{
  "source": "https://id.ob.ing.com.au/cds-au/v1/banking/products/f53a58f1-a964-4d9f-aa9d-23fec9148451",
  "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": "f53a58f1-a964-4d9f-aa9d-23fec9148451",
    "effectiveFrom": "2000-05-21T23:00:00.000Z",
    "effectiveTo": "9999-12-31T01:00:00.000Z",
    "lastUpdated": "2026-05-14T14:00:00.000Z",
    "productCategory": "RESIDENTIAL_MORTGAGES",
    "name": "Mortgage Simplifier",
    "description": "Low variable interest rate home loan with no ongoing monthly or annual fees.",
    "brand": "ING",
    "isTailored": false,
    "additionalInformation": {
      "overviewUri": "https://www.ing.com.au/home-loans/mortgage-simplifier.html"
    },
    "features": [
      {
        "featureType": "UNLIMITED_TXNS",
        "additionalInfo": "Unlimited electronic transactions."
      },
      {
        "featureType": "COMPLEMENTARY_PRODUCT_DISCOUNTS",
        "additionalValue": "Discounts on your Home & Contents insurance",
        "additionalInfo": "Breathe easier and save 30% on new policies when you combine home with contents insurance online."
      },
      {
        "featureType": "DIGITAL_BANKING"
      },
      {
        "featureType": "NPP_PAYID",
        "additionalInfo": "No need for BSB and account number. Receive real time payments using your own unique ID."
      },
      {
        "featureType": "NPP_ENABLED"
      },
      {
        "featureType": "BILL_PAYMENT",
        "additionalValue": "BPAY",
        "additionalInfo": "Make payments the easy way."
      },
      {
        "featureType": "NOTIFICATIONS",
        "additionalValue": "Transaction notification",
        "additionalInfo": "Receive SMS notifications when your balance is above or below an amount, a withdrawal or deposit is made or when your salary is deposited."
      },
      {
        "featureType": "OTHER",
        "additionalInfo": "Everyday Round Up. Round up eligible Orange Everyday card purchases to the nearest $1 or $5, and the difference goes straight from your Orange Everyday to pay down on your Mortgage Simplifier home loan."
      },
      {
        "featureType": "OTHER",
        "additionalInfo": "No fees for extra repayments."
      },
      {
        "featureType": "REDRAW",
        "additionalInfo": "Our flexible redraw facility gives you access to your additional payments when you need them. There is no minimum redraw amount, no limit on how many redraw transactions you can make and no redraw fee."
      },
      {
        "featureType": "OTHER",
        "additionalInfo": "Split Loan"
      }
    ],
    "constraints": [
      {
        "constraintType": "MIN_LIMIT",
        "additionalValue": "20000.00"
      },
      {
        "constraintType": "MAX_LIMIT",
        "additionalValue": "3000000.00"
      },
      {
        "constraintType": "MAX_LVR",
        "additionalValue": "0.95"
      },
      {
        "constraintType": "MIN_LVR",
        "additionalValue": "0.00"
      }
    ],
    "eligibility": [
      {
        "eligibilityType": "MIN_AGE",
        "additionalValue": "18",
        "additionalInfo": "You must be aged 18 or over."
      },
      {
        "eligibilityType": "RESIDENCY_STATUS",
        "additionalValue": "AU",
        "additionalInfo": "Available to Australian citizen or Australian permanent resident."
      },
      {
        "eligibilityType": "RESIDENCY_STATUS",
        "additionalValue": "NZ",
        "additionalInfo": "Available to New Zealand citizens living in Australia."
      },
      {
        "eligibilityType": "OTHER",
        "additionalInfo": "Have and maintain an Australian residential address."
      }
    ],
    "fees": [
      {
        "name": "Annual fee",
        "feeType": "PERIODIC",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "0.00"
        },
        "currency": "AUD",
        "additionalValue": "P1Y",
        "additionalInfo": "With no monthly, annual or transaction fees."
      },
      {
        "name": "Settlement fee",
        "feeType": "UPFRONT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "350.00"
        },
        "currency": "AUD",
        "additionalInfo": "For each loan application and is charged at settlement."
      },
      {
        "name": "Change to letter of offer",
        "feeType": "EVENT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "250.00"
        },
        "currency": "AUD",
        "additionalInfo": "This is payable if changes are made to the letter of offer between disclosure date (date of original issue) and settlement."
      },
      {
        "name": "Additional statements",
        "feeType": "EVENT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "7.00"
        },
        "currency": "AUD",
        "additionalInfo": "$7 for each statement period."
      },
      {
        "name": "Increase/decrease to loan amount",
        "feeType": "EVENT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "300.00"
        },
        "currency": "AUD"
      },
      {
        "name": "Product switch",
        "feeType": "EVENT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "300.00"
        },
        "currency": "AUD"
      },
      {
        "name": "Substitution of security",
        "feeType": "EVENT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "300.00"
        },
        "currency": "AUD"
      },
      {
        "name": "Discharge Full and Partial",
        "feeType": "EVENT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "250.00"
        },
        "currency": "AUD"
      },
      {
        "name": "Consent to Subdivision/2nd mortgage",
        "feeType": "EVENT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "300.00"
        },
        "currency": "AUD"
      },
      {
        "name": "Removal or change to borrowers or guarantors",
        "feeType": "EVENT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "300.00"
        },
        "currency": "AUD"
      },
      {
        "name": "Dishonoured cheque",
        "feeType": "DISHONOUR",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "9.00"
        },
        "currency": "AUD"
      },
      {
        "name": "Direct debit rejected",
        "feeType": "EVENT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "9.00"
        },
        "currency": "AUD",
        "additionalInfo": "$9 for each direct debit rejected."
      },
      {
        "name": "Arrears Default Letter",
        "feeType": "EVENT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "40.00"
        },
        "currency": "AUD",
        "additionalInfo": "$40 for each letter."
      },
      {
        "name": "Valuation Fee",
        "feeType": "EVENT",
        "feeMethodUType": "variable",
        "variable": {
          "feeMinimum": "0.00"
        },
        "currency": "AUD",
        "additionalInfo": "A valuation fee is payable. ING will cover up to $225 of the valuation fee (GST inclusive) for the first valuation/property only."
      },
      {
        "name": "Late payment fee",
        "feeType": "LATE_PAYMENT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "30.00"
        },
        "currency": "AUD",
        "additionalInfo": "$30 when you do not pay any amount owing within 5 days of its due date"
      }
    ],
    "lendingRates": [
      {
        "lendingRateType": "VARIABLE",
        "rate": "0.0599",
        "comparisonRate": "0.0602",
        "calculationFrequency": "P1D",
        "applicationType": "PERIODIC",
        "applicationFrequency": "P1M",
        "interestPaymentDue": "IN_ARREARS",
        "repaymentType": "PRINCIPAL_AND_INTEREST",
        "loanPurpose": "OWNER_OCCUPIED",
        "tiers": [
          {
            "name": "Total borrowing",
            "unitOfMeasure": "DOLLAR",
            "minimumValue": "150000.00",
            "rateApplicationMethod": "WHOLE_BALANCE"
          },
          {
            "name": "Loan to Value Ratio",
            "unitOfMeasure": "PERCENT",
            "minimumValue": "0.01",
            "maximumValue": "0.5",
            "rateApplicationMethod": "WHOLE_BALANCE"
          }
        ],
        "additionalInfo": "Owner occupier - Principal & Interest."
      },
      {
        "lendingRateType": "VARIABLE",
        "rate": "0.0599",
        "comparisonRate": "0.0602",
        "calculationFrequency": "P1D",
        "applicationType": "PERIODIC",
        "applicationFrequency": "P1M",
        "interestPaymentDue": "IN_ARREARS",
        "repaymentType": "PRINCIPAL_AND_INTEREST",
        "loanPurpose": "OWNER_OCCUPIED",
        "tiers": [
          {
            "name": "Total borrowing",
            "unitOfMeasure": "DOLLAR",
            "minimumValue": "150000.00",
            "rateApplicationMethod": "WHOLE_BALANCE"
          },
          {
            "name": "Loan to Value Ratio",
            "unitOfMeasure": "PERCENT",
            "minimumValue": "0.51",
            "maximumValue": "0.6",
            "rateApplicationMethod": "WHOLE_BALANCE"
          }
        ],
        "additionalInfo": "Owner occupier - Principal & Interest."
      },
      {
        "lendingRateType": "VARIABLE",
        "rate": "0.0599",
        "comparisonRate": "0.0602",
        "calculationFrequency": "P1D",
        "applicationType": "PERIODIC",
        "applicationFrequency": "P1M",
        "interestPaymentDue": "IN_ARREARS",
        "repaymentType": "PRINCIPAL_AND_INTEREST",
        "loanPurpose": "OWNER_OCCUPIED",
        "tiers": [
          {
            "name": "Total borrowing",
            "unitOfMeasure": "DOLLAR",
            "minimumValue": "150000.00",
            "rateApplicationMethod": "WHOLE_BALANCE"
          },
          {
            "name": "Loan to Value Ratio",
            "unitOfMeasure": "PERCENT",
            "minimumValue": "0.61",
            "maximumValue": "0.7",
            "rateApplicationMethod": "WHOLE_BALANCE"
          }
        ],
        "additionalInfo": "Owner occupier - Principal & Interest."
      },
      {
        "lendingRateType": "VARIABLE",
        "rate": "0.0604",
        "comparisonRate": "0.0607",
        "calculationFrequency": "P1D",
        "applicationType": "PERIODIC",
        "applicationFrequency": "P1M",
        "interestPaymentDue": "IN_ARREARS",
        "repaymentType": "PRINCIPAL_AND_INTEREST",
        "loanPurpose": "OWNER_OCCUPIED",
        "tiers": [
          {
            "name": "Total borrowing",
            "unitOfMeasure": "DOLLAR",
            "minimumValue": "150000.00",
            "rateApplicationMethod": "WHOLE_BALANCE"
          },
          {
            "name": "Loan to Value Ratio",
            "unitOfMeasure": "PERCENT",
            "minimumValue": "0.71",
            "maximumValue": "0.8",
            "rateApplicationMethod": "WHOLE_BALANCE"
          }
        ],
        "additionalInfo": "Owner occupier - Principal & Interest."
      },
      {
        "lendingRateType": "VARIABLE",
        "rate": "0.0624",
        "comparisonRate": "0.0627",
        "calculationFrequency": "P1D",
        "applicationType": "PERIODIC",
        "applicationFrequency": "P1M",
        "interestPaymentDue": "IN_ARREARS",
        "repaymentType": "PRINCIPAL_AND_INTEREST",
        "loanPurpose": "OWNER_OCCUPIED",
        "tiers": [
          {
            "name": "Total borrowing",
            "unitOfMeasure": "DOLLAR",
            "minimumValue": "150000.00",
            "rateApplicationMethod": "WHOLE_BALANCE"
          },
          {
            "name": "Loan to Value Ratio",
            "unitOfMeasure": "PERCENT",
            "minimumValue": "0.81",
            "maximumValue": "0.9",
            "rateApplicationMethod": "WHOLE_BALANCE"
          }
        ],
        "additionalInfo": "Owner occupier - Principal & Interest."
      },
      {
        "lendingRateType": "VARIABLE",
        "rate": "0.0669",
        "comparisonRate": "0.0672",
        "calculationFrequency": "P1D",
        "applicationType": "PERIODIC",
        "applicationFrequency": "P1M",
        "interestPaymentDue": "IN_ARREARS",
        "repaymentType": "PRINCIPAL_AND_INTEREST",
        "loanPurpose": "OWNER_OCCUPIED",
        "tiers": [
          {
            "name": "Loan to Value Ratio",
            "unitOfMeasure": "PERCENT",
            "minimumValue": "0.91",
            "maximumValue": "0.95",
            "rateApplicationMethod": "WHOLE_BALANCE"
          },
          {
            "name": "Total borrowing",
            "unitOfMeasure": "DOLLAR",
            "minimumValue": "150000.00",
            "rateApplicationMethod": "WHOLE_BALANCE"
          }
        ],
        "additionalInfo": "Owner occupier - Principal & Interest."
      },
      {
        "lendingRateType": "VARIABLE",
        "rate": "0.0644",
        "comparisonRate": "0.0621",
        "calculationFrequency": "P1D",
        "applicationType": "PERIODIC",
        "applicationFrequency": "P1M",
        "interestPaymentDue": "IN_ARREARS",
        "repaymentType": "INTEREST_ONLY",
        "loanPurpose": "OWNER_OCCUPIED",
        "tiers": [
          {
            "name": "Total borrowing",
            "unitOfMeasure": "DOLLAR",
            "minimumValue": "150000.00",
            "rateApplicationMethod": "WHOLE_BALANCE"
          },
          {
            "name": "Loan to Value Ratio",
            "unitOfMeasure": "PERCENT",
            "minimumValue": "0.01",
            "maximumValue": "0.5",
            "rateApplicationMethod": "WHOLE_BALANCE"
          }
        ],
        "additionalInfo": "Owner occupier - Interest only."
      },
      {
        "lendingRateType": "VARIABLE",
        "rate": "0.0644",
        "comparisonRate": "0.0621",
        "calculationFrequency": "P1D",
        "applicationType": "PERIODIC",
        "applicationFrequency": "P1M",
        "interestPaymentDue": "IN_ARREARS",
        "repaymentType": "INTEREST_ONLY",
        "loanPurpose": "OWNER_OCCUPIED",
        "tiers": [
          {
            "name": "Loan to Value Ratio",
            "unitOfMeasure": "PERCENT",
            "minimumValue": "0.51",
            "maximumValue": "0.6",
            "rateApplicationMethod": "WHOLE_BALANCE"
          },
          {
            "name": "Total borrowing",
            "unitOfMeasure": "DOLLAR",
            "minimumValue": "150000.00",
            "rateApplicationMethod": "WHOLE_BALANCE"
          }
        ],
        "additionalInfo": "Owner occupier - Interest only."
      },
      {
        "lendingRateType": "VARIABLE",
        "rate": "0.0644",
        "comparisonRate": "0.0621",
        "calculationFrequency": "P1D",
        "applicationType": "PERIODIC",
        "applicationFrequency": "P1M",
        "interestPaymentDue": "IN_ARREARS",
        "repaymentType": "INTEREST_ONLY",
        "loanPurpose": "OWNER_OCCUPIED",
        "tiers": [
          {
            "name": "Loan to Value Ratio",
            "unitOfMeasure": "PERCENT",
            "minimumValue": "0.61",
            "maximumValue": "0.7",
            "rateApplicationMethod": "WHOLE_BALANCE"
          },
          {
            "name": "Total borrowing",
            "unitOfMeasure": "DOLLAR",
            "minimumValue": "150000.00",
            "rateApplicationMethod": "WHOLE_BALANCE"
          }
        ],
        "additionalInfo": "Owner occupier - Interest only."
      },
      {
        "lendingRateType": "VARIABLE",
        "rate": "0.0644",
        "comparisonRate": "0.0624",
        "calculationFrequency": "P1D",
        "applicationType": "PERIODIC",
        "applicationFrequency": "P1M",
        "interestPaymentDue": "IN_ARREARS",
        "repaymentType": "INTEREST_ONLY",
        "loanPurpose": "OWNER_OCCUPIED",
        "tiers": [
          {
            "name": "Loan to Value Ratio",
            "unitOfMeasure": "PERCENT",
            "minimumValue": "0.71",
            "maximumValue": "0.8",
            "rateApplicationMethod": "WHOLE_BALANCE"
          },
          {
            "name": "Total borrowing",
            "unitOfMeasure": "DOLLAR",
            "minimumValue": "150000.00",
            "rateApplicationMethod": "WHOLE_BALANCE"
          }
        ],
        "additionalInfo": "Owner occupier - Interest only."
      },
      {
        "lendingRateType": "VARIABLE",
        "rate": "0.0614",
        "comparisonRate": "0.0617",
        "calculationFrequency": "P1D",
        "applicationType": "PERIODIC",
        "applicationFrequency": "P1M",
        "interestPaymentDue": "IN_ARREARS",
        "repaymentType": "PRINCIPAL_AND_INTEREST",
        "loanPurpose": "INVESTMENT",
        "tiers": [
          {
            "name": "Loan to Value Ratio",
            "unitOfMeasure": "PERCENT",
            "minimumValue": "0.01",
            "maximumValue": "0.5",
            "rateApplicationMethod": "WHOLE_BALANCE"
          },
          {
            "name": "Total borrowing",
            "unitOfMeasure": "DOLLAR",
            "minimumValue": "150000.00",
            "rateApplicationMethod": "WHOLE_BALANCE"
          }
        ],
        "additionalInfo": "Investor - Principal & Interest."
      },
      {
        "lendingRateType": "VARIABLE",
        "rate": "0.0614",
        "comparisonRate": "0.0617",
        "calculationFrequency": "P1D",
        "applicationType": "PERIODIC",
        "applicationFrequency": "P1M",
        "interestPaymentDue": "IN_ARREARS",
        "repaymentType": "PRINCIPAL_AND_INTEREST",
        "loanPurpose": "INVESTMENT",
        "tiers": [
          {
            "name": "Total borrowing",
            "unitOfMeasure": "DOLLAR",
            "minimumValue": "150000.00",
            "rateApplicationMethod": "WHOLE_BALANCE"
          },
          {
            "name": "Loan to Value Ratio",
            "unitOfMeasure": "PERCENT",
            "minimumValue": "0.51",
            "maximumValue": "0.6",
            "rateApplicationMethod": "WHOLE_BALANCE"
          }
        ],
        "additionalInfo": "Investor - Principal & Interest."
      },
      {
        "lendingRateType": "VARIABLE",
        "rate": "0.0614",
        "comparisonRate": "0.0617",
        "calculationFrequency": "P1D",
        "applicationType": "PERIODIC",
        "applicationFrequency": "P1M",
        "interestPaymentDue": "IN_ARREARS",
        "repaymentType": "PRINCIPAL_AND_INTEREST",
        "loanPurpose": "INVESTMENT",
        "tiers": [
          {
            "name": "Loan to Value Ratio",
            "unitOfMeasure": "PERCENT",
            "minimumValue": "0.61",
            "maximumValue": "0.7",
            "rateApplicationMethod": "WHOLE_BALANCE"
          },
          {
            "name": "Total borrowing",
            "unitOfMeasure": "DOLLAR",
            "minimumValue": "150000.00",
            "rateApplicationMethod": "WHOLE_BALANCE"
          }
        ],
        "additionalInfo": "Investor - Principal & Interest."
      },
      {
        "lendingRateType": "VARIABLE",
        "rate": "0.0619",
        "comparisonRate": "0.0622",
        "calculationFrequency": "P1D",
        "applicationType": "PERIODIC",
        "applicationFrequency": "P1M",
        "interestPaymentDue": "IN_ARREARS",
        "repaymentType": "PRINCIPAL_AND_INTEREST",
        "loanPurpose": "INVESTMENT",
        "tiers": [
          {
            "name": "Total borrowing",
            "unitOfMeasure": "DOLLAR",
            "minimumValue": "150000.00",
            "rateApplicationMethod": "WHOLE_BALANCE"
          },
          {
            "name": "Loan to Value Ratio",
            "unitOfMeasure": "PERCENT",
            "minimumValue": "0.71",
            "maximumValue": "0.8",
            "rateApplicationMethod": "WHOLE_BALANCE"
          }
        ],
        "additionalInfo": "Investor - Principal & Interest."
      },
      {
        "lendingRateType": "VARIABLE",
        "rate": "0.0649",
        "comparisonRate": "0.0652",
        "calculationFrequency": "P1D",
        "applicationType": "PERIODIC",
        "applicationFrequency": "P1M",
        "interestPaymentDue": "IN_ARREARS",
        "repaymentType": "PRINCIPAL_AND_INTEREST",
        "loanPurpose": "INVESTMENT",
        "tiers": [
          {
            "name": "Loan to Value Ratio",
            "unitOfMeasure": "PERCENT",
            "minimumValue": "0.81",
            "maximumValue": "0.9",
            "rateApplicationMethod": "WHOLE_BALANCE"
          },
          {
            "name": "Total borrowing",
            "unitOfMeasure": "DOLLAR",
            "minimumValue": "150000.00",
            "rateApplicationMethod": "WHOLE_BALANCE"
          }
        ],
        "additionalInfo": "Investor - Principal & Interest."
      },
      {
        "lendingRateType": "VARIABLE",
        "rate": "0.0634",
        "comparisonRate": "0.0625",
        "calculationFrequency": "P1D",
        "applicationType": "PERIODIC",
        "applicationFrequency": "P1M",
        "interestPaymentDue": "IN_ARREARS",
        "repaymentType": "INTEREST_ONLY",
        "loanPurpose": "INVESTMENT",
        "tiers": [
          {
            "name": "Total borrowing",
            "unitOfMeasure": "DOLLAR",
            "minimumValue": "150000.00",
            "rateApplicationMethod": "WHOLE_BALANCE"
          },
          {
            "name": "Loan to Value Ratio",
            "unitOfMeasure": "PERCENT",
            "minimumValue": "0.01",
            "maximumValue": "0.5",
            "rateApplicationMethod": "WHOLE_BALANCE"
          }
        ],
        "additionalInfo": "Investor - Interest only."
      },
      {
        "lendingRateType": "VARIABLE",
        "rate": "0.0634",
        "comparisonRate": "0.0625",
        "calculationFrequency": "P1D",
        "applicationType": "PERIODIC",
        "applicationFrequency": "P1M",
        "interestPaymentDue": "IN_ARREARS",
        "repaymentType": "INTEREST_ONLY",
        "loanPurpose": "INVESTMENT",
        "tiers": [
          {
            "name": "Total borrowing",
            "unitOfMeasure": "DOLLAR",
            "minimumValue": "150000.00",
            "rateApplicationMethod": "WHOLE_BALANCE"
          },
          {
            "name": "Loan to Value Ratio",
            "unitOfMeasure": "PERCENT",
            "minimumValue": "0.51",
            "maximumValue": "0.6",
            "rateApplicationMethod": "WHOLE_BALANCE"
          }
        ],
        "additionalInfo": "Investor - Interest only."
      },
      {
        "lendingRateType": "VARIABLE",
        "rate": "0.0634",
        "comparisonRate": "0.0625",
        "calculationFrequency": "P1D",
        "applicationType": "PERIODIC",
        "applicationFrequency": "P1M",
        "interestPaymentDue": "IN_ARREARS",
        "repaymentType": "INTEREST_ONLY",
        "loanPurpose": "INVESTMENT",
        "tiers": [
          {
            "name": "Total borrowing",
            "unitOfMeasure": "DOLLAR",
            "minimumValue": "150000.00",
            "rateApplicationMethod": "WHOLE_BALANCE"
          },
          {
            "name": "Loan to Value Ratio",
            "unitOfMeasure": "PERCENT",
            "minimumValue": "0.61",
            "maximumValue": "0.7",
            "rateApplicationMethod": "WHOLE_BALANCE"
          }
        ],
        "additionalInfo": "Investor - Interest only."
      },
      {
        "lendingRateType": "VARIABLE",
        "rate": "0.0634",
        "comparisonRate": "0.0628",
        "calculationFrequency": "P1D",
        "applicationType": "PERIODIC",
        "applicationFrequency": "P1M",
        "interestPaymentDue": "IN_ARREARS",
        "repaymentType": "INTEREST_ONLY",
        "loanPurpose": "INVESTMENT",
        "tiers": [
          {
            "name": "Loan to Value Ratio",
            "unitOfMeasure": "PERCENT",
            "minimumValue": "0.71",
            "maximumValue": "0.8",
            "rateApplicationMethod": "WHOLE_BALANCE"
          },
          {
            "name": "Total borrowing",
            "unitOfMeasure": "DOLLAR",
            "minimumValue": "150000.00",
            "rateApplicationMethod": "WHOLE_BALANCE"
          }
        ],
        "additionalInfo": "Investor - Interest only."
      },
      {
        "lendingRateType": "VARIABLE",
        "rate": "0.0664",
        "comparisonRate": "0.0658",
        "calculationFrequency": "P1D",
        "applicationType": "PERIODIC",
        "applicationFrequency": "P1M",
        "interestPaymentDue": "IN_ARREARS",
        "repaymentType": "INTEREST_ONLY",
        "loanPurpose": "INVESTMENT",
        "tiers": [
          {
            "name": "Total borrowing",
            "unitOfMeasure": "DOLLAR",
            "minimumValue": "150000.00",
            "rateApplicationMethod": "WHOLE_BALANCE"
          },
          {
            "name": "Loan to Value Ratio",
            "unitOfMeasure": "PERCENT",
            "minimumValue": "0.81",
            "maximumValue": "0.9",
            "rateApplicationMethod": "WHOLE_BALANCE"
          }
        ],
        "additionalInfo": "Investor - Interest only."
      }
    ]
  }
}