{
  "source": "https://openbanking.api.creditunionsa.com.au/cds-au/v1/banking/products/CREDITUNIONSA_HL_442V_IO",
  "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": "CREDITUNIONSA_HL_442V_IO",
    "effectiveFrom": "2016-08-01T00:00:00.000+10:00",
    "effectiveTo": "2099-06-01T00:00:00.000+10:00",
    "lastUpdated": "2026-06-29T00:00:00.000+10:00",
    "productCategory": "RESIDENTIAL_MORTGAGES",
    "name": "Investment Variable Home Loan Package Interest Only",
    "description": "Our Variable Home Loan Package is ideal for those seeking significant flexibility. The Credit Union SA Variable Home Loan Package offers a fantastic collection of benefits across our Home Loans, Visa Credit Card, Personal Loans, Term Deposits and more.  You pay an annual fee of $395 and in return you’ll save an absolute bundle. Home Loan Offset Accounts are available with selected Credit Union SA Variable Rate Home Loans.",
    "brand": "Credit Union SA",
    "applicationUri": "https://apply.creditunionsa.com.au/cusa/servlet/SmartForm.html?formCode=joint-home-loan",
    "isTailored": false,
    "additionalInformation": {
      "overviewUri": "https://www.creditunionsa.com.au/loans/home-loans/home-loan-package/",
      "termsUri": "https://www.creditunionsa.com.au/globalassets/pdfs/brc_1035.pdf",
      "eligibilityUri": "https://www.creditunionsa.com.au/loans/home-loans/home-loan-package/",
      "feesAndPricingUri": "https://cms.creditunionsa.com.au/assets/documents/BRC_1062-HL-int-rates.pdf",
      "additionalOverviewUris": [],
      "additionalTermsUris": [],
      "additionalEligibilityUris": [],
      "additionalFeesAndPricingUris": [],
      "additionalBundleUris": []
    },
    "cardArt": [],
    "bundles": [
      {
        "name": "Variable Home Loan Package Interest Only",
        "description": "Benefits of bundling the Variable Home Loan Package include, a reduction of 0.50% pa off carded rates for all fixed and variable personal loans and an additional 0.25% pa on carded term investment rates for amounts up to $250,000. Annual fee of $395 applies to all package home loans. No application fee for the Green Loan and reduced rate.",
        "additionalInfoUri": "https://www.creditunionsa.com.au/loans/home-loans/home-loan-package/"
      }
    ],
    "features": [
      {
        "featureType": "OTHER",
        "additionalInfo": "No loan application or monthly fee",
        "additionalInfoUri": "https://www.creditunionsa.com.au/loans/home-loans/home-loan-package/"
      },
      {
        "featureType": "REDRAW",
        "additionalInfoUri": "https://www.creditunionsa.com.au/loans/home-loans/home-loan-package/"
      },
      {
        "featureType": "OFFSET",
        "additionalInfoUri": "https://www.creditunionsa.com.au/loans/home-loans/home-loan-package"
      },
      {
        "featureType": "OTHER",
        "additionalInfo": "Unlimited fee-free additional repayments",
        "additionalInfoUri": "https://www.creditunionsa.com.au/loans/home-loans/home-loan-package/"
      },
      {
        "featureType": "DIGITAL_BANKING",
        "additionalInfoUri": "https://www.creditunionsa.com.au/loans/home-loans/home-loan-package/"
      },
      {
        "featureType": "EXTRA_REPAYMENTS",
        "additionalInfoUri": "https://www.creditunionsa.com.au/loans/home-loans/home-loan-package/"
      },
      {
        "featureType": "GUARANTOR",
        "additionalInfoUri": "https://www.creditunionsa.com.au/loans/home-loans/home-loan-package"
      },
      {
        "featureType": "OTHER",
        "additionalInfo": "Split Loans are available with eligible products",
        "additionalInfoUri": "https://www.creditunionsa.com.au/loans/home-loans/home-loan-package"
      }
    ],
    "constraints": [
      {
        "constraintType": "OPENING_BALANCE",
        "additionalValue": "150000.00"
      },
      {
        "constraintType": "MAX_LVR",
        "additionalValue": "0.80"
      }
    ],
    "eligibility": [
      {
        "eligibilityType": "MIN_AGE",
        "additionalValue": "18",
        "additionalInfoUri": "https://www.creditunionsa.com.au/loans/home-loans/home-loan-package"
      },
      {
        "eligibilityType": "RESIDENCY_STATUS",
        "additionalValue": "Australian citizen or permanent resident",
        "additionalInfoUri": "https://www.creditunionsa.com.au/loans/home-loans/home-loan-package"
      }
    ],
    "fees": [
      {
        "name": "Application fee",
        "feeType": "UPFRONT",
        "currency": "AUD",
        "additionalValue": "When you apply for a home loan linked to a home loan package",
        "additionalInfoUri": "https://www.creditunionsa.com.au/fees/home-loans/",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "0.00"
        },
        "discounts": []
      },
      {
        "name": "Increase an existing home loan package",
        "feeType": "EVENT",
        "currency": "AUD",
        "additionalValue": "When you apply to increase an existing loan linked to a home loan package",
        "additionalInfoUri": "https://www.creditunionsa.com.au/fees/home-loans/",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "0.00"
        },
        "discounts": []
      },
      {
        "name": "Annual fee",
        "feeType": "PERIODIC",
        "currency": "AUD",
        "additionalValue": "Payable annually in advance for each year a Home Loan Package is mantained",
        "additionalInfoUri": "https://www.creditunionsa.com.au/fees/home-loans/",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "395.00"
        },
        "discounts": []
      },
      {
        "name": "Settlement fee",
        "feeType": "UPFRONT",
        "currency": "AUD",
        "additionalValue": "Payable when a new loan is funded or our representative attends settlement",
        "additionalInfoUri": "https://www.creditunionsa.com.au/fees/home-loans/",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "0.00"
        },
        "discounts": []
      },
      {
        "name": "Split Loan Fee",
        "feeType": "EVENT",
        "currency": "AUD",
        "additionalValue": "Payable when you want to divide your total home loan amount into separate loan accounts. $150 for the first split plus $100 per split thereafter on same security for all home loan types",
        "additionalInfoUri": "https://www.creditunionsa.com.au/fees/home-loans/",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "150.00"
        },
        "discounts": []
      },
      {
        "name": "Split Loan Fee",
        "feeType": "EVENT",
        "currency": "AUD",
        "additionalValue": "Payable when you want to divide your total home loan amount into separate loan accounts. $150 for the first split plus $100 per split thereafter on same security for all home loan types",
        "additionalInfoUri": "https://www.creditunionsa.com.au/fees/home-loans/",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "100.00"
        },
        "discounts": []
      },
      {
        "name": "Guarantor Application Fee",
        "feeType": "EVENT",
        "currency": "AUD",
        "additionalValue": "Payable whenever we prepare guarantee documents for a loan.",
        "additionalInfoUri": "https://www.creditunionsa.com.au/fees/home-loans/",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "200.00"
        },
        "discounts": []
      }
    ],
    "depositRates": [],
    "lendingRates": [
      {
        "lendingRateType": "VARIABLE",
        "comparisonRate": "0.0699",
        "interestPaymentDue": "IN_ARREARS",
        "repaymentType": "INTEREST_ONLY",
        "loanPurpose": "INVESTMENT",
        "rate": "0.0679",
        "calculationFrequency": "P1D",
        "applicationType": "PERIODIC",
        "applicationFrequency": "P1M",
        "tiers": [],
        "additionalInfoUri": "https://www.creditunionsa.com.au/loans/home-loans/home-loan-package"
      }
    ]
  }
}