{
  "source": "https://public.cdr-api.coastline.com.au/cds-au/v1/banking/products/19",
  "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": "19",
    "effectiveFrom": "2006-06-30T14:30:00.0000000Z",
    "lastUpdated": "2026-07-15T06:00:15.4982803Z",
    "productCategory": "OVERDRAFTS",
    "name": "Home Equity Access",
    "description": "Home Equity Access",
    "brand": "Coastline ",
    "applicationUri": "https://foss.coastline.com.au/FileView/Form/personal-products-enquiry-form",
    "isTailored": false,
    "additionalInformation": {
      "overviewUri": "https://www.coastline.com.au/personal/home-equity-access-loan",
      "termsUri": "https://www.coastline.com.au/personal/home-equity-access-loan",
      "eligibilityUri": "https://www.coastline.com.au/personal/home-equity-access-loan",
      "feesAndPricingUri": "https://www.coastline.com.au/conditions-of-use",
      "bundleUri": "https://www.coastline.com.au/personal/home-equity-access-loan"
    },
    "cardArt": [
      {
        "cardScheme": "VISA",
        "cardType": "DEBIT",
        "title": "Visa Debit Card",
        "imageUri": "https://cdn.sanity.io/images/djf521sf/production/754dc12a636715c913ba2beaac4369344d16e4d8-1536x969.png"
      }
    ],
    "features": [
      {
        "featureType": "ADDITIONAL_CARDS"
      },
      {
        "featureType": "CARD_ACCESS",
        "additionalValue": "Visa Debit Card"
      },
      {
        "featureType": "DIGITAL_BANKING"
      },
      {
        "featureType": "DIGITAL_WALLET",
        "additionalValue": "Apply Pay, Google, Pay"
      },
      {
        "featureType": "NPP_ENABLED"
      },
      {
        "featureType": "NPP_PAYID"
      },
      {
        "featureType": "OVERDRAFT"
      },
      {
        "featureType": "UNLIMITED_TXNS",
        "additionalInfo": "Transactions performed via these channels:\r\nATM through machines controlled by BCU,Westpac, St George *Bank SA\r\nEftpos\r\nInternet Banking\r\nBPay\r\nDirect Debits & Credits\r\nDeposits"
      },
      {
        "featureType": "GUARANTOR"
      }
    ],
    "constraints": [
      {
        "constraintType": "MIN_LIMIT",
        "additionalValue": "50000.00"
      }
    ],
    "eligibility": [
      {
        "eligibilityType": "MIN_AGE",
        "additionalValue": "18"
      },
      {
        "eligibilityType": "NATURAL_PERSON"
      },
      {
        "eligibilityType": "RESIDENCY_STATUS",
        "additionalValue": "Australia"
      }
    ],
    "fees": [
      {
        "name": "Emergency Card Issue Fee",
        "feeType": "EVENT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "15.00"
        },
        "currency": "AUD"
      },
      {
        "name": "Security Token",
        "feeType": "EVENT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "20.00"
        },
        "currency": "AUD"
      },
      {
        "name": "Home Equity Base Bal Fee",
        "feeType": "PERIODIC",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "5.00"
        },
        "currency": "AUD",
        "additionalValue": "P1M"
      },
      {
        "name": "Agency Withdrawal Fee",
        "feeType": "EVENT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "10.00"
        },
        "currency": "AUD"
      },
      {
        "name": "Elec Outbound Rejection Fee",
        "feeType": "EVENT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "5.00"
        },
        "currency": "AUD"
      },
      {
        "name": "Duplicate Statement Fee",
        "feeType": "EVENT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "5.00"
        },
        "currency": "AUD"
      },
      {
        "name": "Card Dispute Fee",
        "feeType": "EVENT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "33.00"
        },
        "currency": "AUD"
      },
      {
        "name": "BPAY Error Correction Fee",
        "feeType": "EVENT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "11.50"
        },
        "currency": "AUD"
      },
      {
        "name": "ATM Transaction Fee",
        "feeType": "EVENT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "1.00"
        },
        "currency": "AUD"
      },
      {
        "name": "EFTPOS Decl Trans Fee",
        "feeType": "TRANSACTION",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "0.00"
        },
        "currency": "AUD"
      },
      {
        "name": "Replacement Card Fee",
        "feeType": "EVENT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "10.00"
        },
        "currency": "AUD"
      },
      {
        "name": "Safe Custody Fee",
        "feeType": "EVENT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "25.00"
        },
        "currency": "AUD"
      },
      {
        "name": "Audit Certificate Fee",
        "feeType": "EVENT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "25.00"
        },
        "currency": "AUD"
      },
      {
        "name": "Piggy Bank",
        "feeType": "EVENT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "5.00"
        },
        "currency": "AUD"
      },
      {
        "name": "Home Equity Withdrawal Fee",
        "feeType": "TRANSACTION",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "1.50"
        },
        "currency": "AUD"
      },
      {
        "name": "Presented Cheque Fee",
        "feeType": "TRANSACTION",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "0.75"
        },
        "currency": "AUD"
      },
      {
        "name": "Non CCU ATM Transaction Fee",
        "feeType": "EVENT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "1.50"
        },
        "currency": "AUD"
      },
      {
        "name": "Non CCU ATM Decl Trans Fee",
        "feeType": "EVENT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "1.50"
        },
        "currency": "AUD"
      },
      {
        "name": "Non CCU ATM Bal Enq Fee",
        "feeType": "EVENT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "1.50"
        },
        "currency": "AUD"
      },
      {
        "name": "Credit Card Annual Fee",
        "feeType": "EVENT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "75.00"
        },
        "currency": "AUD"
      },
      {
        "name": "ATM Direct Charge",
        "feeType": "EVENT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "0.00"
        },
        "currency": "AUD"
      },
      {
        "name": "Bank's Solicitor Mtg Disch Fee",
        "feeType": "TRANSACTION",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "380.00"
        },
        "currency": "AUD"
      },
      {
        "name": "Mortgage Discharge Fee",
        "feeType": "TRANSACTION",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "250.00"
        },
        "currency": "AUD"
      },
      {
        "name": "Non Coastline ATM Wdl Fee",
        "feeType": "TRANSACTION",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "0.00"
        },
        "currency": "AUD"
      },
      {
        "name": "Staff Assisted Electronic Pmnt",
        "feeType": "TRANSACTION",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "2.25"
        },
        "currency": "AUD"
      },
      {
        "name": "Honour Fee",
        "feeType": "EVENT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "5.00"
        },
        "currency": "AUD"
      },
      {
        "name": "Dishonour Fee",
        "feeType": "EVENT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "5.00"
        },
        "currency": "AUD"
      },
      {
        "name": "Real Time Transfer Fee",
        "feeType": "EVENT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "20.00"
        },
        "currency": "AUD"
      },
      {
        "name": "Overseas ATM Wdl Fee",
        "feeType": "TRANSACTION",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "5.00"
        },
        "currency": "AUD"
      },
      {
        "name": "Loan Establishment Fee",
        "feeType": "UPFRONT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "595.00"
        },
        "currency": "AUD"
      },
      {
        "name": "Settlement Disbursement Fee",
        "feeType": "UPFRONT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "5.00"
        },
        "currency": "AUD"
      },
      {
        "name": "CU Solicitor Mtg Discharge Fee",
        "feeType": "TRANSACTION",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "380.00"
        },
        "currency": "AUD"
      },
      {
        "name": "PPSR Security Interest Fee",
        "feeType": "UPFRONT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "50.00"
        },
        "currency": "AUD"
      },
      {
        "name": "Property Search Fee",
        "feeType": "UPFRONT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "30.00"
        },
        "currency": "AUD"
      },
      {
        "name": "Manual Arrears Transfer Fee",
        "feeType": "EVENT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "5.00"
        },
        "currency": "AUD"
      },
      {
        "name": "Arrears Reminder Fee",
        "feeType": "EVENT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "5.00"
        },
        "currency": "AUD"
      },
      {
        "name": "Final Notice of Demand",
        "feeType": "EVENT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "40.00"
        },
        "currency": "AUD"
      },
      {
        "name": "Real Time Transfer/NPP Fee",
        "feeType": "UPFRONT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "20.00"
        },
        "currency": "AUD"
      }
    ],
    "lendingRates": [
      {
        "lendingRateType": "VARIABLE",
        "rate": "0.0831",
        "calculationFrequency": "P1D",
        "applicationType": "PERIODIC",
        "applicationFrequency": "P1M",
        "interestPaymentDue": "IN_ARREARS",
        "repaymentType": "INTEREST_ONLY",
        "loanPurpose": "OWNER_OCCUPIED",
        "tiers": [
          {
            "name": "USER-INPUT-RATE/$150K+",
            "unitOfMeasure": "DOLLAR",
            "minimumValue": "150000.00",
            "rateApplicationMethod": "PER_TIER",
            "applicabilityConditions": [
              {
                "rateApplicabilityType": "EXISTING_CUST"
              },
              {
                "rateApplicabilityType": "NEW_ACCOUNTS"
              },
              {
                "rateApplicabilityType": "NEW_CUSTOMER"
              }
            ]
          }
        ],
        "applicabilityConditions": [
          {
            "rateApplicabilityType": "EXISTING_CUST"
          },
          {
            "rateApplicabilityType": "NEW_ACCOUNTS"
          },
          {
            "rateApplicabilityType": "NEW_CUSTOMER"
          }
        ]
      },
      {
        "lendingRateType": "VARIABLE",
        "rate": "0.0861",
        "calculationFrequency": "P1D",
        "applicationType": "PERIODIC",
        "applicationFrequency": "P1M",
        "interestPaymentDue": "IN_ARREARS",
        "repaymentType": "INTEREST_ONLY",
        "loanPurpose": "OWNER_OCCUPIED",
        "tiers": [
          {
            "name": "USER-INPUT-RATE/$50K-$150K",
            "unitOfMeasure": "DOLLAR",
            "minimumValue": "50000.00",
            "maximumValue": "149999.00",
            "rateApplicationMethod": "PER_TIER",
            "applicabilityConditions": [
              {
                "rateApplicabilityType": "EXISTING_CUST"
              },
              {
                "rateApplicabilityType": "NEW_ACCOUNTS"
              },
              {
                "rateApplicabilityType": "NEW_CUSTOMER"
              }
            ]
          }
        ],
        "applicabilityConditions": [
          {
            "rateApplicabilityType": "EXISTING_CUST"
          },
          {
            "rateApplicabilityType": "NEW_ACCOUNTS"
          },
          {
            "rateApplicabilityType": "NEW_CUSTOMER"
          }
        ]
      }
    ]
  }
}