.0659",
        "comparisonRate": "0.0661",
        "calculationFrequency": "P1D",
        "applicationType": "PERIODIC",
        "applicationFrequency": "P1M",
        "interestPaymentDue": "IN_ARREARS",
        "repaymentType": "INTEREST_ONLY",
        "loanPurpose": "INVESTMENT",
        "tiers": [
          {
            "name": "LVR",
            "unitOfMeasure": "PERCENT",
            "minimumValue": "0.6001",
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            "rateApplicationMethod": "WHOLE_BALANCE",
            "additionalInfo": "Borrowing over 60% to 70% of the property value"
          }
        ]
      },
      {
        "lendingRateType": "VARIABLE",
        "rate": "0.0669",
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        "calculationFrequency": "P1D",
        "applicationType": "PERIODIC",
        "applicationFrequency": "P1M",
        "interestPaymentDue": "IN_ARREARS",
        "repaymentType": "INTEREST_ONLY",
        "loanPurpose": "INVESTMENT",
        "tiers": [
          {
            "name": "LVR",
            "unitOfMeasure": "PERCENT",
            "minimumValue": "0.7001",
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            "rateApplicationMethod": "WHOLE_BALANCE",
            "additionalInfo": "Borrowing over 70% to 80% of the property value"
          }
        ]
      },
      {
        "lendingRateType": "VARIABLE",
        "rate": "0.0734",
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        "calculationFrequency": "P1D",
        "applicationType": "PERIODIC",
        "applicationFrequency": "P1M",
        "interestPaymentDue": "IN_ARREARS",
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        "loanPurpose": "INVESTMENT",
        "tiers": [
          {
            "name": "LVR",
            "unitOfMeasure": "PERCENT",
            "minimumValue": "0.8001",
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            "rateApplicationMethod": "WHOLE_BALANCE",
            "additionalInfo": "Borrowing over 80% to 90% of the property value"
          }
        ]
      },
      {
        "lendingRateType": "FIXED",
        "rate": "0.0684",
        "comparisonRate": "0.0666",
        "calculationFrequency": "P1D",
        "applicationType": "PERIODIC",
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        "interestPaymentDue": "IN_ARREARS",
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          {
            "name": "LVR",
            "unitOfMeasure": "PERCENT",
            "minimumValue": "0",
            "maximumValue": "0.8",
            "rateApplicationMethod": "WHOLE_BALANCE",
            "additionalInfo": "Borrowing up to 80% of the property value"
          }
        ],
        "additionalValue": "P1Y"
      },
      {
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        "calculationFrequency": "P1D",
        "applicationType": "PERIODIC",
        "applicationFrequency": "P1M",
        "interestPaymentDue": "IN_ARREARS",
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        "loanPurpose": "INVESTMENT",
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          {
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            "unitOfMeasure": "PERCENT",
            "minimumValue": "0.8001",
            "maximumValue": "0.9",
            "rateApplicationMethod": "WHOLE_BALANCE",
            "additionalInfo": "Borrowing over 80% to 90% of the property value"
          }
        ],
        "additionalValue": "P1Y"
      },
      {
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        "comparisonRate": "0.067",
        "calculationFrequency": "P1D",
        "applicationType": "PERIODIC",
        "applicationFrequency": "P1M",
        "interestPaymentDue": "IN_ARREARS",
        "repaymentType": "INTEREST_ONLY",
        "loanPurpose": "INVESTMENT",
        "tiers": [
          {
            "name": "LVR",
            "unitOfMeasure": "PERCENT",
            "minimumValue": "0",
            "maximumValue": "0.8",
            "rateApplicationMethod": "WHOLE_BALANCE",
            "additionalInfo": "Borrowing up to 80% of the property value"
          }
        ],
        "additionalValue": "P2Y"
      },
      {
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        "comparisonRate": "0.0694",
        "calculationFrequency": "P1D",
        "applicationType": "PERIODIC",
        "applicationFrequency": "P1M",
        "interestPaymentDue": "IN_ARREARS",
        "repaymentType": "INTEREST_ONLY",
        "loanPurpose": "INVESTMENT",
        "tiers": [
          {
            "name": "LVR",
            "unitOfMeasure": "PERCENT",
            "minimumValue": "0.8001",
            "maximumValue": "0.9",
            "rateApplicationMethod": "WHOLE_BALANCE",
            "additionalInfo": "Borrowing over 80% to 90% of the property value"
          }
        ],
        "additionalValue": "P2Y"
      },
      {
        "lendingRateType": "FIXED",
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        "calculationFrequency": "P1D",
        "applicationType": "PERIODIC",
        "applicationFrequency": "P1M",
        "interestPaymentDue": "IN_ARREARS",
        "repaymentType": "INTEREST_ONLY",
        "loanPurpose": "INVESTMENT",
        "tiers": [
          {
            "name": "LVR",
            "unitOfMeasure": "PERCENT",
            "minimumValue": "0",
            "maximumValue": "0.8",
            "rateApplicationMethod": "WHOLE_BALANCE",
            "additionalInfo": "Borrowing up to 80% of the property value"
          }
        ],
        "additionalValue": "P3Y"
      },
      {
        "lendingRateType": "FIXED",
        "rate": "0.0704",
        "comparisonRate": "0.0696",
        "calculationFrequency": "P1D",
        "applicationType": "PERIODIC",
        "applicationFrequency": "P1M",
        "interestPaymentDue": "IN_ARREARS",
        "repaymentType": "INTEREST_ONLY",
        "loanPurpose": "INVESTMENT",
        "tiers": [
          {
            "name": "LVR",
            "unitOfMeasure": "PERCENT",
            "minimumValue": "0.8001",
            "maximumValue": "0.9",
            "rateApplicationMethod": "WHOLE_BALANCE",
            "additionalInfo": "Borrowing over 80% to 90% of the property value"
          }
        ],
        "additionalValue": "P3Y"
      },
      {
        "lendingRateType": "FIXED",
        "rate": "0.0689",
        "comparisonRate": "0.0677",
        "calculationFrequency": "P1D",
        "applicationType": "PERIODIC",
        "applicationFrequency": "P1M",
        "interestPaymentDue": "IN_ARREARS",
        "repaymentType": "INTEREST_ONLY",
        "loanPurpose": "INVESTMENT",
        "tiers": [
          {
            "name": "LVR",
            "unitOfMeasure": "PERCENT",
            "minimumValue": "0",
            "maximumValue": "0.8",
            "rateApplicationMethod": "WHOLE_BALANCE",
            "additionalInfo": "Borrowing up to 80% of the property value"
          }
        ],
        "additionalValue": "P4Y"
      },
      {
        "lendingRateType": "FIXED",
        "rate": "0.0709",
        "comparisonRate": "0.07",
        "calculationFrequency": "P1D",
        "applicationType": "PERIODIC",
        "applicationFrequency": "P1M",
        "interestPaymentDue": "IN_ARREARS",
        "repaymentType": "INTEREST_ONLY",
        "loanPurpose": "INVESTMENT",
        "tiers": [
          {
            "name": "LVR",
            "unitOfMeasure": "PERCENT",
            "minimumValue": "0.8001",
            "maximumValue": "0.9",
            "rateApplicationMethod": "WHOLE_BALANCE",
            "additionalInfo": "Borrowing over 80% to 90% of the property value"
          }
        ],
        "additionalValue": "P4Y"
      },
      {
        "lendingRateType": "FIXED",
        "rate": "0.0689",
        "comparisonRate": "0.068",
        "calculationFrequency": "P1D",
        "applicationType": "PERIODIC",
        "applicationFrequency": "P1M",
        "interestPaymentDue": "IN_ARREARS",
        "repaymentType": "INTEREST_ONLY",
        "loanPurpose": "INVESTMENT",
        "tiers": [
          {
            "name": "LVR",
            "unitOfMeasure": "PERCENT",
            "minimumValue": "0",
            "maximumValue": "0.8",
            "rateApplicationMethod": "WHOLE_BALANCE",
            "additionalInfo": "Borrowing up to 80% of the property value"
          }
        ],
        "additionalValue": "P5Y"
      },
      {
        "lendingRateType": "FIXED",
        "rate": "0.0709",
        "comparisonRate": "0.0703",
        "calculationFrequency": "P1D",
        "applicationType": "PERIODIC",
        "applicationFrequency": "P1M",
        "interestPaymentDue": "IN_ARREARS",
        "repaymentType": "INTEREST_ONLY",
        "loanPurpose": "INVESTMENT",
        "tiers": [
          {
            "name": "LVR",
            "unitOfMeasure": "PERCENT",
            "minimumValue": "0.8001",
            "maximumValue": "0.9",
            "rateApplicationMethod": "WHOLE_BALANCE",
            "additionalInfo": "Borrowing over 80% to 90% of the property value"
          }
        ],
        "additionalValue": "P5Y"
      }
    ]
  }
}