{
  "source": "https://api.cdr.bendigobank.com.au/cds-au/v1/banking/products/b0e53612-1ba1-4f76-a5be-7ead098d6c39",
  "note": "Product Reference Data published by the data holder under the Consumer Data Right, as cached by this site (refreshed every 6 hours).",
  "data": {
    "effectiveFrom": "2023-11-16T13:31:00.000Z",
    "lastUpdated": "2026-07-07T06:33:15.490Z",
    "productCategory": "RESIDENTIAL_MORTGAGES",
    "name": "Bendigo Bridging Home Loan",
    "description": "A Bridging home loan offers you an easy way to purchase a new home before you sell your existing home. \n\n",
    "productId": "b0e53612-1ba1-4f76-a5be-7ead098d6c39",
    "brandName": "Bendigo Bank",
    "applicationUri": "https://apply.bendigobank.com.au/bendigoapply/servlet/SmartForm.html?formCode=home-loan-pq",
    "isTailored": false,
    "bundles": [],
    "cardArt": [],
    "features": [
      {
        "featureType": "OFFSET",
        "additionalInfo": " 100% Offset Account per loan"
      },
      {
        "featureType": "EXTRA_REPAYMENTS",
        "additionalInfo": "Unlimited additional repayments if variable"
      }
    ],
    "constraints": [
      {
        "constraintType": "MIN_LIMIT",
        "additionalValue": "5000.00"
      },
      {
        "constraintType": "MAX_LVR",
        "additionalValue": "0.8"
      }
    ],
    "eligibility": [
      {
        "eligibilityType": "MIN_AGE",
        "additionalValue": "18"
      },
      {
        "eligibilityType": "OTHER",
        "additionalInfo": "Credit and Lending Criteria, Fees and Charges Apply"
      }
    ],
    "fees": [
      {
        "name": " Search Processing Fee",
        "feeType": "UPFRONT",
        "feeMethodUType": "fixedAmount",
        "additionalInfo": " Payable for the bank to perform a title search or other searches relating to your application.",
        "discounts": [],
        "fixedAmount": {
          "amount": "50.000000"
        }
      },
      {
        "name": "Valuation Fee",
        "feeType": "EVENT",
        "feeMethodUType": "variable",
        "additionalInfo": " The cost of having the security valued by a third party (this can vary depending upon the location and access available to the property).",
        "discounts": []
      },
      {
        "name": "Agent Lodgement Fee ",
        "feeType": "EVENT",
        "feeMethodUType": "fixedAmount",
        "additionalInfo": "Payable for an agent of the bank to attend the settlement of your property or lodging the security interests attached to your loan",
        "discounts": [],
        "fixedAmount": {
          "amount": "125.000000"
        }
      },
      {
        "name": "Monthly Fee",
        "feeType": "PERIODIC",
        "feeMethodUType": "fixedAmount",
        "additionalValue": "P1M",
        "discounts": [],
        "fixedAmount": {
          "amount": "10.000000"
        }
      },
      {
        "name": "Discharge Administration Fee",
        "feeType": "EXIT",
        "feeMethodUType": "fixedAmount",
        "discounts": [],
        "fixedAmount": {
          "amount": "350.000000"
        }
      },
      {
        "name": "Variation Fee - Simple",
        "feeType": "EVENT",
        "feeMethodUType": "fixedAmount",
        "discounts": [],
        "fixedAmount": {
          "amount": "150.000000"
        }
      },
      {
        "name": "Variation Fee - Complex",
        "feeType": "EVENT",
        "feeMethodUType": "fixedAmount",
        "discounts": [],
        "fixedAmount": {
          "amount": "300.000000"
        }
      },
      {
        "name": "Building Loan Fee - Contract Builder",
        "feeType": "UPFRONT",
        "feeMethodUType": "fixedAmount",
        "discounts": [],
        "fixedAmount": {
          "amount": "100.000000"
        }
      },
      {
        "name": "Building Loan Fee - Owner Builder",
        "feeType": "UPFRONT",
        "feeMethodUType": "fixedAmount",
        "discounts": [],
        "fixedAmount": {
          "amount": "200.000000"
        }
      },
      {
        "name": "Guarantee Administration Fee",
        "feeType": "UPFRONT",
        "feeMethodUType": "fixedAmount",
        "discounts": [],
        "fixedAmount": {
          "amount": "250.000000"
        }
      },
      {
        "name": "Rate Variation Fee (to renegotiate Rate)",
        "feeType": "EVENT",
        "feeMethodUType": "fixedAmount",
        "discounts": [],
        "fixedAmount": {
          "amount": "100.000000"
        }
      },
      {
        "name": "Repayment Recalculation Fee",
        "feeType": "EVENT",
        "feeMethodUType": "fixedAmount",
        "discounts": [],
        "fixedAmount": {
          "amount": "50.000000"
        }
      },
      {
        "name": "Interest Prepayment Fee",
        "feeType": "PAYMENT",
        "feeMethodUType": "fixedAmount",
        "discounts": [],
        "fixedAmount": {
          "amount": "85.000000"
        }
      },
      {
        "name": "Default Fee",
        "feeType": "EVENT",
        "feeMethodUType": "fixedAmount",
        "discounts": [],
        "fixedAmount": {
          "amount": "35.000000"
        }
      },
      {
        "name": "Duplicate Fee",
        "feeType": "EVENT",
        "feeMethodUType": "fixedAmount",
        "discounts": [],
        "fixedAmount": {
          "amount": "16.500000"
        }
      },
      {
        "name": "Bank Cheque Fee",
        "feeType": "EVENT",
        "feeMethodUType": "fixedAmount",
        "discounts": [],
        "fixedAmount": {
          "amount": "10.000000"
        }
      },
      {
        "name": "Application Fee",
        "feeType": "UPFRONT",
        "feeMethodUType": "fixedAmount",
        "additionalInfo": " Incurred when you apply for a new loan, additional funds on your current loan or when changing your loan.\n",
        "discounts": [],
        "fixedAmount": {
          "amount": "150.000000"
        }
      },
      {
        "name": "Documentation Fee",
        "feeType": "UPFRONT",
        "feeMethodUType": "variable",
        "additionalInfo": "The cost of preparing the loan documents for your new loan or application. The amount varies based on the complexity of the loan application.\n",
        "discounts": []
      },
      {
        "name": "Settlement Fee ",
        "feeType": "UPFRONT",
        "feeMethodUType": "fixedAmount",
        "additionalInfo": "To process the settlement of your loan, additional funds on your current loan or when changing your loan.\n",
        "discounts": [],
        "fixedAmount": {
          "amount": "100.000000"
        }
      }
    ],
    "depositRates": [],
    "lendingRates": [
      {
        "lendingRateType": "VARIABLE",
        "rate": "0.1029000000000000",
        "comparisonRate": "0.1043000000000000",
        "calculationFrequency": "P1D",
        "applicationFrequency": "P1M",
        "interestPaymentDue": "IN_ARREARS",
        "repaymentType": "INTEREST_ONLY",
        "loanPurpose": "OWNER_OCCUPIED",
        "applicationType": "PERIODIC"
      },
      {
        "lendingRateType": "VARIABLE",
        "rate": "0.1029000000000000",
        "comparisonRate": "0.1043000000000000",
        "calculationFrequency": "P1D",
        "applicationFrequency": "P1M",
        "interestPaymentDue": "IN_ARREARS",
        "repaymentType": "INTEREST_ONLY",
        "loanPurpose": "INVESTMENT",
        "applicationType": "PERIODIC"
      }
    ],
    "brand": "BENDIGO"
  }
}