{
  "source": "https://public.cdr.afghomeloans.com.au/cds-au/v1/banking/products/66f8aed6-84e2-4371-a00e-eee4ae077d98",
  "note": "Product Reference Data published by the data holder under the Consumer Data Right, as cached by this site (refreshed every 6 hours).",
  "data": {
    "additionalInformation": {},
    "brand": "AFG Home Loans",
    "brandName": "AFG Home Loans -Retro",
    "constraints": [
      {
        "additionalInfo": "Maximum group exposure is $2 mil",
        "additionalValue": "2000000",
        "constraintType": "MAX_BALANCE"
      },
      {
        "additionalInfo": "Maximum LVR: 80% plus risk fee",
        "additionalValue": "0.8",
        "constraintType": "MAX_LVR"
      }
    ],
    "description": "An OO/INV variable home loan with both P&I and IO rate for non-conforming customers",
    "eligibility": [
      {
        "additionalValue": "Individuals",
        "eligibilityType": "NATURAL_PERSON"
      },
      {
        "additionalInfo": "Registered Australian companies, subject to taxation. Trustee companies acting on behalf of trusts",
        "additionalValue": "Non-individual borrowers",
        "eligibilityType": "BUSINESS"
      },
      {
        "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.",
        "additionalValue": "18",
        "eligibilityType": "MIN_AGE"
      },
      {
        "additionalInfo": "Applications for home loans are subject to the Bank's normal credit approval.",
        "eligibilityType": "OTHER"
      },
      {
        "additionalValue": "Borrowers, mortgagors, and guarantors must reside in Australia and one of the following: Australian Citizen or Australian Permanent Resident. Individuals who hold a Partner/Spousal Resident Visa (e.g., Subclass 309, 820) are permitted, on the basis that a joint application is submitted with one of the above defined eligible borrowers.",
        "eligibilityType": "RESIDENCY_STATUS"
      }
    ],
    "features": [
      {
        "additionalInfo": "More frequent payments are permitted and additional repayments may be made at any time.",
        "additionalValue": "Additional repayments",
        "featureType": "EXTRA_REPAYMENTS"
      },
      {
        "additionalInfo": "Up to four 100% offset facilities with no ongoing fees",
        "additionalValue": "Offset account",
        "featureType": "OFFSET"
      },
      {
        "additionalInfo": "Minimum manual redraw of $3,000",
        "additionalValue": "Redraw",
        "featureType": "REDRAW"
      },
      {
        "additionalInfo": "Internet and mobile banking available",
        "featureType": "DIGITAL_BANKING"
      },
      {
        "additionalInfo": "Up to 10 years Interest Only",
        "additionalValue": "10 year IO term",
        "featureType": "OTHER"
      },
      {
        "additionalInfo": "Maximum four splits are offered ",
        "additionalValue": "Splitting your loan",
        "featureType": "OTHER"
      },
      {
        "additionalInfo": "This loan can be used for the purposes of investment and owner occupied property purchases, refinancing your existing home loan, business purposes(excluding working capital), and personal needs (e.g.home renovations, consolidation of personal debt and personal investments).",
        "additionalValue": "Acceptable Loan Purposes",
        "featureType": "OTHER"
      },
      {
        "additionalInfo": "This loan cannot be used for working capital, bridging loans, or any unlawful purposes.",
        "additionalValue": "Unacceptable Loan Purposes",
        "featureType": "OTHER"
      },
      {
        "additionalInfo": "Loan variation acceptable",
        "additionalValue": "Top up",
        "featureType": "OTHER"
      },
      {
        "additionalInfo": "Documentary evidence is required where Cash Out is > $200,000",
        "additionalValue": "Cash Out",
        "featureType": "OTHER"
      },
      {
        "additionalInfo": "Where an applicant shares common debts with their (non-applicant) spouse/defacto and appropriate supporting evidence can be provided, 50% of the joint debt can be used in servicing, and applicant can be treated as single. ",
        "additionalValue": "Common debt reducer",
        "featureType": "OTHER"
      },
      {
        "additionalInfo": "Loan term Minimum 8 years maximum 30 years",
        "additionalValue": "Loan Term",
        "featureType": "OTHER"
      },
      {
        "additionalInfo": "Unlimited number of paid & unpaid defaults, judgments and writs (up to the value of $1,000), Discharged Bankrupt > 1 day",
        "additionalValue": "Credit history",
        "featureType": "OTHER"
      },
      {
        "additionalInfo": "30 days or less mortgage arrears",
        "additionalValue": "Arrears",
        "featureType": "OTHER"
      }
    ],
    "fees": [
      {
        "currency": "AUD",
        "feeMethodUType": "fixedAmount",
        "feeType": "EVENT",
        "fixedAmount": {
          "amount": "330.00"
        },
        "name": "Annual Service Fee"
      },
      {
        "currency": "AUD",
        "feeMethodUType": "fixedAmount",
        "feeType": "UPFRONT",
        "fixedAmount": {
          "amount": "699.00"
        },
        "name": "Settlement Fee"
      },
      {
        "additionalInfo": "Full fee charged to customer. The Valuation Fee range is an estimate.  Valuation Fee may be less than the Fee Minimum noted or greater than the Fee Maximum noted.",
        "currency": "AUD",
        "feeMethodUType": "variable",
        "feeType": "UPFRONT",
        "name": "Valuation Fee",
        "variable": {
          "feeMaximum": "700.00",
          "feeMinimum": "300.00"
        }
      },
      {
        "additionalInfo": "Applicable only to Trust applicant",
        "currency": "AUD",
        "feeMethodUType": "fixedAmount",
        "feeType": "EVENT",
        "fixedAmount": {
          "amount": "300.00"
        },
        "name": "Trust application Fee"
      },
      {
        "additionalInfo": "0.50% up to 60% LVR / 0.70% for 60% <= 70% LVR / 1.00% for >70% LVR",
        "currency": "AUD",
        "feeMethodUType": "rateBased",
        "feeType": "UPFRONT",
        "name": "Risk Fee",
        "rateBased": {
          "rate": "",
          "rateType": ""
        }
      }
    ],
    "isTailored": false,
    "lastUpdated": "2026-07-06T00:55:28Z",
    "lendingRates": [
      {
        "applicationFrequency": "P1M",
        "applicationType": "PERIODIC",
        "calculationFrequency": "P1D",
        "comparisonRate": "0.0825",
        "interestPaymentDue": "IN_ARREARS",
        "lendingRateType": "VARIABLE",
        "loanPurpose": "INVESTMENT",
        "rate": "0.0734",
        "repaymentType": "PRINCIPAL_AND_INTEREST",
        "tiers": [
          {
            "maximumValue": "2000000.00",
            "minimumValue": "1250000.01",
            "name": "Loan Amount Tier",
            "rateApplicationMethod": "WHOLE_BALANCE",
            "unitOfMeasure": "DOLLAR"
          },
          {
            "maximumValue": "0.6000",
            "minimumValue": "0.0000",
            "name": "LVR Tier",
            "rateApplicationMethod": "WHOLE_BALANCE",
            "unitOfMeasure": "PERCENT"
          }
        ]
      },
      {
        "applicationFrequency": "P1M",
        "applicationType": "PERIODIC",
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        "comparisonRate": "0.0828",
        "interestPaymentDue": "IN_ARREARS",
        "lendingRateType": "VARIABLE",
        "loanPurpose": "INVESTMENT",
        "rate": "0.0734",
        "repaymentType": "PRINCIPAL_AND_INTEREST",
        "tiers": [
          {
            "maximumValue": "2000000.00",
            "minimumValue": "1250000.01",
            "name": "Loan Amount Tier",
            "rateApplicationMethod": "WHOLE_BALANCE",
            "unitOfMeasure": "DOLLAR"
          },
          {
            "maximumValue": "0.7000",
            "minimumValue": "0.6001",
            "name": "LVR Tier",
            "rateApplicationMethod": "WHOLE_BALANCE",
            "unitOfMeasure": "PERCENT"
          }
        ]
      },
      {
        "applicationFrequency": "P1M",
        "applicationType": "PERIODIC",
        "calculationFrequency": "P1D",
        "comparisonRate": "0.0862",
        "interestPaymentDue": "IN_ARREARS",
        "lendingRateType": "VARIABLE",
        "loanPurpose": "INVESTMENT",
        "rate": "0.0765",
        "repaymentType": "PRINCIPAL_AND_INTEREST",
        "tiers": [
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            "maximumValue": "2000000.00",
            "minimumValue": "1250000.01",
            "name": "Loan Amount Tier",
            "rateApplicationMethod": "WHOLE_BALANCE",
            "unitOfMeasure": "DOLLAR"
          },
          {
            "maximumValue": "0.8000",
            "minimumValue": "0.7001",
            "name": "LVR Tier",
            "rateApplicationMethod": "WHOLE_BALANCE",
            "unitOfMeasure": "PERCENT"
          }
        ]
      },
      {
        "applicationFrequency": "P1M",
        "applicationType": "PERIODIC",
        "calculationFrequency": "P1D",
        "comparisonRate": "0.0805",
        "interestPaymentDue": "IN_ARREARS",
        "lendingRateType": "VARIABLE",
        "loanPurpose": "INVESTMENT",
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        "repaymentType": "PRINCIPAL_AND_INTEREST",
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            "name": "Loan Amount Tier",
            "rateApplicationMethod": "WHOLE_BALANCE",
            "unitOfMeasure": "DOLLAR"
          },
          {
            "maximumValue": "0.6000",
            "minimumValue": "0.0000",
            "name": "LVR Tier",
            "rateApplicationMethod": "WHOLE_BALANCE",
            "unitOfMeasure": "PERCENT"
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        ]
      },
      {
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        "repaymentType": "PRINCIPAL_AND_INTEREST",
        "tiers": [
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          },
          {
            "maximumValue": "0.7000",
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            "name": "LVR Tier",
            "rateApplicationMethod": "WHOLE_BALANCE",
            "unitOfMeasure": "PERCENT"
          }
        ]
      },
      {
        "applicationFrequency": "P1M",
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        "comparisonRate": "0.0831",
        "interestPaymentDue": "IN_ARREARS",
        "lendingRateType": "VARIABLE",
        "loanPurpose": "INVESTMENT",
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        "repaymentType": "PRINCIPAL_AND_INTEREST",
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          {
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            "name": "LVR Tier",
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      {
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        "interestPaymentDue": "IN_ARREARS",
        "lendingRateType": "VARIABLE",
        "loanPurpose": "INVESTMENT",
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        "tiers": [
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            "name": "Loan Amount Tier",
            "rateApplicationMethod": "WHOLE_BALANCE",
            "unitOfMeasure": "DOLLAR"
          },
          {
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        ]
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      {
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            "rateApplicationMethod": "WHOLE_BALANCE",
            "unitOfMeasure": "DOLLAR"
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          {
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            "name": "LVR Tier",
            "rateApplicationMethod": "WHOLE_BALANCE",
            "unitOfMeasure": "PERCENT"
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        ]
      },
      {
        "applicationFrequency": "P1M",
        "applicationType": "PERIODIC",
        "calculationFrequency": "P1D",
        "comparisonRate": "0.0795",
        "interestPaymentDue": "IN_ARREARS",
        "lendingRateType": "VARIABLE",
        "loanPurpose": "OWNER_OCCUPIED",
        "rate": "0.0704",
        "repaymentType": "PRINCIPAL_AND_INTEREST",
        "tiers": [
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            "rateApplicationMethod": "WHOLE_BALANCE",
            "unitOfMeasure": "DOLLAR"
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          {
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            "name": "Loan Amount Tier",
            "rateApplicationMethod": "WHOLE_BALANCE",
            "unitOfMeasure": "DOLLAR"
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          {
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            "name": "LVR Tier",
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            "name": "LVR Tier",
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      {
        "applicationFrequency": "P1M",
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            "rateApplicationMethod": "WHOLE_BALANCE",
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            "name": "Loan Amount Tier",
            "rateApplicationMethod": "WHOLE_BALANCE",
            "unitOfMeasure": "DOLLAR"
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          {
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            "name": "LVR Tier",
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            "unitOfMeasure": "PERCENT"
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        "loanPurpose": "OWNER_OCCUPIED",
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            "name": "Loan Amount Tier",
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            "unitOfMeasure": "DOLLAR"
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          {
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            "name": "LVR Tier",
            "rateApplicationMethod": "WHOLE_BALANCE",
            "unitOfMeasure": "PERCENT"
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        "loanPurpose": "OWNER_OCCUPIED",
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        "repaymentType": "PRINCIPAL_AND_INTEREST",
        "tiers": [
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            "name": "Loan Amount Tier",
            "rateApplicationMethod": "WHOLE_BALANCE",
            "unitOfMeasure": "DOLLAR"
          },
          {
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            "name": "LVR Tier",
            "rateApplicationMethod": "WHOLE_BALANCE",
            "unitOfMeasure": "PERCENT"
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        ]
      },
      {
        "applicationFrequency": "P1M",
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        "lendingRateType": "VARIABLE",
        "loanPurpose": "OWNER_OCCUPIED",
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        "repaymentType": "PRINCIPAL_AND_INTEREST",
        "tiers": [
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            "name": "Loan Amount Tier",
            "rateApplicationMethod": "WHOLE_BALANCE",
            "unitOfMeasure": "DOLLAR"
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          {
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            "minimumValue": "0.7001",
            "name": "LVR Tier",
            "rateApplicationMethod": "WHOLE_BALANCE",
            "unitOfMeasure": "PERCENT"
          }
        ]
      },
      {
        "applicationFrequency": "P1M",
        "applicationType": "PERIODIC",
        "calculationFrequency": "P1D",
        "comparisonRate": "0.0793",
        "interestPaymentDue": "IN_ARREARS",
        "lendingRateType": "VARIABLE",
        "loanPurpose": "INVESTMENT",
        "rate": "0.0734",
        "repaymentType": "INTEREST_ONLY",
        "tiers": [
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            "maximumValue": "60.00",
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            "name": "IO Term Tier",
            "rateApplicationMethod": "WHOLE_BALANCE",
            "unitOfMeasure": "MONTH"
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          {
            "maximumValue": "1500000.00",
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            "name": "Loan Amount Tier",
            "rateApplicationMethod": "WHOLE_BALANCE",
            "unitOfMeasure": "DOLLAR"
          },
          {
            "maximumValue": "0.6000",
            "minimumValue": "0.0000",
            "name": "LVR Tier",
            "rateApplicationMethod": "WHOLE_BALANCE",
            "unitOfMeasure": "PERCENT"
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      {
        "applicationFrequency": "P1M",
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        "lendingRateType": "VARIABLE",
        "loanPurpose": "INVESTMENT",
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        "repaymentType": "INTEREST_ONLY",
        "tiers": [
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            "maximumValue": "60.00",
            "minimumValue": "12.00",
            "name": "IO Term Tier",
            "rateApplicationMethod": "WHOLE_BALANCE",
            "unitOfMeasure": "MONTH"
          },
          {
            "maximumValue": "1500000.00",
            "minimumValue": "1250000.01",
            "name": "Loan Amount Tier",
            "rateApplicationMethod": "WHOLE_BALANCE",
            "unitOfMeasure": "DOLLAR"
          },
          {
            "maximumValue": "0.7000",
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            "name": "LVR Tier",
            "rateApplicationMethod": "WHOLE_BALANCE",
            "unitOfMeasure": "PERCENT"
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        ]
      },
      {
        "applicationFrequency": "P1M",
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        "interestPaymentDue": "IN_ARREARS",
        "lendingRateType": "VARIABLE",
        "loanPurpose": "INVESTMENT",
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        "repaymentType": "INTEREST_ONLY",
        "tiers": [
          {
            "maximumValue": "60.00",
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            "name": "IO Term Tier",
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        "rate": "0.0794",
        "repaymentType": "INTEREST_ONLY",
        "tiers": [
          {
            "maximumValue": "120.00",
            "minimumValue": "72.00",
            "name": "IO Term Tier",
            "rateApplicationMethod": "WHOLE_BALANCE",
            "unitOfMeasure": "MONTH"
          },
          {
            "maximumValue": "750000.00",
            "minimumValue": "100000.00",
            "name": "Loan Amount Tier",
            "rateApplicationMethod": "WHOLE_BALANCE",
            "unitOfMeasure": "DOLLAR"
          },
          {
            "maximumValue": "0.8000",
            "minimumValue": "0.7001",
            "name": "LVR Tier",
            "rateApplicationMethod": "WHOLE_BALANCE",
            "unitOfMeasure": "PERCENT"
          }
        ]
      },
      {
        "applicationFrequency": "P1M",
        "applicationType": "PERIODIC",
        "calculationFrequency": "P1D",
        "comparisonRate": "0.0793",
        "interestPaymentDue": "IN_ARREARS",
        "lendingRateType": "VARIABLE",
        "loanPurpose": "INVESTMENT",
        "rate": "0.0774",
        "repaymentType": "INTEREST_ONLY",
        "tiers": [
          {
            "maximumValue": "120.00",
            "minimumValue": "72.00",
            "name": "IO Term Tier",
            "rateApplicationMethod": "WHOLE_BALANCE",
            "unitOfMeasure": "MONTH"
          },
          {
            "maximumValue": "750000.00",
            "minimumValue": "100000.00",
            "name": "Loan Amount Tier",
            "rateApplicationMethod": "WHOLE_BALANCE",
            "unitOfMeasure": "DOLLAR"
          },
          {
            "maximumValue": "0.6000",
            "minimumValue": "0.0000",
            "name": "LVR Tier",
            "rateApplicationMethod": "WHOLE_BALANCE",
            "unitOfMeasure": "PERCENT"
          }
        ]
      }
    ],
    "name": "Retro Specialist",
    "productCategory": "RESIDENTIAL_MORTGAGES",
    "productId": "66f8aed6-84e2-4371-a00e-eee4ae077d98"
  }
}