{
  "source": "https://public.cdr.api.beyondbank.com.au/cds-au/v1/banking/products/37",
  "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": "37",
    "effectiveFrom": "2020-12-13T13:30:00.0000000Z",
    "lastUpdated": "2026-06-09T12:00:31.0688821Z",
    "productCategory": "RESIDENTIAL_MORTGAGES",
    "name": "Purple Basic Vbl Home Loan",
    "description": "The Purple Basic Variable Home Loan is a simple home loan with a low interest rate, offering great value.",
    "brand": "BYD",
    "brandName": "Beyond Bank Australia",
    "applicationUri": "https://www.beyondbank.com.au/home-loans/purple-basic-variable-home-loan/",
    "isTailored": false,
    "additionalInformation": {
      "overviewUri": "https://www.beyondbank.com.au/home-loans/purple-basic-variable-home-loan/",
      "termsUri": "https://www.beyondbank.com.au/home-loans/purple-basic-variable-home-loan/",
      "eligibilityUri": "https://www.beyondbank.com.au/home-loans/purple-basic-variable-home-loan/",
      "feesAndPricingUri": "https://www.beyondbank.com.au/home-loans/purple-basic-variable-home-loan/"
    },
    "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/home-loans/purple-basic-variable-home-loan/"
      },
      {
        "featureType": "EXTRA_REPAYMENTS",
        "additionalInfo": "Additional Repayments:  make unlimited additional repayments to your loan.",
        "additionalInfoUri": "https://www.beyondbank.com.au/home-loans/purple-basic-variable-home-loan/"
      },
      {
        "featureType": "OTHER",
        "additionalInfo": "Pre-Approval:  120 day pre-approval so you can search with confidence.",
        "additionalInfoUri": "https://www.beyondbank.com.au/home-loans/purple-basic-variable-home-loan/"
      },
      {
        "featureType": "REDRAW",
        "additionalInfo": "Redraw payments made in advance at any time through Internet and Mobile Banking.  There is no minimum redraw amount.",
        "additionalInfoUri": "https://www.beyondbank.com.au/home-loans/purple-basic-variable-home-loan/"
      }
    ],
    "constraints": [
      {
        "constraintType": "MAX_LIMIT",
        "additionalValue": "2000000.00"
      },
      {
        "constraintType": "MAX_LVR",
        "additionalValue": "0.90"
      },
      {
        "constraintType": "MIN_LIMIT",
        "additionalValue": "150000.00"
      },
      {
        "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.",
        "additionalInfoUri": "https://www.beyondbank.com.au/home-loans/purple-basic-variable-home-loan/"
      },
      {
        "eligibilityType": "OTHER",
        "additionalInfo": "Lending criteria, requirements and terms and conditions apply",
        "additionalInfoUri": "https://www.beyondbank.com.au/home-loans/purple-basic-variable-home-loan/"
      },
      {
        "eligibilityType": "OTHER",
        "additionalInfo": "LVR:  Borrow up to 90% of the value of the property (inclusive of LMI). Conditions apply.",
        "additionalInfoUri": "https://www.beyondbank.com.au/home-loans/purple-basic-variable-home-loan/"
      },
      {
        "eligibilityType": "OTHER",
        "additionalInfo": "Security:  A single residential property or cross collateral security permitted.",
        "additionalInfoUri": "https://www.beyondbank.com.au/home-loans/purple-basic-variable-home-loan/"
      },
      {
        "eligibilityType": "PENSION_RECIPIENT",
        "additionalInfo": "Lending criteria, requirements and terms and conditions apply"
      },
      {
        "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.",
        "additionalInfoUri": "https://www.beyondbank.com.au/home-loans/purple-basic-variable-home-loan/"
      }
    ],
    "fees": [
      {
        "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/purple-basic-variable-home-loan/"
      },
      {
        "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/purple-basic-variable-home-loan/"
      },
      {
        "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/purple-basic-variable-home-loan/"
      },
      {
        "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/purple-basic-variable-home-loan/"
      },
      {
        "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/purple-basic-variable-home-loan/"
      },
      {
        "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/purple-basic-variable-home-loan/"
      },
      {
        "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/purple-basic-variable-home-loan/"
      },
      {
        "name": "Property Valuation Fee",
        "feeType": "UPFRONT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "0.00"
        },
        "currency": "AUD",
        "additionalInfo": "A property valuation may be required at time of application and we will provide you with a quote if applicable. Beyond Bank will cover up to $300 of the valuation fee (GST inclusive) for the first valuation/property only.",
        "additionalInfoUri": "https://www.beyondbank.com.au/home-loans/purple-basic-variable-home-loan/"
      },
      {
        "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/purple-basic-variable-home-loan/"
      },
      {
        "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/purple-basic-variable-home-loan/"
      }
    ],
    "lendingRates": [
      {
        "lendingRateType": "VARIABLE",
        "rate": "0.0614",
        "comparisonRate": "0.0617",
        "calculationFrequency": "P1D",
        "applicationType": "PERIODIC",
        "applicationFrequency": "P1M",
        "interestPaymentDue": "IN_ARREARS",
        "repaymentType": "PRINCIPAL_AND_INTEREST",
        "loanPurpose": "OWNER_OCCUPIED",
        "additionalInfo": "Purple Basic Variable Home Loan. Owner occupied, principal & interest, LVR >0 - <=60% & a minimum of $150,000 new money. Conditions apply.",
        "additionalInfoUri": "https://www.beyondbank.com.au/home-loans/purple-basic-variable-home-loan/"
      },
      {
        "lendingRateType": "VARIABLE",
        "rate": "0.0624",
        "comparisonRate": "0.0627",
        "calculationFrequency": "P1M",
        "applicationType": "PERIODIC",
        "applicationFrequency": "P1M",
        "interestPaymentDue": "IN_ARREARS",
        "repaymentType": "PRINCIPAL_AND_INTEREST",
        "loanPurpose": "OWNER_OCCUPIED",
        "additionalInfo": "Purple Basic Variable Home Loan. Owner occupied, principal & interest, LVR >60 - <=80% & a minimum of $150,000 new money. Conditions apply.",
        "additionalInfoUri": "https://www.beyondbank.com.au/home-loans/purple-basic-variable-home-loan/"
      },
      {
        "lendingRateType": "VARIABLE",
        "rate": "0.0649",
        "comparisonRate": "0.0652",
        "calculationFrequency": "P1D",
        "applicationType": "PERIODIC",
        "applicationFrequency": "P1M",
        "interestPaymentDue": "IN_ARREARS",
        "repaymentType": "PRINCIPAL_AND_INTEREST",
        "loanPurpose": "OWNER_OCCUPIED",
        "additionalInfo": "Purple Basic Variable Home Loan. Owner occupied, principal & interest, LVR >80 - <=90%. Conditions apply.",
        "additionalInfoUri": "https://www.beyondbank.com.au/home-loans/purple-basic-variable-home-loan/"
      }
    ]
  }
}