{
  "source": "https://prd.pm.productdata.au/27572835-a272-4f6f-8a8a-7e8f7ea2a311/adapter/cds-au/v1/banking/products/Bluestone%20SMSF%20Residential%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": "SMSF Residential Loan\n",
    "isTailored": false,
    "lastUpdated": "2026-07-08T02:00:00.469469Z",
    "name": "SMSF Residential Loan",
    "productCategory": "RESIDENTIAL_MORTGAGES",
    "productId": "Bluestone SMSF Residential Loan",
    "additionalInformation": {
      "overviewUri": null,
      "termsUri": null,
      "eligibilityUri": null,
      "feesAndPricingUri": null,
      "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": "OTHER",
        "additionalInfo": "Maximum loan term 30 years\n",
        "additionalInfoUri": null,
        "additionalValue": null
      },
      {
        "constraintType": "MIN_LIMIT",
        "additionalInfo": null,
        "additionalInfoUri": null,
        "additionalValue": "100000.00"
      },
      {
        "constraintType": "MAX_LIMIT",
        "additionalInfo": " Subject to LVR,  location and other credit assessment criteria \n",
        "additionalInfoUri": null,
        "additionalValue": "1500000.00"
      },
      {
        "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.\n",
        "additionalInfoUri": null,
        "additionalValue": "0.80"
      }
    ],
    "depositRates": [],
    "eligibility": [
      {
        "eligibilityType": "MIN_AGE",
        "additionalInfo": null,
        "additionalInfoUri": null,
        "additionalValue": "18"
      },
      {
        "eligibilityType": "OTHER",
        "additionalInfo": "Investment purpose only\n",
        "additionalInfoUri": null,
        "additionalValue": null
      }
    ],
    "features": [
      {
        "featureType": "OTHER",
        "additionalInfo": "Interest Only available up to 5 years.\n",
        "additionalInfoUri": null,
        "additionalValue": null
      },
      {
        "featureType": "EXTRA_REPAYMENTS",
        "additionalInfo": null,
        "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": "550.00",
          "feeMaximum": null
        },
        "feeCap": null,
        "feeCapPeriod": null
      },
      {
        "feeType": "UPFRONT",
        "name": "Establishment fee ",
        "additionalInfo": null,
        "additionalInfoUri": null,
        "additionalValue": null,
        "currency": "AUD",
        "discounts": [],
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "590.00"
        },
        "rateBased": 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": "UPFRONT",
        "name": "Document vetting fee",
        "additionalInfo": null,
        "additionalInfoUri": null,
        "additionalValue": null,
        "currency": "AUD",
        "discounts": [],
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "800.00"
        },
        "rateBased": null,
        "variable": 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": "0.0709",
        "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": "https://bluestone.com.au/our-rates/",
        "additionalValue": null,
        "applicationFrequency": null,
        "calculationFrequency": null,
        "comparisonRate": "0.0736",
        "interestPaymentDue": null,
        "loanPurpose": "INVESTMENT",
        "repaymentType": "PRINCIPAL_AND_INTEREST",
        "tiers": [],
        "applicabilityConditions": [],
        "applicationType": "PERIODIC"
      }
    ],
    "instalments": null
  }
}