{
  "source": "https://public.cdr.greater.com.au/cds-au/v1/banking/products/3400",
  "note": "Product Reference Data published by the data holder under the Consumer Data Right, as cached by this site (refreshed every 6 hours).",
  "data": {
    "brand": "GB",
    "description": "Basic home loan",
    "isTailored": false,
    "lastUpdated": "2026-06-24T14:00:00Z",
    "name": "Great Rate Home Loan - Fixed 4 Year Investment",
    "productCategory": "RESIDENTIAL_MORTGAGES",
    "productId": "3400",
    "additionalInformation": {
      "overviewUri": "https://www.greater.com.au/personal/home-loans/investment-great-rate-home-loan",
      "termsUri": "https://www.greater.com.au/termsandconditions",
      "eligibilityUri": null,
      "feesAndPricingUri": "https://www.greater.com.au/siteassets/calculators-rate-and-support/documents/disclosure-documents/fees-and-charges/lending-fees-and-charges",
      "bundleUri": null,
      "additionalOverviewUris": null,
      "additionalTermsUris": null,
      "additionalEligibilityUris": null,
      "additionalFeesAndPricingUris": null,
      "additionalBundleUris": null
    },
    "applicationUri": null,
    "brandName": "Greater Bank",
    "brandGroup": null,
    "cardArt": null,
    "effectiveFrom": "2020-06-30T14:00:00Z",
    "effectiveTo": "9999-12-29T13:00:00Z",
    "bundles": null,
    "constraints": [
      {
        "constraintType": "MIN_LIMIT",
        "additionalInfo": null,
        "additionalInfoUri": null,
        "additionalValue": "30000.00"
      }
    ],
    "depositRates": null,
    "eligibility": [
      {
        "eligibilityType": "NATURAL_PERSON",
        "additionalInfo": null,
        "additionalInfoUri": null,
        "additionalValue": null
      },
      {
        "eligibilityType": "MIN_AGE",
        "additionalInfo": null,
        "additionalInfoUri": null,
        "additionalValue": "18"
      },
      {
        "eligibilityType": "OTHER",
        "additionalInfo": "Must be identifiable in terms of legislative requirements. Lending criteria apply.",
        "additionalInfoUri": null,
        "additionalValue": null
      },
      {
        "eligibilityType": "RESIDENCY_STATUS",
        "additionalInfo": null,
        "additionalInfoUri": null,
        "additionalValue": "Australian Residents only"
      }
    ],
    "features": [
      {
        "featureType": "EXTRA_REPAYMENTS",
        "additionalInfo": null,
        "additionalInfoUri": null,
        "additionalValue": null,
        "isActivated": "UNKNOWN"
      },
      {
        "featureType": "DIGITAL_BANKING",
        "additionalInfo": null,
        "additionalInfoUri": null,
        "additionalValue": null,
        "isActivated": "UNKNOWN"
      },
      {
        "featureType": "CASHBACK_OFFER",
        "additionalInfo": "Switching to Greater Bank could score you up to $2,500 cashback. Applicable for eligible owner occupied and investment home loans. $2,000 cashback for loans ≥$250,000 with LVR of less than or equal to 80%, or $2,500 cashback for loans ≥$500,000 with LVR of less than or equal to 80%. Only one (1) Cashback Payment per eligible loan, and for first eligible loan only. Not available in conjunction with any other promotional payment. Offer may be varied or withdrawn at any time. See the full Cashback Offer Terms and Conditions. Terms, conditions, fees, charges and credit criteria apply.",
        "additionalInfoUri": "https://www.greater.com.au/cashback",
        "additionalValue": "2500.00",
        "isActivated": "UNKNOWN"
      },
      {
        "featureType": "CASHBACK_OFFER",
        "additionalInfo": "Online cashback offer available on eligible loans for applications submitted through our online application channel. See offer terms and conditions for details.",
        "additionalInfoUri": "https://www.greater.com.au/personal/loans/home-loans/digital-home-loan/#offer",
        "additionalValue": "2,500-3,000",
        "isActivated": "UNKNOWN"
      },
      {
        "featureType": "NOTIFICATIONS",
        "additionalInfo": "Receive notification from bank of your nominated transactions (e.g. low account balance warning; credits over $500)",
        "additionalInfoUri": null,
        "additionalValue": "SMS or Email",
        "isActivated": "UNKNOWN"
      },
      {
        "featureType": "REDRAW",
        "additionalInfo": "Fee free redraw via Online Banking.  $30 fee for over the counter redraw.",
        "additionalInfoUri": null,
        "additionalValue": null,
        "isActivated": "UNKNOWN"
      },
      {
        "featureType": "GUARANTOR",
        "additionalInfo": null,
        "additionalInfoUri": null,
        "additionalValue": null,
        "isActivated": "UNKNOWN"
      }
    ],
    "fees": [
      {
        "feeType": "ENQUIRY",
        "name": "Information fee - Per Page",
        "additionalInfo": "Payable when we provide information or copies to you or a third party that relates to a Security, dealing document, or any record relating to your Contract or loan account (other than information you are entitled to obtain free of charge under the National Credit Code (where applicable)).",
        "additionalInfoUri": null,
        "additionalValue": null,
        "currency": "AUD",
        "discounts": null,
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "1.00"
        },
        "rateBased": null,
        "variable": null,
        "feeCap": null,
        "feeCapPeriod": null
      },
      {
        "feeType": "WITHDRAWAL",
        "name": "EasyPay notification fee - Letter",
        "additionalInfo": null,
        "additionalInfoUri": null,
        "additionalValue": null,
        "currency": "AUD",
        "discounts": null,
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "8.00"
        },
        "rateBased": null,
        "variable": null,
        "feeCap": null,
        "feeCapPeriod": null
      },
      {
        "feeType": "EVENT",
        "name": "Government charges",
        "additionalInfo": "Charges will be variable, calculated if and when applicable. These charges include Withholding Tax, Registration Fees on security documents and Stamp Duty. For Contracts Regulated by the National Credit Code, the only fees and charges that are payable are those set out in that contract (as varied from time to time).",
        "additionalInfoUri": "https://www.greater.com.au/termsandconditions",
        "additionalValue": null,
        "currency": "AUD",
        "discounts": null,
        "feeMethodUType": "variable",
        "fixedAmount": null,
        "rateBased": null,
        "variable": {
          "feeMinimum": null,
          "feeMaximum": null
        },
        "feeCap": null,
        "feeCapPeriod": null
      },
      {
        "feeType": "EVENT",
        "name": "Registration fee",
        "additionalInfo": "Fee amount will be variable, calculated if and when applicable. Payable when we register any documents in relation to a security.",
        "additionalInfoUri": null,
        "additionalValue": null,
        "currency": "AUD",
        "discounts": null,
        "feeMethodUType": "variable",
        "fixedAmount": null,
        "rateBased": null,
        "variable": {
          "feeMinimum": null,
          "feeMaximum": null
        },
        "feeCap": null,
        "feeCapPeriod": null
      },
      {
        "feeType": "EXIT",
        "name": "Discharge administration fee",
        "additionalInfo": "A Discharge Administration fee is payable when you request us to close your loan account, or produce title deeds at settlement. If Greater Bank incurs any costs associated when doing this, the cost will also be passed on to you.",
        "additionalInfoUri": null,
        "additionalValue": null,
        "currency": "AUD",
        "discounts": null,
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "300.00"
        },
        "rateBased": null,
        "variable": null,
        "feeCap": null,
        "feeCapPeriod": null
      },
      {
        "feeType": "TRANSACTION",
        "name": "SMS alert fee",
        "additionalInfo": "Charged for each SMS alert that is sent to you notifying you of account balances and/or other nominated transactions.",
        "additionalInfoUri": null,
        "additionalValue": null,
        "currency": "AUD",
        "discounts": null,
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "0.20"
        },
        "rateBased": null,
        "variable": null,
        "feeCap": null,
        "feeCapPeriod": null
      },
      {
        "feeType": "LATE_PAYMENT",
        "name": "Default Administration Fee",
        "additionalInfo": "In default by an amount that is less than 2 repayments $20.00, otherwise $50.00. ",
        "additionalInfoUri": "https://www.greater.com.au/legal/disclosure-documents",
        "additionalValue": null,
        "currency": "AUD",
        "discounts": null,
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "50.00"
        },
        "rateBased": null,
        "variable": null,
        "feeCap": null,
        "feeCapPeriod": null
      },
      {
        "feeType": "EVENT",
        "name": "Law stationers fee",
        "additionalInfo": "Fee amount will be variable, calculated if and when applicable. Payable when a third party agent acts for or otherwise assists us in relation to (including when we request information in respect of a security or any other matter in connection with) your contract with us or a security.",
        "additionalInfoUri": "https://www.greater.com.au/termsandconditions",
        "additionalValue": null,
        "currency": "AUD",
        "discounts": null,
        "feeMethodUType": "variable",
        "fixedAmount": null,
        "rateBased": null,
        "variable": {
          "feeMinimum": null,
          "feeMaximum": null
        },
        "feeCap": null,
        "feeCapPeriod": null
      },
      {
        "feeType": "WITHDRAWAL",
        "name": "EasyPay notification fee - SMS",
        "additionalInfo": null,
        "additionalInfoUri": null,
        "additionalValue": null,
        "currency": "AUD",
        "discounts": null,
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "0.20"
        },
        "rateBased": null,
        "variable": null,
        "feeCap": null,
        "feeCapPeriod": null
      },
      {
        "feeType": "VARIATION",
        "name": "Administration fee",
        "additionalInfo": "Payable when we consent to any subdivision, lease, discharge, partial discharge, change of name, release of a Security, changing a policy of lenders mortgage insurance, creation of subsequent Security Interest or any dealing in relation to a Security.",
        "additionalInfoUri": null,
        "additionalValue": null,
        "currency": "AUD",
        "discounts": null,
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "350.00"
        },
        "rateBased": null,
        "variable": null,
        "feeCap": null,
        "feeCapPeriod": null
      },
      {
        "feeType": "UPFRONT",
        "name": "Establishment fee",
        "additionalInfo": "$500.00 based on one security plus $250.00 for each additional security.  For each additional amount approved during the loan term, $350.00 based on one security plus $250.00 for each additional security.",
        "additionalInfoUri": "https://www.greater.com.au/termsandconditions",
        "additionalValue": null,
        "currency": "AUD",
        "discounts": null,
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "500.00"
        },
        "rateBased": null,
        "variable": null,
        "feeCap": null,
        "feeCapPeriod": null
      },
      {
        "feeType": "UPFRONT",
        "name": "Title insurance premium",
        "additionalInfo": "Fee amount will be variable, calculated if and when applicable. The amount charged by our title insurer for a lenders title insurance policy.",
        "additionalInfoUri": null,
        "additionalValue": null,
        "currency": "AUD",
        "discounts": null,
        "feeMethodUType": "variable",
        "fixedAmount": null,
        "rateBased": null,
        "variable": {
          "feeMinimum": null,
          "feeMaximum": null
        },
        "feeCap": null,
        "feeCapPeriod": null
      },
      {
        "feeType": "UPFRONT",
        "name": "Settlement processing fee",
        "additionalInfo": "Payable for costs we incur in arranging settlement of the loan",
        "additionalInfoUri": null,
        "additionalValue": null,
        "currency": "AUD",
        "discounts": null,
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "180.00"
        },
        "rateBased": null,
        "variable": null,
        "feeCap": null,
        "feeCapPeriod": null
      },
      {
        "feeType": "PAYMENT",
        "name": "Prepayment fee",
        "additionalInfo": "The prepayment fee is charged if we estimate we will make an economic loss as a result of extra repayments during a fixed rate term.",
        "additionalInfoUri": "https://www.greater.com.au/termsandconditions",
        "additionalValue": null,
        "currency": "AUD",
        "discounts": null,
        "feeMethodUType": "variable",
        "fixedAmount": null,
        "rateBased": null,
        "variable": {
          "feeMinimum": null,
          "feeMaximum": null
        },
        "feeCap": null,
        "feeCapPeriod": null
      },
      {
        "feeType": "EVENT",
        "name": "Conversion fee - Switch to any other loan type",
        "additionalInfo": "$350 to convert, for example between a variable to a fixed loan or between principal & interest to interest only. If more than one loan is being converted at the same time each additional loan converted will attract a reduced fee of $250.",
        "additionalInfoUri": "https://www.greater.com.au/termsandconditions",
        "additionalValue": null,
        "currency": "AUD",
        "discounts": null,
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "350.00"
        },
        "rateBased": null,
        "variable": null,
        "feeCap": null,
        "feeCapPeriod": null
      },
      {
        "feeType": "WITHDRAWAL",
        "name": "Bank transfer fee",
        "additionalInfo": "Applicable when receiving an inward RTGS (Real time gross settlement)",
        "additionalInfoUri": null,
        "additionalValue": null,
        "currency": "AUD",
        "discounts": null,
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "8.00"
        },
        "rateBased": null,
        "variable": null,
        "feeCap": null,
        "feeCapPeriod": null
      },
      {
        "feeType": "UPFRONT",
        "name": "Mortgage Insurance Premium Fee",
        "additionalInfo": "Fee amount will be variable, calculated if and when applicable. The amount charged by our mortgage insurer for a lenders mortgage insurance policy.",
        "additionalInfoUri": "https://www.greater.com.au/termsandconditions",
        "additionalValue": null,
        "currency": "AUD",
        "discounts": null,
        "feeMethodUType": "variable",
        "fixedAmount": null,
        "rateBased": null,
        "variable": {
          "feeMinimum": null,
          "feeMaximum": null
        },
        "feeCap": null,
        "feeCapPeriod": null
      },
      {
        "feeType": "EXIT",
        "name": "Break costs",
        "additionalInfo": "A break cost fee will be charged if we estimate we will make an economic loss as a result of the payout or a break from the fixed term",
        "additionalInfoUri": "https://www.greater.com.au/termsandconditions",
        "additionalValue": null,
        "currency": "AUD",
        "discounts": null,
        "feeMethodUType": "variable",
        "fixedAmount": null,
        "rateBased": null,
        "variable": {
          "feeMinimum": null,
          "feeMaximum": null
        },
        "feeCap": null,
        "feeCapPeriod": null
      },
      {
        "feeType": "ENQUIRY",
        "name": "Information fee",
        "additionalInfo": "$20.00 plus $1.00 per page copied. Payable when we provide information or copies to you or a third party that relates to a Security, dealing document, or any record relating to your Contract or loan account (other than information you are entitled to obtain free of charge under the National Credit Code (where applicable)).",
        "additionalInfoUri": null,
        "additionalValue": null,
        "currency": "AUD",
        "discounts": null,
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "20.00"
        },
        "rateBased": null,
        "variable": null,
        "feeCap": null,
        "feeCapPeriod": null
      },
      {
        "feeType": "EVENT",
        "name": "Legal fee",
        "additionalInfo": "Fee amount will be variable, calculated if and when applicable. Payable when (or after) we make the amount of credit available to you for any costs and disbursements we have to pay a solicitor or conveyancer for acting for us in relation to this loan",
        "additionalInfoUri": "https://www.greater.com.au/termsandconditions",
        "additionalValue": null,
        "currency": "AUD",
        "discounts": null,
        "feeMethodUType": "variable",
        "fixedAmount": null,
        "rateBased": null,
        "variable": {
          "feeMinimum": null,
          "feeMaximum": null
        },
        "feeCap": null,
        "feeCapPeriod": null
      },
      {
        "feeType": "EVENT",
        "name": "Property Exchange Australia (PEXA) transaction fee",
        "additionalInfo": "Fee amount will be variable, calculated if and when applicable. Payable when we have to register any documents in relation to a security using PEXA, request information using PEXA, or we process a financial settlement using PEXA. Fees are applied as charged by PEXA",
        "additionalInfoUri": null,
        "additionalValue": null,
        "currency": "AUD",
        "discounts": null,
        "feeMethodUType": "variable",
        "fixedAmount": null,
        "rateBased": null,
        "variable": {
          "feeMinimum": null,
          "feeMaximum": null
        },
        "feeCap": null,
        "feeCapPeriod": null
      },
      {
        "feeType": "LATE_PAYMENT",
        "name": "Default Notice Fee",
        "additionalInfo": "Payable when we send you a notice informing you of a default under this contract",
        "additionalInfoUri": null,
        "additionalValue": null,
        "currency": "AUD",
        "discounts": null,
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "50.00"
        },
        "rateBased": null,
        "variable": null,
        "feeCap": null,
        "feeCapPeriod": null
      },
      {
        "feeType": "DEPOSIT",
        "name": "Foreign currency deposit fee",
        "additionalInfo": null,
        "additionalInfoUri": null,
        "additionalValue": null,
        "currency": "AUD",
        "discounts": null,
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "5.00"
        },
        "rateBased": null,
        "variable": null,
        "feeCap": null,
        "feeCapPeriod": null
      },
      {
        "feeType": "WITHDRAWAL",
        "name": "Redraw over-the-counter fee",
        "additionalInfo": "Each time you re-borrow money by making written application to any branch of Greater Bank Ltd.",
        "additionalInfoUri": "https://www.greater.com.au/termsandconditions",
        "additionalValue": null,
        "currency": "AUD",
        "discounts": null,
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "30.00"
        },
        "rateBased": null,
        "variable": null,
        "feeCap": null,
        "feeCapPeriod": null
      },
      {
        "feeType": "VARIATION",
        "name": "Conversion fee - Switch to a Basic/Great Rate or Ultimate Home Loan",
        "additionalInfo": "$500 fee payable when you ask us to switch your loan to a Basic/Great Rate or Ultimate Home Loan. If more than one loan is being converted each additional loan converted at the same time will attract a reduced fee of $250.",
        "additionalInfoUri": "https://www.greater.com.au/termsandconditions",
        "additionalValue": null,
        "currency": "AUD",
        "discounts": null,
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "500.00"
        },
        "rateBased": null,
        "variable": null,
        "feeCap": null,
        "feeCapPeriod": null
      },
      {
        "feeType": "UPFRONT",
        "name": "Guarantee fee",
        "additionalInfo": "Payable for each guarantee provided",
        "additionalInfoUri": null,
        "additionalValue": null,
        "currency": "AUD",
        "discounts": null,
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "200.00"
        },
        "rateBased": null,
        "variable": null,
        "feeCap": null,
        "feeCapPeriod": null
      },
      {
        "feeType": "EVENT",
        "name": "Mercantile agents fee",
        "additionalInfo": "Fee amount will be variable, calculated if and when applicable. Payable when we instruct a mercantile agent to contact you on our behalf in relation to this loan or a security.",
        "additionalInfoUri": "https://www.greater.com.au/termsandconditions",
        "additionalValue": null,
        "currency": "AUD",
        "discounts": null,
        "feeMethodUType": "variable",
        "fixedAmount": null,
        "rateBased": null,
        "variable": {
          "feeMinimum": null,
          "feeMaximum": null
        },
        "feeCap": null,
        "feeCapPeriod": null
      }
    ],
    "lendingRates": [
      {
        "lendingRateType": "FIXED",
        "rate": "0.0664",
        "additionalInfo": null,
        "additionalInfoUri": null,
        "additionalValue": "P4Y",
        "applicationFrequency": "P1M",
        "calculationFrequency": "P1D",
        "comparisonRate": "0.0764",
        "interestPaymentDue": "IN_ARREARS",
        "loanPurpose": "INVESTMENT",
        "repaymentType": "PRINCIPAL_AND_INTEREST",
        "tiers": null,
        "applicabilityConditions": null,
        "applicationType": "PERIODIC"
      }
    ],
    "instalments": null
  }
}