{
  "source": "https://openbank.api.banksyd.com.au/cds-au/v1/banking/products/bosbasic_oo",
  "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": "bosbasic_oo",
    "lastUpdated": "2026-06-29T22:48:32Z",
    "productCategory": "RESIDENTIAL_MORTGAGES",
    "name": "BOS Basic Home Loan Owner Occupied",
    "description": "Looking to buy a new home and want to keep things simple? Our BOS Basic Home Loan, with no fees and a competitive interest rate, is the one for you.",
    "brand": "Bank of Sydney",
    "brandName": "Bank of Sydney",
    "isTailored": false,
    "additionalInformation": {
      "overviewUri": "https://www.banksyd.com.au/bos-basic-home-loan",
      "termsUri": "https://www.banksyd.com.au/important-product-information",
      "eligibilityUri": "https://www.banksyd.com.au/bos-basic-home-loan",
      "feesAndPricingUri": "https://www.banksyd.com.au/important-product-information"
    },
    "features": [
      {
        "featureType": "REDRAW",
        "additionalInfo": "Redraw facility is available"
      },
      {
        "featureType": "DIGITAL_BANKING"
      },
      {
        "featureType": "EXTRA_REPAYMENTS",
        "additionalValue": "Unlimited extra repayments"
      }
    ],
    "constraints": [
      {
        "constraintType": "MIN_LIMIT",
        "additionalValue": "100000.00"
      }
    ],
    "eligibility": [
      {
        "eligibilityType": "NATURAL_PERSON"
      },
      {
        "eligibilityType": "OTHER",
        "additionalInfo": "Lending Criteria applies."
      },
      {
        "eligibilityType": "RESIDENCY_STATUS",
        "additionalValue": "Australian Permanent Resident or Citizen. Residential address must be in Australia."
      },
      {
        "eligibilityType": "MIN_AGE",
        "additionalValue": "18"
      }
    ],
    "fees": [
      {
        "name": "Discharge of Mortgage Fee",
        "feeType": "EVENT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "400.00"
        },
        "currency": "AUD",
        "additionalInfo": "Excludes legal costs"
      },
      {
        "name": "Settlement Fee",
        "feeType": "UPFRONT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "200.00"
        },
        "currency": "AUD",
        "additionalInfo": "Payable at settlement of new loan, variations and top ups to existing loans do not incur this fee."
      },
      {
        "name": "Variation Fee",
        "feeType": "EVENT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "300.00"
        },
        "currency": "AUD"
      }
    ],
    "lendingRates": [
      {
        "rate": "0.0619",
        "calculationFrequency": "P1D",
        "applicationType": "PERIODIC",
        "applicationFrequency": "P1M",
        "additionalValue": "LVR >60% up to 80%",
        "additionalInfoUri": "https://www.banksyd.com.au/bos-basic-home-loan",
        "tiers": [
          {
            "name": "<60-80%LVR",
            "unitOfMeasure": "PERCENT",
            "minimumValue": "60.01",
            "maximumValue": "80",
            "rateApplicationMethod": "WHOLE_BALANCE"
          }
        ],
        "lendingRateType": "VARIABLE",
        "comparisonRate": "0.0623",
        "interestPaymentDue": "IN_ARREARS",
        "repaymentType": "PRINCIPAL_AND_INTEREST",
        "loanPurpose": "OWNER_OCCUPIED"
      },
      {
        "rate": "0.0609",
        "calculationFrequency": "P1D",
        "applicationType": "PERIODIC",
        "applicationFrequency": "P1M",
        "additionalValue": "LVR up to 60%",
        "additionalInfoUri": "https://www.banksyd.com.au/bos-basic-home-loan",
        "tiers": [
          {
            "name": "<60% LVR",
            "unitOfMeasure": "PERCENT",
            "minimumValue": "0",
            "maximumValue": "60",
            "rateApplicationMethod": "WHOLE_BALANCE"
          }
        ],
        "lendingRateType": "VARIABLE",
        "comparisonRate": "0.0613",
        "interestPaymentDue": "IN_ARREARS",
        "repaymentType": "PRINCIPAL_AND_INTEREST",
        "loanPurpose": "OWNER_OCCUPIED"
      },
      {
        "rate": "0.0644",
        "calculationFrequency": "P1D",
        "applicationType": "PERIODIC",
        "applicationFrequency": "P1M",
        "additionalValue": "LVR 80-90% with LMI",
        "tiers": [
          {
            "additionalInfo": "with LMI",
            "name": "80-90% LVR with LMI",
            "unitOfMeasure": "PERCENT",
            "minimumValue": "80.01",
            "maximumValue": "90",
            "rateApplicationMethod": "WHOLE_BALANCE"
          }
        ],
        "lendingRateType": "VARIABLE",
        "comparisonRate": "0.0648",
        "interestPaymentDue": "IN_ARREARS",
        "repaymentType": "PRINCIPAL_AND_INTEREST",
        "loanPurpose": "OWNER_OCCUPIED"
      },
      {
        "rate": "0.0699",
        "calculationFrequency": "P1D",
        "applicationType": "PERIODIC",
        "applicationFrequency": "P1M",
        "additionalValue": "LVR 90-95% with LMI",
        "tiers": [
          {
            "additionalInfo": "with LMI",
            "name": "90-95% LVR with LMI",
            "unitOfMeasure": "PERCENT",
            "minimumValue": "90",
            "maximumValue": "95",
            "rateApplicationMethod": "WHOLE_BALANCE"
          }
        ],
        "lendingRateType": "VARIABLE",
        "comparisonRate": "0.0703",
        "interestPaymentDue": "IN_ARREARS",
        "repaymentType": "PRINCIPAL_AND_INTEREST",
        "loanPurpose": "OWNER_OCCUPIED"
      },
      {
        "rate": "0.0689",
        "calculationFrequency": "P1D",
        "applicationType": "PERIODIC",
        "applicationFrequency": "P1M",
        "additionalValue": "LVR <90% no LMI for Select Professionals",
        "tiers": [
          {
            "additionalInfo": "with no LMI for Select Professionals",
            "name": "80-90% LVR with no LMI",
            "unitOfMeasure": "PERCENT",
            "minimumValue": "80.01",
            "maximumValue": "90",
            "rateApplicationMethod": "WHOLE_BALANCE"
          }
        ],
        "lendingRateType": "VARIABLE",
        "comparisonRate": "0.0693",
        "interestPaymentDue": "IN_ARREARS",
        "repaymentType": "INTEREST_ONLY",
        "loanPurpose": "OWNER_OCCUPIED"
      }
    ]
  }
}