{
  "source": "https://public.open.australianmilitarybank.com.au/cds-au/v1/banking/products/8626a986-1def-4e91-a860-0dc791eae729",
  "note": "Product Reference Data published by the data holder under the Consumer Data Right, as cached by this site (refreshed every 6 hours).",
  "data": {
    "brand": "AMB",
    "description": "A Fixed Rate Home Loan gives you the best of both worlds - peace of mind with the certainty of fixed rates, without being locked in for a long period of time, available for DHOAS eligible applicants.",
    "isTailored": false,
    "lastUpdated": "2026-07-10T05:45:57.874422Z",
    "name": "DHOAS 5 Year Fixed Rate Home Loan",
    "productCategory": "RESIDENTIAL_MORTGAGES",
    "productId": "8626a986-1def-4e91-a860-0dc791eae729",
    "additionalInformation": {
      "overviewUri": "https://www.australianmilitarybank.com.au//products/dhoas-5-year-fixed-rate",
      "termsUri": null,
      "eligibilityUri": null,
      "feesAndPricingUri": "https://www.australianmilitarybank.com.au/disclosuredocuments",
      "bundleUri": null,
      "additionalOverviewUris": null,
      "additionalTermsUris": null,
      "additionalEligibilityUris": null,
      "additionalFeesAndPricingUris": null,
      "additionalBundleUris": null
    },
    "applicationUri": "https://amb-aip.simpology.com.au/",
    "brandName": "AMB Bank Product ",
    "brandGroup": null,
    "cardArt": [],
    "effectiveFrom": "2024-09-23T14:00:00Z",
    "effectiveTo": null,
    "bundles": [],
    "constraints": [
      {
        "constraintType": "MIN_LIMIT",
        "additionalInfo": null,
        "additionalInfoUri": null,
        "additionalValue": "150000.00"
      },
      {
        "constraintType": "MAX_LIMIT",
        "additionalInfo": null,
        "additionalInfoUri": null,
        "additionalValue": "5000000.00"
      },
      {
        "constraintType": "MIN_LVR",
        "additionalInfo": null,
        "additionalInfoUri": null,
        "additionalValue": "0.00"
      },
      {
        "constraintType": "MAX_LVR",
        "additionalInfo": null,
        "additionalInfoUri": null,
        "additionalValue": "0.98"
      },
      {
        "constraintType": "OTHER",
        "additionalInfo": "the minimum loan term for home loans is 8 years. \n",
        "additionalInfoUri": null,
        "additionalValue": null
      },
      {
        "constraintType": "OTHER",
        "additionalInfo": "Rate lock available for fixed rate home loans (owner-occupied and investment) if requested prior to formal approval.",
        "additionalInfoUri": null,
        "additionalValue": "Rate Lock"
      },
      {
        "constraintType": "OTHER",
        "additionalInfo": "Rate lock available for fixed rate home loans (owner-occupied and investment) if requested prior to formal approval.",
        "additionalInfoUri": null,
        "additionalValue": "Rate Lock"
      }
    ],
    "depositRates": [],
    "eligibility": [
      {
        "eligibilityType": "MIN_AGE",
        "additionalInfo": null,
        "additionalInfoUri": null,
        "additionalValue": "18"
      },
      {
        "eligibilityType": "RESIDENCY_STATUS",
        "additionalInfo": null,
        "additionalInfoUri": null,
        "additionalValue": "Individuals must be citizens or permanent residents of Australia."
      },
      {
        "eligibilityType": "NATURAL_PERSON",
        "additionalInfo": null,
        "additionalInfoUri": null,
        "additionalValue": null
      },
      {
        "eligibilityType": "EMPLOYMENT_STATUS",
        "additionalInfo": null,
        "additionalInfoUri": null,
        "additionalValue": "Applicants must be currently employed or receiving a regular income. Self employed clients should contact the Bank prior to applying"
      }
    ],
    "features": [
      {
        "featureType": "EXTRA_REPAYMENTS",
        "additionalInfo": null,
        "additionalInfoUri": null,
        "additionalValue": null,
        "isActivated": "UNKNOWN"
      },
      {
        "featureType": "LOYALTY_PROGRAM",
        "additionalInfo": null,
        "additionalInfoUri": null,
        "additionalValue": "Relationship Reward Program",
        "isActivated": "UNKNOWN"
      },
      {
        "featureType": "OTHER",
        "additionalInfo": "Split Loan",
        "additionalInfoUri": null,
        "additionalValue": null,
        "isActivated": "UNKNOWN"
      }
    ],
    "fees": [
      {
        "feeType": "EVENT",
        "name": "Mortgage discharge fee",
        "additionalInfo": "+ 3rd party costs ",
        "additionalInfoUri": null,
        "additionalValue": null,
        "currency": "AUD",
        "discounts": [],
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "120.00"
        },
        "rateBased": null,
        "variable": null,
        "feeCap": null,
        "feeCapPeriod": null
      },
      {
        "feeType": "EVENT",
        "name": "Consent fee",
        "additionalInfo": "For 2nd or subsequent mortgages or lease registration",
        "additionalInfoUri": null,
        "additionalValue": null,
        "currency": "AUD",
        "discounts": [],
        "feeMethodUType": "fixedAmount",
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        },
        "rateBased": null,
        "variable": null,
        "feeCap": null,
        "feeCapPeriod": null
      },
      {
        "feeType": "EVENT",
        "name": "RateSaver Switch fee",
        "additionalInfo": "+ 3rd party costs -To switch to a RateSaver Loan",
        "additionalInfoUri": null,
        "additionalValue": null,
        "currency": "AUD",
        "discounts": [],
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
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        },
        "rateBased": null,
        "variable": null,
        "feeCap": null,
        "feeCapPeriod": null
      },
      {
        "feeType": "EVENT",
        "name": "Audit Certificate Fee",
        "additionalInfo": "Per audit certificate requested",
        "additionalInfoUri": null,
        "additionalValue": null,
        "currency": "AUD",
        "discounts": [],
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "50.00"
        },
        "rateBased": null,
        "variable": null,
        "feeCap": null,
        "feeCapPeriod": null
      },
      {
        "feeType": "EVENT",
        "name": "Property valuation fee",
        "additionalInfo": "At cost. Minimum is $250.00",
        "additionalInfoUri": null,
        "additionalValue": null,
        "currency": "AUD",
        "discounts": [],
        "feeMethodUType": "variable",
        "fixedAmount": null,
        "rateBased": null,
        "variable": {
          "feeMinimum": "250.00",
          "feeMaximum": null
        },
        "feeCap": null,
        "feeCapPeriod": null
      },
      {
        "feeType": "EVENT",
        "name": "Arrears notice fee",
        "additionalInfo": "2nd and subsequent reminders by letter or phone",
        "additionalInfoUri": null,
        "additionalValue": null,
        "currency": "AUD",
        "discounts": [],
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "20.00"
        },
        "rateBased": null,
        "variable": null,
        "feeCap": null,
        "feeCapPeriod": null
      },
      {
        "feeType": "EVENT",
        "name": "Switch/variation fee - home & investment loans",
        "additionalInfo": "+ 3rd party costs-To switch or vary home loans (other than switching to RateSaver)",
        "additionalInfoUri": null,
        "additionalValue": null,
        "currency": "AUD",
        "discounts": [],
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
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        },
        "rateBased": null,
        "variable": null,
        "feeCap": null,
        "feeCapPeriod": null
      },
      {
        "feeType": "EVENT",
        "name": "Legal Fees",
        "additionalInfo": "At cost",
        "additionalInfoUri": null,
        "additionalValue": null,
        "currency": "AUD",
        "discounts": [],
        "feeMethodUType": "variable",
        "fixedAmount": null,
        "rateBased": null,
        "variable": {
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          "feeMaximum": null
        },
        "feeCap": null,
        "feeCapPeriod": null
      },
      {
        "feeType": "UPFRONT",
        "name": "Fixed Rate Lock fee ",
        "additionalInfo": null,
        "additionalInfoUri": null,
        "additionalValue": null,
        "currency": "AUD",
        "discounts": [],
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "750.00"
        },
        "rateBased": null,
        "variable": null,
        "feeCap": null,
        "feeCapPeriod": null
      },
      {
        "feeType": "PERIODIC",
        "name": "Paper statement fee (per statement)",
        "additionalInfo": null,
        "additionalInfoUri": null,
        "additionalValue": "P3M",
        "currency": "AUD",
        "discounts": [],
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "2.00"
        },
        "rateBased": null,
        "variable": null,
        "feeCap": null,
        "feeCapPeriod": null
      },
      {
        "feeType": "EVENT",
        "name": "Copies of statements (up to 12 months) posted",
        "additionalInfo": "per page",
        "additionalInfoUri": null,
        "additionalValue": null,
        "currency": "AUD",
        "discounts": [],
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "1.00"
        },
        "rateBased": null,
        "variable": null,
        "feeCap": null,
        "feeCapPeriod": null
      },
      {
        "feeType": "UPFRONT",
        "name": "Processing fee",
        "additionalInfo": null,
        "additionalInfoUri": null,
        "additionalValue": null,
        "currency": "AUD",
        "discounts": [],
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "450.00"
        },
        "rateBased": null,
        "variable": null,
        "feeCap": null,
        "feeCapPeriod": null
      },
      {
        "feeType": "EVENT",
        "name": "Default notice fee",
        "additionalInfo": "Payable when a notice is issued regarding a default under the contract",
        "additionalInfoUri": null,
        "additionalValue": null,
        "currency": "AUD",
        "discounts": [],
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "30.00"
        },
        "rateBased": null,
        "variable": null,
        "feeCap": null,
        "feeCapPeriod": null
      },
      {
        "feeType": "EVENT",
        "name": "Copies of statements (over 12 months) at branch or posted",
        "additionalInfo": "per page",
        "additionalInfoUri": null,
        "additionalValue": null,
        "currency": "AUD",
        "discounts": [],
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "5.00"
        },
        "rateBased": null,
        "variable": null,
        "feeCap": null,
        "feeCapPeriod": null
      },
      {
        "feeType": "EVENT",
        "name": "Copies of statements (up to 12 months) at branch",
        "additionalInfo": null,
        "additionalInfoUri": null,
        "additionalValue": null,
        "currency": "AUD",
        "discounts": [],
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "2.50"
        },
        "rateBased": null,
        "variable": null,
        "feeCap": null,
        "feeCapPeriod": null
      },
      {
        "feeType": "EVENT",
        "name": "Archive retrieval fee",
        "additionalInfo": "A $50 hourly fee applies plus any expenses incurred",
        "additionalInfoUri": null,
        "additionalValue": null,
        "currency": "AUD",
        "discounts": [],
        "feeMethodUType": "variable",
        "fixedAmount": null,
        "rateBased": null,
        "variable": {
          "feeMinimum": "50.00",
          "feeMaximum": null
        },
        "feeCap": null,
        "feeCapPeriod": null
      },
      {
        "feeType": "EVENT",
        "name": "Documentation re-issue fee ",
        "additionalInfo": "+ 3rd party costs",
        "additionalInfoUri": null,
        "additionalValue": null,
        "currency": "AUD",
        "discounts": [],
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "100.00"
        },
        "rateBased": null,
        "variable": null,
        "feeCap": null,
        "feeCapPeriod": null
      },
      {
        "feeType": "EVENT",
        "name": "Fixed Rate Prepayment Cost",
        "additionalInfo": "Payable if you repay your fixed rate loan in full before the fixed interest rate period expires; or make partial prepayments greater than $10,000 in any year of the fixed rate period. The prepayment cost is calculated and will be advised when the prepayment is  made on your fixed rate loan.",
        "additionalInfoUri": null,
        "additionalValue": null,
        "currency": "AUD",
        "discounts": [],
        "feeMethodUType": "variable",
        "fixedAmount": null,
        "rateBased": null,
        "variable": {
          "feeMinimum": "0.00",
          "feeMaximum": null
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        "feeCap": null,
        "feeCapPeriod": null
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    ],
    "lendingRates": [
      {
        "lendingRateType": "FIXED",
        "rate": "0.0649",
        "additionalInfo": null,
        "additionalInfoUri": null,
        "additionalValue": "P5Y",
        "applicationFrequency": "P1M",
        "calculationFrequency": "P1D",
        "comparisonRate": "0.0683",
        "interestPaymentDue": "IN_ARREARS",
        "loanPurpose": "OWNER_OCCUPIED",
        "repaymentType": "PRINCIPAL_AND_INTEREST",
        "tiers": [
          {
            "minimumValue": "0.00",
            "name": "LVR <=98% inc LMI",
            "unitOfMeasure": "PERCENT",
            "additionalInfo": null,
            "additionalInfoUri": null,
            "applicabilityConditions": [],
            "maximumValue": "0.98",
            "rateApplicationMethod": "WHOLE_BALANCE"
          }
        ],
        "applicabilityConditions": [],
        "applicationType": "PERIODIC"
      }
    ],
    "instalments": null
  }
}