{
  "source": "https://services.liberty.com.au/api/data-holder-public/cds-au/v1/banking/products/5838dfc3-b759-4a6b-9da3-95efcb3b426f",
  "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 & interest",
        "additionalInfo": "Principal & interest repayments available",
        "additionalInfoUri": null
      },
      {
        "featureType": "OTHER",
        "additionalValue": "Interest only",
        "additionalInfo": "Interest only available for a maximum of 3 years at an additional interest rate loading of 0.50%",
        "additionalInfoUri": null
      },
      {
        "featureType": "OTHER",
        "additionalValue": "Flexible repayment frequency",
        "additionalInfo": "Repayments - Weekly, fortnightly, monthly",
        "additionalInfoUri": null
      },
      {
        "featureType": "REDRAW",
        "additionalValue": "Redraw",
        "additionalInfo": "Redraw facility available",
        "additionalInfoUri": null
      },
      {
        "featureType": "OTHER",
        "additionalValue": "Working capital",
        "additionalInfo": "Additional documentation may be required upon assessment.",
        "additionalInfoUri": null
      },
      {
        "featureType": "OTHER",
        "additionalValue": "Inventory purchase",
        "additionalInfo": "Additional documentation may be required upon assessment.",
        "additionalInfoUri": null
      },
      {
        "featureType": "OTHER",
        "additionalValue": "Property purchase",
        "additionalInfo": "Additional documentation may be required upon assessment.",
        "additionalInfoUri": null
      },
      {
        "featureType": "OTHER",
        "additionalValue": "Equipment purchase",
        "additionalInfo": "Additional documentation may be required upon assessment.",
        "additionalInfoUri": null
      },
      {
        "featureType": "OTHER",
        "additionalValue": "Business acquisitions",
        "additionalInfo": "Additional documentation may be required upon assessment.",
        "additionalInfoUri": null
      },
      {
        "featureType": "OTHER",
        "additionalValue": "Refinance",
        "additionalInfo": "Can be used for tax debt. Additional documentation may be required upon assessment.",
        "additionalInfoUri": null
      },
      {
        "featureType": "OTHER",
        "additionalValue": "Security",
        "additionalInfo": "Security determined on application assessment",
        "additionalInfoUri": null
      }
    ],
    "constraints": [
      {
        "constraintType": "MAX_LIMIT",
        "additionalValue": "2000000.00",
        "additionalInfo": "Loan amounts may vary based on information provided",
        "additionalInfoUri": null
      },
      {
        "constraintType": "MIN_LIMIT",
        "additionalValue": "50000.00",
        "additionalInfo": "Minimum loan amount of $50,000",
        "additionalInfoUri": null
      },
      {
        "constraintType": "OTHER",
        "additionalValue": "Minimum loan term 12 months",
        "additionalInfo": "Minimum loan term 12 months",
        "additionalInfoUri": null
      },
      {
        "constraintType": "OTHER",
        "additionalValue": "Maximum loan term 30 years",
        "additionalInfo": "Maximum loan term 30 years",
        "additionalInfoUri": null
      }
    ],
    "eligibility": [
      {
        "eligibilityType": "OTHER",
        "additionalValue": "Time in business ≥ 2 years",
        "additionalInfo": "Time in business ≥ 2 years",
        "additionalInfoUri": null
      }
    ],
    "fees": [
      {
        "name": "Loan establishment fee",
        "feeType": "UPFRONT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "1950.00"
        },
        "rateBased": null,
        "variable": null,
        "feeCap": null,
        "feeCapPeriod": null,
        "currency": "AUD",
        "additionalValue": null,
        "additionalInfo": "Loan establishment fee $1,950 or 1.25% of loan amount, whichever greater. Fee can be capitalised into the loan",
        "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": null,
        "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": "Deferred facility fee",
        "feeType": "EXIT",
        "feeMethodUType": "rateBased",
        "fixedAmount": null,
        "rateBased": {
          "rateType": "BALANCE",
          "rate": "0.020000",
          "accrualFrequency": null,
          "amountRange": null
        },
        "variable": null,
        "feeCap": null,
        "feeCapPeriod": null,
        "currency": "AUD",
        "additionalValue": null,
        "additionalInfo": "Applicable if the loan is repaid before the earlier of the end of the term or the third anniversary of settlement. Customers may elect to pay an upfront facility fee in lieu of a deferred facility fee prior to settlement.",
        "additionalInfoUri": null,
        "discounts": null
      },
      {
        "name": "Valuation fee",
        "feeType": "OTHER",
        "feeMethodUType": "variable",
        "fixedAmount": null,
        "rateBased": null,
        "variable": {
          "feeMinimum": null,
          "feeMaximum": null
        },
        "feeCap": null,
        "feeCapPeriod": null,
        "currency": "AUD",
        "additionalValue": null,
        "additionalInfo": "Valuation fee at applicant's cost",
        "additionalInfoUri": null,
        "discounts": null
      }
    ],
    "depositRates": [],
    "lendingRates": [
      {
        "lendingRateType": "VARIABLE",
        "rate": "0.0920",
        "comparisonRate": null,
        "calculationFrequency": null,
        "applicationType": "PERIODIC",
        "applicationFrequency": "P1M",
        "interestPaymentDue": null,
        "repaymentType": "PRINCIPAL_AND_INTEREST",
        "loanPurpose": "UNCONSTRAINED",
        "tiers": null,
        "applicabilityConditions": null,
        "additionalValue": null,
        "additionalInfo": "Rates from 9.20% p.a.",
        "additionalInfoUri": null
      }
    ],
    "productId": "5838dfc3-b759-4a6b-9da3-95efcb3b426f",
    "effectiveFrom": "2026-05-15T00:00:00Z",
    "effectiveTo": "9999-12-30T13:00:00Z",
    "lastUpdated": "2026-05-15T00:00:00Z",
    "productCategory": "BUSINESS_LOANS",
    "name": "Low doc business loan",
    "description": "Low doc business loans",
    "brand": "Liberty Financial",
    "brandName": "Liberty Financial",
    "brandGroup": "Liberty Financial Pty Ltd",
    "applicationUri": null,
    "isTailored": false,
    "additionalInformation": {
      "overviewUri": "https://liberty.com.au/business-loans/low-doc-business-loans",
      "termsUri": null,
      "eligibilityUri": null,
      "feesAndPricingUri": null,
      "bundleUri": null,
      "additionalOverviewUris": null,
      "additionalTermsUris": null,
      "additionalEligibilityUris": null,
      "additionalFeesAndPricingUris": null,
      "additionalBundleUris": null
    },
    "cardArt": null
  }
}