{
  "source": "https://www.athena.com.au/cds-au/v1/banking/products/apollo-next-enddebt",
  "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": "apollo-next-enddebt",
    "effectiveFrom": "2026-05-19T00:00:00.000Z",
    "lastUpdated": "2026-06-26T02:50:09.835Z",
    "productCategory": "RESIDENTIAL_MORTGAGES",
    "name": "Apollo Next with End Debt",
    "description": "Bridging home loan for owner-occupiers purchasing before selling, where an ongoing mortgage on the new property remains after sale of the existing property.",
    "brand": "Apollo",
    "brandName": "LMG Apollo",
    "applicationUri": "https://lmg.athena.com.au",
    "isTailored": true,
    "additionalInformation": {
      "overviewUri": "https://lmg.athena.com.au/customer-brochure",
      "termsUri": "https://lmg.athena.com.au/access-terms",
      "feesAndPricingUri": "https://lmg.athena.com.au",
      "eligibilityUri": "https://lmg.athena.com.au/apollo-next-target-market-determination"
    },
    "features": [
      {
        "featureType": "DIGITAL_BANKING",
        "additionalInfo": "Online and mobile account management"
      },
      {
        "featureType": "REDRAW",
        "additionalInfo": "Free redraw facility"
      },
      {
        "featureType": "OFFSET",
        "additionalInfo": "100% multi-offset across up to 10 linked sub-accounts"
      },
      {
        "featureType": "EXTRA_REPAYMENTS",
        "additionalInfo": "Unlimited extra repayments"
      }
    ],
    "constraints": [
      {
        "constraintType": "MIN_LIMIT",
        "additionalValue": "100000.00",
        "additionalInfo": "Minimum loan amount $100,000"
      },
      {
        "constraintType": "MAX_LIMIT",
        "additionalValue": "3000000.00",
        "additionalInfo": "Maximum loan amount $3,000,000"
      },
      {
        "constraintType": "MAX_LVR",
        "additionalValue": "0.85",
        "additionalInfo": "Maximum LVR 85%"
      },
      {
        "constraintType": "OTHER",
        "additionalValue": "P12M",
        "additionalInfo": "Maximum loan term 12 months"
      }
    ],
    "eligibility": [
      {
        "eligibilityType": "NATURAL_PERSON"
      },
      {
        "eligibilityType": "MIN_AGE",
        "additionalValue": "18",
        "additionalInfo": "Minimum age 18 years"
      },
      {
        "eligibilityType": "RESIDENCY_STATUS",
        "additionalValue": "Australian citizen or permanent resident"
      },
      {
        "eligibilityType": "OTHER",
        "additionalInfo": "Lending criteria and T&Cs apply"
      }
    ],
    "fees": [
      {
        "name": "Application Fee",
        "feeType": "UPFRONT",
        "feeMethodUType": "fixedAmount",
        "currency": "AUD",
        "fixedAmount": {
          "amount": "1500.00"
        }
      },
      {
        "name": "Bridging Deposit",
        "feeType": "UPFRONT",
        "feeMethodUType": "fixedAmount",
        "currency": "AUD",
        "fixedAmount": {
          "amount": "750.00"
        },
        "additionalInfo": "Refundable: paid after unconditional approval, refunded at settlement"
      },
      {
        "name": "Valuation Fee",
        "feeType": "UPFRONT",
        "feeMethodUType": "variable",
        "currency": "AUD",
        "additionalInfo": "Charged at cost"
      },
      {
        "name": "Settlement Fee",
        "feeType": "UPFRONT",
        "feeMethodUType": "fixedAmount",
        "currency": "AUD",
        "fixedAmount": {
          "amount": "330.00"
        }
      },
      {
        "name": "Offset Account Fee",
        "feeType": "PERIODIC",
        "feeMethodUType": "fixedAmount",
        "currency": "AUD",
        "fixedAmount": {
          "amount": "0.00"
        }
      },
      {
        "name": "Split Loan Fee",
        "feeType": "TRANSACTION",
        "feeMethodUType": "fixedAmount",
        "currency": "AUD",
        "fixedAmount": {
          "amount": "0.00"
        }
      },
      {
        "name": "Discharge Fee",
        "feeType": "EXIT",
        "feeMethodUType": "fixedAmount",
        "currency": "AUD",
        "fixedAmount": {
          "amount": "299.00"
        }
      },
      {
        "name": "Ongoing Fee",
        "feeType": "PERIODIC",
        "feeMethodUType": "fixedAmount",
        "currency": "AUD",
        "fixedAmount": {
          "amount": "0.00"
        }
      },
      {
        "name": "Redraw Fee",
        "feeType": "TRANSACTION",
        "feeMethodUType": "fixedAmount",
        "currency": "AUD",
        "fixedAmount": {
          "amount": "0.00"
        }
      }
    ],
    "lendingRates": [
      {
        "lendingRateType": "VARIABLE",
        "rate": "0.0924",
        "applicationType": "PERIODIC",
        "calculationFrequency": "P1D",
        "applicationFrequency": "P1M",
        "interestPaymentDue": "IN_ARREARS",
        "repaymentType": "INTEREST_ONLY",
        "loanPurpose": "OWNER_OCCUPIED",
        "tiers": [
          {
            "name": "LVR ≤80%",
            "unitOfMeasure": "PERCENT",
            "minimumValue": "70.01",
            "maximumValue": "80",
            "rateApplicationMethod": "WHOLE_BALANCE"
          }
        ]
      },
      {
        "lendingRateType": "VARIABLE",
        "rate": "0.0974",
        "applicationType": "PERIODIC",
        "calculationFrequency": "P1D",
        "applicationFrequency": "P1M",
        "interestPaymentDue": "IN_ARREARS",
        "repaymentType": "INTEREST_ONLY",
        "loanPurpose": "OWNER_OCCUPIED",
        "tiers": [
          {
            "name": "LVR 80-85%",
            "unitOfMeasure": "PERCENT",
            "minimumValue": "80.01",
            "maximumValue": "85",
            "rateApplicationMethod": "WHOLE_BALANCE"
          }
        ]
      }
    ]
  }
}