{
  "source": "https://public.cdr-api.coastline.com.au/cds-au/v1/banking/products/34",
  "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": "34",
    "effectiveFrom": "2006-06-30T14:30:00.0000000Z",
    "lastUpdated": "2026-07-15T04:00:15.0538447Z",
    "productCategory": "RESIDENTIAL_MORTGAGES",
    "name": "Options Home Loan",
    "description": "Options Home Loan",
    "brand": "Coastline ",
    "applicationUri": "https://apply.coastline.com.au/cip/coastline/p/coastline/consumercredit/application.html?a=UDIYMN06R7P6YVQ7&s=APPLICATION::UDIYMN06R7P6YVQ7",
    "isTailored": false,
    "additionalInformation": {
      "overviewUri": "https://www.coastline.com.au/personal/home-loans",
      "termsUri": "https://www.coastline.com.au/conditions-of-use/",
      "eligibilityUri": "https://www.coastline.com.au/conditions-of-use/",
      "feesAndPricingUri": "https://www.coastline.com.au/conditions-of-use/",
      "bundleUri": "https://www.coastline.com.au/personal/home-loans"
    },
    "features": [
      {
        "featureType": "DIGITAL_BANKING"
      },
      {
        "featureType": "EXTRA_REPAYMENTS",
        "additionalInfo": "There is no limit to the extra amount/value of repayments added to the loan as long as the balance owed does not come back to $0.00 or put in a positive position."
      },
      {
        "featureType": "GUARANTOR"
      },
      {
        "featureType": "NPP_ENABLED"
      },
      {
        "featureType": "OTHER",
        "additionalInfo": "6 Month Variable Introductory Rate"
      },
      {
        "featureType": "REDRAW"
      }
    ],
    "constraints": [
      {
        "constraintType": "MAX_LVR",
        "additionalValue": "95.00"
      }
    ],
    "eligibility": [
      {
        "eligibilityType": "MIN_AGE",
        "additionalValue": "18"
      },
      {
        "eligibilityType": "NATURAL_PERSON"
      },
      {
        "eligibilityType": "RESIDENCY_STATUS",
        "additionalValue": "Australia"
      }
    ],
    "fees": [
      {
        "name": "Loan Establishment Fee",
        "feeType": "UPFRONT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "595.00"
        },
        "currency": "AUD"
      },
      {
        "name": "Loan Administration Fee",
        "feeType": "PERIODIC",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "8.00"
        },
        "currency": "AUD",
        "additionalValue": "P1M"
      },
      {
        "name": "Loan Renegotiation Fee",
        "feeType": "EVENT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "150.00"
        },
        "currency": "AUD"
      },
      {
        "name": "Settlement Disbursement Fee",
        "feeType": "UPFRONT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "5.00"
        },
        "currency": "AUD"
      },
      {
        "name": "Loan Switching Fee",
        "feeType": "EVENT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "200.00"
        },
        "currency": "AUD"
      },
      {
        "name": "Loan Estab Fee - Owner Builder",
        "feeType": "UPFRONT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "595.00"
        },
        "currency": "AUD"
      },
      {
        "name": "Scheduling Fee - Owner Builder",
        "feeType": "UPFRONT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "550.00"
        },
        "currency": "AUD"
      },
      {
        "name": "Progress Draw Fee-Construction",
        "feeType": "UPFRONT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "95.00"
        },
        "currency": "AUD"
      },
      {
        "name": "CU Solicitor Mtg Discharge 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": "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"
      },
      {
        "name": "Loan Redraw Fee",
        "feeType": "TRANSACTION",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "20.00"
        },
        "currency": "AUD"
      },
      {
        "name": "Loan Redraw Fee",
        "feeType": "TRANSACTION",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "0.00"
        },
        "currency": "AUD"
      }
    ],
    "lendingRates": [
      {
        "lendingRateType": "INTRODUCTORY",
        "rate": "0.0569",
        "comparisonRate": "0.0831",
        "calculationFrequency": "P1D",
        "applicationType": "PERIODIC",
        "applicationFrequency": "P1M",
        "interestPaymentDue": "IN_ARREARS",
        "repaymentType": "PRINCIPAL_AND_INTEREST",
        "loanPurpose": "OWNER_OCCUPIED",
        "tiers": [
          {
            "name": "USER-INPUT-RATE/LVR<=60%",
            "unitOfMeasure": "PERCENT",
            "minimumValue": "0.0",
            "maximumValue": "0.6",
            "rateApplicationMethod": "WHOLE_BALANCE",
            "applicabilityConditions": [
              {
                "rateApplicabilityType": "EXISTING_CUST"
              },
              {
                "rateApplicabilityType": "MIN_DEPOSITS",
                "additionalValue": "1"
              },
              {
                "rateApplicabilityType": "NEW_ACCOUNTS"
              },
              {
                "rateApplicabilityType": "NEW_CUSTOMER"
              }
            ]
          }
        ],
        "applicabilityConditions": [
          {
            "rateApplicabilityType": "EXISTING_CUST"
          },
          {
            "rateApplicabilityType": "MIN_DEPOSITS",
            "additionalValue": "1"
          },
          {
            "rateApplicabilityType": "NEW_ACCOUNTS"
          },
          {
            "rateApplicabilityType": "NEW_CUSTOMER"
          }
        ],
        "additionalValue": "P6M",
        "additionalInfo": "6 MONTH VARIABLE INTRODUCTORY RATE WITH LVR <= 60%"
      },
      {
        "lendingRateType": "INTRODUCTORY",
        "rate": "0.0619",
        "comparisonRate": "0.0834",
        "calculationFrequency": "P1D",
        "applicationType": "PERIODIC",
        "applicationFrequency": "P1M",
        "interestPaymentDue": "IN_ARREARS",
        "repaymentType": "PRINCIPAL_AND_INTEREST",
        "loanPurpose": "OWNER_OCCUPIED",
        "tiers": [
          {
            "name": "USER-INPUT-RATE/LVR>60%To<=80%",
            "unitOfMeasure": "PERCENT",
            "minimumValue": "0.6001",
            "maximumValue": "0.8",
            "rateApplicationMethod": "WHOLE_BALANCE",
            "applicabilityConditions": [
              {
                "rateApplicabilityType": "EXISTING_CUST"
              },
              {
                "rateApplicabilityType": "MIN_DEPOSITS",
                "additionalValue": "1"
              },
              {
                "rateApplicabilityType": "NEW_ACCOUNTS"
              },
              {
                "rateApplicabilityType": "NEW_CUSTOMER"
              }
            ]
          }
        ],
        "applicabilityConditions": [
          {
            "rateApplicabilityType": "EXISTING_CUST"
          },
          {
            "rateApplicabilityType": "MIN_DEPOSITS",
            "additionalValue": "1"
          },
          {
            "rateApplicabilityType": "NEW_ACCOUNTS"
          },
          {
            "rateApplicabilityType": "NEW_CUSTOMER"
          }
        ],
        "additionalValue": "P6M",
        "additionalInfo": "6 MONTH VARIABLE INTRODUCTORY RATE WITH LVR > 60% TO <= 80%"
      },
      {
        "lendingRateType": "INTRODUCTORY",
        "rate": "0.0639",
        "comparisonRate": "0.0835",
        "calculationFrequency": "P1D",
        "applicationType": "PERIODIC",
        "applicationFrequency": "P1M",
        "interestPaymentDue": "IN_ARREARS",
        "repaymentType": "PRINCIPAL_AND_INTEREST",
        "loanPurpose": "OWNER_OCCUPIED",
        "tiers": [
          {
            "name": "USER-INPUT-RATE/LVR>80%",
            "unitOfMeasure": "PERCENT",
            "minimumValue": "0.8001",
            "rateApplicationMethod": "WHOLE_BALANCE",
            "applicabilityConditions": [
              {
                "rateApplicabilityType": "EXISTING_CUST"
              },
              {
                "rateApplicabilityType": "MIN_DEPOSITS",
                "additionalValue": "1"
              },
              {
                "rateApplicabilityType": "NEW_ACCOUNTS"
              },
              {
                "rateApplicabilityType": "NEW_CUSTOMER"
              }
            ]
          }
        ],
        "applicabilityConditions": [
          {
            "rateApplicabilityType": "EXISTING_CUST"
          },
          {
            "rateApplicabilityType": "MIN_DEPOSITS",
            "additionalValue": "1"
          },
          {
            "rateApplicabilityType": "NEW_ACCOUNTS"
          },
          {
            "rateApplicabilityType": "NEW_CUSTOMER"
          }
        ],
        "additionalValue": "P6M",
        "additionalInfo": "6 MONTH VARIABLE INTRODUCTORY RATE WITH LVR > 80%"
      }
    ]
  }
}