{
  "source": "https://ib.bankvic.com.au/openbanking/cds-au/v1/banking/products/L7_Investment_Varioable_Rate_IC76",
  "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": "REDRAW"
      },
      {
        "featureType": "INSURANCE",
        "additionalValue": "No-obligation quotes for insurance (with an option of 90 days free building insurance cover during settlement period)"
      },
      {
        "featureType": "EXTRA_REPAYMENTS",
        "additionalInfo": "Unlimited additional repayments"
      }
    ],
    "constraints": [
      {
        "constraintType": "MIN_LIMIT",
        "additionalValue": "20000.00"
      }
    ],
    "eligibility": [
      {
        "eligibilityType": "EMPLOYMENT_STATUS",
        "additionalValue": "PAYG income and be outside any probationary periods of employment"
      },
      {
        "eligibilityType": "RESIDENCY_STATUS",
        "additionalValue": "Australian citizen"
      },
      {
        "eligibilityType": "OTHER",
        "additionalInfo": "Member of BankVic"
      },
      {
        "eligibilityType": "MIN_AGE",
        "additionalValue": "18"
      }
    ],
    "fees": [
      {
        "name": "MORTGAGE_ESTABLISHMENT_FEE",
        "feeType": "UPFRONT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "600.00"
        },
        "currency": "AUD",
        "additionalInfo": "Includes valuation, solicitor   s fees, one Torrens title search and mortgage preparation costs. If applicable, the following fees may be summarised and presented as an Establishment Fee"
      },
      {
        "name": "MORTGAGE_ESTABLISHMENT_FEE_EXISTING_LOAN",
        "feeType": "UPFRONT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "300.00"
        },
        "currency": "AUD",
        "additionalInfo": "Includes, solicitor   s fees, one Torrens title search and mortgage preparation costs. If applicable, the following fees may be summarised and presented as an Establishment Fee"
      },
      {
        "name": "PRODUCTION_OF_TITLE_FEE",
        "feeType": "UPFRONT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "330.00"
        },
        "currency": "AUD",
        "additionalInfo": "Request to revise Certificate of Title held by BankVic requires consent to mortgage, ownership, including subdivisions, second mortgages, caveats in Victoria only (fee can differ in other states)"
      },
      {
        "name": "SWITCHING_LOAN_PRODUCTS",
        "feeType": "UPFRONT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "200.00"
        },
        "currency": "AUD",
        "additionalInfo": "Loan switching payable when we agree to your request to change your type of home loan or your interest rate."
      },
      {
        "name": "TOP-UP_FEE",
        "feeType": "UPFRONT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "200.00"
        },
        "currency": "AUD",
        "additionalInfo": "Increase in loan amount with no valuation required. This top-up fee is waived when a standard metro valuation is required for an increase in loan amount."
      },
      {
        "name": "REPRESENTATION_FEE",
        "feeType": "EVENT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "99.00"
        },
        "currency": "AUD",
        "additionalInfo": "Attendance at settlement by BankVic or its representative"
      },
      {
        "name": "SECURITY_SUBSTITUTION_FEE",
        "feeType": "EVENT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "400.00"
        },
        "currency": "AUD",
        "additionalInfo": "Exclusive of government and other charges"
      },
      {
        "name": "DISCHARGE_FEE",
        "feeType": "EVENT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "295.00"
        },
        "currency": "AUD",
        "additionalInfo": "Payable upon payout of your loan if you request to discharge the mortgage. Exclusive of government and other charge"
      },
      {
        "name": "TITLE_SEARCH_FEE",
        "feeType": "EVENT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "25.00"
        },
        "currency": "AUD",
        "additionalInfo": "Torrens title, where additional searches required"
      },
      {
        "name": "FINANCIAL_INSTITUTION_CHEQUE",
        "feeType": "TRANSACTION",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "0.00"
        },
        "currency": "AUD"
      },
      {
        "name": "REDRAW",
        "feeType": "TRANSACTION",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "0.00"
        },
        "currency": "AUD",
        "additionalInfo": "Only available with variable rate home loans. Minimum transaction at $50"
      },
      {
        "name": "VALUATION_FEE",
        "feeType": "UPFRONT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "300.00"
        },
        "currency": "AUD",
        "additionalInfo": "Only charged when a standard metro valuation is needed for setup or if additional valuation is required. If applicable, this fee may be summarised and presented as an Establishment Fee"
      },
      {
        "name": "VALUATION_FEE_-_NON_STANDARD",
        "feeType": "CASH_ADVANCE",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "0.00"
        },
        "currency": "AUD",
        "additionalInfo": "At Cost Valuation for Non-Standard (e.g. Country, Interstate or High Value)",
        "additionalInfoUri": "https://cdn.intelligencebank.com/au/share/NZw2/RVzr/dwqA/original/Fees+and+Charges"
      }
    ],
    "lendingRates": [
      {
        "lendingRateType": "VARIABLE",
        "rate": "0.063",
        "comparisonRate": "0.0635",
        "calculationFrequency": "P1D",
        "applicationType": "PERIODIC",
        "applicationFrequency": "P1M",
        "interestPaymentDue": "IN_ARREARS",
        "repaymentType": "PRINCIPAL_AND_INTEREST",
        "loanPurpose": "INVESTMENT"
      }
    ],
    "productId": "L7_Investment_Varioable_Rate_IC76",
    "lastUpdated": "2026-05-19T07:54:54.000+10:00",
    "productCategory": "RESIDENTIAL_MORTGAGES",
    "name": "Investor Variable Rate Home Loan",
    "description": "Home loans with more than just low rates",
    "brand": "BankVic",
    "brandName": "BankVic",
    "applicationUri": "https://www.bankvic.com.au/apply-home-loan",
    "isTailored": false,
    "additionalInformation": {
      "overviewUri": "https://www.bankvic.com.au/home-buying/investor",
      "termsUri": "https://cdn.intelligencebank.com/au/share/NZw2/RVzr/yzJw/original/BankVic+Terms+%2526+Conditions",
      "eligibilityUri": "https://www.bankvic.com.au/home-buying/investor",
      "feesAndPricingUri": "https://cdn.intelligencebank.com/au/share/NZw2/RVzr/dwqA/original/Fees+and+Charges"
    }
  }
}