{
  "source": "https://api.bankofus.com.au/OpenBanking/cds-au/v1/banking/products/ResiSecuredPL",
  "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": "EXTRA_REPAYMENTS"
      },
      {
        "featureType": "NPP_ENABLED"
      },
      {
        "featureType": "REDRAW"
      },
      {
        "featureType": "DIGITAL_BANKING"
      }
    ],
    "constraints": [
      {
        "constraintType": "MAX_LIMIT",
        "additionalValue": "100000.00"
      },
      {
        "constraintType": "MIN_LIMIT",
        "additionalValue": "3000.00"
      }
    ],
    "eligibility": [
      {
        "eligibilityType": "MIN_AGE",
        "additionalValue": "18"
      },
      {
        "eligibilityType": "NATURAL_PERSON"
      },
      {
        "eligibilityType": "RESIDENCY_STATUS",
        "additionalInfo": "Should be a citizen or permanent resident of Australia. Temporary residents may be eligible if holders of an acceptable employer supported visa."
      }
    ],
    "fees": [
      {
        "name": "PERSONAL_LOAN_APPLICATION_FEE",
        "feeType": "UPFRONT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "200.00"
        },
        "currency": "AUD"
      },
      {
        "name": "TITLE_SEARCH_FEE",
        "feeType": "UPFRONT",
        "feeMethodUType": "variable",
        "variable": {
          "feeMinimum": "38.20",
          "feeMaximum": "191.00"
        },
        "currency": "AUD",
        "additionalInfo": "Payable when we require information from the Land Titles Office in connection with your credit contract. Charged at cost."
      },
      {
        "name": "SPECIAL_ATTENDANCE_FEE",
        "feeType": "EVENT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "300.00"
        },
        "currency": "AUD",
        "additionalInfo": "per attendance plus any amounts incurred by us in attending such requests, such as valuation fees, mortgage insurance premium, lender   s risk and processing fee, legal costs, document custodian charges, titles office fees and electronic processing fees all of which are unascertainable at the disclosure date."
      },
      {
        "name": "ARREARS_FEE",
        "feeType": "EVENT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "40.00"
        },
        "currency": "AUD",
        "additionalInfo": "Payable in each instance you are in default under this contract. This fee will be debited to your loan account on the next business day."
      },
      {
        "name": "INSURANCE_COLLECTION_FEE",
        "feeType": "EVENT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "40.00"
        },
        "currency": "AUD",
        "additionalInfo": "Payable in addition to the premium, when we pay the premium for insurance over any security property on your behalf."
      },
      {
        "name": "EVIDENCE_RETRIEVAL_FEE",
        "feeType": "EVENT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "20.00"
        },
        "currency": "AUD",
        "additionalInfo": "Applies where you request us to retrieve the paper item or evidence supporting a transaction. The fee is debited to your account when the required documentation is provided to you. Please note that the fee is not applicable where evidence shows that you did not initiate the transaction."
      },
      {
        "name": "CHEQUE_DISHONOUR_(INWARD)_FEE",
        "feeType": "EVENT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "12.00"
        },
        "currency": "AUD",
        "additionalInfo": "Applies where a cheque paid into your account with us is dishonoured. The fee is debited to your account on the date of dishonour.",
        "additionalInfoUri": "https://bankofus.com.au/source-assets/documents/compliance/Fees-and-Charges-Schedule-1-July-2021.pdf"
      },
      {
        "name": "DUPLICATE_STATEMENT_FEE",
        "feeType": "EVENT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "5.00"
        },
        "currency": "AUD",
        "additionalInfo": "Payable for each duplicate paper copy of your monthly statement you request. Charged at the time of your request."
      },
      {
        "name": "DISCHARGE_FEE",
        "feeType": "EVENT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "395.00"
        },
        "currency": "AUD",
        "additionalInfo": "Payable when we agree to discharge any security."
      }
    ],
    "lendingRates": [
      {
        "lendingRateType": "VARIABLE",
        "rate": "0.0629",
        "comparisonRate": "0.0657",
        "calculationFrequency": "P1D",
        "applicationType": "PERIODIC",
        "applicationFrequency": "P1M",
        "interestPaymentDue": "IN_ARREARS",
        "repaymentType": "PRINCIPAL_AND_INTEREST",
        "loanPurpose": "INVESTMENT",
        "additionalInfoUri": "https://bankofus.com.au/personal-loan-interest-rates"
      }
    ],
    "productId": "ResiSecuredPL",
    "lastUpdated": "2026-04-13T22:34:20.000+10:00",
    "productCategory": "PERS_LOANS",
    "name": "RESIDENTIALLY SECURED PERSONAL LOAN",
    "description": "This personal loan is designed for current Bank of us home loan customers needing extra funds for any worthwhile purpose  - and all at a discounted rate.",
    "brand": "BNE LTD",
    "brandName": "Bank of us",
    "applicationUri": "https://bankofus.com.au/personal-loans",
    "isTailored": false,
    "additionalInformation": {
      "overviewUri": "https://bankofus.com.au/personal-loans",
      "termsUri": "https://bankofus.com.au/source-assets/documents/compliance/Consumer-Standard-Terms-and-Conditions.pdf",
      "eligibilityUri": "https://bankofus.com.au/personal-loans",
      "feesAndPricingUri": "https://bankofus.com.au/personal-loan-interest-rates"
    }
  }
}