{
  "source": "https://openbank.api.banksyd.com.au/cds-au/v1/banking/products/emhl_oo_fixed",
  "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_oo_fixed",
    "lastUpdated": "2026-06-29T01:19:29Z",
    "productCategory": "RESIDENTIAL_MORTGAGES",
    "name": "Expect More Home Loan Owner Occupied - Fixed",
    "description": "Need a few more features than the standard home loan? Our Expect More Home Loan is the one for you.",
    "brand": "Bank of Sydney",
    "brandName": "Bank of Sydney",
    "isTailored": false,
    "additionalInformation": {
      "overviewUri": "https://www.banksyd.com.au/expect-more-home-loan",
      "termsUri": "https://www.banksyd.com.au/important-product-information",
      "eligibilityUri": "https://www.banksyd.com.au/expect-more-home-loan",
      "feesAndPricingUri": "https://www.banksyd.com.au/important-product-information"
    },
    "features": [
      {
        "featureType": "DIGITAL_BANKING"
      }
    ],
    "constraints": [
      {
        "constraintType": "MIN_LIMIT",
        "additionalValue": "100000.00"
      },
      {
        "constraintType": "MAX_LVR",
        "additionalValue": "80"
      }
    ],
    "eligibility": [
      {
        "eligibilityType": "MIN_AGE",
        "additionalValue": "18"
      },
      {
        "eligibilityType": "RESIDENCY_STATUS",
        "additionalValue": "Australian Permanent Resident or Citizen. Residential address must be in Australia."
      },
      {
        "eligibilityType": "NATURAL_PERSON"
      },
      {
        "eligibilityType": "OTHER",
        "additionalInfo": "Lending Criteria applies"
      }
    ],
    "fees": [
      {
        "name": "Discharge of Mortgage Fee",
        "feeType": "EVENT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "400.00"
        },
        "currency": "AUD",
        "additionalInfo": "Excludes legal costs"
      },
      {
        "name": "Variation Fee",
        "feeType": "EVENT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "300.00"
        },
        "currency": "AUD",
        "additionalInfo": "V"
      },
      {
        "name": "Settlement Fee",
        "feeType": "UPFRONT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "200.00"
        },
        "currency": "AUD",
        "additionalInfo": "Payable at settlement of new loan and variations"
      }
    ],
    "lendingRates": [
      {
        "rate": "0.0729",
        "calculationFrequency": "P1D",
        "applicationType": "PERIODIC",
        "applicationFrequency": "P1M",
        "additionalValue": "P1Y",
        "additionalInfoUri": "https://www.banksyd.com.au/expect-more-home-loan",
        "lendingRateType": "FIXED",
        "comparisonRate": "0.0652",
        "interestPaymentDue": "IN_ARREARS",
        "repaymentType": "PRINCIPAL_AND_INTEREST",
        "loanPurpose": "OWNER_OCCUPIED"
      },
      {
        "rate": "0.0729",
        "calculationFrequency": "P1M",
        "applicationType": "PERIODIC",
        "applicationFrequency": "P1M",
        "additionalValue": "P2Y",
        "additionalInfo": "https://www.banksyd.com.au/expect-more-home-loan",
        "lendingRateType": "FIXED",
        "comparisonRate": "0.061",
        "interestPaymentDue": "IN_ARREARS",
        "repaymentType": "PRINCIPAL_AND_INTEREST",
        "loanPurpose": "OWNER_OCCUPIED"
      }
    ]
  }
}