{
  "source": "https://public.cdr.bnk.com.au/cds-au/v1/banking/products/2001",
  "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": "BNK Bank (Goldfields Money/BCHL)",
    "description": "The Better Choice Gold Special Basic Variable Home Loan offers a standard variable loan. Available up to 80% LVR, this loan suits borrowers that\nare looking for flexibility with their home loan and investment properties",
    "isTailored": false,
    "lastUpdated": "2026-05-10T20:00:00.735142Z",
    "name": "Gold Prime Residential Basic Home Loans",
    "productCategory": "RESIDENTIAL_MORTGAGES",
    "productId": "2001",
    "additionalInformation": {
      "overviewUri": null,
      "termsUri": null,
      "eligibilityUri": null,
      "feesAndPricingUri": null,
      "bundleUri": null,
      "additionalOverviewUris": [],
      "additionalTermsUris": [],
      "additionalEligibilityUris": [],
      "additionalFeesAndPricingUris": [],
      "additionalBundleUris": []
    },
    "applicationUri": null,
    "brandName": "BNK Bank (Goldfields Money/BCHL)",
    "brandGroup": null,
    "cardArt": [],
    "effectiveFrom": null,
    "effectiveTo": null,
    "bundles": [],
    "constraints": [
      {
        "constraintType": "MAX_BALANCE",
        "additionalInfo": "Max loan balance is $2,000,000",
        "additionalInfoUri": null,
        "additionalValue": "2000000.00"
      },
      {
        "constraintType": "MIN_BALANCE",
        "additionalInfo": "Minimum value for a loan is $100,000",
        "additionalInfoUri": null,
        "additionalValue": "100000.00"
      }
    ],
    "depositRates": [],
    "eligibility": [
      {
        "eligibilityType": "BUSINESS",
        "additionalInfo": "Be a company and meet the following requirements:\n- Satisfactory investigation by BNK; and\n- Company borrowing being supported by the personal guarantee of the director(s). Guarantees from companies & trusts are not acceptable;",
        "additionalInfoUri": null,
        "additionalValue": null
      },
      {
        "eligibilityType": "BUSINESS",
        "additionalInfo": " Be an Australian corporate trustee as trustee for a family trust, (provided the corporate trustee is a non-trading entity) and the family trust beneficiaries are all individuals",
        "additionalInfoUri": null,
        "additionalValue": null
      },
      {
        "eligibilityType": "OTHER",
        "additionalInfo": "Provide sufficient security and provide satisfactory assessment in accordance with Better Choice’s credit assessment criteria",
        "additionalInfoUri": null,
        "additionalValue": null
      },
      {
        "eligibilityType": "EMPLOYMENT_STATUS",
        "additionalInfo": "Entity must be able to provide a stable income to make repayments on the loan",
        "additionalInfoUri": null,
        "additionalValue": "Yes"
      },
      {
        "eligibilityType": "MIN_AGE",
        "additionalInfo": null,
        "additionalInfoUri": null,
        "additionalValue": "18"
      },
      {
        "eligibilityType": "RESIDENCY_STATUS",
        "additionalInfo": "be an Australian citizen or Australian permanent resident (limited exceptions may apply subject to conditions)",
        "additionalInfoUri": null,
        "additionalValue": "An Australian citizen, permanent resident or Australian resident for tax purposes"
      }
    ],
    "features": [
      {
        "featureType": "DIGITAL_BANKING",
        "additionalInfo": "Free internet and telephone transacting ",
        "additionalInfoUri": null,
        "additionalValue": null,
        "isActivated": "UNKNOWN"
      },
      {
        "featureType": "EXTRA_REPAYMENTS",
        "additionalInfo": "If you have a variable loan you can make as many extra payments as you want, with no penalty at anytime ",
        "additionalInfoUri": null,
        "additionalValue": null,
        "isActivated": "UNKNOWN"
      },
      {
        "featureType": "OTHER",
        "additionalInfo": "Pay interest only. You can pay just the interest for up to 5 years if its an investment property.",
        "additionalInfoUri": null,
        "additionalValue": null,
        "isActivated": "UNKNOWN"
      },
      {
        "featureType": "OTHER",
        "additionalInfo": "Pay weekly, fortnightly or monthly",
        "additionalInfoUri": null,
        "additionalValue": null,
        "isActivated": "UNKNOWN"
      },
      {
        "featureType": "REDRAW",
        "additionalInfo": null,
        "additionalInfoUri": null,
        "additionalValue": null,
        "isActivated": "UNKNOWN"
      }
    ],
    "fees": [
      {
        "feeType": "EVENT",
        "name": "Valuation costs",
        "additionalInfo": "This fee is incurred for existing loans when they increase on an existing Loan",
        "additionalInfoUri": "https://betterchoice.com.au/home-loan-introducer-portal/rates/",
        "additionalValue": null,
        "currency": "AUD",
        "discounts": [],
        "feeMethodUType": "variable",
        "fixedAmount": null,
        "rateBased": null,
        "variable": {
          "feeMinimum": "1.00",
          "feeMaximum": null
        },
        "feeCap": null,
        "feeCapPeriod": null
      },
      {
        "feeType": "EVENT",
        "name": "Substitution of Security: Valuation Fees",
        "additionalInfo": "Substitution of Security",
        "additionalInfoUri": "https://betterchoice.com.au/home-loan-introducer-portal/rates/",
        "additionalValue": null,
        "currency": "AUD",
        "discounts": [],
        "feeMethodUType": "variable",
        "fixedAmount": null,
        "rateBased": null,
        "variable": {
          "feeMinimum": "1.00",
          "feeMaximum": null
        },
        "feeCap": null,
        "feeCapPeriod": null
      },
      {
        "feeType": "EVENT",
        "name": "Loan Top Up",
        "additionalInfo": "This fee is incurred when a customer requests an increase for an existing loan",
        "additionalInfoUri": "https://betterchoice.com.au/home-loan-introducer-portal/rates/",
        "additionalValue": null,
        "currency": "AUD",
        "discounts": [],
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "350.00"
        },
        "rateBased": null,
        "variable": null,
        "feeCap": null,
        "feeCapPeriod": null
      },
      {
        "feeType": "EVENT",
        "name": "Solicitors Fees",
        "additionalInfo": "This fee is incurred for existing loans when they increase on an existing Loan",
        "additionalInfoUri": "https://betterchoice.com.au/home-loan-introducer-portal/rates/",
        "additionalValue": null,
        "currency": "AUD",
        "discounts": [],
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "350.00"
        },
        "rateBased": null,
        "variable": null,
        "feeCap": null,
        "feeCapPeriod": null
      },
      {
        "feeType": "EVENT",
        "name": "Conversion: Variation Fee ",
        "additionalInfo": "This fee is associated with conversion of an existing loan - Convert to Fixed Rate (Full or Partial), Interest Only, Principal & Interest, Full Doc",
        "additionalInfoUri": "https://betterchoice.com.au/home-loan-introducer-portal/rates/",
        "additionalValue": null,
        "currency": "AUD",
        "discounts": [],
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "250.00"
        },
        "rateBased": null,
        "variable": null,
        "feeCap": null,
        "feeCapPeriod": null
      },
      {
        "feeType": "EVENT",
        "name": "Conversion: Funder Fee",
        "additionalInfo": "This fee is associated with conversion of an existing loan - Convert to Fixed Rate (Full or Partial), Interest Only, Principal & Interest, Full Doc",
        "additionalInfoUri": "https://betterchoice.com.au/home-loan-introducer-portal/rates/",
        "additionalValue": null,
        "currency": "AUD",
        "discounts": [],
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "250.00"
        },
        "rateBased": null,
        "variable": null,
        "feeCap": null,
        "feeCapPeriod": null
      },
      {
        "feeType": "EVENT",
        "name": "Substitution of Security: Funder Fee",
        "additionalInfo": "Substitution of Security",
        "additionalInfoUri": "https://betterchoice.com.au/home-loan-introducer-portal/rates/",
        "additionalValue": null,
        "currency": "AUD",
        "discounts": [],
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "250.00"
        },
        "rateBased": null,
        "variable": null,
        "feeCap": null,
        "feeCapPeriod": null
      },
      {
        "feeType": "EVENT",
        "name": "Other Fees: Document Custody Fee ",
        "additionalInfo": null,
        "additionalInfoUri": "https://betterchoice.com.au/home-loan-introducer-portal/rates/",
        "additionalValue": null,
        "currency": "AUD",
        "discounts": [],
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "25.00"
        },
        "rateBased": null,
        "variable": null,
        "feeCap": null,
        "feeCapPeriod": null
      },
      {
        "feeType": "EXIT",
        "name": "Discharge (Full or partial)",
        "additionalInfo": "Discharging a loan ",
        "additionalInfoUri": "https://betterchoice.com.au/home-loan-introducer-portal/rates/",
        "additionalValue": null,
        "currency": "AUD",
        "discounts": [],
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "350.00"
        },
        "rateBased": null,
        "variable": null,
        "feeCap": null,
        "feeCapPeriod": null
      },
      {
        "feeType": "EVENT",
        "name": "Substitution of Security: Solicitor Fees",
        "additionalInfo": null,
        "additionalInfoUri": "https://betterchoice.com.au/home-loan-introducer-portal/rates/",
        "additionalValue": null,
        "currency": "AUD",
        "discounts": [],
        "feeMethodUType": "variable",
        "fixedAmount": null,
        "rateBased": null,
        "variable": {
          "feeMinimum": "1.00",
          "feeMaximum": null
        },
        "feeCap": null,
        "feeCapPeriod": null
      },
      {
        "feeType": "EXIT",
        "name": "Discharge (Full or Partial): Solicitor Fees",
        "additionalInfo": "Solicitor Fees for Discharge (Full or Partial)",
        "additionalInfoUri": "https://betterchoice.com.au/home-loan-introducer-portal/rates/",
        "additionalValue": null,
        "currency": "AUD",
        "discounts": [],
        "feeMethodUType": "variable",
        "fixedAmount": null,
        "rateBased": null,
        "variable": {
          "feeMinimum": "1.00",
          "feeMaximum": null
        },
        "feeCap": null,
        "feeCapPeriod": null
      },
      {
        "feeType": "PERIODIC",
        "name": "Annual Fee",
        "additionalInfo": "Annual fee for investment loans only",
        "additionalInfoUri": "https://betterchoice.com.au/latest-rates/",
        "additionalValue": "P12M",
        "currency": "AUD",
        "discounts": [],
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "299.00"
        },
        "rateBased": null,
        "variable": null,
        "feeCap": null,
        "feeCapPeriod": null
      },
      {
        "feeType": "UPFRONT",
        "name": "Document Handling Fee",
        "additionalInfo": "Document fee at the beginning of the loan",
        "additionalInfoUri": "https://betterchoice.com.au/latest-rates/",
        "additionalValue": null,
        "currency": "AUD",
        "discounts": [],
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "25.00"
        },
        "rateBased": null,
        "variable": null,
        "feeCap": null,
        "feeCapPeriod": null
      },
      {
        "feeType": "EXIT",
        "name": "Discharge Fee",
        "additionalInfo": "Discharge fee to close/discharge the loan",
        "additionalInfoUri": "https://betterchoice.com.au/latest-rates/",
        "additionalValue": null,
        "currency": "AUD",
        "discounts": [],
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "350.00"
        },
        "rateBased": null,
        "variable": null,
        "feeCap": null,
        "feeCapPeriod": null
      },
      {
        "feeType": "UPFRONT",
        "name": "Solicitors Fees",
        "additionalInfo": "Solicitors Fees",
        "additionalInfoUri": "https://betterchoice.com.au/latest-rates/",
        "additionalValue": null,
        "currency": "AUD",
        "discounts": [],
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "330.00"
        },
        "rateBased": null,
        "variable": null,
        "feeCap": null,
        "feeCapPeriod": null
      },
      {
        "feeType": "UPFRONT",
        "name": "Application Fee",
        "additionalInfo": "Application Fee for Investment Loan",
        "additionalInfoUri": "https://betterchoice.com.au/latest-rates/",
        "additionalValue": null,
        "currency": "AUD",
        "discounts": [],
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "295.00"
        },
        "rateBased": null,
        "variable": null,
        "feeCap": null,
        "feeCapPeriod": null
      },
      {
        "feeType": "UPFRONT",
        "name": "Valuation Fees",
        "additionalInfo": "Valuation Fee to access the cost of the purchase property",
        "additionalInfoUri": "https://betterchoice.com.au/latest-rates/",
        "additionalValue": null,
        "currency": "AUD",
        "discounts": [],
        "feeMethodUType": "variable",
        "fixedAmount": null,
        "rateBased": null,
        "variable": {
          "feeMinimum": "1.00",
          "feeMaximum": null
        },
        "feeCap": null,
        "feeCapPeriod": null
      },
      {
        "feeType": "UPFRONT",
        "name": "Solicitors Fees",
        "additionalInfo": "Solicitors Fees",
        "additionalInfoUri": "https://betterchoice.com.au/latest-rates/",
        "additionalValue": null,
        "currency": "AUD",
        "discounts": [
          {
            "description": "Waived for OO Loans",
            "discountType": "PAYMENTS",
            "additionalInfo": "No end to promo",
            "additionalInfoUri": null,
            "additionalValue": "0.00",
            "eligibility": [
              {
                "discountEligibilityType": "OTHER",
                "additionalInfo": " Offer for OO Loans ",
                "additionalInfoUri": null,
                "additionalValue": null
              }
            ],
            "discountMethodUType": "fixedAmount",
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            },
            "rateBased": null
          }
        ],
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "330.00"
        },
        "rateBased": null,
        "variable": null,
        "feeCap": null,
        "feeCapPeriod": null
      },
      {
        "feeType": "UPFRONT",
        "name": "Application Fee",
        "additionalInfo": "Application Fee for Owner Occupied Loan",
        "additionalInfoUri": "https://betterchoice.com.au/latest-rates/",
        "additionalValue": null,
        "currency": "AUD",
        "discounts": [
          {
            "description": "Fee waived for OO Loans",
            "discountType": "ELIGIBILITY_ONLY",
            "additionalInfo": "No end date to promo",
            "additionalInfoUri": null,
            "additionalValue": null,
            "eligibility": [
              {
                "discountEligibilityType": "OTHER",
                "additionalInfo": "Offer for OO Loans ",
                "additionalInfoUri": null,
                "additionalValue": null
              }
            ],
            "discountMethodUType": "fixedAmount",
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            },
            "rateBased": null
          }
        ],
        "feeMethodUType": "fixedAmount",
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        },
        "rateBased": null,
        "variable": null,
        "feeCap": null,
        "feeCapPeriod": null
      },
      {
        "feeType": "EXIT",
        "name": "Discharge Fee",
        "additionalInfo": "Discharge fee to close/discharge the loan",
        "additionalInfoUri": "https://betterchoice.com.au/latest-rates/",
        "additionalValue": null,
        "currency": "AUD",
        "discounts": [],
        "feeMethodUType": "fixedAmount",
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        },
        "rateBased": null,
        "variable": null,
        "feeCap": null,
        "feeCapPeriod": null
      },
      {
        "feeType": "UPFRONT",
        "name": "Document Handling Fee",
        "additionalInfo": "Document fee at the beginning of the loan",
        "additionalInfoUri": "https://betterchoice.com.au/latest-rates/",
        "additionalValue": null,
        "currency": "AUD",
        "discounts": [],
        "feeMethodUType": "fixedAmount",
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        },
        "rateBased": null,
        "variable": null,
        "feeCap": null,
        "feeCapPeriod": null
      },
      {
        "feeType": "UPFRONT",
        "name": "Valuation Fees",
        "additionalInfo": null,
        "additionalInfoUri": "https://betterchoice.com.au/latest-rates/",
        "additionalValue": null,
        "currency": "AUD",
        "discounts": [
          {
            "description": "Valuation Fee refund",
            "discountType": "BALANCE",
            "additionalInfo": null,
            "additionalInfoUri": null,
            "additionalValue": "0.00",
            "eligibility": [
              {
                "discountEligibilityType": "OTHER",
                "additionalInfo": "Only available on OO Loans",
                "additionalInfoUri": null,
                "additionalValue": null
              }
            ],
            "discountMethodUType": "fixedAmount",
            "fixedAmount": {
              "amount": "275.00"
            },
            "rateBased": null
          }
        ],
        "feeMethodUType": "variable",
        "fixedAmount": null,
        "rateBased": null,
        "variable": {
          "feeMinimum": "1.00",
          "feeMaximum": null
        },
        "feeCap": null,
        "feeCapPeriod": null
      }
    ],
    "lendingRates": [
      {
        "lendingRateType": "VARIABLE",
        "rate": "0.0645",
        "additionalInfo": "Basic INV IO Up to 80% LVR",
        "additionalInfoUri": "https://betterchoice.com.au/latest-rates/",
        "additionalValue": null,
        "applicationFrequency": "P1M",
        "calculationFrequency": "P1D",
        "comparisonRate": "0.0654",
        "interestPaymentDue": "IN_ARREARS",
        "loanPurpose": "INVESTMENT",
        "repaymentType": "INTEREST_ONLY",
        "tiers": [
          {
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            "name": "LVR above 70% and equal to or less than 80%",
            "unitOfMeasure": "PERCENT",
            "additionalInfo": null,
            "additionalInfoUri": null,
            "applicabilityConditions": [
              {
                "additionalInfo": null,
                "additionalInfoUri": null,
                "rateApplicabilityType": "NEW_ACCOUNTS",
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              }
            ],
            "maximumValue": "0.80",
            "rateApplicationMethod": "WHOLE_BALANCE"
          },
          {
            "minimumValue": "100000.00",
            "name": "Loan Amount",
            "unitOfMeasure": "DOLLAR",
            "additionalInfo": null,
            "additionalInfoUri": null,
            "applicabilityConditions": [
              {
                "additionalInfo": null,
                "additionalInfoUri": null,
                "rateApplicabilityType": "NEW_ACCOUNTS",
                "additionalValue": null
              }
            ],
            "maximumValue": "2000000.00",
            "rateApplicationMethod": "WHOLE_BALANCE"
          }
        ],
        "applicabilityConditions": [
          {
            "additionalInfo": "Rate applied to new Gold Prime Basic Residential home loans",
            "additionalInfoUri": null,
            "rateApplicabilityType": "NEW_ACCOUNTS",
            "additionalValue": null
          }
        ],
        "applicationType": "PERIODIC"
      },
      {
        "lendingRateType": "VARIABLE",
        "rate": "0.0625",
        "additionalInfo": "Basic INV P&I Up to 70% LVR",
        "additionalInfoUri": "https://betterchoice.com.au/latest-rates/",
        "additionalValue": null,
        "applicationFrequency": "P1M",
        "calculationFrequency": "P1D",
        "comparisonRate": "0.0634",
        "interestPaymentDue": "IN_ARREARS",
        "loanPurpose": "INVESTMENT",
        "repaymentType": "PRINCIPAL_AND_INTEREST",
        "tiers": [
          {
            "minimumValue": "0.00",
            "name": "LVR equal to or less than 70%",
            "unitOfMeasure": "PERCENT",
            "additionalInfo": null,
            "additionalInfoUri": null,
            "applicabilityConditions": [
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                "additionalInfo": null,
                "additionalInfoUri": null,
                "rateApplicabilityType": "NEW_ACCOUNTS",
                "additionalValue": null
              }
            ],
            "maximumValue": "0.70",
            "rateApplicationMethod": "WHOLE_BALANCE"
          },
          {
            "minimumValue": "100000.00",
            "name": "Loan Amount",
            "unitOfMeasure": "DOLLAR",
            "additionalInfo": null,
            "additionalInfoUri": null,
            "applicabilityConditions": [
              {
                "additionalInfo": null,
                "additionalInfoUri": null,
                "rateApplicabilityType": "NEW_ACCOUNTS",
                "additionalValue": null
              }
            ],
            "maximumValue": "2000000.00",
            "rateApplicationMethod": "WHOLE_BALANCE"
          }
        ],
        "applicabilityConditions": [
          {
            "additionalInfo": "Rate applied to new Gold Prime Basic Residential home loans",
            "additionalInfoUri": null,
            "rateApplicabilityType": "NEW_ACCOUNTS",
            "additionalValue": null
          }
        ],
        "applicationType": "PERIODIC"
      },
      {
        "lendingRateType": "VARIABLE",
        "rate": "0.064",
        "additionalInfo": "Basic INV IO Up to 70% LVR",
        "additionalInfoUri": "https://betterchoice.com.au/latest-rates/",
        "additionalValue": null,
        "applicationFrequency": "P1M",
        "calculationFrequency": "P1D",
        "comparisonRate": "0.0649",
        "interestPaymentDue": "IN_ARREARS",
        "loanPurpose": "INVESTMENT",
        "repaymentType": "INTEREST_ONLY",
        "tiers": [
          {
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            "name": "LVR equal to or less than 70%",
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            "additionalInfoUri": null,
            "applicabilityConditions": [
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                "additionalInfo": null,
                "additionalInfoUri": null,
                "rateApplicabilityType": "NEW_ACCOUNTS",
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              }
            ],
            "maximumValue": "0.70",
            "rateApplicationMethod": "WHOLE_BALANCE"
          },
          {
            "minimumValue": "100000.00",
            "name": "Loan Amount",
            "unitOfMeasure": "DOLLAR",
            "additionalInfo": null,
            "additionalInfoUri": null,
            "applicabilityConditions": [
              {
                "additionalInfo": null,
                "additionalInfoUri": null,
                "rateApplicabilityType": "NEW_ACCOUNTS",
                "additionalValue": null
              }
            ],
            "maximumValue": "2000000.00",
            "rateApplicationMethod": "WHOLE_BALANCE"
          }
        ],
        "applicabilityConditions": [
          {
            "additionalInfo": "Rate applied to new Gold Prime Basic Residential home loans",
            "additionalInfoUri": null,
            "rateApplicabilityType": "NEW_ACCOUNTS",
            "additionalValue": null
          }
        ],
        "applicationType": "PERIODIC"
      },
      {
        "lendingRateType": "VARIABLE",
        "rate": "0.063",
        "additionalInfo": "Basic INV P&I Up to 80% LVR",
        "additionalInfoUri": "https://betterchoice.com.au/latest-rates/",
        "additionalValue": null,
        "applicationFrequency": "P1M",
        "calculationFrequency": "P1D",
        "comparisonRate": "0.0639",
        "interestPaymentDue": "IN_ARREARS",
        "loanPurpose": "INVESTMENT",
        "repaymentType": "PRINCIPAL_AND_INTEREST",
        "tiers": [
          {
            "minimumValue": "0.7001",
            "name": "LVR above 70% and equal to or less than 80%",
            "unitOfMeasure": "PERCENT",
            "additionalInfo": null,
            "additionalInfoUri": null,
            "applicabilityConditions": [
              {
                "additionalInfo": null,
                "additionalInfoUri": null,
                "rateApplicabilityType": "NEW_ACCOUNTS",
                "additionalValue": null
              }
            ],
            "maximumValue": "0.80",
            "rateApplicationMethod": "WHOLE_BALANCE"
          },
          {
            "minimumValue": "100000.00",
            "name": "Loan Amount",
            "unitOfMeasure": "DOLLAR",
            "additionalInfo": null,
            "additionalInfoUri": null,
            "applicabilityConditions": [
              {
                "additionalInfo": null,
                "additionalInfoUri": null,
                "rateApplicabilityType": "NEW_ACCOUNTS",
                "additionalValue": null
              }
            ],
            "maximumValue": "2000000.00",
            "rateApplicationMethod": "WHOLE_BALANCE"
          }
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