{
  "source": "https://ob.tmbl.com.au/ambank/cds-au/v1/banking/products/d0470bb6-451b-11f1-8b0f-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": "d0470bb6-451b-11f1-8b0f-325096b39f47",
    "lastUpdated": "2026-07-13T17:12:21.000+10:00",
    "productCategory": "BUSINESS_LOANS",
    "name": "Fixed Principal & Interest Commercial Lending",
    "description": "Flexibly structure and manage your business loan with Commercial Lending",
    "brand": "AMB",
    "brandName": "Australian Mutual Bank",
    "applicationUri": "https://australianmutual.bank/business/loans/business-loans/#enquire",
    "isTailored": false,
    "additionalInformation": {
      "overviewUri": "https://australianmutual.bank/business/loans/business-loans/",
      "termsUri": "https://australianmutual.bank/business/loans/business-loans/",
      "eligibilityUri": "https://australianmutual.bank/business/loans/business-loans/",
      "feesAndPricingUri": "https://australianmutual.bank/media/4629/ambl_feeschargesandtransactionlimits_25-nov25.pdf"
    },
    "features": [
      {
        "featureType": "OTHER",
        "additionalInfo": "No monthly account keeping fees"
      },
      {
        "featureType": "OTHER",
        "additionalInfo": "Max 30 years"
      },
      {
        "featureType": "OTHER",
        "additionalInfo": "Weekly, fortnightly,monthly repayments"
      },
      {
        "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": "No fee for early repayment"
      },
      {
        "featureType": "DIGITAL_BANKING",
        "additionalInfo": "24/7 access via internet banking and mobile app"
      },
      {
        "featureType": "OTHER",
        "additionalInfo": "Ability to make lump sum payments"
      }
    ],
    "constraints": [
      {
        "constraintType": "MIN_LIMIT",
        "additionalValue": "1000.00",
        "additionalInfo": "Minimum loan amount is $1,000.",
        "additionalInfoUri": "https://australianmutual.bank/business/loans/business-loans#Text-1f8f0-Features"
      },
      {
        "constraintType": "MAX_LIMIT",
        "additionalValue": "10000000.00",
        "additionalInfo": "Maximum loan amount is $10,000,000.00"
      }
    ],
    "eligibility": [
      {
        "eligibilityType": "OTHER",
        "additionalInfo": "You must be a member.",
        "additionalInfoUri": "https://australianmutual.bank/about-us/become-a-member/"
      },
      {
        "eligibilityType": "RESIDENCY_STATUS",
        "additionalValue": "Individuals must be citizens of permanent residents of Australia.",
        "additionalInfoUri": "https://australianmutual.bank/about-us/become-a-member/"
      },
      {
        "eligibilityType": "NATURAL_PERSON"
      },
      {
        "eligibilityType": "MIN_AGE",
        "additionalValue": "18",
        "additionalInfoUri": "https://australianmutual.bank/about-us/become-a-member/"
      },
      {
        "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": "BUSINESS_LOAN_APPLICATION_FEE",
        "feeType": "UPFRONT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "250.00"
        },
        "currency": "AUD",
        "additionalInfo": "For amounts under $35,000"
      },
      {
        "name": "BUSINESS_LOAN_APPLICATION_FEE_-_OVER_$35,000,_BUT_UNDER_$300,000",
        "feeType": "UPFRONT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "650.00"
        },
        "currency": "AUD",
        "additionalInfo": "For amount of $35,000, but under $300,000"
      },
      {
        "name": "BUSINESS_LOAN_APPLICATION_FEE_-_EQUAL_OR_LARGER_THAN_$300,000",
        "feeType": "UPFRONT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "1500.00"
        },
        "currency": "AUD",
        "additionalInfo": "For amounts equal or larger than $300,000"
      },
      {
        "name": "GENERAL_CONSENT_FEE",
        "feeType": "EVENT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "250.00"
        },
        "currency": "AUD"
      },
      {
        "name": "CONSENT_TO_SUBDIVISION",
        "feeType": "EVENT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "250.00"
        },
        "currency": "AUD"
      },
      {
        "name": "SECOND_MORTGAGE_CONSENT_FEE",
        "feeType": "EVENT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "250.00"
        },
        "currency": "AUD",
        "additionalInfo": "Commercial Loans"
      },
      {
        "name": "SUBSTITUTION_OF_SECURITY_FEE",
        "feeType": "EVENT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "250.00"
        },
        "currency": "AUD"
      },
      {
        "name": "DISCHARGE_OF_MORTGAGE_ADMIN_FEE",
        "feeType": "EXIT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "250.00"
        },
        "currency": "AUD"
      },
      {
        "name": "COMMERCIAL_DOCUMENTATION_FEE",
        "feeType": "UPFRONT",
        "feeMethodUType": "variable",
        "variable": {
          "feeMinimum": "0.00",
          "feeMaximum": "9999999.00"
        },
        "currency": "AUD"
      },
      {
        "name": "COMPANY_SEARCH",
        "feeType": "UPFRONT",
        "feeMethodUType": "variable",
        "variable": {
          "feeMinimum": "0.00",
          "feeMaximum": "9999999.00"
        },
        "currency": "AUD",
        "additionalInfo": "Company Search (included at account opening)"
      },
      {
        "name": "GUARANTEE_ISSUING_FEE",
        "feeType": "UPFRONT",
        "feeMethodUType": "variable",
        "variable": {
          "feeMinimum": "0.00",
          "feeMaximum": "9999999.00"
        },
        "currency": "AUD"
      }
    ],
    "lendingRates": [
      {
        "lendingRateType": "FIXED",
        "rate": "0.0759",
        "calculationFrequency": "P1D",
        "applicationType": "PERIODIC",
        "applicationFrequency": "P1M",
        "interestPaymentDue": "IN_ARREARS",
        "repaymentType": "PRINCIPAL_AND_INTEREST",
        "loanPurpose": "OTHER",
        "tiers": [
          {
            "name": "Commercial Fixed",
            "unitOfMeasure": "DOLLAR",
            "minimumValue": "1000.00",
            "maximumValue": "10000000.00",
            "rateApplicationMethod": "WHOLE_BALANCE",
            "additionalInfo": "1 Year Fixed Principal & Interest"
          }
        ],
        "additionalValue": "P1Y"
      },
      {
        "lendingRateType": "FIXED",
        "rate": "0.0769",
        "calculationFrequency": "P1D",
        "applicationType": "PERIODIC",
        "applicationFrequency": "P1M",
        "interestPaymentDue": "IN_ARREARS",
        "repaymentType": "PRINCIPAL_AND_INTEREST",
        "loanPurpose": "OTHER",
        "tiers": [
          {
            "name": "Commercial Fixed",
            "unitOfMeasure": "DOLLAR",
            "minimumValue": "1000.00",
            "maximumValue": "10000000.00",
            "rateApplicationMethod": "WHOLE_BALANCE",
            "additionalInfo": "2 Year Fixed Principal & Interest"
          }
        ],
        "additionalValue": "P2Y"
      },
      {
        "lendingRateType": "FIXED",
        "rate": "0.0779",
        "calculationFrequency": "P1D",
        "applicationType": "PERIODIC",
        "applicationFrequency": "P1M",
        "interestPaymentDue": "IN_ARREARS",
        "repaymentType": "PRINCIPAL_AND_INTEREST",
        "loanPurpose": "OTHER",
        "tiers": [
          {
            "name": "Commercial Fixed",
            "unitOfMeasure": "DOLLAR",
            "minimumValue": "1000.00",
            "maximumValue": "10000000.00",
            "rateApplicationMethod": "WHOLE_BALANCE",
            "additionalInfo": "3 Year Fixed Principal & Interest"
          }
        ],
        "additionalValue": "P3Y"
      },
      {
        "lendingRateType": "FIXED",
        "rate": "0.0789",
        "calculationFrequency": "P1D",
        "applicationType": "PERIODIC",
        "applicationFrequency": "P1M",
        "interestPaymentDue": "IN_ARREARS",
        "repaymentType": "PRINCIPAL_AND_INTEREST",
        "loanPurpose": "OTHER",
        "tiers": [
          {
            "name": "Commercial Fixed",
            "unitOfMeasure": "DOLLAR",
            "minimumValue": "1000.00",
            "maximumValue": "10000000.00",
            "rateApplicationMethod": "WHOLE_BALANCE",
            "additionalInfo": "4 Year Fixed Principal & Interest"
          }
        ],
        "additionalValue": "P4Y"
      },
      {
        "lendingRateType": "FIXED",
        "rate": "0.0794",
        "calculationFrequency": "P1D",
        "applicationType": "PERIODIC",
        "applicationFrequency": "P1M",
        "interestPaymentDue": "IN_ARREARS",
        "repaymentType": "PRINCIPAL_AND_INTEREST",
        "loanPurpose": "OTHER",
        "tiers": [
          {
            "name": "Commercial Fixed",
            "unitOfMeasure": "DOLLAR",
            "minimumValue": "1000.00",
            "maximumValue": "10000000.00",
            "rateApplicationMethod": "WHOLE_BALANCE",
            "additionalInfo": "5 Year Fixed Principal & Interest"
          }
        ],
        "additionalValue": "P5Y"
      }
    ]
  }
}