{
  "source": "https://ob.tmbl.com.au/hpbank/cds-au/v1/banking/products/cdf9635d-4dbd-474c-ae8a-1b56ade76715",
  "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": "cdf9635d-4dbd-474c-ae8a-1b56ade76715",
    "lastUpdated": "2026-07-13T17:16:31.000+10:00",
    "productCategory": "PERS_LOANS",
    "name": "Fixed Rate All Purpose Personal Loan",
    "description": "Our Fixed Rate All Purpose Personal Loan allows you to lock in your interest rate and repayments for a fixed period.",
    "brand": "HPB",
    "brandName": "Health Professionals Bank",
    "applicationUri": "https://www.hpbank.com.au/personal-loans/debt-consolidation",
    "isTailored": false,
    "additionalInformation": {
      "overviewUri": "https://www.hpbank.com.au/personal-loans/debt-consolidation",
      "termsUri": "https://www.hpbank.com.au/content/dam/documents/collateral/consumer-lending.pdf",
      "eligibilityUri": "https://www.hpbank.com.au/personal-loans/debt-consolidation",
      "feesAndPricingUri": "https://www.hpbank.com.au/content/dam/documents/collateral/fees-and-charges.pdf"
    },
    "features": [
      {
        "featureType": "OTHER",
        "additionalInfo": "No ongoing fees"
      },
      {
        "featureType": "OTHER",
        "additionalInfo": "Choose weekly, fortnightly or monthly repayments"
      },
      {
        "featureType": "OTHER",
        "additionalInfo": "A competitive fixed interest rate"
      },
      {
        "featureType": "OTHER",
        "additionalInfo": "Debt consolidation"
      },
      {
        "featureType": "DIGITAL_BANKING",
        "additionalInfo": "24/7 access via internet banking, mobile app and phone banking"
      }
    ],
    "constraints": [
      {
        "constraintType": "MIN_LIMIT",
        "additionalValue": "4000.00",
        "additionalInfo": "Minimum loan amount is $4,000"
      },
      {
        "constraintType": "MAX_LIMIT",
        "additionalValue": "80000.00",
        "additionalInfo": "Maximum loan amount is $80,000. Debt consolidation is $50,000 maximum. For information on debt consolidation visit ASIC's website.",
        "additionalInfoUri": "https://moneysmart.gov.au/managing-debt/debt-consolidation-and-refinancing"
      }
    ],
    "eligibility": [
      {
        "eligibilityType": "OTHER",
        "additionalInfo": "Membership is open to citizens or permanent residents of Australia who are current or retired employees in the Australian health sector or are family members of members (i.e. shareholders) of the Bank."
      },
      {
        "eligibilityType": "RESIDENCY_STATUS",
        "additionalValue": "Individuals must be citizens or permanent residents of Australia."
      },
      {
        "eligibilityType": "NATURAL_PERSON"
      },
      {
        "eligibilityType": "MIN_AGE",
        "additionalValue": "18"
      },
      {
        "eligibilityType": "OTHER",
        "additionalInfo": "All applications for credit are subject to responsible lending criteria. Fees and charges apply. You can find our Consumer Lending terms and conditions online or from any of our offices.",
        "additionalInfoUri": "https://www.hpbank.com.au/content/dam/documents/collateral/consumer-lending.pdf"
      }
    ],
    "fees": [
      {
        "name": "APPLICATION_FEE",
        "feeType": "UPFRONT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "150.00"
        },
        "currency": "AUD",
        "additionalInfo": "This fee is applicable when the loan is funded.",
        "discounts": [
          {
            "description": "Personal Loan Application Fee Waiver",
            "discountType": "ELIGIBILITY_ONLY",
            "discountMethodUType": "fixedAmount",
            "fixedAmount": {
              "amount": "150.00"
            },
            "eligibility": [
              {
                "discountEligibilityType": "OTHER",
                "additionalInfo": "If you hold a Your Way Plus home loan package we waive the application fees for any personal loans.",
                "additionalInfoUri": "https://www.hpbank.com.au/-/media/global/pdfs/your-way-plus-package-terms-and-conditions.ashx"
              }
            ]
          }
        ]
      },
      {
        "name": "BREAK_FEE",
        "feeType": "EXIT",
        "feeMethodUType": "variable",
        "variable": {
          "feeMinimum": "0.00",
          "feeMaximum": "9999999.00"
        },
        "currency": "AUD",
        "additionalInfo": "At cost. Payable on early repayment i.e. during the fixed rate period if you repay the loan in full, you repay part of the loan or you switch from this loan type to another loan type. Please refer to clause 3B of the Consumer Lending terms and conditions for details of how this fee is calculated. At Cost."
      }
    ],
    "lendingRates": [
      {
        "lendingRateType": "FIXED",
        "rate": "0.0699",
        "comparisonRate": "0.072",
        "calculationFrequency": "P1D",
        "applicationType": "PERIODIC",
        "applicationFrequency": "P1M",
        "interestPaymentDue": "IN_ARREARS",
        "repaymentType": "PRINCIPAL_AND_INTEREST",
        "loanPurpose": "OTHER",
        "additionalValue": "P2Y",
        "additionalInfo": "Fixed rate for 2 years. Comparison rates quoted are based on $30,000 for a term of 5 years for All Purpose Loans. Products quoted are unsecured except Car Loans over $50,000 are secured. 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."
      },
      {
        "lendingRateType": "FIXED",
        "rate": "0.0699",
        "comparisonRate": "0.072",
        "calculationFrequency": "P1D",
        "applicationType": "PERIODIC",
        "applicationFrequency": "P1M",
        "interestPaymentDue": "IN_ARREARS",
        "repaymentType": "PRINCIPAL_AND_INTEREST",
        "loanPurpose": "OTHER",
        "additionalValue": "P3Y",
        "additionalInfo": "Fixed rate for 3 years. Comparison rates quoted are based on $30,000 for a term of 5 years for All Purpose Loans. Products quoted are unsecured except Car Loans over $50,000 are secured. 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."
      },
      {
        "lendingRateType": "FIXED",
        "rate": "0.0699",
        "comparisonRate": "0.072",
        "calculationFrequency": "P1D",
        "applicationType": "PERIODIC",
        "applicationFrequency": "P1M",
        "interestPaymentDue": "IN_ARREARS",
        "repaymentType": "PRINCIPAL_AND_INTEREST",
        "loanPurpose": "OTHER",
        "additionalValue": "P4Y",
        "additionalInfo": "Fixed rate for 4 years. Comparison rates quoted are based on $30,000 for a term of 5 years for All Purpose Loans. Products quoted are unsecured except Car Loans over $50,000 are secured. 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."
      },
      {
        "lendingRateType": "FIXED",
        "rate": "0.0699",
        "comparisonRate": "0.072",
        "calculationFrequency": "P1D",
        "applicationType": "PERIODIC",
        "applicationFrequency": "P1M",
        "interestPaymentDue": "IN_ARREARS",
        "repaymentType": "PRINCIPAL_AND_INTEREST",
        "loanPurpose": "OTHER",
        "additionalValue": "P5Y",
        "additionalInfo": "Fixed rate for 5 years. Comparison rates quoted are based on $30,000 for a term of 5 years for All Purpose Loans. Products quoted are unsecured except Car Loans over $50,000 are secured. 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."
      },
      {
        "lendingRateType": "FIXED",
        "rate": "0.0699",
        "comparisonRate": "0.072",
        "calculationFrequency": "P1D",
        "applicationType": "PERIODIC",
        "applicationFrequency": "P1M",
        "interestPaymentDue": "IN_ARREARS",
        "repaymentType": "PRINCIPAL_AND_INTEREST",
        "loanPurpose": "OTHER",
        "additionalValue": "P6Y",
        "additionalInfo": "Fixed rate for 6 years. Comparison rates quoted are based on $30,000 for a term of 5 years for All Purpose Loans. Products quoted are unsecured except Car Loans over $50,000 are secured. 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."
      }
    ]
  }
}