{
  "source": "https://ibankob.humebank.com.au/OpenBanking/cds-au/v1/banking/products/NB80OOIO_V1",
  "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"
      },
      {
        "featureType": "OTHER",
        "additionalInfo": "No monthly account keeping fees"
      },
      {
        "featureType": "OTHER",
        "additionalInfo": "eStatements and printed statements available"
      },
      {
        "featureType": "OTHER",
        "additionalInfo": "Maximum length of loan 12 months"
      },
      {
        "featureType": "EXTRA_REPAYMENTS"
      }
    ],
    "constraints": [
      {
        "constraintType": "MAX_LVR",
        "additionalValue": "0.80"
      }
    ],
    "eligibility": [
      {
        "eligibilityType": "MIN_AGE",
        "additionalValue": "18",
        "additionalInfo": "18"
      },
      {
        "eligibilityType": "OTHER",
        "additionalInfo": "Maximum Loan to Value Ratio of 80%"
      },
      {
        "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"
      }
    ],
    "fees": [
      {
        "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": "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": "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": "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": "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": "CONTRACTVARIATIONFEE",
        "feeType": "EVENT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "300.00"
        },
        "currency": "AUD",
        "additionalInfo": "Payable in the event we agree to vary your loan agreement"
      },
      {
        "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"
      },
      {
        "name": "DISCHARGE_FEE",
        "feeType": "EXIT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "350.00"
        },
        "currency": "AUD",
        "additionalInfo": "Payable when any security is wholly or partially discharged."
      },
      {
        "name": "ESTABLISHMENTFEE",
        "feeType": "UPFRONT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "1250.00"
        },
        "currency": "AUD",
        "additionalInfo": "Establishment fee for Bridging Loans"
      }
    ],
    "lendingRates": [
      {
        "lendingRateType": "VARIABLE",
        "rate": "0.0784",
        "comparisonRate": "0.0794",
        "calculationFrequency": "P1D",
        "applicationType": "PERIODIC",
        "applicationFrequency": "P1M",
        "interestPaymentDue": "IN_ARREARS",
        "repaymentType": "INTEREST_ONLY",
        "loanPurpose": "OWNER_OCCUPIED",
        "additionalInfo": "Interest is calculated daily and applied monthly.",
        "additionalInfoUri": "https://www.humebank.com.au/about-hume-bank/customer-resources/interest-rates"
      }
    ],
    "productCategory": "RESIDENTIAL_MORTGAGES",
    "productId": "NB80OOIO_V1",
    "effectiveFrom": "2025-10-14T00:00:00.000+11:00",
    "lastUpdated": "2026-06-17T15:53:00.000+10:00",
    "name": "nextBlue Bridging O/Occ I/O (<80% LVR)",
    "description": "A bridging loan is a short-term home loan that helps cover the gap between buying a new property and selling your existing one. Available for up to 12 months for Owner Occupiers.",
    "brand": "HUME BANK LIMITED",
    "brandName": "HUME BANK LIMITED",
    "applicationUri": "https://www.humebank.com.au/homes/nextblue/",
    "isTailored": false,
    "additionalInformation": {
      "overviewUri": "https://www.humebank.com.au/homes/nextblue/",
      "termsUri": "https://www.humebank.com.au/tools-help/product-tcs/",
      "eligibilityUri": "https://www.humebank.com.au/media/2023/02/General-Conditions.pdf",
      "feesAndPricingUri": "https://www.humebank.com.au/homes/nextblue/"
    }
  }
}