{
  "source": "https://prd.pm.productdata.au/5c8b5d2a-56da-49ce-909e-8e7681a5775d/adapter/cds-au/v1/banking/products/link-expat",
  "note": "Product Reference Data published by the data holder under the Consumer Data Right, as cached by this site (refreshed every 6 hours).",
  "data": {
    "brand": "LJ Hooker",
    "description": "LJ Hooker's Link Expat Home Loan is designed for eligible non‑residents investing in Australian property, offering a variable rate and great features. Borrow up to $1,500,000 (up to 80% LVR), choose principal and interest or interest‑only repayments, and benefit from an optional offset sub-account, redraw facility, and unlimited extra repayments.",
    "isTailored": false,
    "lastUpdated": "2026-07-10T04:44:30.355553Z",
    "name": "Link Expat Home Loan",
    "productCategory": "RESIDENTIAL_MORTGAGES",
    "productId": "link-expat",
    "additionalInformation": {
      "overviewUri": null,
      "termsUri": null,
      "eligibilityUri": null,
      "feesAndPricingUri": null,
      "bundleUri": null,
      "additionalOverviewUris": [],
      "additionalTermsUris": [],
      "additionalEligibilityUris": [],
      "additionalFeesAndPricingUris": [],
      "additionalBundleUris": []
    },
    "applicationUri": null,
    "brandName": "LJH",
    "brandGroup": null,
    "cardArt": [],
    "effectiveFrom": null,
    "effectiveTo": null,
    "bundles": [],
    "constraints": [
      {
        "constraintType": "OTHER",
        "additionalInfo": "The loan term must be at least 15 years.",
        "additionalInfoUri": null,
        "additionalValue": "P15Y"
      },
      {
        "constraintType": "OTHER",
        "additionalInfo": "The loan term cannot exceed 30 years.",
        "additionalInfoUri": null,
        "additionalValue": "P30Y"
      },
      {
        "constraintType": "MIN_LIMIT",
        "additionalInfo": "The minimum application amount that can be borrowed is $50,000.",
        "additionalInfoUri": null,
        "additionalValue": "50000.00"
      },
      {
        "constraintType": "MAX_LIMIT",
        "additionalInfo": "The maximum application amount available under this product is $1,500,000.",
        "additionalInfoUri": null,
        "additionalValue": "1500000.00"
      },
      {
        "constraintType": "MAX_LVR",
        "additionalInfo": "The maximum LVR available under this product is 80%.",
        "additionalInfoUri": null,
        "additionalValue": "0.80"
      }
    ],
    "depositRates": [],
    "eligibility": [
      {
        "eligibilityType": "MIN_AGE",
        "additionalInfo": "Applicants must be at least 18 years old to apply for this loan.",
        "additionalInfoUri": null,
        "additionalValue": "18"
      },
      {
        "eligibilityType": "RESIDENCY_STATUS",
        "additionalInfo": null,
        "additionalInfoUri": null,
        "additionalValue": "Applicants who are Australian or New Zealand citizens residing and working overseas (expatriate)."
      }
    ],
    "features": [
      {
        "featureType": "OFFSET",
        "additionalInfo": "An optional linked sub-account where the balance offsets the loan principal, reducing the interest charged.",
        "additionalInfoUri": null,
        "additionalValue": null
      },
      {
        "featureType": "REDRAW",
        "additionalInfo": "Enables access to any extra repayments made, allowing funds to be withdrawn if needed.",
        "additionalInfoUri": null,
        "additionalValue": null
      },
      {
        "featureType": "EXTRA_REPAYMENTS",
        "additionalInfo": "Allows borrowers to make additional repayments on the loan to reduce interest and pay off the loan faster.",
        "additionalInfoUri": null,
        "additionalValue": null
      }
    ],
    "fees": [
      {
        "feeType": "EVENT",
        "name": "Documentation Fee",
        "additionalInfo": "A fee charged for preparing and processing the loan documentation required for settlement.",
        "additionalInfoUri": null,
        "additionalValue": null,
        "currency": "AUD",
        "discounts": [],
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "300.00"
        },
        "rateBased": null,
        "variable": null,
        "feeCap": null,
        "feeCapPeriod": null
      },
      {
        "feeType": "EXIT",
        "name": "Discharge Documentation Fee",
        "additionalInfo": "A fee charged for preparing the necessary documentation when the loan is fully repaid and discharged. Waived if loan runs to term.",
        "additionalInfoUri": null,
        "additionalValue": null,
        "currency": "AUD",
        "discounts": [],
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "250.00"
        },
        "rateBased": null,
        "variable": null,
        "feeCap": null,
        "feeCapPeriod": null
      },
      {
        "feeType": "EVENT",
        "name": "Valuation Fee",
        "additionalInfo": "A variable fee charged at cost to assess the value of the property used as security for the loan, starting from a minimum amount.",
        "additionalInfoUri": null,
        "additionalValue": null,
        "currency": "AUD",
        "discounts": [],
        "feeMethodUType": "variable",
        "fixedAmount": null,
        "rateBased": null,
        "variable": {
          "feeMinimum": "221.00",
          "feeMaximum": null
        },
        "feeCap": null,
        "feeCapPeriod": null
      },
      {
        "feeType": "UPFRONT",
        "name": "Application Fee",
        "additionalInfo": "No application fee is charged when setting up the loan.",
        "additionalInfoUri": null,
        "additionalValue": null,
        "currency": "AUD",
        "discounts": [],
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "0.00"
        },
        "rateBased": null,
        "variable": null,
        "feeCap": null,
        "feeCapPeriod": null
      },
      {
        "feeType": "EVENT",
        "name": "Settlement Fee",
        "additionalInfo": "A one-time fee charged at the time of loan settlement to cover processing and completion of the mortgage and funding of the loan.",
        "additionalInfoUri": null,
        "additionalValue": null,
        "currency": "AUD",
        "discounts": [],
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "300.00"
        },
        "rateBased": null,
        "variable": null,
        "feeCap": null,
        "feeCapPeriod": null
      },
      {
        "feeType": "EXIT",
        "name": "Discharge Administration Fee",
        "additionalInfo": "A fee applied when releasing our mortgage to cover administrative processing of the discharge request. Waived if loan runs to term.",
        "additionalInfoUri": null,
        "additionalValue": null,
        "currency": "AUD",
        "discounts": [],
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "300.00"
        },
        "rateBased": null,
        "variable": null,
        "feeCap": null,
        "feeCapPeriod": null
      }
    ],
    "lendingRates": [
      {
        "lendingRateType": "VARIABLE",
        "rate": "0.0773",
        "additionalInfo": null,
        "additionalInfoUri": null,
        "additionalValue": null,
        "applicationFrequency": "P1M",
        "calculationFrequency": "P1D",
        "comparisonRate": "0.0779",
        "interestPaymentDue": "IN_ARREARS",
        "loanPurpose": "INVESTMENT",
        "repaymentType": "PRINCIPAL_AND_INTEREST",
        "tiers": [
          {
            "name": "Loan-to-Value Ratio (LVR)",
            "unitOfMeasure": "PERCENT",
            "minimumValue": "0.00",
            "maximumValue": "0.80",
            "rateApplicationMethod": "WHOLE_BALANCE",
            "applicabilityConditions": []
          }
        ],
        "applicabilityConditions": [],
        "applicationType": "PERIODIC"
      },
      {
        "lendingRateType": "VARIABLE",
        "rate": "0.0793",
        "additionalInfo": null,
        "additionalInfoUri": null,
        "additionalValue": null,
        "applicationFrequency": "P1M",
        "calculationFrequency": "P1D",
        "comparisonRate": "0.0741",
        "interestPaymentDue": "IN_ARREARS",
        "loanPurpose": "INVESTMENT",
        "repaymentType": "INTEREST_ONLY",
        "tiers": [
          {
            "name": "Loan-to-Value Ratio (LVR)",
            "unitOfMeasure": "PERCENT",
            "minimumValue": "0.00",
            "maximumValue": "0.80",
            "rateApplicationMethod": "WHOLE_BALANCE",
            "applicabilityConditions": []
          }
        ],
        "applicabilityConditions": [],
        "applicationType": "PERIODIC"
      }
    ],
    "instalments": null
  }
}