{
  "source": "https://api.auswidebank.com.au/openbanking/cds-au/v1/banking/products/524add2a-ea86-4639-b084-abde1082801e",
  "note": "Product Reference Data published by the data holder under the Consumer Data Right, as cached by this site (refreshed every 6 hours).",
  "data": {
    "features": [
      {
        "featureType": "REDRAW"
      },
      {
        "featureType": "BILL_PAYMENT",
        "additionalValue": "BPAY"
      },
      {
        "featureType": "NPP_ENABLED"
      },
      {
        "featureType": "NPP_PAYID"
      },
      {
        "featureType": "EXTRA_REPAYMENTS"
      }
    ],
    "constraints": [
      {
        "constraintType": "MAX_BALANCE",
        "additionalValue": "3500000.00"
      },
      {
        "constraintType": "MIN_BALANCE",
        "additionalValue": "50000.00"
      },
      {
        "constraintType": "MAX_LVR",
        "additionalValue": "0.90",
        "additionalInfo": "LVR up to 90% for Owner Occupied loans. LVR up to 90% for Investment loans"
      }
    ],
    "eligibility": [
      {
        "eligibilityType": "MIN_AGE",
        "additionalValue": "18"
      },
      {
        "eligibilityType": "MAX_AGE",
        "additionalValue": "75"
      },
      {
        "eligibilityType": "NATURAL_PERSON",
        "additionalInfo": "Available for personal use only."
      }
    ],
    "fees": [
      {
        "name": "ESTABLISHMENT_FEE_-_BASIC_HOME_LOAN",
        "feeType": "UPFRONT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "300.00"
        },
        "currency": "AUD",
        "additionalInfo": "To cover our costs associated with establishing your loan",
        "additionalInfoUri": "https://auswidebank.com.au/help/resources/fees-and-charges/"
      },
      {
        "name": "PRINCIPAL_INCREASE_FEE_-_HOME_LOAN",
        "feeType": "EVENT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "300.00"
        },
        "currency": "AUD",
        "additionalInfo": "Payable when we process your request to increase the principal amount of your loan. Waived for Freedom Package loans",
        "additionalInfoUri": "https://auswidebank.com.au/help/resources/fees-and-charges/"
      },
      {
        "name": "PROGRESS_PAYMENT_FEE",
        "feeType": "EVENT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "450.00"
        },
        "currency": "AUD",
        "additionalInfo": "Payable on the first drawdown after settlement to cover the administration costs of progress payments for your construction or home renovation",
        "additionalInfoUri": "https://auswidebank.com.au/help/resources/fees-and-charges/"
      },
      {
        "name": "SETTLEMENT_FEE",
        "feeType": "EVENT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "100.00"
        },
        "currency": "AUD",
        "additionalInfo": "Payable when we process the settlement of your loan. Waived for Freedom Package loans",
        "additionalInfoUri": "https://auswidebank.com.au/help/resources/fees-and-charges/"
      },
      {
        "name": "VALUATION_FEE_-_NEW_LOANS_&_LOAN_INCREASES",
        "feeType": "CASH_ADVANCE",
        "feeMethodUType": "variable",
        "variable": {},
        "currency": "AUD",
        "additionalInfo": "Initial Valuation Fee included in Establishment Fee up to $300 (total per application). Initial Valuation Fee included in Package Fee up to $400 (total per application), subsequent Valuation Fees (eg. additional loans) included in Package Fee up to $300 (total per application).",
        "additionalInfoUri": "https://auswidebank.com.au/help/resources/fees-and-charges/"
      },
      {
        "name": "LENDERS_MORTGAGE_INSURANCE_PREMIUM",
        "feeType": "CASH_ADVANCE",
        "feeMethodUType": "variable",
        "variable": {},
        "currency": "AUD",
        "additionalInfo": "Premium varies according to the amount borrowed and the valuation of the secured property/s - an estimate will be provided after the security valuation is received",
        "additionalInfoUri": "https://auswidebank.com.au/help/resources/fees-and-charges/"
      },
      {
        "name": "PROPERTY_INSPECTION_FEE",
        "feeType": "CASH_ADVANCE",
        "feeMethodUType": "variable",
        "variable": {},
        "currency": "AUD",
        "additionalInfo": "Charged at Cost. Covers the cost of us arranging independent inspection on a property under construction or renovation.",
        "additionalInfoUri": "https://auswidebank.com.au/help/resources/fees-and-charges/"
      },
      {
        "name": "DOCUMENT_PREPARATION_COSTS_AND_THIRD_PARTY_COSTS",
        "feeType": "CASH_ADVANCE",
        "feeMethodUType": "variable",
        "variable": {},
        "currency": "AUD",
        "additionalInfo": "Charged at Cost. May apply where we need to engage external solicitors to prepare the mortgage documents. Covers the cost of documentation preparation, Government charges etc.",
        "additionalInfoUri": "https://auswidebank.com.au/help/resources/fees-and-charges/"
      },
      {
        "name": "BASIC_VARIATION_FEE",
        "feeType": "EVENT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "150.00"
        },
        "currency": "AUD",
        "additionalInfo": "Plus third party costs if applicable. Payable when we process your request to change or restructure your repayment",
        "additionalInfoUri": "https://auswidebank.com.au/help/resources/fees-and-charges/"
      },
      {
        "name": "COMPLEX_VARIATION_FEE",
        "feeType": "EVENT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "300.00"
        },
        "currency": "AUD",
        "additionalInfo": "Plus any applicable break costs and third party costs if applicable. Payable when we process your request that varaies your product, security, interest rate or repayment type, unless switching to Principal & Interest payments. Waived for Freedom Package loans when changing interest rate and or interest type",
        "additionalInfoUri": "https://auswidebank.com.au/help/resources/fees-and-charges/"
      },
      {
        "name": "REDRAW_FEE",
        "feeType": "EVENT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "20.00"
        },
        "currency": "AUD",
        "additionalInfo": "Payable when we manually process your request (eg: in Branch) to redraw available advance funds from your loan account. Excludes online redraws",
        "additionalInfoUri": "https://auswidebank.com.au/help/resources/fees-and-charges/"
      },
      {
        "name": "VALUATION_FEE_-_POST_SETTLEMENT",
        "feeType": "CASH_ADVANCE",
        "feeMethodUType": "variable",
        "variable": {},
        "currency": "AUD",
        "additionalInfo": "Charged at Cost. Payable to cover the cost of us arranging an independent valuation report (which we may do at any time acting reasonably).",
        "additionalInfoUri": "https://auswidebank.com.au/help/resources/fees-and-charges/"
      },
      {
        "name": "DEFAULT_ADMINISTRATION_FEE",
        "feeType": "EVENT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "40.00"
        },
        "currency": "AUD",
        "additionalInfo": "Charged per month, if you fail to make a payment by the due date",
        "additionalInfoUri": "https://auswidebank.com.au/help/resources/fees-and-charges/"
      },
      {
        "name": "CONDITIONS_SUBSEQUENT_COSTS",
        "feeType": "CASH_ADVANCE",
        "feeMethodUType": "variable",
        "variable": {},
        "currency": "AUD",
        "additionalInfo": "Charges vary - Charged at Cost. May apply to reimburse us the costs associated with confirming compliance with any special conditions in your loan agreement, such as the charges from third parties to provide reports to us.",
        "additionalInfoUri": "https://auswidebank.com.au/help/resources/fees-and-charges/"
      },
      {
        "name": "RTGS_OUTWARD_PAYMENT_FEE",
        "feeType": "TRANSACTION",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "20.00"
        },
        "currency": "AUD",
        "additionalInfo": "Payable each time you request a high value, time critical payment from your account to another financial institution on a real time basis for    same day    payment",
        "additionalInfoUri": "https://auswidebank.com.au/help/resources/fees-and-charges/"
      },
      {
        "name": "DOCUMENT_PREPARATION_COSTS_AND_THIRD_PARTY_COSTS_-_POST_SETTLEMENT",
        "feeType": "CASH_ADVANCE",
        "feeMethodUType": "variable",
        "variable": {},
        "currency": "AUD",
        "additionalInfo": "Unacertainable - Are costs reasonably incurred by us in providing the service and include such costs as legal costs, document custodian charges, titles office fees, and electronic processing fees.",
        "additionalInfoUri": "https://auswidebank.com.au/help/resources/fees-and-charges/"
      },
      {
        "name": "MORTGAGE_RELEASE_FEE",
        "feeType": "EVENT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "400.00"
        },
        "currency": "AUD",
        "additionalInfo": "Plus third party costs if applicable. Payable per mortgage when we process your request to release a security from your loan, including a partial release. Third party costs may also be payable",
        "additionalInfoUri": "https://auswidebank.com.au/help/resources/fees-and-charges/"
      }
    ],
    "lendingRates": [
      {
        "lendingRateType": "VARIABLE",
        "rate": "0.0624",
        "comparisonRate": "0.0627",
        "calculationFrequency": "P1D",
        "applicationType": "PERIODIC",
        "applicationFrequency": "P1M",
        "interestPaymentDue": "IN_ARREARS",
        "repaymentType": "INTEREST_ONLY",
        "loanPurpose": "INVESTMENT",
        "tiers": [
          {
            "name": "Basic Home Loan up to 60%",
            "unitOfMeasure": "PERCENT",
            "minimumValue": "0.010000",
            "maximumValue": "0.600000",
            "rateApplicationMethod": "WHOLE_BALANCE",
            "additionalInfo": "LVR up to 60%. Minimum loan amount $50,000.00"
          }
        ],
        "additionalInfoUri": "https://auswidebank.com.au/help/resources/interest-rates/"
      },
      {
        "lendingRateType": "VARIABLE",
        "rate": "0.0624",
        "comparisonRate": "0.0627",
        "calculationFrequency": "P1D",
        "applicationType": "PERIODIC",
        "applicationFrequency": "P1M",
        "interestPaymentDue": "IN_ARREARS",
        "repaymentType": "INTEREST_ONLY",
        "loanPurpose": "INVESTMENT",
        "tiers": [
          {
            "name": "Basic Home Loan 60.01% - 70%",
            "unitOfMeasure": "PERCENT",
            "minimumValue": "0.600100",
            "maximumValue": "0.700000",
            "rateApplicationMethod": "WHOLE_BALANCE",
            "additionalInfo": "LVR 60.01% - 70%. Minimum loan amount $50,000.00"
          }
        ],
        "additionalInfoUri": "https://auswidebank.com.au/help/resources/interest-rates/"
      },
      {
        "lendingRateType": "VARIABLE",
        "rate": "0.0624",
        "comparisonRate": "0.0627",
        "calculationFrequency": "P1D",
        "applicationType": "PERIODIC",
        "applicationFrequency": "P1M",
        "interestPaymentDue": "IN_ARREARS",
        "repaymentType": "INTEREST_ONLY",
        "loanPurpose": "INVESTMENT",
        "tiers": [
          {
            "name": "Basic Home Loan 70.01% - 80%",
            "unitOfMeasure": "PERCENT",
            "minimumValue": "0.700100",
            "maximumValue": "0.800000",
            "rateApplicationMethod": "WHOLE_BALANCE",
            "additionalInfo": "LVR 70.01% - 80%. Minimum loan amount $50,000.00"
          }
        ],
        "additionalInfoUri": "https://auswidebank.com.au/help/resources/interest-rates/"
      },
      {
        "lendingRateType": "VARIABLE",
        "rate": "0.0664",
        "comparisonRate": "0.0668",
        "calculationFrequency": "P1D",
        "applicationType": "PERIODIC",
        "applicationFrequency": "P1M",
        "interestPaymentDue": "IN_ARREARS",
        "repaymentType": "INTEREST_ONLY",
        "loanPurpose": "INVESTMENT",
        "tiers": [
          {
            "name": "Basic Home Loan 80.01% to 90%",
            "unitOfMeasure": "PERCENT",
            "minimumValue": "0.800100",
            "maximumValue": "0.900000",
            "rateApplicationMethod": "WHOLE_BALANCE",
            "additionalInfo": "LVR 80.01% to 90%. Minimum loan amount $50,000.00"
          }
        ],
        "additionalInfoUri": "https://auswidebank.com.au/help/resources/interest-rates/"
      },
      {
        "lendingRateType": "VARIABLE",
        "rate": "0.0624",
        "comparisonRate": "0.0627",
        "calculationFrequency": "P1D",
        "applicationType": "PERIODIC",
        "applicationFrequency": "P1M",
        "interestPaymentDue": "IN_ARREARS",
        "repaymentType": "PRINCIPAL_AND_INTEREST",
        "loanPurpose": "INVESTMENT",
        "tiers": [
          {
            "name": "Basic Home Loan up to 60%",
            "unitOfMeasure": "PERCENT",
            "minimumValue": "0.010000",
            "maximumValue": "0.600000",
            "rateApplicationMethod": "WHOLE_BALANCE",
            "additionalInfo": "LVR up to 60%. Minimum loan amount $50,000.00"
          }
        ],
        "additionalInfoUri": "https://auswidebank.com.au/help/resources/interest-rates/"
      },
      {
        "lendingRateType": "VARIABLE",
        "rate": "0.0624",
        "comparisonRate": "0.0627",
        "calculationFrequency": "P1D",
        "applicationType": "PERIODIC",
        "applicationFrequency": "P1M",
        "interestPaymentDue": "IN_ARREARS",
        "repaymentType": "PRINCIPAL_AND_INTEREST",
        "loanPurpose": "INVESTMENT",
        "tiers": [
          {
            "name": "Basic Home Loan 60.01% -70%",
            "unitOfMeasure": "PERCENT",
            "minimumValue": "0.600100",
            "maximumValue": "0.700000",
            "rateApplicationMethod": "WHOLE_BALANCE",
            "additionalInfo": "LVR 60.01% - 70%. Minimum loan amount $50,000.00"
          }
        ],
        "additionalInfoUri": "https://auswidebank.com.au/help/resources/interest-rates/"
      },
      {
        "lendingRateType": "VARIABLE",
        "rate": "0.0624",
        "comparisonRate": "0.0627",
        "calculationFrequency": "P1D",
        "applicationType": "PERIODIC",
        "applicationFrequency": "P1M",
        "interestPaymentDue": "IN_ARREARS",
        "repaymentType": "PRINCIPAL_AND_INTEREST",
        "loanPurpose": "INVESTMENT",
        "tiers": [
          {
            "name": "Basic Home Loan 70.01% to 80%",
            "unitOfMeasure": "PERCENT",
            "minimumValue": "0.700100",
            "maximumValue": "0.800000",
            "rateApplicationMethod": "WHOLE_BALANCE",
            "additionalInfo": "LVR 70.01% to 80%. Minimum loan amount $50,000.00"
          }
        ],
        "additionalInfoUri": "https://auswidebank.com.au/help/resources/interest-rates/"
      },
      {
        "lendingRateType": "VARIABLE",
        "rate": "0.0664",
        "comparisonRate": "0.0668",
        "calculationFrequency": "P1D",
        "applicationType": "PERIODIC",
        "applicationFrequency": "P1M",
        "interestPaymentDue": "IN_ARREARS",
        "repaymentType": "PRINCIPAL_AND_INTEREST",
        "loanPurpose": "INVESTMENT",
        "tiers": [
          {
            "name": "Basic Home Loan 80.01% to 90%",
            "unitOfMeasure": "PERCENT",
            "minimumValue": "0.800100",
            "maximumValue": "0.900000",
            "rateApplicationMethod": "WHOLE_BALANCE",
            "additionalInfo": "LVR 80.01% to 90%. Minimum loan amount $50,000.00"
          }
        ],
        "additionalInfoUri": "https://auswidebank.com.au/help/resources/interest-rates/"
      },
      {
        "lendingRateType": "VARIABLE",
        "rate": "0.0609",
        "comparisonRate": "0.0612",
        "calculationFrequency": "P1D",
        "applicationType": "PERIODIC",
        "applicationFrequency": "P1M",
        "interestPaymentDue": "IN_ARREARS",
        "repaymentType": "PRINCIPAL_AND_INTEREST",
        "loanPurpose": "OWNER_OCCUPIED",
        "tiers": [
          {
            "name": "Basic Home Loan up to 60%",
            "unitOfMeasure": "PERCENT",
            "minimumValue": "0.010000",
            "maximumValue": "0.600000",
            "rateApplicationMethod": "WHOLE_BALANCE",
            "additionalInfo": "LVR up to 60%. Minimum loan amount $50,000.00"
          }
        ],
        "additionalInfoUri": "https://auswidebank.com.au/help/resources/interest-rates/"
      },
      {
        "lendingRateType": "VARIABLE",
        "rate": "0.0609",
        "comparisonRate": "0.0612",
        "calculationFrequency": "P1D",
        "applicationType": "PERIODIC",
        "applicationFrequency": "P1M",
        "interestPaymentDue": "IN_ARREARS",
        "repaymentType": "PRINCIPAL_AND_INTEREST",
        "loanPurpose": "OWNER_OCCUPIED",
        "tiers": [
          {
            "name": "Basic Home Loan 60.01% - 70%",
            "unitOfMeasure": "PERCENT",
            "minimumValue": "0.600100",
            "maximumValue": "0.700000",
            "rateApplicationMethod": "WHOLE_BALANCE",
            "additionalInfo": "LVR 60.01% to 70%. Minimum loan amount $50,000.00"
          }
        ],
        "additionalInfoUri": "https://auswidebank.com.au/help/resources/interest-rates/"
      },
      {
        "lendingRateType": "VARIABLE",
        "rate": "0.0609",
        "comparisonRate": "0.0612",
        "calculationFrequency": "P1D",
        "applicationType": "PERIODIC",
        "applicationFrequency": "P1M",
        "interestPaymentDue": "IN_ARREARS",
        "repaymentType": "PRINCIPAL_AND_INTEREST",
        "loanPurpose": "OWNER_OCCUPIED",
        "tiers": [
          {
            "name": "Basic Home Loan 70.01% - 80%",
            "unitOfMeasure": "PERCENT",
            "minimumValue": "0.700100",
            "maximumValue": "0.800000",
            "rateApplicationMethod": "WHOLE_BALANCE",
            "additionalInfo": "LVR 70.01% to 80%. Minimum loan amount $50,000.00"
          }
        ],
        "additionalInfoUri": "https://auswidebank.com.au/help/resources/interest-rates/"
      },
      {
        "lendingRateType": "VARIABLE",
        "rate": "0.0639",
        "comparisonRate": "0.0643",
        "calculationFrequency": "P1D",
        "applicationType": "PERIODIC",
        "applicationFrequency": "P1M",
        "interestPaymentDue": "IN_ARREARS",
        "repaymentType": "PRINCIPAL_AND_INTEREST",
        "loanPurpose": "OWNER_OCCUPIED",
        "tiers": [
          {
            "name": "Basic Home Loan 80.01% to 90%",
            "unitOfMeasure": "PERCENT",
            "minimumValue": "0.800100",
            "maximumValue": "0.900000",
            "rateApplicationMethod": "WHOLE_BALANCE",
            "additionalInfo": "LVR 80.01% to 90%. Minimum loan amount $50,000.00"
          }
        ],
        "additionalInfoUri": "https://auswidebank.com.au/help/resources/interest-rates/"
      }
    ],
    "productId": "524add2a-ea86-4639-b084-abde1082801e",
    "lastUpdated": "2026-05-14T09:10:06.000+10:00",
    "productCategory": "RESIDENTIAL_MORTGAGES",
    "name": "BASIC HOME LOAN",
    "description": "A home loan with a competitive variable interest rate and no monthly fees. Suitable for customers who don't require the benefits of an offset account.",
    "brand": "A-Auswide Bank",
    "brandName": "A-Auswide Bank",
    "isTailored": false,
    "additionalInformation": {
      "overviewUri": "https://auswidebank.com.au/home-loans/compare-home-loans/",
      "termsUri": "https://auswidebank.com.au/help/resources/terms-and-conditions/",
      "feesAndPricingUri": "https://auswidebank.com.au/help/resources/fees-and-charges/"
    }
  }
}