{
  "source": "https://public.cdr-api.bhccu.com.au/cds-au/v1/banking/products/23",
  "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": "23",
    "effectiveFrom": "2006-08-29T14:30:00.0000000Z",
    "lastUpdated": "2026-07-16T08:00:17.6330834Z",
    "productCategory": "OVERDRAFTS",
    "name": "S40 Home Equity Advantage",
    "description": "Borrow Using The Equity Of Your Home, Or An Investment Property, With An Overdraft Limit Linked To Your Transactional Account. A Secured Overdraft Facility Gives You The Financial Freedom And Flexibility To Pursue Your Financial Goals.",
    "brand": "Broken Hill Bank",
    "applicationUri": "https://brokenhill.apply-online.com.au/#/9339b246-de9f-4752-ac44-6cda94f6b60f",
    "isTailored": false,
    "additionalInformation": {
      "overviewUri": "https://brokenhill.bank/home-loan",
      "feesAndPricingUri": "https://brokenhill.bank/home-loan"
    },
    "features": [
      {
        "featureType": "ADDITIONAL_CARDS",
        "additionalInfoUri": "https://brokenhill.bank/access"
      },
      {
        "featureType": "BILL_PAYMENT",
        "additionalValue": "NPP, PayID, Osko And BPAY",
        "additionalInfo": "Pay Bills In Branch Or Via Your Digital Services Using NPP, PayID, Osko And BPAY"
      },
      {
        "featureType": "CARD_ACCESS",
        "additionalValue": "VISA Debit Card",
        "additionalInfo": "Linked To A VISA Debit Card, With PayWave",
        "additionalInfoUri": "https://brokenhill.bank/access"
      },
      {
        "featureType": "DIGITAL_BANKING",
        "additionalInfo": "24/7 Banking And Instant Access To Your Accounts Via Laptop, Tablet Or Smartphone",
        "additionalInfoUri": "https://brokenhill.bank/access"
      },
      {
        "featureType": "DIGITAL_WALLET",
        "additionalValue": "ApplePay, GooglePay And SamsungPay",
        "additionalInfo": "Secure Contactless Payments, With ApplePay, GooglePay And SamsungPay, With Your Phone",
        "additionalInfoUri": "https://brokenhill.bank/digital-wallet"
      },
      {
        "featureType": "LOYALTY_PROGRAM",
        "additionalValue": "\"Relationship Rewards\"",
        "additionalInfo": "\"Relationship Rewards\" - Providing You The Opportunity For Fee-Free Banking",
        "additionalInfoUri": "https://brokenhill.bank/rates-and-fees"
      },
      {
        "featureType": "NPP_ENABLED",
        "additionalInfo": "\"New Payments Platform (NPP)\" - Making Payments Faster And Simpler"
      },
      {
        "featureType": "NPP_PAYID",
        "additionalInfo": "\"PayID\" - An Alternative Way To Make Payments Instead Of Remembering Account Numbers",
        "additionalInfoUri": "https://brokenhill.bank/payid"
      },
      {
        "featureType": "OVERDRAFT",
        "additionalInfo": "Subject To Eligibility For Credit Via Loan Application Assessment",
        "additionalInfoUri": "https://brokenhill.apply-online.com.au/#/9339b246-de9f-4752-ac44-6cda94f6b60f"
      },
      {
        "featureType": "UNLIMITED_TXNS",
        "additionalInfo": "\"Relationship Rewards\" - Providing You The Opportunity For Fee-Free Banking",
        "additionalInfoUri": "https://brokenhill.bank/rates-and-fees"
      },
      {
        "featureType": "EXTRA_REPAYMENTS"
      },
      {
        "featureType": "OTHER",
        "additionalInfo": "No Penalties For Early Payouts"
      }
    ],
    "constraints": [
      {
        "constraintType": "MIN_LIMIT",
        "additionalValue": "2000.00"
      }
    ],
    "eligibility": [
      {
        "eligibilityType": "MIN_AGE",
        "additionalValue": "18"
      },
      {
        "eligibilityType": "OTHER",
        "additionalInfo": "Subject To Eligibility For Credit Via Loan Application Assessment",
        "additionalInfoUri": "https://brokenhill.apply-online.com.au/#/9339b246-de9f-4752-ac44-6cda94f6b60f"
      },
      {
        "eligibilityType": "RESIDENCY_STATUS",
        "additionalValue": "Australian Citizens Or Permanent Residents",
        "additionalInfo": "Residents Of Australia Are Eligible"
      }
    ],
    "fees": [
      {
        "name": "Periodical Payment Rejection",
        "feeType": "EVENT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "15.00"
        },
        "currency": "AUD"
      },
      {
        "name": "Periodical Payment Alteration",
        "feeType": "EVENT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "5.00"
        },
        "currency": "AUD"
      },
      {
        "name": "Periodical Payment Fee",
        "feeType": "TRANSACTION",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "0.00"
        },
        "currency": "AUD"
      },
      {
        "name": "Statement Copy Fee (> 12 Months)",
        "feeType": "EVENT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "5.00"
        },
        "currency": "AUD"
      },
      {
        "name": "Swift Payment Deposit",
        "feeType": "EVENT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "35.00"
        },
        "currency": "AUD"
      },
      {
        "name": "Over The Counter Cheque Withdrawal Fee",
        "feeType": "TRANSACTION",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "0.00"
        },
        "currency": "AUD"
      },
      {
        "name": "Electronic Funds Transfer Fee",
        "feeType": "TRANSACTION",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "0.00"
        },
        "currency": "AUD"
      },
      {
        "name": "Miscellaneous Service Fee",
        "feeType": "EVENT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "35.00"
        },
        "currency": "AUD"
      },
      {
        "name": "ATM/POS Withdrawal",
        "feeType": "TRANSACTION",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "0.00"
        },
        "currency": "AUD",
        "discounts": [
          {
            "description": "Only customers older than a minimum age receive the discount",
            "discountType": "ELIGIBILITY_ONLY",
            "discountMethodUType": "rateBased",
            "rateBased": {
              "rateType": "FEE",
              "rate": "1.0",
              "amountRange": {}
            },
            "eligibility": [
              {
                "discountEligibilityType": "MIN_AGE",
                "additionalValue": "70"
              }
            ]
          }
        ]
      },
      {
        "name": "Direct Debit",
        "feeType": "TRANSACTION",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "0.00"
        },
        "currency": "AUD",
        "discounts": [
          {
            "description": "Only customers older than a minimum age receive the discount",
            "discountType": "ELIGIBILITY_ONLY",
            "discountMethodUType": "rateBased",
            "rateBased": {
              "rateType": "FEE",
              "rate": "1.0",
              "amountRange": {}
            },
            "eligibility": [
              {
                "discountEligibilityType": "MIN_AGE",
                "additionalValue": "70"
              }
            ]
          }
        ]
      },
      {
        "name": "Over The Counter External Transfer Fee",
        "feeType": "EVENT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "8.00"
        },
        "currency": "AUD"
      },
      {
        "name": "BPay Transaction Fee",
        "feeType": "TRANSACTION",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "0.00"
        },
        "currency": "AUD",
        "discounts": [
          {
            "description": "Only customers older than a minimum age receive the discount",
            "discountType": "ELIGIBILITY_ONLY",
            "discountMethodUType": "rateBased",
            "rateBased": {
              "rateType": "FEE",
              "rate": "1.0",
              "amountRange": {}
            },
            "eligibility": [
              {
                "discountEligibilityType": "MIN_AGE",
                "additionalValue": "70"
              }
            ]
          }
        ]
      },
      {
        "name": "Faxed Statement/Transfer Fees",
        "feeType": "EVENT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "10.00"
        },
        "currency": "AUD"
      },
      {
        "name": "Replacement VISA Card Fee",
        "feeType": "EVENT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "25.00"
        },
        "currency": "AUD"
      },
      {
        "name": "Emergency VISA Fee",
        "feeType": "EVENT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "50.00"
        },
        "currency": "AUD"
      },
      {
        "name": "VISA Chargback / Voucher Fee",
        "feeType": "EVENT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "35.00"
        },
        "currency": "AUD"
      },
      {
        "name": "Account Combination Fee",
        "feeType": "EVENT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "15.00"
        },
        "currency": "AUD"
      },
      {
        "name": "VISA Manual Processing Fee",
        "feeType": "EVENT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "20.00"
        },
        "currency": "AUD"
      },
      {
        "name": "Staff Assisted Internet Banking Transaction",
        "feeType": "EVENT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "5.00"
        },
        "currency": "AUD"
      },
      {
        "name": "Paper Statement Fee",
        "feeType": "EVENT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "0.00"
        },
        "currency": "AUD"
      },
      {
        "name": "Discharge Of Mortgage Fee",
        "feeType": "EVENT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "500.52"
        },
        "currency": "AUD"
      },
      {
        "name": "Lenders Mortgage Insurance",
        "feeType": "UPFRONT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "0.00"
        },
        "currency": "AUD"
      },
      {
        "name": "Enforcement Collection Cost",
        "feeType": "EVENT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "0.00"
        },
        "currency": "AUD"
      },
      {
        "name": "Valuation Fee",
        "feeType": "UPFRONT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "0.00"
        },
        "currency": "AUD"
      },
      {
        "name": "Solicitors Fee",
        "feeType": "UPFRONT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "0.00"
        },
        "currency": "AUD"
      },
      {
        "name": "Registration Fee",
        "feeType": "UPFRONT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "0.00"
        },
        "currency": "AUD"
      },
      {
        "name": "Agents Fee",
        "feeType": "UPFRONT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "0.00"
        },
        "currency": "AUD"
      },
      {
        "name": "Credit Report Fee",
        "feeType": "UPFRONT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "20.00"
        },
        "currency": "AUD"
      },
      {
        "name": "Overdraft Establishment Fee - Mortgage Secured",
        "feeType": "UPFRONT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "655.00"
        },
        "currency": "AUD"
      },
      {
        "name": "Overdraft Establishment Fee - Self Employed",
        "feeType": "UPFRONT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "705.00"
        },
        "currency": "AUD"
      },
      {
        "name": "BHCCU Enforcement Expense",
        "feeType": "EVENT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "0.00"
        },
        "currency": "AUD"
      },
      {
        "name": "Contract Variation Fee",
        "feeType": "EVENT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "275.00"
        },
        "currency": "AUD"
      },
      {
        "name": "Guarantee Security Fee",
        "feeType": "EVENT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "325.00"
        },
        "currency": "AUD"
      },
      {
        "name": "Discharge Administration Fee",
        "feeType": "EVENT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "250.00"
        },
        "currency": "AUD"
      },
      {
        "name": "Credit Bureau Default Listing",
        "feeType": "EVENT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "75.00"
        },
        "currency": "AUD"
      },
      {
        "name": "Electronic Settlement Fee",
        "feeType": "UPFRONT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "0.00"
        },
        "currency": "AUD"
      },
      {
        "name": "Security Handling Fee",
        "feeType": "EVENT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "200.00"
        },
        "currency": "AUD"
      },
      {
        "name": "Settlement Fee",
        "feeType": "EVENT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "150.00"
        },
        "currency": "AUD"
      },
      {
        "name": "Debt Agreement Fee",
        "feeType": "EVENT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "150.00"
        },
        "currency": "AUD"
      },
      {
        "name": "Overdraft Account Keeping Fee",
        "feeType": "PERIODIC",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "7.00"
        },
        "currency": "AUD",
        "additionalValue": "P1M"
      },
      {
        "name": "Enforcement Expense",
        "feeType": "EVENT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "0.00"
        },
        "currency": "AUD"
      }
    ],
    "depositRates": [],
    "lendingRates": [
      {
        "lendingRateType": "VARIABLE",
        "rate": "0.083",
        "calculationFrequency": "P1D",
        "applicationType": "PERIODIC",
        "applicationFrequency": "P1M",
        "interestPaymentDue": "IN_ARREARS",
        "repaymentType": "PRINCIPAL_AND_INTEREST",
        "loanPurpose": "UNCONSTRAINED",
        "additionalInfo": "Reference Rate Provided And Subject To Assessment Of Application For Credit, With Interest Rate Being Offered Upon Approval"
      }
    ]
  }
}