{
  "source": "https://api.ijf.openbanking.prod.peppermoney.com.au/cds-au/v1/banking/products/IJF01000",
  "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": "IJF01000",
    "lastUpdated": "2026-06-23T00:05:39Z",
    "productCategory": "RESIDENTIAL_MORTGAGES",
    "name": "Prime Home Loan",
    "description": "Our variable rate home finance options give you the flexibility to manage your money how and when you want. You’ll get access to our online finance portal, the freedom to make additional repayments along with the option for a 100% interest offset sub-account and VISA debit card+ access (monthly fees apply).",
    "brand": "Ijarah Islamic Finance",
    "brandName": "Ijarah Islamic Finance",
    "isTailored": true,
    "additionalInformation": {},
    "features": [
      {
        "featureType": "OFFSET",
        "additionalInfo": "100% Interest Offset sub-account. Manage rental repayments charged with an Offset sub-account."
      },
      {
        "featureType": "REDRAW",
        "additionalInfo": "Redraw Facility (minimum redraw amounts apply). Make additional repayments and redraw at any time."
      },
      {
        "featureType": "CARD_ACCESS",
        "additionalValue": "Visa Debit Card (including payWave). Access additional advances with a Visa Debit Card."
      },
      {
        "featureType": "EXTRA_REPAYMENTS",
        "additionalInfo": "Additional repayments. Make extra repayments at any time, subject to terms and conditions."
      },
      {
        "featureType": "OTHER",
        "additionalInfo": "Flexible Loan Terms. 10-40 year finance terms are available (maximum 30 years for Interest Only)."
      },
      {
        "featureType": "DIGITAL_BANKING",
        "additionalInfo": "Provides borrowers online access to view and manage finance accounts."
      },
      {
        "featureType": "OTHER",
        "additionalInfo": "Repayment option - choose between variable and rental only (max 5 years) repayments."
      }
    ],
    "constraints": [
      {
        "constraintType": "MIN_LIMIT",
        "additionalValue": "100000.00"
      }
    ],
    "eligibility": [
      {
        "eligibilityType": "MIN_AGE",
        "additionalValue": "18",
        "additionalInfo": "Individual borrower must be 18 years + to enter into a contract."
      },
      {
        "eligibilityType": "RESIDENCY_STATUS",
        "additionalValue": "Only available to Australian Citizens or Permanent Residents."
      },
      {
        "eligibilityType": "OTHER",
        "additionalInfo": "All applications are subject to credit assessment and eligibility criteria."
      }
    ],
    "fees": [
      {
        "name": "Prime Establishment Fee",
        "feeType": "UPFRONT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "599.00"
        },
        "currency": "AUD",
        "additionalInfo": "Charged once at finance establishment for prime residential mortgage applications."
      },
      {
        "name": "Prime Admin Fee",
        "feeType": "PERIODIC",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "10.00"
        },
        "currency": "AUD",
        "additionalValue": "P1M",
        "additionalInfo": "Charged monthly per account split for ongoing administration of the finance."
      },
      {
        "name": "Legal Fee",
        "feeType": "UPFRONT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "330.00"
        },
        "currency": "AUD",
        "additionalInfo": "Covers standard legal costs incurred at finance establishment."
      },
      {
        "name": "Legal Disbursements",
        "feeType": "UPFRONT",
        "feeMethodUType": "variable",
        "variable": {},
        "currency": "AUD",
        "additionalInfo": "Third-party legal costs such as searches and registrations, charged at cost."
      },
      {
        "name": "Discharge Fee",
        "feeType": "EXIT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "500.00"
        },
        "currency": "AUD",
        "additionalInfo": "Charged per plan when the finance is fully discharged."
      },
      {
        "name": "Fixed Rate Lock Fee",
        "feeType": "UPFRONT",
        "feeMethodUType": "rateBased",
        "rateBased": {
          "rateType": "BALANCE",
          "rate": "0.0015",
          "amountRange": {
            "feeMinimum": "750.00"
          }
        },
        "currency": "AUD",
        "additionalInfo": "Applies to fixed rates only if Rate Lock option is requested."
      },
      {
        "name": "Valuation Fee",
        "feeType": "UPFRONT",
        "feeMethodUType": "variable",
        "variable": {},
        "currency": "AUD",
        "additionalInfo": "One standard valuation included."
      },
      {
        "name": "Risk Fee",
        "feeType": "UPFRONT",
        "feeMethodUType": "variable",
        "variable": {},
        "currency": "AUD",
        "additionalInfo": "Risk Fee may be payable depending on finance amount and LVR."
      }
    ]
  }
}