{
  "source": "https://openbank.api.banksyd.com.au/cds-au/v1/banking/products/emhl_inv",
  "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": "emhl_inv",
    "lastUpdated": "2026-05-21T23:58:21Z",
    "productCategory": "RESIDENTIAL_MORTGAGES",
    "name": "Expect More Home Loan Investment",
    "description": "Our comprehensive investment home loan package, designed for those who expect more from a home loan.",
    "brand": "Bank of Sydney",
    "brandName": "Bank of Sydney",
    "isTailored": false,
    "additionalInformation": {
      "overviewUri": "https://www.banksyd.com.au/expect-more-investment-home-loan",
      "termsUri": "https://www.banksyd.com.au/important-product-information",
      "eligibilityUri": "https://www.banksyd.com.au/expect-more-investment-home-loan",
      "feesAndPricingUri": "https://www.banksyd.com.au/important-product-information"
    },
    "features": [
      {
        "featureType": "REDRAW",
        "additionalInfo": "Redraw facility is available"
      },
      {
        "featureType": "EXTRA_REPAYMENTS",
        "additionalValue": "Unlimited additional repayments",
        "additionalInfo": "Applicable only for Variable Rate"
      },
      {
        "featureType": "OFFSET",
        "additionalInfo": "100% offset account available"
      },
      {
        "featureType": "DIGITAL_BANKING"
      },
      {
        "featureType": "OTHER",
        "additionalValue": "Construction Loans",
        "additionalInfo": "Available for Construction purposes"
      }
    ],
    "constraints": [
      {
        "constraintType": "MIN_LIMIT",
        "additionalValue": "100000.00",
        "additionalInfo": "Minimum aggregated total loan amount $100,000.00"
      }
    ],
    "eligibility": [
      {
        "eligibilityType": "RESIDENCY_STATUS",
        "additionalValue": "Australian Permanent Resident or Citizen. Residential address must be in Australia."
      },
      {
        "eligibilityType": "OTHER",
        "additionalInfo": "Lending Criteria applies"
      },
      {
        "eligibilityType": "MIN_AGE",
        "additionalValue": "18"
      },
      {
        "eligibilityType": "OTHER",
        "additionalInfo": "Available to Companies in their own capacity or as Trustees for a Trust"
      },
      {
        "eligibilityType": "NATURAL_PERSON"
      }
    ],
    "fees": [
      {
        "name": "Variation Fee",
        "feeType": "EVENT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "300.00"
        },
        "currency": "AUD"
      },
      {
        "name": "Settlement Fee",
        "feeType": "UPFRONT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "200.00"
        },
        "currency": "AUD",
        "additionalInfo": "Payable at the time of new loan settlement only and variations"
      },
      {
        "name": "Package Fee",
        "feeType": "PERIODIC",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "125.00"
        },
        "currency": "AUD",
        "additionalValue": "P1Y",
        "additionalInfo": "Paid annually in advance on anniversary of loan date"
      },
      {
        "name": "Discharge of Mortgage Fee",
        "feeType": "EVENT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "400.00"
        },
        "currency": "AUD",
        "additionalInfo": "Excludes legal costs"
      }
    ],
    "lendingRates": [
      {
        "rate": "0.0714",
        "calculationFrequency": "P1D",
        "applicationType": "PERIODIC",
        "applicationFrequency": "P1M",
        "additionalValue": ">80% to 90% LVR with LMI",
        "lendingRateType": "VARIABLE",
        "comparisonRate": "0.0728",
        "interestPaymentDue": "IN_ARREARS",
        "repaymentType": "PRINCIPAL_AND_INTEREST",
        "loanPurpose": "INVESTMENT"
      },
      {
        "rate": "0.0684",
        "calculationFrequency": "P1D",
        "applicationType": "PERIODIC",
        "applicationFrequency": "P1M",
        "additionalValue": "LVR 60-80%",
        "lendingRateType": "VARIABLE",
        "comparisonRate": "0.0698",
        "interestPaymentDue": "IN_ARREARS",
        "repaymentType": "PRINCIPAL_AND_INTEREST",
        "loanPurpose": "INVESTMENT"
      },
      {
        "rate": "0.0704",
        "calculationFrequency": "P1D",
        "applicationType": "PERIODIC",
        "applicationFrequency": "P1M",
        "additionalValue": "LVR 60-80%",
        "additionalInfoUri": "https://www.banksyd.com.au/expect-more-investment-home-loan",
        "lendingRateType": "VARIABLE",
        "comparisonRate": "0.0701",
        "interestPaymentDue": "IN_ARREARS",
        "repaymentType": "INTEREST_ONLY",
        "loanPurpose": "INVESTMENT"
      },
      {
        "rate": "0.0684",
        "calculationFrequency": "P1D",
        "applicationType": "PERIODIC",
        "applicationFrequency": "P1M",
        "additionalValue": "LVR < 60%",
        "additionalInfoUri": "https://www.banksyd.com.au/expect-more-investment-home-loan",
        "lendingRateType": "VARIABLE",
        "comparisonRate": "0.0676",
        "interestPaymentDue": "IN_ARREARS",
        "repaymentType": "INTEREST_ONLY",
        "loanPurpose": "INVESTMENT"
      },
      {
        "rate": "0.0809",
        "calculationFrequency": "P1D",
        "applicationType": "PERIODIC",
        "applicationFrequency": "P1M",
        "additionalValue": "Construction Loan up to 75% LVR",
        "additionalInfoUri": "https://www.banksyd.com.au/expect-more-investment-home-loan",
        "lendingRateType": "VARIABLE",
        "comparisonRate": "0.0692",
        "interestPaymentDue": "IN_ARREARS",
        "repaymentType": "INTEREST_ONLY",
        "loanPurpose": "INVESTMENT"
      }
    ]
  }
}