{
  "source": "https://ebranch.easystreet.com.au/es-OpenBanking/cds-au/v1/banking/products/L43-ES1YRF-OOPI",
  "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": "OFFSET"
      },
      {
        "featureType": "REDRAW"
      },
      {
        "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"
      },
      {
        "featureType": "OTHER",
        "additionalInfo": "Split loan"
      }
    ],
    "constraints": [
      {
        "constraintType": "MIN_LIMIT",
        "additionalValue": "50000.00"
      },
      {
        "constraintType": "MIN_LVR",
        "additionalValue": "0.01"
      },
      {
        "constraintType": "MAX_LVR",
        "additionalValue": "0.80"
      }
    ],
    "eligibility": [
      {
        "eligibilityType": "NATURAL_PERSON"
      },
      {
        "eligibilityType": "MIN_AGE",
        "additionalValue": "18"
      },
      {
        "eligibilityType": "RESIDENCY_STATUS",
        "additionalValue": "Australian citizen or permanent residency only"
      }
    ],
    "fees": [
      {
        "name": "HOME_LOAN_APPLICATION_FEE",
        "feeType": "UPFRONT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "500.00"
        },
        "feeCap": "0.00",
        "currency": "AUD",
        "additionalInfo": "Includes application, one legal and standard valuation fee free for first application, for one security only.",
        "additionalInfoUri": "https://easystreet.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://easystreet.com.au/tools/rates-and-fees"
      },
      {
        "name": "SPECIAL_ATTENDANCE",
        "feeType": "EVENT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "300.00"
        },
        "feeCap": "0.00",
        "currency": "AUD",
        "additionalInfo": "$300 + at cost fees",
        "additionalInfoUri": "https://easystreet.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",
        "additionalInfoUri": "https://easystreet.com.au/tools/rates-and-fees"
      },
      {
        "name": "LATE_PAYMENT",
        "feeType": "LATE_PAYMENT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "25.00"
        },
        "feeCap": "0.00",
        "currency": "AUD",
        "additionalInfoUri": "https://easystreet.com.au/tools/rates-and-fees"
      },
      {
        "name": "DEFAULT_NOTICE_FEE",
        "feeType": "TRANSACTION",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "50.00"
        },
        "feeCap": "0.00",
        "currency": "AUD",
        "additionalInfoUri": "https://easystreet.com.au/tools/rates-and-fees"
      },
      {
        "name": "FAILURE_TO_COMPLY_NOTICE",
        "feeType": "EVENT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "25.00"
        },
        "feeCap": "0.00",
        "currency": "AUD",
        "additionalInfoUri": "https://easystreet.com.au/tools/rates-and-fees"
      },
      {
        "name": "RENTAL_OR_CONTRACT_PERFORMANCE_GUARANTEE",
        "feeType": "EVENT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "500.00"
        },
        "feeCap": "0.00",
        "currency": "AUD",
        "additionalInfo": "$250 upfront preparation fee plus $250 p.a. (paid in advance)",
        "additionalInfoUri": "https://easystreet.com.au/tools/rates-and-fees"
      },
      {
        "name": "EARLY_REPAYMENT_FEE_(ERF)",
        "feeType": "EVENT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "0.00"
        },
        "feeCap": "0.00",
        "currency": "AUD",
        "additionalInfo": "Refer to loan contract",
        "additionalInfoUri": "https://easystreet.com.au/tools/rates-and-fees"
      },
      {
        "name": "PRODUCTION_OF_DEEDS",
        "feeType": "EVENT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "0.00"
        },
        "feeCap": "0.00",
        "currency": "AUD",
        "additionalInfo": "Charged at cost",
        "additionalInfoUri": "https://easystreet.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://easystreet.com.au/tools/rates-and-fees"
      },
      {
        "name": "MORTGAGE_DEFAULT_NOTICE_FEE",
        "feeType": "EVENT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "0.00"
        },
        "feeCap": "0.00",
        "currency": "AUD",
        "additionalInfo": "Charged at cost",
        "additionalInfoUri": "https://easystreet.com.au/tools/rates-and-fees"
      },
      {
        "name": "COPY_OF_PRINT_STATEMENT_-_FEE",
        "feeType": "EVENT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "1.50"
        },
        "feeCap": "0.00",
        "currency": "AUD",
        "additionalInfo": "$1.50 per page",
        "additionalInfoUri": "https://easystreet.com.au/support/fees-and-charges"
      }
    ],
    "lendingRates": [
      {
        "lendingRateType": "FIXED",
        "rate": "0.0654",
        "comparisonRate": "0.0618",
        "calculationFrequency": "P1D",
        "applicationType": "PERIODIC",
        "applicationFrequency": "P1M",
        "interestPaymentDue": "IN_ARREARS",
        "repaymentType": "PRINCIPAL_AND_INTEREST",
        "loanPurpose": "OWNER_OCCUPIED",
        "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://easystreet.com.au/support/loan-interest-rates"
      }
    ],
    "productId": "L43-ES1YRF-OOPI",
    "effectiveFrom": "2026-07-07T00:00:00.000+10:00",
    "lastUpdated": "2026-07-07T15:58:56.000+10:00",
    "productCategory": "RESIDENTIAL_MORTGAGES",
    "name": "1 YEAR FIXED HOME LOAN - OWNER-OCCUPIED (Principal and Interest)",
    "description": "A fixed rate for 1 year for owner occupiers wanting certainty of repayments for a period. Comes with a 100% offset account, the ability to make extra repayments and no monthly or annual fees.",
    "brand": "E",
    "brandName": "Easystreet",
    "applicationUri": "https://easystreet.com.au/support/applying-for-a-loan",
    "isTailored": false,
    "additionalInformation": {
      "overviewUri": "https://easystreet.com.au/fixed-home-loan",
      "termsUri": "https://www.easystreet.com.au/support/important-information-disclosure-documents/",
      "eligibilityUri": "https://easystreet.com.au/fixed-home-loan",
      "feesAndPricingUri": "https://easystreet.com.au/tools/rates-and-fees"
    }
  }
}