{
  "source": "https://public.cdr.api.beyondbank.com.au/cds-au/v1/banking/products/36",
  "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": "36",
    "effectiveFrom": "2001-07-16T14:30:00.0000000Z",
    "lastUpdated": "2026-07-16T08:00:31.2032296Z",
    "productCategory": "RESIDENTIAL_MORTGAGES",
    "name": "Home Buyers Scheme Home Loan",
    "description": "A Home Buyer Scheme Home Loan is an exclusive package for first home buyers. Benefit from a lower deposit required, a choice of fixed or variable rate, and the flexibility for your loan to grow with you.",
    "brand": "BYD",
    "brandName": "Beyond Bank Australia",
    "applicationUri": "https://www.beyondbank.com.au/home-loans/guides/buying-your-first-home/first-home-buyers-package/",
    "isTailored": false,
    "additionalInformation": {
      "overviewUri": "https://www.beyondbank.com.au/home-loans/guides/buying-your-first-home/first-home-buyers-package/",
      "termsUri": "https://www.beyondbank.com.au/home-loans/guides/buying-your-first-home/first-home-buyers-package/",
      "eligibilityUri": "https://www.beyondbank.com.au/home-loans/guides/buying-your-first-home/first-home-buyers-package/",
      "feesAndPricingUri": "https://www.beyondbank.com.au/home-loans/guides/buying-your-first-home/first-home-buyers-package/"
    },
    "features": [
      {
        "featureType": "DIGITAL_BANKING",
        "additionalInfo": "Access your money 24/7 through Internet Banking, Telephone Banking or Mobile Banking services.",
        "additionalInfoUri": "https://www.beyondbank.com.au/bank-and-save/switch-to-beyond-bank/internet-banking"
      },
      {
        "featureType": "EXTRA_REPAYMENTS",
        "additionalInfo": "Additional Repayments: make unlimited additional repayments to your loan when on a variable interest rate; or make up to $25,000 p.a. in additional repayments to your loan when in a fixed rate without penalty.",
        "additionalInfoUri": "https://www.beyondbank.com.au/home-loans/guides/buying-your-first-home/first-home-buyers-package/"
      },
      {
        "featureType": "OFFSET",
        "additionalInfo": "Offset optional:  Multiple Offset Accounts can be linked to a Variable Loan.  The balance in this account reduces the interest you pay on your mortgage."
      },
      {
        "featureType": "OTHER",
        "additionalInfo": "LVR: Borrow up to 95% of the value of the property (inclusive of LMI). Exclusive to first home buyers participating in the Australian Government 5% Deposit Scheme only."
      },
      {
        "featureType": "OTHER",
        "additionalInfo": "Split Loan: A split loan gives you the stability of a fixed interest rate plus the flexibility of a variable interest rate.",
        "additionalInfoUri": "https://www.beyondbank.com.au/tools-and-calculators/loan-comparison/"
      },
      {
        "featureType": "REDRAW",
        "additionalInfo": "Redraw payments made in advance at any time through Internet and Mobile Banking.  Minimum redraw amount is $500.",
        "additionalInfoUri": "https://www.beyondbank.com.au/home-loans/guides/buying-your-first-home/first-home-buyers-package/"
      }
    ],
    "constraints": [
      {
        "constraintType": "MAX_LIMIT",
        "additionalValue": "2000000.00"
      },
      {
        "constraintType": "MAX_LVR",
        "additionalValue": "0.95"
      },
      {
        "constraintType": "MIN_LIMIT",
        "additionalValue": "50000.00"
      },
      {
        "constraintType": "MIN_LVR",
        "additionalValue": "0.00"
      }
    ],
    "eligibility": [
      {
        "eligibilityType": "EMPLOYMENT_STATUS",
        "additionalValue": "Lending criteria, requirements and terms and conditions apply"
      },
      {
        "eligibilityType": "MIN_AGE",
        "additionalValue": "18",
        "additionalInfo": "Available for customers aged 18 years and over"
      },
      {
        "eligibilityType": "NATURAL_PERSON"
      },
      {
        "eligibilityType": "OTHER",
        "additionalInfo": "Membership:  You must be or become a Beyond Bank Australia member."
      },
      {
        "eligibilityType": "OTHER",
        "additionalInfo": "Lending criteria applies. Terms, conditions, fees and charges apply."
      },
      {
        "eligibilityType": "OTHER",
        "additionalInfo": "Eligibility: This package is exclusive to first home buyers participating in the Australian Government 5% Deposit   \r\nScheme only. Applicants may need to complete a statutory declaration of application or provide evidence of first home buyer status at our request.  Conditions apply.",
        "additionalInfoUri": "https://www.beyondbank.com.au/home-loans/guides/buying-your-first-home/first-home-buyers-package/"
      },
      {
        "eligibilityType": "RESIDENCY_STATUS",
        "additionalValue": "Australian Citizen",
        "additionalInfo": "Must be an Australian citizen, permanent Australian resident or hold a Visa. If a Visa holder's income is relied upon to determine serviceability, the term of the Visa must exceed the term of the loan."
      }
    ],
    "fees": [
      {
        "name": "Total Home Loan Package Fee",
        "feeType": "PERIODIC",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "395.00"
        },
        "currency": "AUD",
        "additionalValue": "P1Y",
        "additionalInfo": "This fee is charged annually for those who have a Total Home Loan Package.",
        "additionalInfoUri": "https://www.beyondbank.com.au/home-loans/guides/buying-your-first-home/first-home-buyers-package/"
      },
      {
        "name": "Building / Bridging Establishment Fee",
        "feeType": "UPFRONT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "890.00"
        },
        "currency": "AUD",
        "additionalInfo": "Payable on the establishment of a building or bridging loan"
      },
      {
        "name": "Mortgage Loan Establishment Fee",
        "feeType": "UPFRONT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "445.00"
        },
        "currency": "AUD",
        "additionalInfo": "This fee is payable on establishment of the loan.",
        "additionalInfoUri": "https://www.beyondbank.com.au/home-loans/guides/buying-your-first-home/first-home-buyers-package/",
        "discounts": [
          {
            "description": "No Mortgage Loan Establishment Fee - Home Buyer Scheme Total Home Loan Package",
            "discountType": "ELIGIBILITY_ONLY",
            "discountMethodUType": "fixedAmount",
            "fixedAmount": {
              "amount": "445.00"
            },
            "eligibility": [
              {
                "discountEligibilityType": "OTHER",
                "additionalInfo": "This fee is waived on Home Buyer Scheme Total Home Loan Package loans.",
                "additionalInfoUri": "https://www.beyondbank.com.au/home-loans/guides/buying-your-first-home/first-home-buyers-package/"
              }
            ]
          }
        ]
      },
      {
        "name": "Mortgage Discharge, Settlement or Partial Discharge Fee",
        "feeType": "EVENT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "350.00"
        },
        "currency": "AUD",
        "additionalInfo": "Payable whenever a mortgage is discharged or partially discharged",
        "additionalInfoUri": "https://www.beyondbank.com.au/home-loans/guides/buying-your-first-home/first-home-buyers-package/"
      },
      {
        "name": "Loan Variation Documentation fee",
        "feeType": "UPFRONT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "345.00"
        },
        "currency": "AUD",
        "additionalInfo": "This fee is payable when a property already held by us as security is to be used as security for additional credit.",
        "additionalInfoUri": "https://www.beyondbank.com.au/home-loans/guides/buying-your-first-home/first-home-buyers-package/",
        "discounts": [
          {
            "description": "No Loan Variation Documentation fee - Home Buyer Scheme Total Home Loan Package",
            "discountType": "ELIGIBILITY_ONLY",
            "discountMethodUType": "fixedAmount",
            "fixedAmount": {
              "amount": "345.00"
            },
            "eligibility": [
              {
                "discountEligibilityType": "OTHER",
                "additionalInfo": "This fee is waived on Home Buyer Scheme Total Home Loan Package loans.",
                "additionalInfoUri": "https://www.beyondbank.com.au/home-loans/guides/buying-your-first-home/first-home-buyers-package/"
              }
            ]
          }
        ]
      },
      {
        "name": "Reg of Mortgage fee - SA",
        "feeType": "UPFRONT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "204.00"
        },
        "currency": "AUD"
      },
      {
        "name": "Reg of Discharge fee - SA",
        "feeType": "EVENT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "204.00"
        },
        "currency": "AUD"
      },
      {
        "name": "Redraw (staff-assisted) Fee",
        "feeType": "TRANSACTION",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "35.00"
        },
        "currency": "AUD",
        "additionalInfo": "This fee is payable for each staff-assisted redraw.",
        "additionalInfoUri": "https://www.beyondbank.com.au/home-loans/guides/buying-your-first-home/first-home-buyers-package/"
      },
      {
        "name": "Redraw (online) fee",
        "feeType": "TRANSACTION",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "0.00"
        },
        "currency": "AUD",
        "additionalInfo": "Online redraw via Internet or Mobile Banking is free.",
        "additionalInfoUri": "https://www.beyondbank.com.au/home-loans/guides/buying-your-first-home/first-home-buyers-package/"
      },
      {
        "name": "Default Notice Fee",
        "feeType": "EVENT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "20.00"
        },
        "currency": "AUD",
        "additionalInfo": "This fee is payable whenever we send you a default notice because you have defaulted under the contract or related mortgage.",
        "additionalInfoUri": "https://www.beyondbank.com.au/home-loans/guides/buying-your-first-home/first-home-buyers-package/"
      },
      {
        "name": "Hold Fixed Interest Rate",
        "feeType": "UPFRONT",
        "feeMethodUType": "rateBased",
        "rateBased": {
          "rateType": "BALANCE",
          "rate": "0.0015",
          "amountRange": {
            "feeMinimum": "75.00",
            "feeMaximum": "3000.00"
          }
        },
        "currency": "AUD",
        "additionalInfo": "The amount of this fee is 0.15% of the loan amount and is payable should you wish to hold a fixed interest rate from time of loan application to settlement. The minimum and maximum amounts are intended as guidelines; your actual fees may vary based on your personal circumstances.",
        "additionalInfoUri": "https://www.beyondbank.com.au/home-loans/guides/buying-your-first-home/first-home-buyers-package/"
      },
      {
        "name": "Rate Variation Fee",
        "feeType": "EVENT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "150.00"
        },
        "currency": "AUD",
        "additionalInfo": "This fee is payable each time you ask us to vary the type of interest rate (variable to fixed or vice versa) or refix your loan.",
        "additionalInfoUri": "https://www.beyondbank.com.au/home-loans/guides/buying-your-first-home/first-home-buyers-package/",
        "discounts": [
          {
            "description": "No Rate Variation fee - Home Buyer Scheme Total Home Loan Package",
            "discountType": "ELIGIBILITY_ONLY",
            "discountMethodUType": "fixedAmount",
            "fixedAmount": {
              "amount": "150.00"
            },
            "eligibility": [
              {
                "discountEligibilityType": "OTHER",
                "additionalInfo": "This fee is waived on Home Buyer Scheme Total Home Loan Package loans.",
                "additionalInfoUri": "https://www.beyondbank.com.au/home-loans/guides/buying-your-first-home/first-home-buyers-package/"
              }
            ]
          }
        ]
      },
      {
        "name": "Mortgage Loan Settlement Fee (a)",
        "feeType": "UPFRONT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "200.00"
        },
        "currency": "AUD",
        "additionalInfo": "This fee is payable for a new loan settled.",
        "additionalInfoUri": "https://www.beyondbank.com.au/home-loans/guides/buying-your-first-home/first-home-buyers-package/",
        "discounts": [
          {
            "description": "No Mortgage Loan Settlement Fee (a) - Home Buyer Scheme Total Home Loan Package",
            "discountType": "ELIGIBILITY_ONLY",
            "discountMethodUType": "fixedAmount",
            "fixedAmount": {
              "amount": "200.00"
            },
            "eligibility": [
              {
                "discountEligibilityType": "OTHER",
                "additionalInfo": "This fee is waived on Home Buyer Scheme Total Home Loan Package loans.",
                "additionalInfoUri": "https://www.beyondbank.com.au/home-loans/guides/buying-your-first-home/first-home-buyers-package/"
              }
            ]
          }
        ]
      },
      {
        "name": "Mortgage Loan Settlement Fee (b)",
        "feeType": "UPFRONT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "150.00"
        },
        "currency": "AUD",
        "additionalInfo": "This fee is payable for each loan variation or top up settled.",
        "additionalInfoUri": "https://www.beyondbank.com.au/home-loans/guides/buying-your-first-home/first-home-buyers-package/",
        "discounts": [
          {
            "description": "No Mortgage Loan Settlement Fee (b) - Home Buyer SchemeTotal Home Loan Package",
            "discountType": "ELIGIBILITY_ONLY",
            "discountMethodUType": "fixedAmount",
            "fixedAmount": {
              "amount": "150.00"
            },
            "eligibility": [
              {
                "discountEligibilityType": "OTHER",
                "additionalInfo": "This fee is waived on Home Buyer Scheme Total Home Loan Package loans.",
                "additionalInfoUri": "https://www.beyondbank.com.au/home-loans/guides/buying-your-first-home/first-home-buyers-package/"
              }
            ]
          }
        ]
      },
      {
        "name": "Reg of Mortgage fee - NSW",
        "feeType": "UPFRONT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "182.73"
        },
        "currency": "AUD"
      },
      {
        "name": "Reg of Transfer fee - NSW",
        "feeType": "UPFRONT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "182.73"
        },
        "currency": "AUD"
      },
      {
        "name": "Security Handling Fee",
        "feeType": "UPFRONT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "150.00"
        },
        "currency": "AUD",
        "additionalInfo": "This fee is payable if you ask us to prepare documentation to note a change of your name on the title, or produce your land title.",
        "additionalInfoUri": "https://www.beyondbank.com.au/home-loans/guides/buying-your-first-home/first-home-buyers-package/"
      },
      {
        "name": "Additional Security Fee",
        "feeType": "UPFRONT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "150.00"
        },
        "currency": "AUD",
        "additionalInfo": "This fee is payable when we prepare any security in addition to the mortgage over the primary mortgaged property.",
        "additionalInfoUri": "https://www.beyondbank.com.au/home-loans/guides/buying-your-first-home/first-home-buyers-package/"
      },
      {
        "name": "Search Fee",
        "feeType": "UPFRONT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "35.00"
        },
        "currency": "AUD",
        "additionalInfo": "This fee is payable for each search we conduct in relation to a loan or security.",
        "additionalInfoUri": "https://www.beyondbank.com.au/home-loans/guides/buying-your-first-home/first-home-buyers-package/"
      },
      {
        "name": "Default fee on Home and Investment Loan - on the 8th day",
        "feeType": "EVENT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "20.00"
        },
        "currency": "AUD",
        "additionalInfo": "This fee is payable on the 8th day you are in default.",
        "additionalInfoUri": "https://www.beyondbank.com.au/home-loans/guides/buying-your-first-home/first-home-buyers-package/"
      },
      {
        "name": "Default fee on Home and Investment Loan - every 14th day thereafter",
        "feeType": "EVENT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "25.00"
        },
        "currency": "AUD",
        "additionalInfo": "This fee is payable every 14th day thereafter for so long as you remain in default.",
        "additionalInfoUri": "https://www.beyondbank.com.au/home-loans/guides/buying-your-first-home/first-home-buyers-package/"
      }
    ],
    "lendingRates": [
      {
        "lendingRateType": "FIXED",
        "rate": "0.0629",
        "comparisonRate": "0.0695",
        "calculationFrequency": "P1D",
        "applicationType": "PERIODIC",
        "applicationFrequency": "P1M",
        "interestPaymentDue": "IN_ARREARS",
        "repaymentType": "PRINCIPAL_AND_INTEREST",
        "loanPurpose": "OWNER_OCCUPIED",
        "additionalValue": "P1Y",
        "additionalInfo": "Home Buyer Scheme Total Home Loan Package. Owner occupied, principal & interest, LVR >0 - <=95% & a minimum of $50,000 new money. Only available to participants in the Australian Government 5% Deposit Scheme . Conditions apply.",
        "additionalInfoUri": "https://www.beyondbank.com.au/home-loans/guides/buying-your-first-home/first-home-buyers-package/"
      },
      {
        "lendingRateType": "FIXED",
        "rate": "0.0639",
        "comparisonRate": "0.0693",
        "calculationFrequency": "P1D",
        "applicationType": "PERIODIC",
        "applicationFrequency": "P1M",
        "interestPaymentDue": "IN_ARREARS",
        "repaymentType": "PRINCIPAL_AND_INTEREST",
        "loanPurpose": "OWNER_OCCUPIED",
        "additionalValue": "P2Y",
        "additionalInfo": "Home Buyer Scheme Total Home Loan Package. Owner occupied, principal & interest, LVR >0 - <=95% & a minimum of $50,000 new money. Only available to participants in the Australian Government 5% Deposit Scheme. Conditions apply.",
        "additionalInfoUri": "https://www.beyondbank.com.au/home-loans/guides/buying-your-first-home/first-home-buyers-package/"
      },
      {
        "lendingRateType": "FIXED",
        "rate": "0.0659",
        "comparisonRate": "0.0697",
        "calculationFrequency": "P1D",
        "applicationType": "PERIODIC",
        "applicationFrequency": "P1M",
        "interestPaymentDue": "IN_ARREARS",
        "repaymentType": "PRINCIPAL_AND_INTEREST",
        "loanPurpose": "OWNER_OCCUPIED",
        "additionalValue": "P3Y",
        "additionalInfo": "Home Buyer Scheme Total Home Loan Package. Owner occupied, principal & interest, LVR >0 - <=95% & a minimum of $50,000 new money. Only available to participants in the Australian Government 5% Deposit Scheme. Conditions apply.",
        "additionalInfoUri": "https://www.beyondbank.com.au/home-loans/guides/buying-your-first-home/first-home-buyers-package/"
      },
      {
        "lendingRateType": "VARIABLE",
        "rate": "0.0624",
        "comparisonRate": "0.0659",
        "calculationFrequency": "P1M",
        "applicationType": "PERIODIC",
        "applicationFrequency": "P1M",
        "interestPaymentDue": "IN_ARREARS",
        "repaymentType": "PRINCIPAL_AND_INTEREST",
        "loanPurpose": "OWNER_OCCUPIED",
        "additionalInfo": "Home Buyer Scheme Total Home Loan Package. Owner occupied, principal & interest, LVR >0 - <=95% & a minimum of $50,000 new money. Only available to participants in the Australian Government 5% Deposit Scheme. Conditions apply.",
        "additionalInfoUri": "https://www.beyondbank.com.au/home-loans/guides/buying-your-first-home/first-home-buyers-package/"
      },
      {
        "lendingRateType": "VARIABLE",
        "rate": "0.0644",
        "comparisonRate": "0.0685",
        "calculationFrequency": "P1D",
        "applicationType": "PERIODIC",
        "applicationFrequency": "P1M",
        "interestPaymentDue": "IN_ARREARS",
        "repaymentType": "INTEREST_ONLY",
        "loanPurpose": "OWNER_OCCUPIED",
        "additionalInfo": "Home Buyer Scheme Total Home Loan Package Building Loan. Owner occupied, interest only, LVR >0 - <=95%, a minimum loan amount of $50,000 new money. Only available to participants in the Australian Government 5% Deposit Scheme. Conditions apply.",
        "additionalInfoUri": "https://www.beyondbank.com.au/home-loans/guides/buying-your-first-home/first-home-buyers-package/"
      }
    ]
  }
}