{
  "source": "https://services.liberty.com.au/api/data-holder-public/cds-au/v1/banking/products/5259b11b-d90d-41a9-a964-471cc8b02b1b",
  "note": "Product Reference Data published by the data holder under the Consumer Data Right, as cached by this site (refreshed every 6 hours).",
  "data": {
    "bundles": [],
    "features": [
      {
        "featureType": "OTHER",
        "additionalValue": "Principal and interest",
        "additionalInfo": "Principal and interest repayments available",
        "additionalInfoUri": null
      },
      {
        "featureType": "OTHER",
        "additionalValue": "Interest only",
        "additionalInfo": "Loans with an Interest Only period are subject to a 0.15% interest rate loading.",
        "additionalInfoUri": null
      },
      {
        "featureType": "REDRAW",
        "additionalValue": "Redraw",
        "additionalInfo": "Redraw facility available",
        "additionalInfoUri": null
      },
      {
        "featureType": "OTHER",
        "additionalValue": "Flexible repayment frequency",
        "additionalInfo": "Repay weekly, fortnightly, monthly",
        "additionalInfoUri": null
      },
      {
        "featureType": "OTHER",
        "additionalValue": "Owner occupier & investor",
        "additionalInfo": "Owner occupier & investor",
        "additionalInfoUri": null
      },
      {
        "featureType": "OTHER",
        "additionalValue": "Established business",
        "additionalInfo": "Established business",
        "additionalInfoUri": null
      },
      {
        "featureType": "OTHER",
        "additionalValue": "Flexible payment options",
        "additionalInfo": "Flexible payment options",
        "additionalInfoUri": null
      },
      {
        "featureType": "OTHER",
        "additionalValue": "Alternative income verification",
        "additionalInfo": "Alternative income verification",
        "additionalInfoUri": null
      }
    ],
    "constraints": [
      {
        "constraintType": "MAX_LIMIT",
        "additionalValue": "4000000.00",
        "additionalInfo": "Subject to loan to value ratio (LVR) restrictions.",
        "additionalInfoUri": null
      },
      {
        "constraintType": "MIN_LIMIT",
        "additionalValue": "100000.00",
        "additionalInfo": "Minimum loan amount of $100,000",
        "additionalInfoUri": null
      },
      {
        "constraintType": "MAX_LVR",
        "additionalValue": "0.80",
        "additionalInfo": "Maximum loan to value ratio 80%",
        "additionalInfoUri": null
      },
      {
        "constraintType": "OTHER",
        "additionalValue": "Maximum loan term up to 30 years",
        "additionalInfo": "Maximum loan term Up to 30 years",
        "additionalInfoUri": null
      }
    ],
    "eligibility": [],
    "fees": [
      {
        "name": "Application fee",
        "feeType": "UPFRONT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "795.00"
        },
        "rateBased": null,
        "variable": null,
        "feeCap": null,
        "feeCapPeriod": null,
        "currency": "AUD",
        "additionalValue": null,
        "additionalInfo": "Application fee of $1,045 may apply depending on assessment criteria.",
        "additionalInfoUri": null,
        "discounts": null
      },
      {
        "name": "Establishment Fee",
        "feeType": "OTHER",
        "feeMethodUType": "rateBased",
        "fixedAmount": null,
        "rateBased": {
          "rateType": "BALANCE",
          "rate": "0.010000",
          "accrualFrequency": null,
          "amountRange": null
        },
        "variable": null,
        "feeCap": null,
        "feeCapPeriod": null,
        "currency": "AUD",
        "additionalValue": null,
        "additionalInfo": "The establishment fee is calculated as a percentage of the loan amount and has a minimum fee of $2,500 or $5,000 depending on assessment criteria.",
        "additionalInfoUri": null,
        "discounts": null
      },
      {
        "name": "Service fee",
        "feeType": "PERIODIC",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "30.00"
        },
        "rateBased": null,
        "variable": null,
        "feeCap": null,
        "feeCapPeriod": null,
        "currency": "AUD",
        "additionalValue": "P1M",
        "additionalInfo": "Service fee $30 per month",
        "additionalInfoUri": null,
        "discounts": null
      },
      {
        "name": "Valuation fee",
        "feeType": "UPFRONT",
        "feeMethodUType": "variable",
        "fixedAmount": null,
        "rateBased": null,
        "variable": {
          "feeMinimum": null,
          "feeMaximum": null
        },
        "feeCap": null,
        "feeCapPeriod": null,
        "currency": "AUD",
        "additionalValue": null,
        "additionalInfo": "Valuation fee varies",
        "additionalInfoUri": null,
        "discounts": null
      },
      {
        "name": "Settlement fee",
        "feeType": "UPFRONT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "595.00"
        },
        "rateBased": null,
        "variable": null,
        "feeCap": null,
        "feeCapPeriod": null,
        "currency": "AUD",
        "additionalValue": null,
        "additionalInfo": null,
        "additionalInfoUri": null,
        "discounts": null
      },
      {
        "name": "Documentation fee",
        "feeType": "UPFRONT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "695.00"
        },
        "rateBased": null,
        "variable": null,
        "feeCap": null,
        "feeCapPeriod": null,
        "currency": "AUD",
        "additionalValue": null,
        "additionalInfo": null,
        "additionalInfoUri": null,
        "discounts": null
      },
      {
        "name": "Discharge fee",
        "feeType": "EXIT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "395.00"
        },
        "rateBased": null,
        "variable": null,
        "feeCap": null,
        "feeCapPeriod": null,
        "currency": "AUD",
        "additionalValue": null,
        "additionalInfo": "Discharge fee of $395 plus legal fees and government charges are due upon loan finalisation.",
        "additionalInfoUri": null,
        "discounts": null
      },
      {
        "name": "Deferred facility fee",
        "feeType": "EXIT",
        "feeMethodUType": "rateBased",
        "fixedAmount": null,
        "rateBased": {
          "rateType": "BALANCE",
          "rate": "0.010000",
          "accrualFrequency": null,
          "amountRange": null
        },
        "variable": null,
        "feeCap": null,
        "feeCapPeriod": null,
        "currency": "AUD",
        "additionalValue": null,
        "additionalInfo": "Deferred Facility fee is calculated as a percentage of the loan amount and is only payable if the loan is repaid before the earlier of the end of the term or the third anniversary of settlement.",
        "additionalInfoUri": null,
        "discounts": null
      },
      {
        "name": "Redraw fee",
        "feeType": "TRANSACTION",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "85.00"
        },
        "rateBased": null,
        "variable": null,
        "feeCap": null,
        "feeCapPeriod": null,
        "currency": "AUD",
        "additionalValue": null,
        "additionalInfo": "Minimum redraw amount $5,000.",
        "additionalInfoUri": null,
        "discounts": null
      }
    ],
    "depositRates": [],
    "lendingRates": [
      {
        "lendingRateType": "VARIABLE",
        "rate": "0.0860",
        "comparisonRate": null,
        "calculationFrequency": null,
        "applicationType": "PERIODIC",
        "applicationFrequency": "P1M",
        "interestPaymentDue": null,
        "repaymentType": "PRINCIPAL_AND_INTEREST",
        "loanPurpose": "UNCONSTRAINED",
        "tiers": null,
        "applicabilityConditions": null,
        "additionalValue": null,
        "additionalInfo": "Higher interest rates may apply. The actual interest rate applicable will depend on the loan to value ratio (LVR) and our assessment criteria including the level of income verification supplied. This page displays our best rate for eligible customers that can provide sufficient income verification documents.",
        "additionalInfoUri": null
      }
    ],
    "productId": "5259b11b-d90d-41a9-a964-471cc8b02b1b",
    "effectiveFrom": "2026-05-15T00:00:00Z",
    "effectiveTo": "9999-12-30T13:00:00Z",
    "lastUpdated": "2026-05-15T00:00:00Z",
    "productCategory": "BUSINESS_LOANS",
    "name": "Low doc commercial loan",
    "description": "Low doc commercial loans",
    "brand": "Liberty Financial",
    "brandName": "Liberty Financial",
    "brandGroup": "Liberty Financial Pty Ltd",
    "applicationUri": null,
    "isTailored": false,
    "additionalInformation": {
      "overviewUri": "https://liberty.com.au/commercial-loans/low-doc-commercial-loans",
      "termsUri": null,
      "eligibilityUri": null,
      "feesAndPricingUri": null,
      "bundleUri": null,
      "additionalOverviewUris": null,
      "additionalTermsUris": null,
      "additionalEligibilityUris": null,
      "additionalFeesAndPricingUris": null,
      "additionalBundleUris": null
    },
    "cardArt": null
  }
}