{
  "source": "https://prd.pm.productdata.au/27572835-a272-4f6f-8a8a-7e8f7ea2a311/adapter/cds-au/v1/banking/products/Bluestone%20Residential%20Home%20Loan",
  "note": "Product Reference Data published by the data holder under the Consumer Data Right, as cached by this site (refreshed every 6 hours).",
  "data": {
    "brand": "Bluestone",
    "description": "Residential Home Loan",
    "isTailored": false,
    "lastUpdated": "2026-07-08T02:00:00.469479Z",
    "name": "Residential Home Loan",
    "productCategory": "RESIDENTIAL_MORTGAGES",
    "productId": "Bluestone Residential Home Loan",
    "additionalInformation": {
      "overviewUri": null,
      "termsUri": null,
      "eligibilityUri": null,
      "feesAndPricingUri": "https://bluestone.com.au/our-rates/",
      "bundleUri": null,
      "additionalOverviewUris": [],
      "additionalTermsUris": [],
      "additionalEligibilityUris": [],
      "additionalFeesAndPricingUris": [],
      "additionalBundleUris": []
    },
    "applicationUri": null,
    "brandName": "Bluestone Home Loans ",
    "brandGroup": null,
    "cardArt": [],
    "effectiveFrom": "2026-06-21T22:00:00Z",
    "effectiveTo": null,
    "bundles": [],
    "constraints": [
      {
        "constraintType": "MAX_LVR",
        "additionalInfo": "The maximum LVR, inclusive of any capitalised fees, is determined based on property location, the requested loan amount, and other relevant credit assessment criteria.",
        "additionalInfoUri": null,
        "additionalValue": "0.90"
      },
      {
        "constraintType": "MAX_LIMIT",
        "additionalInfo": " Subject to LVR,  location and other credit assessment criteria ",
        "additionalInfoUri": null,
        "additionalValue": "5000000.00"
      },
      {
        "constraintType": "MIN_LIMIT",
        "additionalInfo": null,
        "additionalInfoUri": null,
        "additionalValue": "100000.00"
      },
      {
        "constraintType": "OTHER",
        "additionalInfo": "Maximum loan term 40 years\n",
        "additionalInfoUri": null,
        "additionalValue": null
      }
    ],
    "depositRates": [],
    "eligibility": [
      {
        "eligibilityType": "MIN_AGE",
        "additionalInfo": null,
        "additionalInfoUri": null,
        "additionalValue": "18"
      }
    ],
    "features": [
      {
        "featureType": "OFFSET",
        "additionalInfo": "100% offset facility. No additional fees.  One offset facility per variable loan split.\n\n",
        "additionalInfoUri": null,
        "additionalValue": null
      },
      {
        "featureType": "REDRAW",
        "additionalInfo": "Redraw facility allows you to access extra repayments made.\n",
        "additionalInfoUri": null,
        "additionalValue": null
      },
      {
        "featureType": "OTHER",
        "additionalInfo": "Available for both owner-occupier and investment purpose \n",
        "additionalInfoUri": null,
        "additionalValue": null
      },
      {
        "featureType": "EXTRA_REPAYMENTS",
        "additionalInfo": null,
        "additionalInfoUri": null,
        "additionalValue": null
      },
      {
        "featureType": "OTHER",
        "additionalInfo": "Interest Only available up to 5 years.\n",
        "additionalInfoUri": null,
        "additionalValue": null
      },
      {
        "featureType": "OTHER",
        "additionalInfo": "We accept both traditional and alternative documentation for income verification",
        "additionalInfoUri": null,
        "additionalValue": null
      }
    ],
    "fees": [
      {
        "feeType": "PERIODIC",
        "name": "Monthly account keeping fee ",
        "additionalInfo": null,
        "additionalInfoUri": null,
        "additionalValue": "P1M",
        "currency": "AUD",
        "discounts": [],
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "15.00"
        },
        "rateBased": null,
        "variable": null,
        "feeCap": null,
        "feeCapPeriod": null
      },
      {
        "feeType": "UPFRONT",
        "name": "Loan settlement fee",
        "additionalInfo": null,
        "additionalInfoUri": null,
        "additionalValue": null,
        "currency": "AUD",
        "discounts": [],
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "120.00"
        },
        "rateBased": null,
        "variable": null,
        "feeCap": null,
        "feeCapPeriod": null
      },
      {
        "feeType": "UPFRONT",
        "name": "Legal fee ",
        "additionalInfo": null,
        "additionalInfoUri": null,
        "additionalValue": null,
        "currency": "AUD",
        "discounts": [],
        "feeMethodUType": "variable",
        "fixedAmount": null,
        "rateBased": null,
        "variable": {
          "feeMinimum": "400.00",
          "feeMaximum": null
        },
        "feeCap": null,
        "feeCapPeriod": null
      },
      {
        "feeType": "UPFRONT",
        "name": "Establishment fee ",
        "additionalInfo": null,
        "additionalInfoUri": null,
        "additionalValue": null,
        "currency": "AUD",
        "discounts": [],
        "feeMethodUType": "variable",
        "fixedAmount": null,
        "rateBased": null,
        "variable": {
          "feeMinimum": "590.00",
          "feeMaximum": "990.00"
        },
        "feeCap": null,
        "feeCapPeriod": null
      },
      {
        "feeType": "UPFRONT",
        "name": "Title protection fee",
        "additionalInfo": null,
        "additionalInfoUri": null,
        "additionalValue": null,
        "currency": "AUD",
        "discounts": [],
        "feeMethodUType": "variable",
        "fixedAmount": null,
        "rateBased": null,
        "variable": {
          "feeMinimum": "0.00",
          "feeMaximum": "350.00"
        },
        "feeCap": null,
        "feeCapPeriod": null
      },
      {
        "feeType": "UPFRONT",
        "name": "Risk fee",
        "additionalInfo": "The rate shown calculates the minimum risk fee applicable, which cannot exceed 3.00% of the principal loan amount (excluding other fees and charges). The applicability and amount of the risk fee is determined by the lender using credit assessment criteria, including LVR and can be paid upfront or added into the loan",
        "additionalInfoUri": null,
        "additionalValue": null,
        "currency": "AUD",
        "discounts": [],
        "feeMethodUType": "rateBased",
        "fixedAmount": null,
        "rateBased": {
          "rateType": "BALANCE",
          "rate": "0.00",
          "accrualFrequency": null,
          "amountRange": null
        },
        "variable": null,
        "feeCap": null,
        "feeCapPeriod": null
      },
      {
        "feeType": "UPFRONT",
        "name": "Valuation fee",
        "additionalInfo": "Covered up to $400",
        "additionalInfoUri": null,
        "additionalValue": null,
        "currency": "AUD",
        "discounts": [],
        "feeMethodUType": "variable",
        "fixedAmount": null,
        "rateBased": null,
        "variable": {
          "feeMinimum": "0.00",
          "feeMaximum": null
        },
        "feeCap": null,
        "feeCapPeriod": null
      },
      {
        "feeType": "VARIATION",
        "name": "Loan variation fee",
        "additionalInfo": "These are fees for varying the terms of the loan agreement such as increasing the loan amount, extending the term and amending the security.\n",
        "additionalInfoUri": null,
        "additionalValue": null,
        "currency": "AUD",
        "discounts": [],
        "feeMethodUType": "variable",
        "fixedAmount": null,
        "rateBased": null,
        "variable": {
          "feeMinimum": "250.00",
          "feeMaximum": null
        },
        "feeCap": null,
        "feeCapPeriod": null
      },
      {
        "feeType": "EXIT",
        "name": "Loan discharge fee",
        "additionalInfo": null,
        "additionalInfoUri": null,
        "additionalValue": null,
        "currency": "AUD",
        "discounts": [],
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "500.00"
        },
        "rateBased": null,
        "variable": null,
        "feeCap": null,
        "feeCapPeriod": null
      }
    ],
    "lendingRates": [
      {
        "lendingRateType": "VARIABLE",
        "rate": "0.0714",
        "additionalInfo": "The rate shown is the minimum interest rate available. The interest rate which applies will be determined by the lender using a number of factors, including the loan amount and purpose, LVR, borrower and repayment types.",
        "additionalInfoUri": null,
        "additionalValue": null,
        "applicationFrequency": null,
        "calculationFrequency": null,
        "comparisonRate": "0.0735",
        "interestPaymentDue": null,
        "loanPurpose": "INVESTMENT",
        "repaymentType": "PRINCIPAL_AND_INTEREST",
        "tiers": [],
        "applicabilityConditions": [
          {
            "additionalInfo": "This rate is for traditional  income assessment.\n",
            "additionalInfoUri": null,
            "rateApplicabilityType": "OTHER",
            "additionalValue": null
          }
        ],
        "applicationType": "PERIODIC"
      },
      {
        "lendingRateType": "VARIABLE",
        "rate": "0.0734",
        "additionalInfo": "The rate shown is the minimum interest rate available. The interest rate which applies will be determined by the lender using a number of factors, including the loan amount and purpose, LVR, borrower and repayment types.",
        "additionalInfoUri": null,
        "additionalValue": null,
        "applicationFrequency": null,
        "calculationFrequency": null,
        "comparisonRate": "0.0755",
        "interestPaymentDue": null,
        "loanPurpose": "INVESTMENT",
        "repaymentType": "PRINCIPAL_AND_INTEREST",
        "tiers": [],
        "applicabilityConditions": [
          {
            "additionalInfo": "This rate is for flexible income assessment.\n",
            "additionalInfoUri": null,
            "rateApplicabilityType": "OTHER",
            "additionalValue": null
          }
        ],
        "applicationType": "PERIODIC"
      },
      {
        "lendingRateType": "VARIABLE",
        "rate": "0.0704",
        "additionalInfo": "The rate shown is the minimum interest rate available. The interest rate which applies will be determined by the lender using a number of factors, including the loan amount and purpose, LVR, borrower and repayment types.",
        "additionalInfoUri": null,
        "additionalValue": null,
        "applicationFrequency": null,
        "calculationFrequency": null,
        "comparisonRate": "0.0725",
        "interestPaymentDue": null,
        "loanPurpose": "OWNER_OCCUPIED",
        "repaymentType": "PRINCIPAL_AND_INTEREST",
        "tiers": [],
        "applicabilityConditions": [
          {
            "additionalInfo": "This rate is for flexible income assessment.\n",
            "additionalInfoUri": null,
            "rateApplicabilityType": "OTHER",
            "additionalValue": null
          }
        ],
        "applicationType": "PERIODIC"
      },
      {
        "lendingRateType": "VARIABLE",
        "rate": "0.0684",
        "additionalInfo": "The rate shown is the minimum interest rate available. The interest rate which applies will be determined by the lender using a number of factors, including the loan amount and purpose, LVR, borrower and repayment types.",
        "additionalInfoUri": null,
        "additionalValue": null,
        "applicationFrequency": null,
        "calculationFrequency": null,
        "comparisonRate": "0.0705",
        "interestPaymentDue": null,
        "loanPurpose": "OWNER_OCCUPIED",
        "repaymentType": "PRINCIPAL_AND_INTEREST",
        "tiers": [],
        "applicabilityConditions": [
          {
            "additionalInfo": "This rate is for traditional  income assessment.\n",
            "additionalInfoUri": null,
            "rateApplicabilityType": "OTHER",
            "additionalValue": null
          }
        ],
        "applicationType": "PERIODIC"
      }
    ],
    "instalments": null
  }
}