{
  "source": "https://netbank.communityfirst.com.au/cf-OpenBanking/cds-au/v1/banking/products/GB-INVPI-1YRF-LVR95",
  "note": "Product Reference Data published by the data holder under the Consumer Data Right, as cached by this site (refreshed every 6 hours).",
  "data": {
    "features": [
      {
        "featureType": "DIGITAL_BANKING"
      },
      {
        "featureType": "REDRAW",
        "additionalInfo": "Redraw fees apply"
      },
      {
        "featureType": "OTHER",
        "additionalInfo": "Split Loan available"
      },
      {
        "featureType": "EXTRA_REPAYMENTS",
        "additionalInfo": "No penalty for extra repayments, an Early Repayment Fee may apply if the loan is paid out and closed during the fixed rate term"
      }
    ],
    "constraints": [
      {
        "constraintType": "MIN_LIMIT",
        "additionalValue": "50000.00",
        "additionalInfo": "Minimum loan amount only applies at time of application"
      },
      {
        "constraintType": "MAX_LVR",
        "additionalValue": "0.95",
        "additionalInfo": "Maximum 95% LVR"
      },
      {
        "constraintType": "MIN_LVR",
        "additionalValue": "0.80",
        "additionalInfo": "Minimum LVR 80%"
      }
    ],
    "eligibility": [
      {
        "eligibilityType": "MIN_AGE",
        "additionalValue": "18",
        "additionalInfo": "18 years"
      },
      {
        "eligibilityType": "NATURAL_PERSON"
      },
      {
        "eligibilityType": "RESIDENCY_STATUS",
        "additionalValue": "Australian citizen or permanent residency only"
      }
    ],
    "fees": [
      {
        "name": "HOME_LOAN_APPLICATION_FEE",
        "feeType": "UPFRONT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "600.00"
        },
        "feeCap": "0.00",
        "currency": "AUD",
        "additionalInfo": "First application includes the cost of the first standard valuation and legal fees of one security only (and includes 2 splits)",
        "additionalInfoUri": "https://communityfirst.com.au/tools/rates-and-fees"
      },
      {
        "name": "LOAN_VARIATION_FEE",
        "feeType": "EVENT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "250.00"
        },
        "feeCap": "0.00",
        "currency": "AUD",
        "additionalInfo": "Includes loan split requests, additional splits, loan top up on existing loan, substitution of security, loan re-fix fee and loan switches (loan switching to a different loan type)",
        "additionalInfoUri": "https://communityfirst.com.au/tools/rates-and-fees"
      },
      {
        "name": "CONSTRUCTION_LOAN_APPLICATION_FEE",
        "feeType": "UPFRONT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "1500.00"
        },
        "feeCap": "0.00",
        "currency": "AUD",
        "additionalInfo": "Includes application fee, inspection fees and draw-down fees throughout construction period. Legal fees are paid in addition to this and are at cost.",
        "additionalInfoUri": "https://communityfirst.com.au/tools/rates-and-fees",
        "discounts": [
          {
            "description": "Package Home Loans members receive a discount off the Construction Loan application fee",
            "discountType": "ELIGIBILITY_ONLY",
            "discountMethodUType": "fixedAmount",
            "fixedAmount": {
              "amount": "600.00"
            },
            "additionalInfoUri": "https://communityfirst.com.au/tools/rates-and-fees",
            "eligibility": [
              {
                "discountEligibilityType": "OTHER",
                "additionalInfo": "Package Home Loan holder discount"
              }
            ]
          }
        ]
      },
      {
        "name": "LATE_PAYMENT",
        "feeType": "LATE_PAYMENT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "25.00"
        },
        "feeCap": "0.00",
        "currency": "AUD",
        "additionalInfo": "Charged to loan account",
        "additionalInfoUri": "https://communityfirst.com.au/tools/rates-and-fees"
      },
      {
        "name": "REDRAW_FEE_-_STAFF_ASSISTED",
        "feeType": "EVENT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "30.00"
        },
        "feeCap": "0.00",
        "currency": "AUD",
        "additionalInfo": "Charged to loan account",
        "additionalInfoUri": "https://communityfirst.com.au/tools/rates-and-fees"
      },
      {
        "name": "SAFE_CUSTODY_FEE",
        "feeType": "PERIODIC",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "50.00"
        },
        "feeCap": "0.00",
        "currency": "AUD",
        "additionalValue": "P1Y",
        "additionalInfo": "E.g. certificate of titles, wills, etc",
        "additionalInfoUri": "https://communityfirst.com.au/tools/rates-and-fees"
      },
      {
        "name": "RE-ISSUE_LOAN_DOCUMENTATION_FEE",
        "feeType": "EVENT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "300.00"
        },
        "feeCap": "0.00",
        "currency": "AUD",
        "additionalInfo": "For mortgage products",
        "additionalInfoUri": "https://communityfirst.com.au/tools/rates-and-fees"
      },
      {
        "name": "SPECIAL_ATTENDANCE_FEE",
        "feeType": "EVENT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "0.00"
        },
        "feeCap": "0.00",
        "currency": "AUD",
        "additionalInfo": "Charged at cost",
        "additionalInfoUri": "https://communityfirst.com.au/tools/rates-and-fees"
      },
      {
        "name": "COPY_OF_STATEMENT_(ALREADY_ISSUED)",
        "feeType": "EVENT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "1.50"
        },
        "feeCap": "0.00",
        "currency": "AUD",
        "additionalInfo": "Charged per page. For statements issued prior to January 1997 the fee is $3 per page.",
        "additionalInfoUri": "https://communityfirst.com.au/tools/rates-and-fees"
      },
      {
        "name": "SOLICITORS_PREPARATION_FEE",
        "feeType": "EVENT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "0.00"
        },
        "feeCap": "0.00",
        "currency": "AUD",
        "additionalInfo": "Charged at cost",
        "additionalInfoUri": "https://communityfirst.com.au/tools/rates-and-fees"
      },
      {
        "name": "ADDITIONAL_VALUATION_FEE",
        "feeType": "EVENT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "0.00"
        },
        "feeCap": "0.00",
        "currency": "AUD",
        "additionalInfo": "Charged at cost",
        "additionalInfoUri": "https://communityfirst.com.au/tools/rates-and-fees"
      },
      {
        "name": "SEARCH_FEES",
        "feeType": "EVENT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "0.00"
        },
        "feeCap": "0.00",
        "currency": "AUD",
        "additionalInfo": "Charged at cost",
        "additionalInfoUri": "https://communityfirst.com.au/tools/rates-and-fees"
      },
      {
        "name": "EARLY_REPAYMENT_FEE_(ERF)",
        "feeType": "EXIT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "0.00"
        },
        "feeCap": "0.00",
        "currency": "AUD",
        "additionalInfo": "Refer to loan contract",
        "additionalInfoUri": "https://communityfirst.com.au/tools/rates-and-fees"
      },
      {
        "name": "SPECIAL_ATTENDANCE_FEE_-_MORTGAGE_DISCHARGE",
        "feeType": "EVENT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "696.00"
        },
        "feeCap": "0.00",
        "currency": "AUD",
        "additionalInfo": "Charged at discharge",
        "additionalInfoUri": "https://communityfirst.com.au/tools/rates-and-fees"
      },
      {
        "name": "LENDERS_MORTGAGE_INSURANCE_(LMI)",
        "feeType": "UPFRONT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "0.00"
        },
        "feeCap": "0.00",
        "currency": "AUD",
        "additionalInfo": "The amount of this fee will be available on application, as it is dependent on the loan to valuation ratio of each loan.",
        "additionalInfoUri": "https://communityfirst.com.au/tools/rates-and-fees"
      }
    ],
    "lendingRates": [
      {
        "lendingRateType": "FIXED",
        "rate": "0.0689",
        "comparisonRate": "0.0658",
        "calculationFrequency": "P1D",
        "applicationType": "PERIODIC",
        "applicationFrequency": "P1M",
        "interestPaymentDue": "IN_ARREARS",
        "repaymentType": "PRINCIPAL_AND_INTEREST",
        "loanPurpose": "INVESTMENT",
        "additionalValue": "P12M",
        "additionalInfo": "The comparison rate is based on a secured loan amount of $150,000 over a loan term of 25 years. WARNING: This comparison rate is true only for the examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate.",
        "additionalInfoUri": "https://communityfirst.com.au/tools/rates-and-fees"
      }
    ],
    "productId": "GB-INVPI-1YRF-LVR95",
    "effectiveFrom": "2026-07-07T00:00:00.000+10:00",
    "lastUpdated": "2026-07-07T14:24:08.000+10:00",
    "productCategory": "RESIDENTIAL_MORTGAGES",
    "name": "GO BASIC 1 YEAR FIXED HOME LOAN - INVESTMENT LVR 95% (Principal and Interest)",
    "description": "A fixed rate for 1 year for investors with a maximum LVR of 95% wanting certainty of repayments for a period. Includes access to redraw and the ability to make extra repayments.",
    "brand": "C",
    "brandName": "Community First Credit Union",
    "applicationUri": "https://www.communityfirst.com.au/applying-for-a-loan",
    "isTailored": false,
    "additionalInformation": {
      "overviewUri": "https://www.communityfirst.com.au/products/go-basic-fixed-home-loan-investment/",
      "termsUri": "https://communityfirst.com.au/support/important-information/disclosure-documents",
      "eligibilityUri": "https://www.communityfirst.com.au/applying-for-a-loan",
      "feesAndPricingUri": "https://communityfirst.com.au/tools/rates-and-fees"
    }
  }
}