{
  "source": "https://services.liberty.com.au/api/data-holder-public/cds-au/v1/banking/products/ff73e566-161a-4c85-a179-7fddd3f1d1b5",
  "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": "Interest only",
        "additionalInfo": "Interest only repayments available",
        "additionalInfoUri": null
      },
      {
        "featureType": "OTHER",
        "additionalValue": "Monthly repayments",
        "additionalInfo": "Repayments - 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": "Business acquisitions",
        "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": "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 amount may vary based on information provided.",
        "additionalInfoUri": null
      },
      {
        "constraintType": "MIN_LIMIT",
        "additionalValue": "50000.00",
        "additionalInfo": "Minimum loan amount of $50,000",
        "additionalInfoUri": null
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    ],
    "eligibility": [
      {
        "eligibilityType": "OTHER",
        "additionalValue": "Time in business",
        "additionalInfo": "Time in business no minimum required",
        "additionalInfoUri": null
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    ],
    "fees": [
      {
        "name": "Loan establishment fee",
        "feeType": "UPFRONT",
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        },
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        "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": "Line fee",
        "feeType": "PERIODIC",
        "feeMethodUType": "rateBased",
        "fixedAmount": null,
        "rateBased": {
          "rateType": "BALANCE",
          "rate": "0.01",
          "accrualFrequency": "P1Y",
          "amountRange": null
        },
        "variable": null,
        "feeCap": null,
        "feeCapPeriod": null,
        "currency": "AUD",
        "additionalValue": "P1Y",
        "additionalInfo": "A Line fee of 1% p.a. applies on unutilised funds.",
        "additionalInfoUri": null,
        "discounts": null
      },
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        "name": "Service fee",
        "feeType": "PERIODIC",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
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        "rateBased": null,
        "variable": null,
        "feeCap": null,
        "feeCapPeriod": null,
        "currency": "AUD",
        "additionalValue": "P1M",
        "additionalInfo": "Service fee $30 per month",
        "additionalInfoUri": null,
        "discounts": null
      },
      {
        "name": "Annual review fee",
        "feeType": "PERIODIC",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "545.00"
        },
        "rateBased": null,
        "variable": null,
        "feeCap": null,
        "feeCapPeriod": null,
        "currency": "AUD",
        "additionalValue": "P1Y",
        "additionalInfo": "Annual review fee $545",
        "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
      }
    ],
    "depositRates": [],
    "lendingRates": [
      {
        "lendingRateType": "VARIABLE",
        "rate": "0.1020",
        "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 10.20% p.a.",
        "additionalInfoUri": null
      }
    ],
    "productId": "ff73e566-161a-4c85-a179-7fddd3f1d1b5",
    "effectiveFrom": "2026-05-15T00:00:00Z",
    "effectiveTo": "9999-12-30T13:00:00Z",
    "lastUpdated": "2026-05-15T00:00:00Z",
    "productCategory": "BUSINESS_LOANS",
    "name": "Business line of credit",
    "description": "Business line of credits",
    "brand": "Liberty Financial",
    "brandName": "Liberty Financial",
    "brandGroup": "Liberty Financial Pty Ltd",
    "applicationUri": null,
    "isTailored": false,
    "additionalInformation": {
      "overviewUri": "https://liberty.com.au/business-loans/line-of-credit-business-loans",
      "termsUri": null,
      "eligibilityUri": null,
      "feesAndPricingUri": null,
      "bundleUri": null,
      "additionalOverviewUris": null,
      "additionalTermsUris": null,
      "additionalEligibilityUris": null,
      "additionalFeesAndPricingUris": null,
      "additionalBundleUris": null
    },
    "cardArt": null
  }
}