{
  "source": "https://prd.pm.productdata.au/270801a2-ecee-4175-98fc-9ba0a1cd8d4d/adapter/cds-au/v1/banking/products/lca-bridging-finance",
  "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": "loans.com.au",
    "description": "Short-term bridging finance, used to purchase a new owner-occupied property before the sale of an existing property. This loan reverts to a Standard Home Loan once the bridging period is complete. ",
    "isTailored": false,
    "lastUpdated": "2026-07-15T00:15:51.112395Z",
    "name": "Bridging Home Loan",
    "productCategory": "RESIDENTIAL_MORTGAGES",
    "productId": "lca-bridging-finance",
    "additionalInformation": {
      "overviewUri": "https://www.loans.com.au/home-loans/bridging-loan",
      "termsUri": null,
      "eligibilityUri": null,
      "feesAndPricingUri": null,
      "bundleUri": null,
      "additionalOverviewUris": [],
      "additionalTermsUris": [],
      "additionalEligibilityUris": [],
      "additionalFeesAndPricingUris": [],
      "additionalBundleUris": []
    },
    "applicationUri": "https://www.loans.com.au/apply",
    "brandName": "LCA",
    "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": "MAX_LVR",
        "additionalInfo": "The maximum LVR of this product is 80%.",
        "additionalInfoUri": null,
        "additionalValue": "0.80"
      },
      {
        "constraintType": "MAX_LIMIT",
        "additionalInfo": "The maximum application amount available under this product is $3,000,000.",
        "additionalInfoUri": null,
        "additionalValue": "3000000.00"
      },
      {
        "constraintType": "MAX_LIMIT",
        "additionalInfo": "The maximum residual debt at the end of the bridging period must not exceed $2,000,000",
        "additionalInfoUri": null,
        "additionalValue": "2000000.00"
      }
    ],
    "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": "Are Australian or New Zealand citizens living and working in either Australia or New Zealand, or are Permanent Residents of Australia living and working in Australia."
      }
    ],
    "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 a maximum of $10,000 per year during the fixed term.",
        "additionalInfoUri": null,
        "additionalValue": null
      }
    ],
    "fees": [
      {
        "feeType": "EVENT",
        "name": "Bridging Loan Setup Fee",
        "additionalInfo": "A fee of 2% of the total loan amount charged at settlement of your Bridging Loan",
        "additionalInfoUri": null,
        "additionalValue": null,
        "currency": "AUD",
        "discounts": [],
        "feeMethodUType": "rateBased",
        "fixedAmount": null,
        "rateBased": {
          "rateType": "BALANCE",
          "rate": "0.02",
          "accrualFrequency": null,
          "amountRange": 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
      },
      {
        "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": "Security Assessment Fee",
        "additionalInfo": "A variable fee applied to each security, charged at cost, to determine the value of the assets used as security for the loan.",
        "additionalInfoUri": null,
        "additionalValue": null,
        "currency": "AUD",
        "discounts": [],
        "feeMethodUType": "variable",
        "fixedAmount": null,
        "rateBased": null,
        "variable": {
          "feeMinimum": "230.00",
          "feeMaximum": null
        },
        "feeCap": null,
        "feeCapPeriod": null
      },
      {
        "feeType": "EVENT",
        "name": "Break Cost Administration Fee",
        "additionalInfo": "Fixed Break Cost Administration Fee charged when a borrower breaks their fixed rate period, covering the administration of processing the break request, charged in addition to the Fixed Rate Break Cost.",
        "additionalInfoUri": null,
        "additionalValue": null,
        "currency": "AUD",
        "discounts": [],
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "150.00"
        },
        "rateBased": null,
        "variable": null,
        "feeCap": null,
        "feeCapPeriod": null
      },
      {
        "feeType": "UPFRONT",
        "name": "Rate Lock Fee",
        "additionalInfo": "Fixed Rate Lock Fee allows borrowers to lock in the fixed rate for 90 days, protecting against potential rate increases until settlement; compulsory for 5-year fixed terms and optional for other fixed terms.",
        "additionalInfoUri": null,
        "additionalValue": null,
        "currency": "AUD",
        "discounts": [],
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "350.00"
        },
        "rateBased": null,
        "variable": null,
        "feeCap": null,
        "feeCapPeriod": null
      }
    ],
    "lendingRates": [
      {
        "lendingRateType": "FIXED",
        "rate": "0.0819",
        "additionalInfo": "Repayment terms: Months 1–3 no interest is capitalised and no monthly repayments required; Months 4–6 interest accrues and is capitalised to the loan with no repayments required; remaining term interest-only repayments apply.",
        "additionalInfoUri": null,
        "additionalValue": "P12M",
        "applicationFrequency": "P1M",
        "calculationFrequency": "P1D",
        "comparisonRate": "0.0659",
        "interestPaymentDue": "IN_ARREARS",
        "loanPurpose": "OWNER_OCCUPIED",
        "repaymentType": "INTEREST_ONLY",
        "tiers": [
          {
            "name": "Loan-to-Value Ratio (LVR)",
            "unitOfMeasure": "PERCENT",
            "minimumValue": "0.00",
            "maximumValue": "0.80",
            "rateApplicationMethod": "WHOLE_BALANCE",
            "applicabilityConditions": []
          }
        ],
        "applicabilityConditions": [],
        "applicationType": "MATURITY"
      }
    ],
    "instalments": null
  }
}