{
  "source": "https://cdr-api.latrobefinancial.com.au/cds-au/v1/banking/products/Expatriate%20Loan",
  "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": "Expatriate Loan",
    "lastUpdated": "2026-07-07T01:56:14Z",
    "productCategory": "RESIDENTIAL_MORTGAGES",
    "name": "Expatriate Loan",
    "description": "A loan for Australian citizens working or living abroad looking to buy property or refinance an existing loan to consolidate debt or access equity.",
    "brand": "La Trobe Financial",
    "applicationUri": "https://www.latrobefinancial.com.au/lending/international-borrower-loan/",
    "isTailored": true,
    "additionalInformation": {
      "overviewUri": "https://www.latrobefinancial.com.au/lending/international-borrower-loan/",
      "termsUri": "https://www.latrobefinancial.com.au/lending/international-borrower-loan/",
      "eligibilityUri": "https://www.latrobefinancial.com.au/lending/international-borrower-loan/",
      "feesAndPricingUri": "https://www.latrobefinancial.com.au/lending/international-borrower-loan/",
      "bundleUri": "https://www.latrobefinancial.com.au/lending/international-borrower-loan/"
    },
    "features": [
      {
        "featureType": "EXTRA_REPAYMENTS",
        "additionalInfo": "Additional repayments are available"
      },
      {
        "featureType": "GUARANTOR",
        "additionalValue": "Guarantors with financial benefit acceptable"
      },
      {
        "featureType": "REDRAW"
      },
      {
        "featureType": "DIGITAL_BANKING",
        "additionalInfo": "Access your loan account online to view and track your loan via the La Trobe Financial website."
      }
    ],
    "constraints": [
      {
        "constraintType": "MAX_LIMIT",
        "additionalValue": "40000000.00",
        "additionalInfo": "$40,000,000 up to 60% LVR"
      },
      {
        "constraintType": "MAX_LVR",
        "additionalValue": "80",
        "additionalInfo": "Maximum LVR of 80% available up to $5,000,000"
      },
      {
        "constraintType": "MIN_LIMIT",
        "additionalValue": "100000.00"
      },
      {
        "constraintType": "OTHER",
        "additionalInfo": "Borrower must be an Australian citizen"
      },
      {
        "constraintType": "OTHER",
        "additionalInfo": "Interest rate and LVR may differ depending on security property size and location"
      },
      {
        "constraintType": "OTHER",
        "additionalInfo": "Loan terms up to 30 years"
      }
    ],
    "fees": [
      {
        "name": "Application Fee",
        "feeType": "UPFRONT",
        "feeMethodUType": "rateBased",
        "rateBased": {
          "rateType": "TRANSACTION",
          "rate": "0.75",
          "amountRange": {
            "feeMaximum": "1.25"
          }
        },
        "currency": "AUD"
      },
      {
        "name": "Monthly Account Fee",
        "feeType": "PERIODIC",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "15.00"
        },
        "currency": "AUD",
        "additionalValue": "P1M"
      }
    ],
    "lendingRates": [
      {
        "rate": "0.0749",
        "applicationType": "PERIODIC",
        "applicationFrequency": "P1M",
        "lendingRateType": "VARIABLE",
        "comparisonRate": "0.0793",
        "repaymentType": "PRINCIPAL_AND_INTEREST",
        "loanPurpose": "UNCONSTRAINED"
      }
    ]
  }
}