{
  "source": "https://www.athena.com.au/cds-au/v1/banking/products/mcf-tailored-selfemp-litedoc",
  "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": "mcf-tailored-selfemp-litedoc",
    "effectiveFrom": "2026-05-19T00:00:00.000Z",
    "lastUpdated": "2026-06-26T02:50:09.835Z",
    "productCategory": "RESIDENTIAL_MORTGAGES",
    "name": "Mortgage Choice Freedom Tailored Self-Employed Lite Doc",
    "description": "Variable-rate home loan for self-employed borrowers using alternative income documentation (accountant letter, BAS statements, or business bank statements). Up to 80% LVR.",
    "brand": "Mortgage Choice Freedom",
    "brandName": "Mortgage Choice Freedom",
    "applicationUri": "https://mortgagechoice.athena.com.au",
    "isTailored": true,
    "additionalInformation": {
      "overviewUri": "https://mortgagechoice.athena.com.au/product-factsheet-broker",
      "termsUri": "https://mortgagechoice.athena.com.au/access-terms",
      "feesAndPricingUri": "https://mortgagechoice.athena.com.au/product-reference-rates",
      "eligibilityUri": "https://mortgagechoice.athena.com.au/tailored-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": "2500000.00",
        "additionalInfo": "Maximum loan amount $2,500,000"
      },
      {
        "constraintType": "MAX_LVR",
        "additionalValue": "0.80",
        "additionalInfo": "Maximum LVR 80%"
      }
    ],
    "eligibility": [
      {
        "eligibilityType": "NATURAL_PERSON"
      },
      {
        "eligibilityType": "MIN_AGE",
        "additionalValue": "18",
        "additionalInfo": "Minimum age 18 years"
      },
      {
        "eligibilityType": "RESIDENCY_STATUS",
        "additionalValue": "Australian citizen or permanent resident"
      },
      {
        "eligibilityType": "EMPLOYMENT_STATUS",
        "additionalValue": "Self-employed",
        "additionalInfo": "Self-employed borrowers with minimum 2 years in business"
      },
      {
        "eligibilityType": "OTHER",
        "additionalInfo": "Lending criteria and T&Cs apply"
      }
    ],
    "fees": [
      {
        "name": "Application Fee",
        "feeType": "UPFRONT",
        "feeMethodUType": "rateBased",
        "currency": "AUD",
        "rateBased": {
          "rateType": "BALANCE",
          "rate": "0.0050"
        },
        "additionalInfo": "0.50% of loan amount, plus an additional 0.25% if loan amount is greater than $2,000,000"
      },
      {
        "name": "Valuation Fee",
        "feeType": "UPFRONT",
        "feeMethodUType": "variable",
        "currency": "AUD",
        "additionalInfo": "First $200 free, then 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": "599.00"
        }
      },
      {
        "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": "0.0679",
        "applicationType": "PERIODIC",
        "comparisonRate": "0.0687",
        "calculationFrequency": "P1D",
        "applicationFrequency": "P1M",
        "interestPaymentDue": "IN_ARREARS",
        "repaymentType": "PRINCIPAL_AND_INTEREST",
        "loanPurpose": "OWNER_OCCUPIED",
        "tiers": [
          {
            "name": "LVR ≤50%",
            "unitOfMeasure": "PERCENT",
            "minimumValue": "0",
            "maximumValue": "50",
            "rateApplicationMethod": "WHOLE_BALANCE"
          }
        ]
      },
      {
        "lendingRateType": "VARIABLE",
        "rate": "0.0684",
        "applicationType": "PERIODIC",
        "comparisonRate": "0.0692",
        "calculationFrequency": "P1D",
        "applicationFrequency": "P1M",
        "interestPaymentDue": "IN_ARREARS",
        "repaymentType": "PRINCIPAL_AND_INTEREST",
        "loanPurpose": "OWNER_OCCUPIED",
        "tiers": [
          {
            "name": "LVR ≤60%",
            "unitOfMeasure": "PERCENT",
            "minimumValue": "50.01",
            "maximumValue": "60",
            "rateApplicationMethod": "WHOLE_BALANCE"
          }
        ]
      },
      {
        "lendingRateType": "VARIABLE",
        "rate": "0.0689",
        "applicationType": "PERIODIC",
        "comparisonRate": "0.0697",
        "calculationFrequency": "P1D",
        "applicationFrequency": "P1M",
        "interestPaymentDue": "IN_ARREARS",
        "repaymentType": "PRINCIPAL_AND_INTEREST",
        "loanPurpose": "OWNER_OCCUPIED",
        "tiers": [
          {
            "name": "LVR ≤70%",
            "unitOfMeasure": "PERCENT",
            "minimumValue": "60.01",
            "maximumValue": "70",
            "rateApplicationMethod": "WHOLE_BALANCE"
          }
        ]
      },
      {
        "lendingRateType": "VARIABLE",
        "rate": "0.0694",
        "applicationType": "PERIODIC",
        "comparisonRate": "0.0702",
        "calculationFrequency": "P1D",
        "applicationFrequency": "P1M",
        "interestPaymentDue": "IN_ARREARS",
        "repaymentType": "PRINCIPAL_AND_INTEREST",
        "loanPurpose": "OWNER_OCCUPIED",
        "tiers": [
          {
            "name": "LVR ≤80%",
            "unitOfMeasure": "PERCENT",
            "minimumValue": "70.01",
            "maximumValue": "80",
            "rateApplicationMethod": "WHOLE_BALANCE"
          }
        ]
      },
      {
        "lendingRateType": "VARIABLE",
        "rate": "0.0699",
        "applicationType": "PERIODIC",
        "comparisonRate": "0.0695",
        "calculationFrequency": "P1D",
        "applicationFrequency": "P1M",
        "interestPaymentDue": "IN_ARREARS",
        "repaymentType": "INTEREST_ONLY",
        "loanPurpose": "OWNER_OCCUPIED",
        "tiers": [
          {
            "name": "LVR ≤50%",
            "unitOfMeasure": "PERCENT",
            "minimumValue": "0",
            "maximumValue": "50",
            "rateApplicationMethod": "WHOLE_BALANCE"
          }
        ]
      },
      {
        "lendingRateType": "VARIABLE",
        "rate": "0.0704",
        "applicationType": "PERIODIC",
        "comparisonRate": "0.0700",
        "calculationFrequency": "P1D",
        "applicationFrequency": "P1M",
        "interestPaymentDue": "IN_ARREARS",
        "repaymentType": "INTEREST_ONLY",
        "loanPurpose": "OWNER_OCCUPIED",
        "tiers": [
          {
            "name": "LVR ≤60%",
            "unitOfMeasure": "PERCENT",
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            "maximumValue": "60",
            "rateApplicationMethod": "WHOLE_BALANCE"
          }
        ]
      },
      {
        "lendingRateType": "VARIABLE",
        "rate": "0.0709",
        "applicationType": "PERIODIC",
        "comparisonRate": "0.0705",
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        "applicationFrequency": "P1M",
        "interestPaymentDue": "IN_ARREARS",
        "repaymentType": "INTEREST_ONLY",
        "loanPurpose": "OWNER_OCCUPIED",
        "tiers": [
          {
            "name": "LVR ≤70%",
            "unitOfMeasure": "PERCENT",
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            "maximumValue": "70",
            "rateApplicationMethod": "WHOLE_BALANCE"
          }
        ]
      },
      {
        "lendingRateType": "VARIABLE",
        "rate": "0.0714",
        "applicationType": "PERIODIC",
        "comparisonRate": "0.0710",
        "calculationFrequency": "P1D",
        "applicationFrequency": "P1M",
        "interestPaymentDue": "IN_ARREARS",
        "repaymentType": "INTEREST_ONLY",
        "loanPurpose": "OWNER_OCCUPIED",
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          {
            "name": "LVR ≤80%",
            "unitOfMeasure": "PERCENT",
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            "maximumValue": "80",
            "rateApplicationMethod": "WHOLE_BALANCE"
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        ]
      },
      {
        "lendingRateType": "VARIABLE",
        "rate": "0.0699",
        "applicationType": "PERIODIC",
        "comparisonRate": "0.0707",
        "calculationFrequency": "P1D",
        "applicationFrequency": "P1M",
        "interestPaymentDue": "IN_ARREARS",
        "repaymentType": "PRINCIPAL_AND_INTEREST",
        "loanPurpose": "INVESTMENT",
        "tiers": [
          {
            "name": "LVR ≤50%",
            "unitOfMeasure": "PERCENT",
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      {
        "lendingRateType": "VARIABLE",
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        "applicationType": "PERIODIC",
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        "applicationFrequency": "P1M",
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        "loanPurpose": "INVESTMENT",
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        "lendingRateType": "VARIABLE",
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    ]
  }
}