{
  "source": "https://prd.pm.productdata.au/5c8b5d2a-56da-49ce-909e-8e7681a5775d/adapter/cds-au/v1/banking/products/link-smsf",
  "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 SMSF Loan suits residential or commercial property, with fixed or variable rates, flexible repayments, and fast approvals. Borrow $50,000–$2,000,000 (up to 80% LVR), make unlimited extra repayments on variable loans, and pay $0 ongoing fees, with no application, settlement, or legal fees on refinances.",
    "isTailored": false,
    "lastUpdated": "2026-07-10T04:44:30.355356Z",
    "name": "Link SMSF Home Loan",
    "productCategory": "RESIDENTIAL_MORTGAGES",
    "productId": "link-smsf",
    "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 $2,000,000.",
        "additionalInfoUri": null,
        "additionalValue": "2000000.00"
      }
    ],
    "depositRates": [],
    "eligibility": [
      {
        "eligibilityType": "OTHER",
        "additionalInfo": "Eligible for consumers with a Self-Managed Super Fund (SMSF) where the trustee of the super fund is a corporate entity.",
        "additionalInfoUri": null,
        "additionalValue": null
      }
    ],
    "features": [
      {
        "featureType": "EXTRA_REPAYMENTS",
        "additionalInfo": "Allows borrowers to make additional repayments on the loan to reduce interest and pay off the loan faster. Limited to $10,000 per year for fixed interest rate types.",
        "additionalInfoUri": null,
        "additionalValue": null
      }
    ],
    "fees": [
      {
        "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": "Documentation Fee",
        "additionalInfo": "The documentation fee is only applicable for purchase applications. There will be no documentation fee charged for refinance applications.",
        "additionalInfoUri": null,
        "additionalValue": null,
        "currency": "AUD",
        "discounts": [],
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "490.00"
        },
        "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": "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
      },
      {
        "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
      }
    ],
    "lendingRates": [
      {
        "lendingRateType": "FIXED",
        "rate": "0.0784",
        "additionalInfo": null,
        "additionalInfoUri": null,
        "additionalValue": "P5Y",
        "applicationFrequency": "P1M",
        "calculationFrequency": "P1D",
        "comparisonRate": "0.0759",
        "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": [
              {
                "additionalInfo": "Available for residential securities.",
                "additionalInfoUri": null,
                "rateApplicabilityType": "OTHER",
                "additionalValue": null
              }
            ]
          }
        ],
        "applicabilityConditions": [],
        "applicationType": "PERIODIC"
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      {
        "lendingRateType": "VARIABLE",
        "rate": "0.0709",
        "additionalInfo": null,
        "additionalInfoUri": null,
        "additionalValue": null,
        "applicationFrequency": "P1M",
        "calculationFrequency": "P1D",
        "comparisonRate": "0.0711",
        "interestPaymentDue": "IN_ARREARS",
        "loanPurpose": "INVESTMENT",
        "repaymentType": "PRINCIPAL_AND_INTEREST",
        "tiers": [
          {
            "name": "Loan-to-Value Ratio (LVR)",
            "unitOfMeasure": "PERCENT",
            "minimumValue": "0.00",
            "maximumValue": "0.60",
            "rateApplicationMethod": "WHOLE_BALANCE",
            "applicabilityConditions": [
              {
                "additionalInfo": "Available for residential securities.",
                "additionalInfoUri": null,
                "rateApplicabilityType": "OTHER",
                "additionalValue": null
              }
            ]
          }
        ],
        "applicabilityConditions": [],
        "applicationType": "PERIODIC"
      },
      {
        "lendingRateType": "FIXED",
        "rate": "0.0744",
        "additionalInfo": null,
        "additionalInfoUri": null,
        "additionalValue": "P3Y",
        "applicationFrequency": "P1M",
        "calculationFrequency": "P1D",
        "comparisonRate": "0.0735",
        "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": [
              {
                "additionalInfo": "Available for residential securities.",
                "additionalInfoUri": null,
                "rateApplicabilityType": "OTHER",
                "additionalValue": null
              }
            ]
          }
        ],
        "applicabilityConditions": [],
        "applicationType": "PERIODIC"
      },
      {
        "lendingRateType": "VARIABLE",
        "rate": "0.0714",
        "additionalInfo": null,
        "additionalInfoUri": null,
        "additionalValue": null,
        "applicationFrequency": "P1M",
        "calculationFrequency": "P1D",
        "comparisonRate": "0.0716",
        "interestPaymentDue": "IN_ARREARS",
        "loanPurpose": "INVESTMENT",
        "repaymentType": "PRINCIPAL_AND_INTEREST",
        "tiers": [
          {
            "name": "Loan-to-Value Ratio (LVR)",
            "unitOfMeasure": "PERCENT",
            "minimumValue": "0.6001",
            "maximumValue": "0.70",
            "rateApplicationMethod": "WHOLE_BALANCE",
            "applicabilityConditions": [
              {
                "additionalInfo": "Available for residential securities.",
                "additionalInfoUri": null,
                "rateApplicabilityType": "OTHER",
                "additionalValue": null
              }
            ]
          }
        ],
        "applicabilityConditions": [],
        "applicationType": "PERIODIC"
      },
      {
        "lendingRateType": "VARIABLE",
        "rate": "0.0729",
        "additionalInfo": null,
        "additionalInfoUri": null,
        "additionalValue": null,
        "applicationFrequency": "P1M",
        "calculationFrequency": "P1D",
        "comparisonRate": "0.0731",
        "interestPaymentDue": "IN_ARREARS",
        "loanPurpose": "INVESTMENT",
        "repaymentType": "PRINCIPAL_AND_INTEREST",
        "tiers": [
          {
            "name": "Loan-to-Value Ratio (LVR)",
            "unitOfMeasure": "PERCENT",
            "minimumValue": "0.7001",
            "maximumValue": "0.80",
            "rateApplicationMethod": "WHOLE_BALANCE",
            "applicabilityConditions": [
              {
                "additionalInfo": "Available for residential securities.",
                "additionalInfoUri": null,
                "rateApplicabilityType": "OTHER",
                "additionalValue": null
              }
            ]
          }
        ],
        "applicabilityConditions": [],
        "applicationType": "PERIODIC"
      },
      {
        "lendingRateType": "FIXED",
        "rate": "0.0734",
        "additionalInfo": null,
        "additionalInfoUri": null,
        "additionalValue": "P2Y",
        "applicationFrequency": "P1M",
        "calculationFrequency": "P1D",
        "comparisonRate": "0.0732",
        "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": [
              {
                "additionalInfo": "Available for residential securities.",
                "additionalInfoUri": null,
                "rateApplicabilityType": "OTHER",
                "additionalValue": null
              }
            ]
          }
        ],
        "applicabilityConditions": [],
        "applicationType": "PERIODIC"
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      {
        "lendingRateType": "VARIABLE",
        "rate": "0.0774",
        "additionalInfo": null,
        "additionalInfoUri": null,
        "additionalValue": null,
        "applicationFrequency": "P1M",
        "calculationFrequency": "P1D",
        "comparisonRate": null,
        "interestPaymentDue": "IN_ARREARS",
        "loanPurpose": "INVESTMENT",
        "repaymentType": "PRINCIPAL_AND_INTEREST",
        "tiers": [
          {
            "name": "Loan-to-Value Ratio (LVR)",
            "unitOfMeasure": "PERCENT",
            "minimumValue": "0.7001",
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            "rateApplicationMethod": "WHOLE_BALANCE",
            "applicabilityConditions": [
              {
                "additionalInfo": "Available for eligible commercial securities.",
                "additionalInfoUri": null,
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            ]
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        ],
        "applicabilityConditions": [],
        "applicationType": "PERIODIC"
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      {
        "lendingRateType": "FIXED",
        "rate": "0.0884",
        "additionalInfo": null,
        "additionalInfoUri": null,
        "additionalValue": "P5Y",
        "applicationFrequency": "P1M",
        "calculationFrequency": "P1D",
        "comparisonRate": null,
        "interestPaymentDue": "IN_ARREARS",
        "loanPurpose": "INVESTMENT",
        "repaymentType": "PRINCIPAL_AND_INTEREST",
        "tiers": [
          {
            "name": "Loan-to-Value Ratio (LVR)",
            "unitOfMeasure": "PERCENT",
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            "rateApplicationMethod": "WHOLE_BALANCE",
            "applicabilityConditions": [
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                "additionalInfo": "Available for eligible commercial securities.",
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        "applicabilityConditions": [],
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      {
        "lendingRateType": "VARIABLE",
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        "additionalInfo": null,
        "additionalInfoUri": null,
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        "applicationFrequency": "P1M",
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        "interestPaymentDue": "IN_ARREARS",
        "loanPurpose": "INVESTMENT",
        "repaymentType": "PRINCIPAL_AND_INTEREST",
        "tiers": [
          {
            "name": "Loan-to-Value Ratio (LVR)",
            "unitOfMeasure": "PERCENT",
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            "rateApplicationMethod": "WHOLE_BALANCE",
            "applicabilityConditions": [
              {
                "additionalInfo": "Available for eligible commercial securities.",
                "additionalInfoUri": null,
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            ]
          }
        ],
        "applicabilityConditions": [],
        "applicationType": "PERIODIC"
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      {
        "lendingRateType": "FIXED",
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        "additionalInfo": null,
        "additionalInfoUri": null,
        "additionalValue": "P2Y",
        "applicationFrequency": "P1M",
        "calculationFrequency": "P1D",
        "comparisonRate": null,
        "interestPaymentDue": "IN_ARREARS",
        "loanPurpose": "INVESTMENT",
        "repaymentType": "PRINCIPAL_AND_INTEREST",
        "tiers": [
          {
            "name": "Loan-to-Value Ratio (LVR)",
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            "minimumValue": "0.00",
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            "rateApplicationMethod": "WHOLE_BALANCE",
            "applicabilityConditions": [
              {
                "additionalInfo": "Available for eligible commercial securities.",
                "additionalInfoUri": null,
                "rateApplicabilityType": "OTHER",
                "additionalValue": null
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            ]
          }
        ],
        "applicabilityConditions": [],
        "applicationType": "PERIODIC"
      },
      {
        "lendingRateType": "FIXED",
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        "additionalInfo": null,
        "additionalInfoUri": null,
        "additionalValue": "P3Y",
        "applicationFrequency": "P1M",
        "calculationFrequency": "P1D",
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        "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": [
              {
                "additionalInfo": "Available for eligible commercial securities.",
                "additionalInfoUri": null,
                "rateApplicabilityType": "OTHER",
                "additionalValue": null
              }
            ]
          }
        ],
        "applicabilityConditions": [],
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    ],
    "instalments": null
  }
}