{
  "source": "https://public.open.australianmilitarybank.com.au/cds-au/v1/banking/products/da9f3260-8d3c-40db-b1d3-aad2f574cae7",
  "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": "The Australian Military Bank Construction Loan is perfect for those wanting to build or renovate their homes. With interest only repayments to help you save during the construction period, our Construction Loan helps you to relax during this often stressful time.\n\nThe Construction Home Loan is also available for DHOAS eligible applicants",
    "isTailored": false,
    "lastUpdated": "2026-06-24T20:00:03.129033Z",
    "name": "Construction Loan",
    "productCategory": "RESIDENTIAL_MORTGAGES",
    "productId": "da9f3260-8d3c-40db-b1d3-aad2f574cae7",
    "additionalInformation": {
      "overviewUri": "https://www.australianmilitarybank.com.au/home-loans/construction-loan",
      "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": "2024-04-10T14:00:00Z",
    "effectiveTo": null,
    "bundles": [],
    "constraints": [
      {
        "constraintType": "MAX_LIMIT",
        "additionalInfo": null,
        "additionalInfoUri": null,
        "additionalValue": "5000000.00"
      },
      {
        "constraintType": "MIN_LIMIT",
        "additionalInfo": null,
        "additionalInfoUri": null,
        "additionalValue": "50000.00"
      },
      {
        "constraintType": "MAX_LVR",
        "additionalInfo": null,
        "additionalInfoUri": null,
        "additionalValue": "0.98"
      },
      {
        "constraintType": "MIN_LVR",
        "additionalInfo": null,
        "additionalInfoUri": null,
        "additionalValue": "0.00"
      },
      {
        "constraintType": "OTHER",
        "additionalInfo": "the minimum loan term for home loans is 8 years. \n",
        "additionalInfoUri": null,
        "additionalValue": null
      }
    ],
    "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": "OTHER",
        "additionalInfo": "Split Loan",
        "additionalInfoUri": null,
        "additionalValue": null,
        "isActivated": "UNKNOWN"
      },
      {
        "featureType": "LOYALTY_PROGRAM",
        "additionalInfo": null,
        "additionalInfoUri": null,
        "additionalValue": "Relationship Reward Program",
        "isActivated": "UNKNOWN"
      }
    ],
    "fees": [
      {
        "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": "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": "Construction Loan Drawdown fee",
        "additionalInfo": null,
        "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": "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": {
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        "variable": null,
        "feeCap": null,
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      },
      {
        "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": {
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        "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": "RateSaver Switch Fee",
        "additionalInfo": "+3rd party costs- To switch to a RateSaver Loan",
        "additionalInfoUri": null,
        "additionalValue": null,
        "currency": "AUD",
        "discounts": [],
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        },
        "rateBased": null,
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      {
        "feeType": "EVENT",
        "name": "Copies of statements (over 12 months) at branch or posted",
        "additionalInfo": "per page",
        "additionalInfoUri": null,
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        "currency": "AUD",
        "discounts": [],
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      },
      {
        "feeType": "EVENT",
        "name": "Copies of statements (up to 12 months) posted",
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        "additionalValue": null,
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        "discounts": [],
        "feeMethodUType": "fixedAmount",
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        "rateBased": null,
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        "feeCap": null,
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      },
      {
        "feeType": "EVENT",
        "name": "Mortgage discharge fee",
        "additionalInfo": "+ 3rd party costs ",
        "additionalInfoUri": null,
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        "currency": "AUD",
        "discounts": [],
        "feeMethodUType": "fixedAmount",
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        "rateBased": null,
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        "feeCap": null,
        "feeCapPeriod": null
      },
      {
        "feeType": "EVENT",
        "name": "Documentation re-issue fee",
        "additionalInfo": "+ 3rd party costs",
        "additionalInfoUri": null,
        "additionalValue": null,
        "currency": "AUD",
        "discounts": [],
        "feeMethodUType": "fixedAmount",
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          "amount": "100.00"
        },
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        "feeCapPeriod": null
      },
      {
        "feeType": "PERIODIC",
        "name": "Paper statement fee (per statement)",
        "additionalInfo": null,
        "additionalInfoUri": null,
        "additionalValue": "P3M",
        "currency": "AUD",
        "discounts": [],
        "feeMethodUType": "fixedAmount",
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        },
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      },
      {
        "feeType": "EVENT",
        "name": "Copies of statements (up to 12 months) at branch",
        "additionalInfo": null,
        "additionalInfoUri": null,
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        "currency": "AUD",
        "discounts": [],
        "feeMethodUType": "fixedAmount",
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          "amount": "2.50"
        },
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        "feeCapPeriod": null
      },
      {
        "feeType": "EVENT",
        "name": "Consent fee",
        "additionalInfo": "For 2nd or subsequent mortgages or lease registration",
        "additionalInfoUri": null,
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        "currency": "AUD",
        "discounts": [],
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "250.00"
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        "rateBased": null,
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      },
      {
        "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,
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        "currency": "AUD",
        "discounts": [],
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    ],
    "lendingRates": [
      {
        "lendingRateType": "VARIABLE",
        "rate": "0.0679",
        "additionalInfo": null,
        "additionalInfoUri": null,
        "additionalValue": null,
        "applicationFrequency": "P1M",
        "calculationFrequency": "P1D",
        "comparisonRate": "0.0682",
        "interestPaymentDue": "IN_ARREARS",
        "loanPurpose": "OWNER_OCCUPIED",
        "repaymentType": "INTEREST_ONLY",
        "tiers": [
          {
            "minimumValue": "0.00",
            "name": "LVR <=98%",
            "unitOfMeasure": "PERCENT",
            "additionalInfo": null,
            "additionalInfoUri": null,
            "applicabilityConditions": [],
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            "rateApplicationMethod": "WHOLE_BALANCE"
          }
        ],
        "applicabilityConditions": [],
        "applicationType": "PERIODIC"
      }
    ],
    "instalments": null
  }
}