{
  "source": "https://public.cdr-api.bhccu.com.au/cds-au/v1/banking/products/57",
  "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": "57",
    "effectiveFrom": "2026-02-01T13:30:00.0000000Z",
    "lastUpdated": "2026-06-11T04:00:17.6722147Z",
    "productCategory": "RESIDENTIAL_MORTGAGES",
    "name": "Choice Home Loan Interest Only",
    "description": "Pay Only The Interest On Our Choice Interest Only Home Loan. A Low Rate Which Is Ideal If You're Looking For Bridging Finance.",
    "brand": "Broken Hill Bank",
    "applicationUri": "https://brokenhill.apply-online.com.au/#/70024325-a0b9-4e2a-b1e8-6ada454dab55",
    "isTailored": false,
    "additionalInformation": {
      "overviewUri": "https://brokenhill.bank/home-loan",
      "feesAndPricingUri": "https://brokenhill.bank/home-loan"
    },
    "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": "UNLIMITED_TXNS",
        "additionalInfo": "\"Relationship Rewards\" - Providing You The Opportunity For Fee-Free Banking",
        "additionalInfoUri": "https://brokenhill.bank/rates-and-fees"
      }
    ],
    "constraints": [
      {
        "constraintType": "MAX_LVR",
        "additionalValue": "0.70"
      },
      {
        "constraintType": "MIN_LIMIT",
        "additionalValue": "250000.00"
      }
    ],
    "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": "Discharge of Mortgage Fee",
        "feeType": "UPFRONT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "648.92"
        },
        "currency": "AUD"
      },
      {
        "name": "Veda credit report fee",
        "feeType": "UPFRONT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "19.95"
        },
        "currency": "AUD"
      },
      {
        "name": "Loan Establishment Fee",
        "feeType": "EVENT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "655.00"
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        "currency": "AUD"
      },
      {
        "name": "Loan Establishment Fee",
        "feeType": "EVENT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "705.00"
        },
        "currency": "AUD"
      },
      {
        "name": "Loan Establishment Fee #",
        "feeType": "UPFRONT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "855.00"
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        "currency": "AUD"
      },
      {
        "name": "Loan Contract Variation Fee",
        "feeType": "EVENT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "225.00"
        },
        "currency": "AUD"
      },
      {
        "name": "Guarantee Security Fee",
        "feeType": "EVENT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "225.00"
        },
        "currency": "AUD"
      },
      {
        "name": "Discharge of Mortgage Fee",
        "feeType": "UPFRONT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "125.00"
        },
        "currency": "AUD"
      },
      {
        "name": "Credit Bureau Default Listing",
        "feeType": "EVENT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "50.00"
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        "currency": "AUD"
      },
      {
        "name": "Security Handling Fee",
        "feeType": "EVENT",
        "feeMethodUType": "fixedAmount",
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        "currency": "AUD"
      },
      {
        "name": "IPEX Fee - Loan Funding #",
        "feeType": "UPFRONT",
        "feeMethodUType": "fixedAmount",
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        "currency": "AUD"
      },
      {
        "name": "Settlement Fee",
        "feeType": "EVENT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "150.00"
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        "currency": "AUD"
      },
      {
        "name": "Debt Agreement Fee",
        "feeType": "EVENT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "150.00"
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        "currency": "AUD"
      }
    ],
    "lendingRates": [
      {
        "lendingRateType": "VARIABLE",
        "rate": "0.0659",
        "comparisonRate": "0.0664",
        "calculationFrequency": "P1D",
        "applicationType": "PERIODIC",
        "applicationFrequency": "P1M",
        "interestPaymentDue": "IN_ARREARS",
        "repaymentType": "INTEREST_ONLY",
        "loanPurpose": "OWNER_OCCUPIED"
      }
    ]
  }
}