{ "source": "https://public.cdr.bnk.com.au/cds-au/v1/banking/products/4002", "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 Prime Alt Doc Variable Home Loan offers a standard variable loan for loans between $2.50M to $5.00M with the option to use alternative forms to verify income. 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Guarantees\nfrom companies & trusts are not acceptable", "additionalInfoUri": null, "additionalValue": null }, { "eligibilityType": "MIN_AGE", "additionalInfo": null, "additionalInfoUri": null, "additionalValue": "18" }, { "eligibilityType": "OTHER", "additionalInfo": "An Australian corporate trustee as trustee for a family trust, (provided the corporate trustee is a nontrading entity) and the family trust beneficiaries are all individuals", "additionalInfoUri": null, "additionalValue": null }, { "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": "OTHER", "additionalInfo": "Split Loans available ", "additionalInfoUri": "https://betterchoice.com.au/home-loan-introducer-portal/fact-sheets/", "additionalValue": null, "isActivated": "UNKNOWN" }, { "featureType": "OTHER", "additionalInfo": "Pay weekly, fortnightly or monthly", "additionalInfoUri": "https://betterchoice.com.au/home-loan-introducer-portal/fact-sheets/", "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": "https://betterchoice.com.au/home-loan-introducer-portal/fact-sheets/", "additionalValue": null, "isActivated": "UNKNOWN" }, { "featureType": "OFFSET", "additionalInfo": "Fully transactional 100% Offset Account. Note Better Choice offset sub-accounts do not have access by cards.", "additionalInfoUri": "https://betterchoice.com.au/home-loan-introducer-portal/fact-sheets/", "additionalValue": null, "isActivated": "UNKNOWN" }, { "featureType": "OTHER", "additionalInfo": "Pay interest only. You can pay just the interest for up to 5 years for both Owner Occupied and Investment properties ", "additionalInfoUri": "https://betterchoice.com.au/home-loan-introducer-portal/fact-sheets/", "additionalValue": null, "isActivated": "UNKNOWN" }, { "featureType": "DIGITAL_BANKING", "additionalInfo": "Free internet and telephone transacting", "additionalInfoUri": "https://betterchoice.com.au/home-loan-introducer-portal/fact-sheets/", "additionalValue": null, "isActivated": "UNKNOWN" }, { "featureType": "REDRAW", "additionalInfo": null, "additionalInfoUri": "https://betterchoice.com.au/home-loan-introducer-portal/fact-sheets/", "additionalValue": null, "isActivated": "UNKNOWN" } ], "fees": [ { "feeType": "EVENT", "name": "Variation Fee", "additionalInfo": "Conversion - Convert to Fixed Rate (Full or Partial), Interest Only, Principal & Interest, Full Doc", "additionalInfoUri": "https://d9a7lp1kie9ya.cloudfront.net/2025/12/EXISTING-Fees-Charges-111225.pdf", "additionalValue": null, "currency": "AUD", "discounts": [], "feeMethodUType": "fixedAmount", "fixedAmount": { "amount": "200.00" }, "rateBased": null, "variable": null, "feeCap": null, "feeCapPeriod": null }, { "feeType": "EVENT", "name": "Substitution of Security", "additionalInfo": "Substitution of Security", "additionalInfoUri": "https://d9a7lp1kie9ya.cloudfront.net/2025/12/EXISTING-Fees-Charges-111225.pdf", "additionalValue": null, "currency": "AUD", "discounts": [], "feeMethodUType": "fixedAmount", "fixedAmount": { "amount": "690.00" }, "rateBased": null, "variable": null, "feeCap": null, "feeCapPeriod": null }, { "feeType": "EVENT", "name": "Valuation Fees - 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