{
  "source": "https://public.cdr-api.bhccu.com.au/cds-au/v1/banking/products/24",
  "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": "24",
    "effectiveFrom": "2002-07-19T14:30:00.0000000Z",
    "lastUpdated": "2026-06-11T02:00:18.8259621Z",
    "productCategory": "RESIDENTIAL_MORTGAGES",
    "name": "L22 Secured Personal Loan",
    "description": "Purchase Residential Property Where Secured Residential Property Is Valued Less Than $100,000.",
    "brand": "Broken Hill Bank",
    "applicationUri": "https://brokenhill.apply-online.com.au/#/70024325-a0b9-4e2a-b1e8-6ada454dab55",
    "isTailored": false,
    "features": [
      {
        "featureType": "DIGITAL_BANKING",
        "additionalInfo": "24/7 Banking And Instant Access To Your Accounts Via Laptop, Tablet Or Smartphone",
        "additionalInfoUri": "https://brokenhill.bank/access"
      },
      {
        "featureType": "EXTRA_REPAYMENTS"
      },
      {
        "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": "OTHER",
        "additionalInfo": "No Monthly Account Keeping Fees"
      },
      {
        "featureType": "OTHER",
        "additionalInfo": "No Loan Service Fees"
      },
      {
        "featureType": "OTHER",
        "additionalInfo": "No Penalties For Early Payouts"
      },
      {
        "featureType": "REDRAW"
      },
      {
        "featureType": "UNLIMITED_TXNS",
        "additionalInfo": "\"Relationship Rewards\" - Providing You The Opportunity For Fee-Free Banking",
        "additionalInfoUri": "https://brokenhill.bank/rates-and-fees"
      }
    ],
    "constraints": [
      {
        "constraintType": "MAX_LIMIT",
        "additionalValue": "100000.00"
      },
      {
        "constraintType": "MAX_LVR",
        "additionalValue": "0.75"
      },
      {
        "constraintType": "MAX_LVR",
        "additionalValue": "0.95",
        "additionalInfo": "Subject To QBE Lenders Mortgage Insurance"
      },
      {
        "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/#/70024325-a0b9-4e2a-b1e8-6ada454dab55"
      },
      {
        "eligibilityType": "RESIDENCY_STATUS",
        "additionalValue": "Australian Citizens Or Permanent Residents",
        "additionalInfo": "Residents Of Australia Are Eligible"
      }
    ],
    "fees": [
      {
        "name": "Loan Redraw Processing Fee",
        "feeType": "TRANSACTION",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "35.00"
        },
        "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": "Loan Establishment Fee",
        "feeType": "UPFRONT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "655.00"
        },
        "currency": "AUD"
      },
      {
        "name": "Loan Establishment Fee - Self Employed or Debt Consolidation",
        "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": "Loan Establishment Fee - Lenders Mortgage Insurance",
        "feeType": "UPFRONT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "855.00"
        },
        "currency": "AUD"
      },
      {
        "name": "Loan 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": "Progress Drawdown Fee",
        "feeType": "EVENT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "150.00"
        },
        "currency": "AUD"
      },
      {
        "name": "IPEX Fee",
        "feeType": "UPFRONT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "35.00"
        },
        "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": "Enforcement Expense",
        "feeType": "EVENT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "0.00"
        },
        "currency": "AUD"
      }
    ],
    "lendingRates": [
      {
        "lendingRateType": "VARIABLE",
        "rate": "0.1375",
        "comparisonRate": "0.138",
        "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",
        "additionalInfoUri": "https://brokenhill.bank/home-loan"
      }
    ]
  }
}