{
  "source": "https://onlinebanking.horizonbank.com.au/openbanking/cds-au/v1/banking/products/L73_L730001",
  "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": "REDRAW"
      },
      {
        "featureType": "DIGITAL_BANKING"
      },
      {
        "featureType": "NPP_ENABLED"
      }
    ],
    "constraints": [
      {
        "constraintType": "MIN_BALANCE",
        "additionalValue": "500.00"
      },
      {
        "constraintType": "MAX_LVR",
        "additionalValue": "0.80"
      }
    ],
    "eligibility": [
      {
        "eligibilityType": "NATURAL_PERSON"
      }
    ],
    "lendingRates": [
      {
        "lendingRateType": "VARIABLE",
        "rate": "0.0654",
        "comparisonRate": "0.0859",
        "calculationFrequency": "P1D",
        "applicationType": "PERIODIC",
        "applicationFrequency": "P1M",
        "interestPaymentDue": "IN_ARREARS",
        "repaymentType": "PRINCIPAL_AND_INTEREST",
        "loanPurpose": "UNCONSTRAINED",
        "additionalInfo": "The comparison rate is calculated on a loan amount of $30,000 over a term of 5 years. WARNING: This comparison rate is true only for the example given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate."
      }
    ],
    "productCategory": "PERS_LOANS",
    "productId": "L73_L730001",
    "effectiveFrom": "2021-02-01T00:00:00.000+11:00",
    "lastUpdated": "2026-05-22T09:57:48.000+10:00",
    "name": "Personal Mortgage Sec.",
    "description": "Personal Mortgage Sec.",
    "brand": "HORIZON BANK",
    "brandName": "HORIZON BANK",
    "applicationUri": "https://forms.unpz.au/form?id=0e59f9ae8f4709bdb38e0606359b4f09:d46ce3a8-1726-4fd2-b451-23157ea36e6a",
    "isTailored": false,
    "additionalInformation": {
      "overviewUri": "https://horizonbank.com.au/loans/personal-loans/secured-personal-loans/",
      "termsUri": "https://horizonbank.com.au/more/important-info/disclosure-documents/",
      "feesAndPricingUri": "https://horizonbank.com.au/more/important-info/fees-and-charges/"
    }
  }
}