{
  "source": "https://public.cdr.bankaust.com.au/cds-au/v1/banking/products/04e01126-08d6-46f8-9efe-b23b629085bc",
  "note": "Product Reference Data published by the data holder under the Consumer Data Right, as cached by this site (refreshed every 6 hours).",
  "data": {
    "additionalInformation": {
      "bundleUri": "https://www.bankaust.com.au/banking/home-loans/offset-home-loan",
      "eligibilityUri": "https://www.bankaust.com.au/banking/home-loans/offset-home-loan",
      "feesAndPricingUri": "https://www.bankaust.com.au/banking/home-loans/offset-home-loan",
      "overviewUri": "https://www.bankaust.com.au/banking/home-loans/offset-home-loan",
      "termsUri": "https://www.bankaust.com.au/support/disclosures"
    },
    "applicationUri": "https://apply.bankaust.com.au/cip/bankaustralia/p/bankaustralia/homeloan/application.html",
    "brand": "Bank Australia",
    "description": "A home loan packed with positives for future generations.",
    "effectiveFrom": "2022-01-24T13:30:00.000Z",
    "isTailored": false,
    "lastUpdated": "2026-06-23T04:17:22.476Z",
    "name": "Offset Investment Loan Fixed",
    "productCategory": "RESIDENTIAL_MORTGAGES",
    "productId": "04e01126-08d6-46f8-9efe-b23b629085bc",
    "fees": [
      {
        "name": "Monthly Offset Account Fee",
        "currency": "AUD",
        "additionalValue": "P1M",
        "fixedAmount": {
          "amount": "0.00"
        },
        "feeType": "PERIODIC",
        "feeMethodUType": "fixedAmount"
      },
      {
        "name": "Offset Home Loan Annual Fee",
        "additionalInfo": "Annual fee payable on all Offset Home Loans and Clean Energy Home Loans. The fee is debited to the loan annually on the anniversary date of funding and is non refundable. Only one annual fee applies per customer where multiple loans exist.",
        "currency": "AUD",
        "additionalValue": "P1Y",
        "fixedAmount": {
          "amount": "199.00"
        },
        "feeType": "PERIODIC",
        "feeMethodUType": "fixedAmount"
      },
      {
        "rateBased": {
          "rateType": "BALANCE",
          "rate": "0.001",
          "amountRange": {
            "feeMinimum": "50.00"
          }
        },
        "name": "Rate Lock Fee",
        "additionalInfo": "Payable when you choose to lock in the fixed rate at application.  0.10% of the total fixed loan amount for approved home loan applications (minimum fee $50). This applies to 1, 2, 3 and 5 year Fixed Rate home loans only and is non-refundable.",
        "currency": "AUD",
        "feeType": "OTHER",
        "feeMethodUType": "rateBased"
      },
      {
        "name": "Establishment Fee",
        "currency": "AUD",
        "fixedAmount": {
          "amount": "0.00"
        },
        "feeType": "UPFRONT",
        "feeMethodUType": "fixedAmount"
      },
      {
        "discounts": [
          {
            "additionalInfo": "We won't charge the fee if this criteria is met.",
            "discountMethodUType": "fixedAmount",
            "description": "This fee is waived for holders of an Offset or Clean Energy Home Loan. Each Offset or Clean Energy Loan is entitled to a wavier for the future Annual Fee for one eligible card account in the name of the loan holder.",
            "eligibility": [
              {
                "additionalInfo": "This fee is waived for holders of an Offset or Clean Energy Home Loan. Each Offset or Clean Energy Loan is entitled to a wavier for the future Annual Fee for one eligible card account in the name of the loan holder.",
                "discountEligibilityType": "OTHER"
              }
            ],
            "discountType": "ELIGIBILITY_ONLY",
            "fixedAmount": {
              "amount": "189.00"
            }
          }
        ],
        "name": "Platinum Rewards Credit Card Annual Fee",
        "additionalInfo": "An annual fee charged on your credit card.",
        "currency": "AUD",
        "additionalValue": "P1Y",
        "fixedAmount": {
          "amount": "189.00"
        },
        "feeType": "PERIODIC",
        "feeMethodUType": "fixedAmount"
      },
      {
        "name": "Portability Fee- New Mortgage",
        "additionalInfo": "Payable when you request that a property securing a loan is replaced with a property that is a new security to Bank Australia.",
        "currency": "AUD",
        "fixedAmount": {
          "amount": "500.00"
        },
        "feeType": "EVENT",
        "feeMethodUType": "fixedAmount"
      },
      {
        "additionalInfoUri": "https://cdn.bfldr.com/1R31Y8GR/as/5pxcb6tz9n83psz2k2knqtk/Loan_fees_schedule",
        "name": "Break Fee",
        "additionalInfo": "You may be required to pay a break fee if you pay your fixed loan off in full, make an early repayment or make certain other changes to your loan during any fixed period. The fee is calculated at the time of the event and is specifically related to your individual loan. More information is found in the loan fees and charges document.",
        "variable": {
          "feeMinimum": "0.00",
          "feeMaximum": "999999.99"
        },
        "currency": "AUD",
        "feeType": "EVENT",
        "feeMethodUType": "variable"
      },
      {
        "name": "Mortgage Discharge Fee",
        "additionalInfo": "Payable when you discharge the mortgage. Statutory government registration fees will still apply.",
        "currency": "AUD",
        "fixedAmount": {
          "amount": "275.00"
        },
        "feeType": "EVENT",
        "feeMethodUType": "fixedAmount"
      },
      {
        "name": "1st Valuation Fee",
        "currency": "AUD",
        "fixedAmount": {
          "amount": "0.00"
        },
        "feeType": "EVENT",
        "feeMethodUType": "fixedAmount"
      }
    ],
    "eligibility": [
      {
        "additionalInfo": "Individuals (natural persons) must have the legal capacity to enter into the loan contract, provide acceptable identification documentation and be 18 years or older.",
        "eligibilityType": "MIN_AGE",
        "additionalValue": "18"
      },
      {
        "additionalInfo": "Not available for non-personal borrowers.",
        "eligibilityType": "NATURAL_PERSON"
      },
      {
        "additionalInfo": "Applications for loans are subject to the Bank's lending criteria.",
        "eligibilityType": "OTHER"
      },
      {
        "additionalInfo": "Australian citizen or permanent resident of Australia",
        "eligibilityType": "RESIDENCY_STATUS",
        "additionalValue": "AU"
      }
    ],
    "constraints": [
      {
        "constraintType": "MIN_LIMIT",
        "additionalValue": "10000.00"
      }
    ],
    "features": [
      {
        "featureType": "DIGITAL_BANKING",
        "additionalInfo": "You can self-serve your day-to-day banking needs via Bank Australia's App or Internet Banking."
      },
      {
        "featureType": "EXTRA_REPAYMENTS",
        "additionalInfo": "Addtional repayments up to $30,000 during the fixed rate period"
      },
      {
        "featureType": "OFFSET",
        "additionalInfo": "A Mortgage Offset account reduces the amount of interest you pay on your home loan. The amount within this account is offset against your home loan, meaning you only pay interest on the difference. Up to a limit of $20,000."
      },
      {
        "featureType": "OTHER",
        "additionalInfo": "Make your loan repayments weekly, fortnightly or monthly"
      },
      {
        "featureType": "OTHER",
        "additionalInfo": "Fixed rate lock; With our rate lock you can apply for a fixed interest rate on your home loan and lock in the rate while your home loan settles."
      },
      {
        "featureType": "OTHER",
        "additionalInfo": "Split loan between variable and fixed is available"
      }
    ],
    "lendingRates": [
      {
        "lendingRateType": "FIXED",
        "applicationType": "PERIODIC",
        "tiers": [
          {
            "name": "1 year - LVR 60% or less",
            "minimumValue": "0",
            "unitOfMeasure": "PERCENT",
            "maximumValue": "0.6",
            "rateApplicationMethod": "WHOLE_BALANCE"
          }
        ],
        "applicationFrequency": "P1M",
        "calculationFrequency": "P1D",
        "interestPaymentDue": "IN_ARREARS",
        "comparisonRate": "0.0644",
        "repaymentType": "PRINCIPAL_AND_INTEREST",
        "rate": "0.0639",
        "loanPurpose": "INVESTMENT",
        "additionalValue": "P1Y"
      },
      {
        "lendingRateType": "FIXED",
        "applicationType": "PERIODIC",
        "tiers": [
          {
            "name": "1 year - LVR 70% or less",
            "minimumValue": "0.601",
            "unitOfMeasure": "PERCENT",
            "maximumValue": "0.7",
            "rateApplicationMethod": "WHOLE_BALANCE"
          }
        ],
        "applicationFrequency": "P1M",
        "calculationFrequency": "P1D",
        "interestPaymentDue": "IN_ARREARS",
        "comparisonRate": "0.0649",
        "repaymentType": "PRINCIPAL_AND_INTEREST",
        "rate": "0.0639",
        "loanPurpose": "INVESTMENT",
        "additionalValue": "P1Y"
      },
      {
        "lendingRateType": "FIXED",
        "applicationType": "PERIODIC",
        "tiers": [
          {
            "name": "1 year - LVR 80% or less",
            "minimumValue": "0.701",
            "unitOfMeasure": "PERCENT",
            "maximumValue": "0.8",
            "rateApplicationMethod": "WHOLE_BALANCE"
          }
        ],
        "applicationFrequency": "P1M",
        "calculationFrequency": "P1D",
        "interestPaymentDue": "IN_ARREARS",
        "comparisonRate": "0.0653",
        "repaymentType": "PRINCIPAL_AND_INTEREST",
        "rate": "0.0639",
        "loanPurpose": "INVESTMENT",
        "additionalValue": "P1Y"
      },
      {
        "lendingRateType": "FIXED",
        "applicationType": "PERIODIC",
        "tiers": [
          {
            "name": "1 year - LVR 90% or less",
            "minimumValue": "0.801",
            "unitOfMeasure": "PERCENT",
            "maximumValue": "0.9",
            "rateApplicationMethod": "WHOLE_BALANCE"
          }
        ],
        "applicationFrequency": "P1M",
        "calculationFrequency": "P1D",
        "interestPaymentDue": "IN_ARREARS",
        "comparisonRate": "0.0688",
        "repaymentType": "PRINCIPAL_AND_INTEREST",
        "rate": "0.0679",
        "loanPurpose": "INVESTMENT",
        "additionalValue": "P1Y"
      },
      {
        "lendingRateType": "FIXED",
        "applicationType": "PERIODIC",
        "tiers": [
          {
            "name": "2 years - LVR 60% or less",
            "minimumValue": "0",
            "unitOfMeasure": "PERCENT",
            "maximumValue": "0.6",
            "rateApplicationMethod": "WHOLE_BALANCE"
          }
        ],
        "applicationFrequency": "P1M",
        "calculationFrequency": "P1D",
        "interestPaymentDue": "IN_ARREARS",
        "comparisonRate": "0.0647",
        "repaymentType": "PRINCIPAL_AND_INTEREST",
        "rate": "0.0644",
        "loanPurpose": "INVESTMENT",
        "additionalValue": "P2Y"
      },
      {
        "lendingRateType": "FIXED",
        "applicationType": "PERIODIC",
        "tiers": [
          {
            "name": "2 years - LVR 70% or less",
            "minimumValue": "0.601",
            "unitOfMeasure": "PERCENT",
            "maximumValue": "0.7",
            "rateApplicationMethod": "WHOLE_BALANCE"
          }
        ],
        "applicationFrequency": "P1M",
        "calculationFrequency": "P1D",
        "interestPaymentDue": "IN_ARREARS",
        "comparisonRate": "0.0651",
        "repaymentType": "PRINCIPAL_AND_INTEREST",
        "rate": "0.0644",
        "loanPurpose": "INVESTMENT",
        "additionalValue": "P2Y"
      },
      {
        "lendingRateType": "FIXED",
        "applicationType": "PERIODIC",
        "tiers": [
          {
            "name": "2 years - LVR 80% or less",
            "minimumValue": "0.701",
            "unitOfMeasure": "PERCENT",
            "maximumValue": "0.8",
            "rateApplicationMethod": "WHOLE_BALANCE"
          }
        ],
        "applicationFrequency": "P1M",
        "calculationFrequency": "P1D",
        "interestPaymentDue": "IN_ARREARS",
        "comparisonRate": "0.0655",
        "repaymentType": "PRINCIPAL_AND_INTEREST",
        "rate": "0.0644",
        "loanPurpose": "INVESTMENT",
        "additionalValue": "P2Y"
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      {
        "lendingRateType": "FIXED",
        "applicationType": "PERIODIC",
        "tiers": [
          {
            "name": "2 year - LVR 90% or less",
            "minimumValue": "0.801",
            "unitOfMeasure": "PERCENT",
            "maximumValue": "0.9",
            "rateApplicationMethod": "WHOLE_BALANCE"
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        ],
        "applicationFrequency": "P1M",
        "calculationFrequency": "P1D",
        "interestPaymentDue": "IN_ARREARS",
        "comparisonRate": "0.0689",
        "repaymentType": "PRINCIPAL_AND_INTEREST",
        "rate": "0.0679",
        "loanPurpose": "INVESTMENT",
        "additionalValue": "P2Y"
      },
      {
        "lendingRateType": "FIXED",
        "applicationType": "PERIODIC",
        "tiers": [
          {
            "name": "3 years - LVR 60% or less",
            "minimumValue": "0",
            "unitOfMeasure": "PERCENT",
            "maximumValue": "0.6",
            "rateApplicationMethod": "WHOLE_BALANCE"
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        ],
        "applicationFrequency": "P1M",
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        "interestPaymentDue": "IN_ARREARS",
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        "repaymentType": "PRINCIPAL_AND_INTEREST",
        "rate": "0.0654",
        "loanPurpose": "INVESTMENT",
        "additionalValue": "P3Y"
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      {
        "lendingRateType": "FIXED",
        "applicationType": "PERIODIC",
        "tiers": [
          {
            "name": "3 years - LVR 70% or less",
            "minimumValue": "0.611",
            "unitOfMeasure": "PERCENT",
            "maximumValue": "0.7",
            "rateApplicationMethod": "WHOLE_BALANCE"
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        ],
        "applicationFrequency": "P1M",
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        "interestPaymentDue": "IN_ARREARS",
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        "loanPurpose": "INVESTMENT",
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      {
        "lendingRateType": "FIXED",
        "applicationType": "PERIODIC",
        "tiers": [
          {
            "name": "3 years - LVR 80% or less",
            "minimumValue": "0.701",
            "unitOfMeasure": "PERCENT",
            "maximumValue": "0.8",
            "rateApplicationMethod": "WHOLE_BALANCE"
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        ],
        "applicationFrequency": "P1M",
        "calculationFrequency": "P1D",
        "interestPaymentDue": "IN_ARREARS",
        "comparisonRate": "0.0658",
        "repaymentType": "PRINCIPAL_AND_INTEREST",
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        "loanPurpose": "INVESTMENT",
        "additionalValue": "P3Y"
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      {
        "lendingRateType": "FIXED",
        "applicationType": "PERIODIC",
        "tiers": [
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            "name": "3 year - LVR 90% or less",
            "minimumValue": "0.801",
            "unitOfMeasure": "PERCENT",
            "maximumValue": "0.9",
            "rateApplicationMethod": "WHOLE_BALANCE"
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        "applicationFrequency": "P1M",
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        "interestPaymentDue": "IN_ARREARS",
        "comparisonRate": "0.0696",
        "repaymentType": "PRINCIPAL_AND_INTEREST",
        "rate": "0.0699",
        "loanPurpose": "INVESTMENT",
        "additionalValue": "P3Y"
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      {
        "lendingRateType": "FIXED",
        "applicationType": "PERIODIC",
        "tiers": [
          {
            "name": "5 years - LVR 60% or less",
            "minimumValue": "0",
            "unitOfMeasure": "PERCENT",
            "maximumValue": "0.6",
            "rateApplicationMethod": "WHOLE_BALANCE"
          }
        ],
        "applicationFrequency": "P1M",
        "calculationFrequency": "P1D",
        "interestPaymentDue": "IN_ARREARS",
        "comparisonRate": "0.066",
        "repaymentType": "PRINCIPAL_AND_INTEREST",
        "rate": "0.0664",
        "loanPurpose": "INVESTMENT",
        "additionalValue": "P5Y"
      },
      {
        "lendingRateType": "FIXED",
        "applicationType": "PERIODIC",
        "tiers": [
          {
            "name": "5 years - LVR 70% or less",
            "minimumValue": "0.601",
            "unitOfMeasure": "PERCENT",
            "maximumValue": "0.7",
            "rateApplicationMethod": "WHOLE_BALANCE"
          }
        ],
        "applicationFrequency": "P1M",
        "calculationFrequency": "P1D",
        "interestPaymentDue": "IN_ARREARS",
        "comparisonRate": "0.0663",
        "repaymentType": "PRINCIPAL_AND_INTEREST",
        "rate": "0.0664",
        "loanPurpose": "INVESTMENT",
        "additionalValue": "P5Y"
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      {
        "lendingRateType": "FIXED",
        "applicationType": "PERIODIC",
        "tiers": [
          {
            "name": "5 years - LVR 80% or less",
            "minimumValue": "0.701",
            "unitOfMeasure": "PERCENT",
            "maximumValue": "0.8",
            "rateApplicationMethod": "WHOLE_BALANCE"
          }
        ],
        "applicationFrequency": "P1M",
        "calculationFrequency": "P1D",
        "interestPaymentDue": "IN_ARREARS",
        "comparisonRate": "0.0666",
        "repaymentType": "PRINCIPAL_AND_INTEREST",
        "rate": "0.0664",
        "loanPurpose": "INVESTMENT",
        "additionalValue": "P5Y"
      },
      {
        "lendingRateType": "FIXED",
        "applicationType": "PERIODIC",
        "tiers": [
          {
            "name": "5 year - LVR 90% or less",
            "minimumValue": "0.801",
            "unitOfMeasure": "PERCENT",
            "maximumValue": "0.9",
            "rateApplicationMethod": "WHOLE_BALANCE"
          }
        ],
        "applicationFrequency": "P1M",
        "calculationFrequency": "P1D",
        "interestPaymentDue": "IN_ARREARS",
        "comparisonRate": "0.0717",
        "repaymentType": "PRINCIPAL_AND_INTEREST",
        "rate": "0.0699",
        "loanPurpose": "INVESTMENT",
        "additionalValue": "P5Y"
      }
    ],
    "bundles": [
      {
        "additionalInfoUri": "https://www.bankaust.com.au/banking/home-loans/offset-home-loan",
        "productIds": [
          "194",
          "216",
          "225",
          "229",
          "238",
          "490",
          "494"
        ],
        "name": "Offset Loan",
        "additionalInfo": "Offset loans include an annual fee waiver for the Platinum Rewards Credit Card and everyday banking.",
        "description": "Offset Loan"
      }
    ]
  }
}