{
  "source": "https://ob.tmbl.com.au/ambank/cds-au/v1/banking/products/08dfab12-1e71-11f1-96f0-325096b39f47",
  "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": "08dfab12-1e71-11f1-96f0-325096b39f47",
    "lastUpdated": "2026-07-12T18:45:33.000+10:00",
    "productCategory": "RESIDENTIAL_MORTGAGES",
    "name": "Your Way Fixed Rate Interest Only Home Loan",
    "description": "Stay in control with the ability to adapt your loan as your needs change. Lock in a rate for up to 5 years with our Interest only Fixed Rate option.",
    "brand": "AMB",
    "brandName": "Australian Mutual Bank",
    "applicationUri": "https://amblnowapply.loanworks.com.au/apply/home",
    "isTailored": false,
    "additionalInformation": {
      "overviewUri": "https://australianmutual.bank/loans/home-loans/your-way-owner-occupier-home-loan/",
      "termsUri": "https://australianmutual.bank/loans/home-loans/your-way-owner-occupier-home-loan/",
      "eligibilityUri": "https://australianmutual.bank/loans/home-loans/your-way-owner-occupier-home-loan/",
      "feesAndPricingUri": "https://australianmutual.bank/media/4629/ambl_feeschargesandtransactionlimits_25-nov25.pdf"
    },
    "features": [
      {
        "featureType": "OTHER",
        "additionalInfo": "Ability to split loan"
      },
      {
        "featureType": "OTHER",
        "additionalInfo": "Ability to switch in"
      },
      {
        "featureType": "OTHER",
        "additionalInfo": "Ability to Top Up"
      },
      {
        "featureType": "OTHER",
        "additionalInfo": "Borrow up to 90% of the property value prior to capitalisation of Lenders Mortgage Insurance"
      },
      {
        "featureType": "REDRAW",
        "additionalInfo": "A fee free redraw facility to access additional repayments you've made. Redraw is subject to application and registration."
      },
      {
        "featureType": "OTHER",
        "additionalInfo": "Flexible repayments"
      },
      {
        "featureType": "DIGITAL_BANKING",
        "additionalInfo": "24/7 access via internet banking, mobile app, phone banking"
      }
    ],
    "constraints": [
      {
        "constraintType": "MIN_LIMIT",
        "additionalValue": "25000.00",
        "additionalInfo": "Minimum loan amount is $25,000."
      },
      {
        "constraintType": "MIN_LVR",
        "additionalValue": "0.00",
        "additionalInfo": "Minimum LVR is 0%"
      },
      {
        "constraintType": "MAX_LVR",
        "additionalValue": "98.00",
        "additionalInfo": "Maximum LVR is 98%"
      }
    ],
    "eligibility": [
      {
        "eligibilityType": "OTHER",
        "additionalInfo": "You must be a member. Membership is open to current or retired employees of the Australian education sector or family members of members (i.e. shareholders) of the Bank.",
        "additionalInfoUri": "https://australianmutual.bank/forms/tmbl/membership-application/"
      },
      {
        "eligibilityType": "RESIDENCY_STATUS",
        "additionalValue": "Individuals must be citizens of permanent residents of Australia.",
        "additionalInfoUri": "https://australianmutual.bank/forms/tmbl/membership-application/"
      },
      {
        "eligibilityType": "NATURAL_PERSON"
      },
      {
        "eligibilityType": "MIN_AGE",
        "additionalValue": "18",
        "additionalInfoUri": "https://australianmutual.bank/forms/tmbl/membership-application/"
      },
      {
        "eligibilityType": "OTHER",
        "additionalInfo": "All applications for credit are subject to responsible lending criteria. Fees and charges apply. You can find our Consumer Lending terms and conditions online or from any of our offices."
      }
    ],
    "fees": [
      {
        "name": "ESTABLISHMENT_FEE",
        "feeType": "UPFRONT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "600.00"
        },
        "currency": "AUD",
        "additionalInfo": "Fee includes the cost of preparing standard documents, 1 automated valuation model or desktop valuation (Please note: if a Full Valuation is required, the Fee for Full Valuation is a separate fee.), 3 title searches and settlement attendance."
      },
      {
        "name": "MORTGAGE_DISCHARGE",
        "feeType": "EXIT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "250.00"
        },
        "currency": "AUD",
        "additionalInfo": "For preparation of discharge documentation on your written request. $250 in NSW and at cost in other states. At Cost."
      },
      {
        "name": "LOAN_VARIATION_FEE",
        "feeType": "EVENT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "200.00"
        },
        "currency": "AUD",
        "additionalInfo": "Payable when you apply to vary the terms of your loan. Payable when the variation is agreed between us."
      },
      {
        "name": "LEGAL_FEES",
        "feeType": "UPFRONT",
        "feeMethodUType": "variable",
        "variable": {
          "feeMinimum": "0.00",
          "feeMaximum": "9999999.00"
        },
        "currency": "AUD",
        "additionalInfo": "At cost. For third party professional services used in the preparation of non-standard documents. At Cost."
      },
      {
        "name": "LENDERS_MORTGAGE_INSURANCE",
        "feeType": "UPFRONT",
        "feeMethodUType": "variable",
        "variable": {
          "feeMinimum": "0.00",
          "feeMaximum": "9999999.00"
        },
        "currency": "AUD",
        "additionalInfo": "At cost. If you have less than the required deposit, we may ask you to pay Lender's Mortgage Insurance (LMI). LMI protects the bank in cases of default. The LMI premium is not a bank fee. At Cost."
      },
      {
        "name": "LOAN_ADMINISTRATION_FEE",
        "feeType": "UPFRONT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "250.00"
        },
        "currency": "AUD",
        "additionalInfo": "Payable for the processing and assessing of your home loan application and the preparation of your loan. Payable at the time of settlement/funding of your loan."
      },
      {
        "name": "COLLECTION_CHARGES",
        "feeType": "OTHER",
        "feeMethodUType": "variable",
        "variable": {
          "feeMinimum": "0.00",
          "feeMaximum": "9999999.00"
        },
        "currency": "AUD",
        "additionalInfo": "At cost. Payable when we request an agent to assist our efforts to address defaults under your contract before we can commence legal action. At Cost."
      },
      {
        "name": "STAMP_DUTY",
        "feeType": "UPFRONT",
        "feeMethodUType": "variable",
        "variable": {
          "feeMinimum": "0.00",
          "feeMaximum": "9999999.00"
        },
        "currency": "AUD",
        "additionalInfo": "At cost. A government charge payable to State revenue office when we need to stamp your mortgage to accommodate credit provided under this contract at the amount payable under the relevant stamp duty scale. At Cost."
      },
      {
        "name": "FIXED_RATE_LOCK_FEE",
        "feeType": "UPFRONT",
        "feeMethodUType": "rateBased",
        "rateBased": {
          "rateType": "BALANCE",
          "rate": "0.0015"
        },
        "currency": "AUD",
        "additionalInfo": "Payable if you choose to lock in an interest rate on your fixed rate loan. The interest rate is locked in for a period of up to 90 days from the date of application. The fee is applicable regardless of whether the interest rate at time of settlement has increased or decreased since the date of application. 0.10% of the total amount financed."
      }
    ],
    "lendingRates": [
      {
        "lendingRateType": "FIXED",
        "rate": "0.0674",
        "comparisonRate": "0.0622",
        "calculationFrequency": "P1D",
        "applicationType": "PERIODIC",
        "applicationFrequency": "P1M",
        "interestPaymentDue": "IN_ARREARS",
        "repaymentType": "INTEREST_ONLY",
        "loanPurpose": "OWNER_OCCUPIED",
        "additionalValue": "P1Y",
        "additionalInfo": "Fixed Rate for 1 year. Comparison rates quoted are based on $150,000 for a term of 25 years. Rates apply to secured loans only. WARNING: This Comparison rate is true only for the examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different Comparison rate"
      },
      {
        "lendingRateType": "FIXED",
        "rate": "0.0684",
        "comparisonRate": "0.063",
        "calculationFrequency": "P1D",
        "applicationType": "PERIODIC",
        "applicationFrequency": "P1M",
        "interestPaymentDue": "IN_ARREARS",
        "repaymentType": "INTEREST_ONLY",
        "loanPurpose": "OWNER_OCCUPIED",
        "additionalValue": "P2Y",
        "additionalInfo": "Fixed Rate for 2 years. Comparison rates quoted are based on $150,000 for a term of 25 years. Rates apply to secured loans only. WARNING: This Comparison rate is true only for the examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different Comparison rate"
      },
      {
        "lendingRateType": "FIXED",
        "rate": "0.0694",
        "comparisonRate": "0.0639",
        "calculationFrequency": "P1D",
        "applicationType": "PERIODIC",
        "applicationFrequency": "P1M",
        "interestPaymentDue": "IN_ARREARS",
        "repaymentType": "INTEREST_ONLY",
        "loanPurpose": "OWNER_OCCUPIED",
        "additionalValue": "P3Y",
        "additionalInfo": "Fixed Rate for 3 years. Comparison rates quoted are based on $150,000 for a term of 25 years. Rates apply to secured loans only. WARNING: This Comparison rate is true only for the examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different Comparison rate"
      },
      {
        "lendingRateType": "FIXED",
        "rate": "0.0704",
        "comparisonRate": "0.0649",
        "calculationFrequency": "P1D",
        "applicationType": "PERIODIC",
        "applicationFrequency": "P1M",
        "interestPaymentDue": "IN_ARREARS",
        "repaymentType": "INTEREST_ONLY",
        "loanPurpose": "OWNER_OCCUPIED",
        "additionalValue": "P4Y",
        "additionalInfo": "Fixed Rate for 4 years. Comparison rates quoted are based on $150,000 for a term of 25 years. Rates apply to secured loans only. WARNING: This Comparison rate is true only for the examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different Comparison rate"
      },
      {
        "lendingRateType": "FIXED",
        "rate": "0.0709",
        "comparisonRate": "0.0658",
        "calculationFrequency": "P1D",
        "applicationType": "PERIODIC",
        "applicationFrequency": "P1M",
        "interestPaymentDue": "IN_ARREARS",
        "repaymentType": "INTEREST_ONLY",
        "loanPurpose": "OWNER_OCCUPIED",
        "additionalValue": "P5Y",
        "additionalInfo": "Fixed Rate for 5 years. Comparison rates quoted are based on $150,000 for a term of 25 years. Rates apply to secured loans only. WARNING: This Comparison rate is true only for the examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different Comparison rate"
      }
    ]
  }
}