{
  "source": "https://public.cdr.api.beyondbank.com.au/cds-au/v1/banking/products/55",
  "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": "55",
    "effectiveFrom": "2001-07-16T14:30:00.0000000Z",
    "lastUpdated": "2026-07-16T08:00:31.2032296Z",
    "productCategory": "RESIDENTIAL_MORTGAGES",
    "name": "All-In-One Account - Inv",
    "description": "The All-In-One Account is a flexible line of credit which can be used for Investment purposes. This account combines a loan and transaction account all into one convenient account at a competitive variable interest rate.",
    "brand": "BYD",
    "brandName": "Beyond Bank Australia",
    "applicationUri": "https://www.beyondbank.com.au/about-us/corporate-governance/disclosures/disclosure-documents/",
    "isTailored": false,
    "additionalInformation": {
      "overviewUri": "https://www.beyondbank.com.au/about-us/corporate-governance/disclosures/disclosure-documents/",
      "termsUri": "https://www.beyondbank.com.au/about-us/corporate-governance/disclosures/disclosure-documents/",
      "eligibilityUri": "https://www.beyondbank.com.au/about-us/corporate-governance/disclosures/disclosure-documents/",
      "feesAndPricingUri": "https://www.beyondbank.com.au/about-us/corporate-governance/disclosures/disclosure-documents/"
    },
    "features": [
      {
        "featureType": "BILL_PAYMENT",
        "additionalValue": "BPAY available"
      },
      {
        "featureType": "CARD_ACCESS",
        "additionalValue": "Visa Debit Card available",
        "additionalInfoUri": "https://www.beyondbank.com.au/about-us/corporate-governance/disclosures/disclosure-documents/"
      },
      {
        "featureType": "COMPLEMENTARY_PRODUCT_DISCOUNTS",
        "additionalValue": "Total Home Loan Package Benefits",
        "additionalInfo": "The Total Home Loan Package offers a waived Annual Fee on the Low Rate Credit Card and no monthly fee on eligible car and personal loans settled from 13 January 2025. Conditions apply.",
        "additionalInfoUri": "https://www.beyondbank.com.au/home-loans/investment-total-home-loan-package/"
      },
      {
        "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/"
      },
      {
        "featureType": "DIGITAL_WALLET",
        "additionalValue": "Mobile Wallet",
        "additionalInfo": "Load your Beyond Bank Visa Debit Card to your phone to make fast and easy transactions.",
        "additionalInfoUri": "https://www.beyondbank.com.au/bank-and-save/switch-to-beyond-bank/mobile-wallet/"
      },
      {
        "featureType": "NOTIFICATIONS",
        "additionalValue": "Text Me or Push Notification Alert",
        "additionalInfo": "Available with Internet Banking or via notifications from Mobile Banking. Service enables information about accounts to be sent via SMS to a specified mobile number. It is event triggered or on demand.",
        "additionalInfoUri": "https://brand.beyondbank.com.au/m/3639ea02e11a40f4/original/Product-Guide-website.pdf"
      },
      {
        "featureType": "NPP_ENABLED",
        "additionalInfo": "New Payments Platform (NPP) available. Allows you to send and receive money instantly between eligible accounts with your PayID.",
        "additionalInfoUri": "https://www.beyondbank.com.au/bank-and-save/switch-to-beyond-bank/osko/"
      },
      {
        "featureType": "NPP_PAYID",
        "additionalInfo": "New Payments Platform (NPP) is available. Use your mobile number or email as your PayID to send and receive money instantly between eligible accounts",
        "additionalInfoUri": "https://www.beyondbank.com.au/bank-and-save/switch-to-beyond-bank/osko/"
      },
      {
        "featureType": "OTHER",
        "additionalInfo": "Split Loans Option: You may request to split your loan to combine an All-In-one Account with a Standard Variable Rate Home Loan or a Fixed Rate Home Loan.",
        "additionalInfoUri": "https://www.beyondbank.com.au/tools-and-calculators/loan-comparison/"
      }
    ],
    "constraints": [
      {
        "constraintType": "MAX_LIMIT",
        "additionalValue": "2000000.00",
        "additionalInfo": "Maximum loan amount can be up to 90% of the value of the security property.  Subject to lending criteria."
      },
      {
        "constraintType": "MAX_LVR",
        "additionalValue": "0.90"
      },
      {
        "constraintType": "MIN_LIMIT",
        "additionalValue": "10000.00"
      },
      {
        "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/about-us/corporate-governance/disclosures/disclosure-documents/"
      },
      {
        "eligibilityType": "OTHER",
        "additionalInfo": "Lending criteria applies.",
        "additionalInfoUri": "https://www.beyondbank.com.au/about-us/corporate-governance/disclosures/disclosure-documents/"
      },
      {
        "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/about-us/corporate-governance/disclosures/disclosure-documents/"
      }
    ],
    "fees": [
      {
        "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."
      },
      {
        "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.",
        "discounts": [
          {
            "description": "No Mortgage Loan Establishment Fee - Total Home Loan Package and Life Members",
            "discountType": "ELIGIBILITY_ONLY",
            "discountMethodUType": "fixedAmount",
            "fixedAmount": {
              "amount": "445.00"
            },
            "eligibility": [
              {
                "discountEligibilityType": "OTHER",
                "additionalInfo": "This fee is waived on Total Home Loan Package and Life Membership loans."
              }
            ]
          }
        ]
      },
      {
        "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"
      },
      {
        "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.",
        "discounts": [
          {
            "description": "No Loan Variation Documentation fee - Total Home Loan Package and Life Membership",
            "discountType": "ELIGIBILITY_ONLY",
            "discountMethodUType": "fixedAmount",
            "fixedAmount": {
              "amount": "345.00"
            },
            "eligibility": [
              {
                "discountEligibilityType": "OTHER",
                "additionalInfo": "This fee is waived on Total Home Loan Package and Life Membership loans."
              }
            ]
          }
        ]
      },
      {
        "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."
      },
      {
        "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.",
        "discounts": [
          {
            "description": "No Mortgage Loan Settlement Fee (a) - Total Home Loan Package",
            "discountType": "ELIGIBILITY_ONLY",
            "discountMethodUType": "fixedAmount",
            "fixedAmount": {
              "amount": "200.00"
            },
            "eligibility": [
              {
                "discountEligibilityType": "OTHER",
                "additionalInfo": "This fee is waived on Total Home Loan 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.",
        "discounts": [
          {
            "description": "No Mortgage Loan Settlement Fee (b) - Total Home Loan Package",
            "discountType": "ELIGIBILITY_ONLY",
            "discountMethodUType": "fixedAmount",
            "fixedAmount": {
              "amount": "150.00"
            },
            "eligibility": [
              {
                "discountEligibilityType": "OTHER",
                "additionalInfo": "This fee is waived on Total Home Loan Package."
              }
            ]
          }
        ]
      },
      {
        "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."
      },
      {
        "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."
      },
      {
        "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."
      }
    ],
    "lendingRates": [
      {
        "lendingRateType": "VARIABLE",
        "rate": "0.0795",
        "calculationFrequency": "P1D",
        "applicationType": "PERIODIC",
        "applicationFrequency": "P1M",
        "interestPaymentDue": "IN_ARREARS",
        "repaymentType": "PRINCIPAL_AND_INTEREST",
        "loanPurpose": "INVESTMENT",
        "additionalInfo": "Total Home Loan Package All-In-One Investment loan, LVR >0 - <=90% & a minimum loan amount of $50,000.  Conditions apply.",
        "additionalInfoUri": "https://www.beyondbank.com.au/interest-rates/investment-home-loans/"
      },
      {
        "lendingRateType": "VARIABLE",
        "rate": "0.0914",
        "calculationFrequency": "P1D",
        "applicationType": "PERIODIC",
        "applicationFrequency": "P1M",
        "interestPaymentDue": "IN_ARREARS",
        "repaymentType": "PRINCIPAL_AND_INTEREST",
        "loanPurpose": "INVESTMENT",
        "additionalInfo": "Standard All-in-one Investment Loan, LVR >0 - <=90%. Conditions apply.",
        "additionalInfoUri": "https://www.beyondbank.com.au/interest-rates/investment-home-loans/"
      }
    ]
  }
}