{
  "source": "https://ibankob.humebank.com.au/OpenBanking/cds-au/v1/banking/products/L48V1",
  "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": "DIGITAL_BANKING",
        "additionalInfo": "Online Banking enabled"
      },
      {
        "featureType": "OTHER",
        "additionalInfo": "No monthly account keeping fees"
      },
      {
        "featureType": "OTHER",
        "additionalInfo": "Flexible Repayment terms available"
      },
      {
        "featureType": "OTHER",
        "additionalInfo": "Option of interest only repayments"
      }
    ],
    "constraints": [
      {
        "constraintType": "MIN_LIMIT",
        "additionalValue": "20000.00"
      }
    ],
    "eligibility": [
      {
        "eligibilityType": "MIN_AGE",
        "additionalValue": "18"
      },
      {
        "eligibilityType": "RESIDENCY_STATUS",
        "additionalValue": "Must be an Australian resident or citizen, with an Australian residential mailing address"
      },
      {
        "eligibilityType": "OTHER",
        "additionalInfo": " Product is available to approved borrowers only. Terms, conditions, fees, charges and normal lending criteria apply"
      },
      {
        "eligibilityType": "BUSINESS",
        "additionalInfo": "Available to Businesses"
      },
      {
        "eligibilityType": "OTHER",
        "additionalInfo": "Maximum Loan to Value Ratio of 65%"
      }
    ],
    "fees": [
      {
        "name": "AGENT_FEE",
        "feeType": "PAYMENT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "150.00"
        },
        "currency": "AUD",
        "additionalInfo": "Payable if we need to instruct an agent in connection with the settlement of your loan"
      },
      {
        "name": "TITLEPRODFEE",
        "feeType": "EVENT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "150.00"
        },
        "currency": "AUD",
        "additionalInfo": "Payable when you ask us to produce the title to you or another credit provider"
      },
      {
        "name": "TITLESEARCH",
        "feeType": "EVENT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "50.00"
        },
        "currency": "AUD",
        "additionalInfo": "Payable when you undertake a title search in relation to any security"
      },
      {
        "name": "SETTLEMENTATTFEE",
        "feeType": "EVENT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "75.00"
        },
        "currency": "AUD",
        "additionalInfo": "Payable when we are required to attend any settlement on your behalf"
      },
      {
        "name": "SEARCHFEE",
        "feeType": "EVENT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "20.00"
        },
        "currency": "AUD",
        "additionalInfo": "Payable when we undertake any search in relation to your company or business at ASIC"
      },
      {
        "name": "PHOTOCOPYFEE",
        "feeType": "EVENT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "3.00"
        },
        "currency": "AUD",
        "additionalInfo": "$3 per page. Payable when you ask us to photocopy documents for you"
      },
      {
        "name": "DISCHARGE_FEE",
        "feeType": "EXIT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "350.00"
        },
        "currency": "AUD",
        "additionalInfo": "Payable when any security is wholly or partially discharged."
      },
      {
        "name": "CONSENT_FEE",
        "feeType": "EVENT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "150.00"
        },
        "currency": "AUD",
        "additionalInfo": "Payable when you ask us to consent to a second mortgage on any security"
      },
      {
        "name": "DEFAULTFEE",
        "feeType": "PAYMENT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "20.00"
        },
        "currency": "AUD",
        "additionalInfo": "Payable on the last day of each month during which there is an amount overdue for payment on your loan."
      },
      {
        "name": "CHQFEE",
        "feeType": "EVENT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "10.00"
        },
        "currency": "AUD",
        "additionalInfo": "Payable for each cheque required on settlement in excess of five (5) cheques"
      },
      {
        "name": "DUPLICATESTATEMENTFEE",
        "feeType": "EVENT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "2.00"
        },
        "currency": "AUD",
        "additionalInfo": "Duplicate Statement Fee - $2 per page of statement produced. Payable when you ask us to produce duplicate statements for you."
      },
      {
        "name": "LANDTITLE",
        "feeType": "CASH_ADVANCE",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "0.00"
        },
        "currency": "AUD",
        "additionalInfo": "Priced on application - Payable when you request us to produce a title deed"
      },
      {
        "name": "LEGALCOSTS",
        "feeType": "CASH_ADVANCE",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "0.00"
        },
        "currency": "AUD",
        "additionalInfo": "Priced on application - Payable when we pay our solicitors as a result of your application for a variabtion to, discharge of or our consent to any variation of your agreement or security"
      },
      {
        "name": "SECURITYSEARCH",
        "feeType": "CASH_ADVANCE",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "0.00"
        },
        "currency": "AUD",
        "additionalInfo": "Priced on application - Payable if we need to search a register in relation to any security"
      },
      {
        "name": "VALFEE",
        "feeType": "CASH_ADVANCE",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "0.00"
        },
        "currency": "AUD",
        "additionalInfo": "Priced on application - Payable when we have to pay a valuer as a result of your application for our consent to any matter relating to this agreement or the security, a variation of the agreement or security, or for a progress payment under a construction loan"
      },
      {
        "name": "SWITCHFEE",
        "feeType": "EVENT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "300.00"
        },
        "currency": "AUD",
        "additionalInfo": "Payable when you convert from one interest rate option to another. This fee is in addition to any break costs payable"
      },
      {
        "name": "CONTRACTVARIATIONFEE",
        "feeType": "EVENT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "300.00"
        },
        "currency": "AUD",
        "additionalInfo": "Payable in the event we agree to vary your loan agreement"
      },
      {
        "name": "FEECARDREP",
        "feeType": "EVENT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "10.00"
        },
        "currency": "AUD",
        "additionalInfo": "Card Issuance fee - Applicable when requesting the replacement of an existing card or when ordering a second or any additional card"
      },
      {
        "name": "DISHONOURFEE",
        "feeType": "PAYMENT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "16.00"
        },
        "currency": "AUD",
        "additionalInfo": "Payable if a direct debit from another account to your loan is declined or a cheque deposited to your loan account is dishonoured"
      }
    ],
    "productCategory": "BUSINESS_LOANS",
    "productId": "L48V1",
    "lastUpdated": "2026-07-10T15:16:06.000+10:00",
    "name": "Business Line of Credit - Commercially Secured",
    "description": " A line of credit means you can access and draw on funds at any time, repay as much or as little as you like (as long as you cover the interest, fees & charges each month) until the end of loan term.",
    "brand": "HUME BANK LIMITED",
    "brandName": "HUME BANK LIMITED",
    "isTailored": false,
    "additionalInformation": {
      "overviewUri": "https://www.humebank.com.au/business/business-finance/#segment-6201",
      "termsUri": "https://www.humebank.com.au/tools-help/product-tcs/"
    }
  }
}