{
  "source": "https://public.cdr.mamoney.com.au/cds-au/v1/banking/products/06b13ead-da6b-461e-9bcd-51d2f88ed581",
  "note": "Product Reference Data published by the data holder under the Consumer Data Right, as cached by this site (refreshed every 6 hours).",
  "data": {
    "additionalInformation": {
      "eligibilityUri": "https://www.mamoney.com.au/brokers/resources/rate-product-information/residential-guide/",
      "feesAndPricingUri": "https://www.mamoney.com.au/brokers/resources/rate-product-information/residential-guide/",
      "overviewUri": "https://www.mamoney.com.au/brokers/resources/rate-product-information/residential-guide/",
      "termsUri": "https://www.mamoney.com.au/terms-conditions/"
    },
    "brand": "MA Money",
    "brandName": "MA Money Financial Services Pty Ltd",
    "constraints": [
      {
        "additionalValue": "100000.00",
        "constraintType": "MIN_LIMIT"
      },
      {
        "additionalInfo": "Maximum loan amount varies by LVR and document type. Maximum LVR 80%.",
        "additionalValue": "2000000.00",
        "constraintType": "MAX_LIMIT"
      },
      {
        "additionalInfo": "Maximum LVR 80%, subject to loan amount, documentation type, postcode category, security type and credit assessment criteria.",
        "additionalValue": "0.8000",
        "constraintType": "MAX_LVR"
      }
    ],
    "description": "MA Money Specialist residential loan. Sizes $100k–$2m. Full Doc and Alt Doc to 80% LVR. Cash out capped at $100,000. Bankruptcy discharged >1 day accepted.",
    "eligibility": [
      {
        "additionalInfo": "Eligible individual borrowers include Australian citizens, New Zealand citizens residing in Australia, and Australian Permanent Resident Visa holders, including individuals acting as trustee. Eligible trusts include discretionary, unit and family trusts. Company borrowers, including company trustees, must be Australian-domiciled and have no more than five directors. Expat borrowers may be eligible where they meet the applicable MA Money policy and TMD criteria.",
        "additionalValue": "AU_NZ_PR_AND_ELIGIBLE_ENTITIES",
        "eligibilityType": "RESIDENCY_STATUS"
      },
      {
        "additionalInfo": "Accommodates borrowers with significant credit events including recent adverse listings, unlimited arrears and discharged bankruptcy. Maximum LVR 80%. Cash out limited to $100,000. See MA Money's Rate and Product Guide at mamoney.com.au for full criteria.",
        "eligibilityType": "OTHER"
      },
      {
        "additionalInfo": "Cash out limited to $100,000.",
        "eligibilityType": "OTHER"
      },
      {
        "additionalInfo": "Serviceability assessment applies. See MA Money's Rate and Product Guide at mamoney.com.au for full assessment criteria.",
        "eligibilityType": "OTHER"
      },
      {
        "additionalInfo": "Product maximum is $2m at maximum LVR 80%. Category 2: maximum loan $1.5m; maximum LVR 80%. Category 3: maximum loan $500k; maximum LVR 70%. Postcode category may further restrict availability.",
        "eligibilityType": "OTHER"
      },
      {
        "additionalInfo": "Completed residential or rural residential property only. Maximum 25 acres. Apartments: minimum 50m² including balcony and car space, or 40m² living area with no balcony/car space. High-density apartments (40+ units in complex): maximum 80% LVR. Maximum 6 residential properties on one title. Mixed-use zoning acceptable where residence is on a separate title.",
        "eligibilityType": "OTHER"
      },
      {
        "additionalInfo": "Full Documentation (Full Doc): income verified through recent payslips and/or tax returns. Alternative Documentation (Alt Doc): income verified through accountant letter, business bank statements, or business activity statements. See MA Money's Rate and Product Guide at mamoney.com.au for full documentation requirements.",
        "eligibilityType": "OTHER"
      },
      {
        "additionalInfo": "Loan term 5 to 40 years. A 31–40 year term is only available for eligible purchase applications where all applicants are aged 40 or under and is not available for loans over $2.5m.",
        "eligibilityType": "OTHER"
      }
    ],
    "features": [
      {
        "additionalInfo": "Up to 4 offset accounts per loan (1 per loan split). Fee: $10/month per account.",
        "featureType": "OFFSET"
      },
      {
        "additionalInfo": "Redraw facility available.",
        "featureType": "REDRAW"
      },
      {
        "additionalInfo": "Additional repayments above the required minimum repayments are available at no additional cost, subject to loan terms. Redraw may be available for eligible additional repayments.",
        "featureType": "EXTRA_REPAYMENTS"
      },
      {
        "additionalInfo": "Interest Only repayments are available for up to 5 years unless otherwise stated. Residential Prime investment loans at ≤80% LVR may be considered for up to 10 years on a POA basis. Interest-only loans revert to principal and interest at the end of the IO period.",
        "featureType": "OTHER"
      },
      {
        "additionalInfo": "Internet banking, direct debits and direct credits.",
        "featureType": "DIGITAL_BANKING"
      },
      {
        "additionalInfo": "Up to 4 loan splits per loan. One offset account available per split.",
        "featureType": "OTHER"
      },
      {
        "additionalInfo": "Up to 6 borrowers accepted per application.",
        "featureType": "OTHER"
      }
    ],
    "fees": [
      {
        "additionalInfo": "One-off upfront fee for Full Doc applications. Excludes GST.",
        "currency": "AUD",
        "feeMethodUType": "fixedAmount",
        "feeType": "UPFRONT",
        "fixedAmount": {
          "amount": "899.00"
        },
        "name": "Application Fee – Full Doc"
      },
      {
        "additionalInfo": "One-off upfront fee for Alt Doc applications. Excludes GST.",
        "currency": "AUD",
        "feeMethodUType": "fixedAmount",
        "feeType": "UPFRONT",
        "fixedAmount": {
          "amount": "899.00"
        },
        "name": "Application Fee – Alt Doc"
      },
      {
        "additionalInfo": "Annual account keeping fee. Excludes GST.",
        "additionalValue": "P1Y",
        "currency": "AUD",
        "feeMethodUType": "fixedAmount",
        "feeType": "PERIODIC",
        "fixedAmount": {
          "amount": "0.00"
        },
        "name": "Annual Fee"
      },
      {
        "additionalInfo": "$10 per offset account per month. Maximum 4 per loan. Excludes GST.",
        "additionalValue": "P1M",
        "currency": "AUD",
        "feeMethodUType": "fixedAmount",
        "feeType": "PERIODIC",
        "fixedAmount": {
          "amount": "10.00"
        },
        "name": "Offset Account Fee"
      },
      {
        "additionalInfo": "Charged at cost via Property Hub. AVM and Desktop valuations available subject to eligibility. Excludes GST.",
        "currency": "AUD",
        "feeMethodUType": "variable",
        "feeType": "EVENT",
        "name": "Valuation Fee",
        "variable": {
          "feeMinimum": "0.00"
        }
      },
      {
        "additionalInfo": "Legal fee from $400. Excludes GST.",
        "currency": "AUD",
        "feeMethodUType": "variable",
        "feeType": "EVENT",
        "name": "Legal Fee",
        "variable": {
          "feeMinimum": "400.00"
        }
      },
      {
        "additionalInfo": "Discharge fee from $550. Excludes GST.",
        "currency": "AUD",
        "feeMethodUType": "variable",
        "feeType": "EXIT",
        "name": "Discharge Fee",
        "variable": {
          "feeMinimum": "550.00"
        }
      },
      {
        "additionalInfo": "Risk fee 1.50% at LVR ≤80%. Excludes GST.",
        "currency": "AUD",
        "feeMethodUType": "rateBased",
        "feeType": "UPFRONT",
        "name": "Risk Fee",
        "rateBased": {
          "rate": "0.0150",
          "rateType": "BALANCE"
        }
      }
    ],
    "isTailored": false,
    "lastUpdated": "2026-07-13T02:53:56Z",
    "lendingRates": [
      {
        "additionalInfo": "Full Doc – LVR ≤65% – Owner Occupied P&I.",
        "applicationFrequency": "P1M",
        "applicationType": "PERIODIC",
        "calculationFrequency": "P1D",
        "interestPaymentDue": "IN_ARREARS",
        "lendingRateType": "VARIABLE",
        "loanPurpose": "OWNER_OCCUPIED",
        "rate": "0.0964",
        "repaymentType": "PRINCIPAL_AND_INTEREST",
        "tiers": [
          {
            "additionalInfo": "This tier represents LVR up to and including 65.00%.",
            "maximumValue": "0.6500",
            "minimumValue": "0.0000",
            "name": "Full Doc – LVR ≤65% – OO P&I",
            "rateApplicationMethod": "WHOLE_BALANCE",
            "unitOfMeasure": "PERCENT"
          }
        ]
      },
      {
        "additionalInfo": "Full Doc – LVR ≤65% – Owner Occupied IO.",
        "applicationFrequency": "P1M",
        "applicationType": "PERIODIC",
        "calculationFrequency": "P1D",
        "interestPaymentDue": "IN_ARREARS",
        "lendingRateType": "VARIABLE",
        "loanPurpose": "OWNER_OCCUPIED",
        "rate": "0.0984",
        "repaymentType": "INTEREST_ONLY",
        "tiers": [
          {
            "additionalInfo": "This tier represents LVR up to and including 65.00%.",
            "maximumValue": "0.6500",
            "minimumValue": "0.0000",
            "name": "Full Doc – LVR ≤65% – OO IO",
            "rateApplicationMethod": "WHOLE_BALANCE",
            "unitOfMeasure": "PERCENT"
          }
        ]
      },
      {
        "additionalInfo": "Full Doc – LVR ≤65% – Investment P&I.",
        "applicationFrequency": "P1M",
        "applicationType": "PERIODIC",
        "calculationFrequency": "P1D",
        "interestPaymentDue": "IN_ARREARS",
        "lendingRateType": "VARIABLE",
        "loanPurpose": "INVESTMENT",
        "rate": "0.0994",
        "repaymentType": "PRINCIPAL_AND_INTEREST",
        "tiers": [
          {
            "additionalInfo": "This tier represents LVR up to and including 65.00%.",
            "maximumValue": "0.6500",
            "minimumValue": "0.0000",
            "name": "Full Doc – LVR ≤65% – Inv P&I",
            "rateApplicationMethod": "WHOLE_BALANCE",
            "unitOfMeasure": "PERCENT"
          }
        ]
      },
      {
        "additionalInfo": "Full Doc – LVR ≤65% – Investment IO.",
        "applicationFrequency": "P1M",
        "applicationType": "PERIODIC",
        "calculationFrequency": "P1D",
        "interestPaymentDue": "IN_ARREARS",
        "lendingRateType": "VARIABLE",
        "loanPurpose": "INVESTMENT",
        "rate": "0.1014",
        "repaymentType": "INTEREST_ONLY",
        "tiers": [
          {
            "additionalInfo": "This tier represents LVR up to and including 65.00%.",
            "maximumValue": "0.6500",
            "minimumValue": "0.0000",
            "name": "Full Doc – LVR ≤65% – Inv IO",
            "rateApplicationMethod": "WHOLE_BALANCE",
            "unitOfMeasure": "PERCENT"
          }
        ]
      },
      {
        "additionalInfo": "Full Doc – LVR ≤70% – Owner Occupied P&I.",
        "applicationFrequency": "P1M",
        "applicationType": "PERIODIC",
        "calculationFrequency": "P1D",
        "interestPaymentDue": "IN_ARREARS",
        "lendingRateType": "VARIABLE",
        "loanPurpose": "OWNER_OCCUPIED",
        "rate": "0.0984",
        "repaymentType": "PRINCIPAL_AND_INTEREST",
        "tiers": [
          {
            "additionalInfo": "This tier represents LVR greater than 65.00% and up to and including 70.00%.",
            "maximumValue": "0.7000",
            "minimumValue": "0.6501",
            "name": "Full Doc – LVR ≤70% – OO P&I",
            "rateApplicationMethod": "WHOLE_BALANCE",
            "unitOfMeasure": "PERCENT"
          }
        ]
      },
      {
        "additionalInfo": "Full Doc – LVR ≤70% – Owner Occupied IO.",
        "applicationFrequency": "P1M",
        "applicationType": "PERIODIC",
        "calculationFrequency": "P1D",
        "interestPaymentDue": "IN_ARREARS",
        "lendingRateType": "VARIABLE",
        "loanPurpose": "OWNER_OCCUPIED",
        "rate": "0.1004",
        "repaymentType": "INTEREST_ONLY",
        "tiers": [
          {
            "additionalInfo": "This tier represents LVR greater than 65.00% and up to and including 70.00%.",
            "maximumValue": "0.7000",
            "minimumValue": "0.6501",
            "name": "Full Doc – LVR ≤70% – OO IO",
            "rateApplicationMethod": "WHOLE_BALANCE",
            "unitOfMeasure": "PERCENT"
          }
        ]
      },
      {
        "additionalInfo": "Full Doc – LVR ≤70% – Investment P&I.",
        "applicationFrequency": "P1M",
        "applicationType": "PERIODIC",
        "calculationFrequency": "P1D",
        "interestPaymentDue": "IN_ARREARS",
        "lendingRateType": "VARIABLE",
        "loanPurpose": "INVESTMENT",
        "rate": "0.1014",
        "repaymentType": "PRINCIPAL_AND_INTEREST",
        "tiers": [
          {
            "additionalInfo": "This tier represents LVR greater than 65.00% and up to and including 70.00%.",
            "maximumValue": "0.7000",
            "minimumValue": "0.6501",
            "name": "Full Doc – LVR ≤70% – Inv P&I",
            "rateApplicationMethod": "WHOLE_BALANCE",
            "unitOfMeasure": "PERCENT"
          }
        ]
      },
      {
        "additionalInfo": "Full Doc – LVR ≤70% – Investment IO.",
        "applicationFrequency": "P1M",
        "applicationType": "PERIODIC",
        "calculationFrequency": "P1D",
        "interestPaymentDue": "IN_ARREARS",
        "lendingRateType": "VARIABLE",
        "loanPurpose": "INVESTMENT",
        "rate": "0.1034",
        "repaymentType": "INTEREST_ONLY",
        "tiers": [
          {
            "additionalInfo": "This tier represents LVR greater than 65.00% and up to and including 70.00%.",
            "maximumValue": "0.7000",
            "minimumValue": "0.6501",
            "name": "Full Doc – LVR ≤70% – Inv IO",
            "rateApplicationMethod": "WHOLE_BALANCE",
            "unitOfMeasure": "PERCENT"
          }
        ]
      },
      {
        "additionalInfo": "Full Doc – LVR ≤75% – Owner Occupied P&I.",
        "applicationFrequency": "P1M",
        "applicationType": "PERIODIC",
        "calculationFrequency": "P1D",
        "interestPaymentDue": "IN_ARREARS",
        "lendingRateType": "VARIABLE",
        "loanPurpose": "OWNER_OCCUPIED",
        "rate": "0.1004",
        "repaymentType": "PRINCIPAL_AND_INTEREST",
        "tiers": [
          {
            "additionalInfo": "This tier represents LVR greater than 70.00% and up to and including 75.00%.",
            "maximumValue": "0.7500",
            "minimumValue": "0.7001",
            "name": "Full Doc – LVR ≤75% – OO P&I",
            "rateApplicationMethod": "WHOLE_BALANCE",
            "unitOfMeasure": "PERCENT"
          }
        ]
      },
      {
        "additionalInfo": "Full Doc – LVR ≤75% – Owner Occupied IO.",
        "applicationFrequency": "P1M",
        "applicationType": "PERIODIC",
        "calculationFrequency": "P1D",
        "interestPaymentDue": "IN_ARREARS",
        "lendingRateType": "VARIABLE",
        "loanPurpose": "OWNER_OCCUPIED",
        "rate": "0.1024",
        "repaymentType": "INTEREST_ONLY",
        "tiers": [
          {
            "additionalInfo": "This tier represents LVR greater than 70.00% and up to and including 75.00%.",
            "maximumValue": "0.7500",
            "minimumValue": "0.7001",
            "name": "Full Doc – LVR ≤75% – OO IO",
            "rateApplicationMethod": "WHOLE_BALANCE",
            "unitOfMeasure": "PERCENT"
          }
        ]
      },
      {
        "additionalInfo": "Full Doc – LVR ≤75% – Investment P&I.",
        "applicationFrequency": "P1M",
        "applicationType": "PERIODIC",
        "calculationFrequency": "P1D",
        "interestPaymentDue": "IN_ARREARS",
        "lendingRateType": "VARIABLE",
        "loanPurpose": "INVESTMENT",
        "rate": "0.1034",
        "repaymentType": "PRINCIPAL_AND_INTEREST",
        "tiers": [
          {
            "additionalInfo": "This tier represents LVR greater than 70.00% and up to and including 75.00%.",
            "maximumValue": "0.7500",
            "minimumValue": "0.7001",
            "name": "Full Doc – LVR ≤75% – Inv P&I",
            "rateApplicationMethod": "WHOLE_BALANCE",
            "unitOfMeasure": "PERCENT"
          }
        ]
      },
      {
        "additionalInfo": "Full Doc – LVR ≤75% – Investment IO.",
        "applicationFrequency": "P1M",
        "applicationType": "PERIODIC",
        "calculationFrequency": "P1D",
        "interestPaymentDue": "IN_ARREARS",
        "lendingRateType": "VARIABLE",
        "loanPurpose": "INVESTMENT",
        "rate": "0.1054",
        "repaymentType": "INTEREST_ONLY",
        "tiers": [
          {
            "additionalInfo": "This tier represents LVR greater than 70.00% and up to and including 75.00%.",
            "maximumValue": "0.7500",
            "minimumValue": "0.7001",
            "name": "Full Doc – LVR ≤75% – Inv IO",
            "rateApplicationMethod": "WHOLE_BALANCE",
            "unitOfMeasure": "PERCENT"
          }
        ]
      },
      {
        "additionalInfo": "Full Doc – LVR ≤80% – Owner Occupied P&I.",
        "applicationFrequency": "P1M",
        "applicationType": "PERIODIC",
        "calculationFrequency": "P1D",
        "interestPaymentDue": "IN_ARREARS",
        "lendingRateType": "VARIABLE",
        "loanPurpose": "OWNER_OCCUPIED",
        "rate": "0.1014",
        "repaymentType": "PRINCIPAL_AND_INTEREST",
        "tiers": [
          {
            "additionalInfo": "This tier represents LVR greater than 75.00% and up to and including 80.00%.",
            "maximumValue": "0.8000",
            "minimumValue": "0.7501",
            "name": "Full Doc – LVR ≤80% – OO P&I",
            "rateApplicationMethod": "WHOLE_BALANCE",
            "unitOfMeasure": "PERCENT"
          }
        ]
      },
      {
        "additionalInfo": "Full Doc – LVR ≤80% – Owner Occupied IO.",
        "applicationFrequency": "P1M",
        "applicationType": "PERIODIC",
        "calculationFrequency": "P1D",
        "interestPaymentDue": "IN_ARREARS",
        "lendingRateType": "VARIABLE",
        "loanPurpose": "OWNER_OCCUPIED",
        "rate": "0.1034",
        "repaymentType": "INTEREST_ONLY",
        "tiers": [
          {
            "additionalInfo": "This tier represents LVR greater than 75.00% and up to and including 80.00%.",
            "maximumValue": "0.8000",
            "minimumValue": "0.7501",
            "name": "Full Doc – LVR ≤80% – OO IO",
            "rateApplicationMethod": "WHOLE_BALANCE",
            "unitOfMeasure": "PERCENT"
          }
        ]
      },
      {
        "additionalInfo": "Full Doc – LVR ≤80% – Investment P&I.",
        "applicationFrequency": "P1M",
        "applicationType": "PERIODIC",
        "calculationFrequency": "P1D",
        "interestPaymentDue": "IN_ARREARS",
        "lendingRateType": "VARIABLE",
        "loanPurpose": "INVESTMENT",
        "rate": "0.1044",
        "repaymentType": "PRINCIPAL_AND_INTEREST",
        "tiers": [
          {
            "additionalInfo": "This tier represents LVR greater than 75.00% and up to and including 80.00%.",
            "maximumValue": "0.8000",
            "minimumValue": "0.7501",
            "name": "Full Doc – LVR ≤80% – Inv P&I",
            "rateApplicationMethod": "WHOLE_BALANCE",
            "unitOfMeasure": "PERCENT"
          }
        ]
      },
      {
        "additionalInfo": "Full Doc – LVR ≤80% – Investment IO.",
        "applicationFrequency": "P1M",
        "applicationType": "PERIODIC",
        "calculationFrequency": "P1D",
        "interestPaymentDue": "IN_ARREARS",
        "lendingRateType": "VARIABLE",
        "loanPurpose": "INVESTMENT",
        "rate": "0.1064",
        "repaymentType": "INTEREST_ONLY",
        "tiers": [
          {
            "additionalInfo": "This tier represents LVR greater than 75.00% and up to and including 80.00%.",
            "maximumValue": "0.8000",
            "minimumValue": "0.7501",
            "name": "Full Doc – LVR ≤80% – Inv IO",
            "rateApplicationMethod": "WHOLE_BALANCE",
            "unitOfMeasure": "PERCENT"
          }
        ]
      },
      {
        "additionalInfo": "Alt Doc – LVR ≤65% – Owner Occupied P&I.",
        "applicationFrequency": "P1M",
        "applicationType": "PERIODIC",
        "calculationFrequency": "P1D",
        "interestPaymentDue": "IN_ARREARS",
        "lendingRateType": "VARIABLE",
        "loanPurpose": "OWNER_OCCUPIED",
        "rate": "0.1009",
        "repaymentType": "PRINCIPAL_AND_INTEREST",
        "tiers": [
          {
            "additionalInfo": "This tier represents LVR up to and including 65.00%.",
            "maximumValue": "0.6500",
            "minimumValue": "0.0000",
            "name": "Alt Doc – LVR ≤65% – OO P&I",
            "rateApplicationMethod": "WHOLE_BALANCE",
            "unitOfMeasure": "PERCENT"
          }
        ]
      },
      {
        "additionalInfo": "Alt Doc – LVR ≤65% – Owner Occupied IO.",
        "applicationFrequency": "P1M",
        "applicationType": "PERIODIC",
        "calculationFrequency": "P1D",
        "interestPaymentDue": "IN_ARREARS",
        "lendingRateType": "VARIABLE",
        "loanPurpose": "OWNER_OCCUPIED",
        "rate": "0.1029",
        "repaymentType": "INTEREST_ONLY",
        "tiers": [
          {
            "additionalInfo": "This tier represents LVR up to and including 65.00%.",
            "maximumValue": "0.6500",
            "minimumValue": "0.0000",
            "name": "Alt Doc – LVR ≤65% – OO IO",
            "rateApplicationMethod": "WHOLE_BALANCE",
            "unitOfMeasure": "PERCENT"
          }
        ]
      },
      {
        "additionalInfo": "Alt Doc – LVR ≤65% – Investment P&I.",
        "applicationFrequency": "P1M",
        "applicationType": "PERIODIC",
        "calculationFrequency": "P1D",
        "interestPaymentDue": "IN_ARREARS",
        "lendingRateType": "VARIABLE",
        "loanPurpose": "INVESTMENT",
        "rate": "0.1039",
        "repaymentType": "PRINCIPAL_AND_INTEREST",
        "tiers": [
          {
            "additionalInfo": "This tier represents LVR up to and including 65.00%.",
            "maximumValue": "0.6500",
            "minimumValue": "0.0000",
            "name": "Alt Doc – LVR ≤65% – Inv P&I",
            "rateApplicationMethod": "WHOLE_BALANCE",
            "unitOfMeasure": "PERCENT"
          }
        ]
      },
      {
        "additionalInfo": "Alt Doc – LVR ≤65% – Investment IO.",
        "applicationFrequency": "P1M",
        "applicationType": "PERIODIC",
        "calculationFrequency": "P1D",
        "interestPaymentDue": "IN_ARREARS",
        "lendingRateType": "VARIABLE",
        "loanPurpose": "INVESTMENT",
        "rate": "0.1059",
        "repaymentType": "INTEREST_ONLY",
        "tiers": [
          {
            "additionalInfo": "This tier represents LVR up to and including 65.00%.",
            "maximumValue": "0.6500",
            "minimumValue": "0.0000",
            "name": "Alt Doc – LVR ≤65% – Inv IO",
            "rateApplicationMethod": "WHOLE_BALANCE",
            "unitOfMeasure": "PERCENT"
          }
        ]
      },
      {
        "additionalInfo": "Alt Doc – LVR ≤70% – Owner Occupied P&I.",
        "applicationFrequency": "P1M",
        "applicationType": "PERIODIC",
        "calculationFrequency": "P1D",
        "interestPaymentDue": "IN_ARREARS",
        "lendingRateType": "VARIABLE",
        "loanPurpose": "OWNER_OCCUPIED",
        "rate": "0.1029",
        "repaymentType": "PRINCIPAL_AND_INTEREST",
        "tiers": [
          {
            "additionalInfo": "This tier represents LVR greater than 65.00% and up to and including 70.00%.",
            "maximumValue": "0.7000",
            "minimumValue": "0.6501",
            "name": "Alt Doc – LVR ≤70% – OO P&I",
            "rateApplicationMethod": "WHOLE_BALANCE",
            "unitOfMeasure": "PERCENT"
          }
        ]
      },
      {
        "additionalInfo": "Alt Doc – LVR ≤70% – Owner Occupied IO.",
        "applicationFrequency": "P1M",
        "applicationType": "PERIODIC",
        "calculationFrequency": "P1D",
        "interestPaymentDue": "IN_ARREARS",
        "lendingRateType": "VARIABLE",
        "loanPurpose": "OWNER_OCCUPIED",
        "rate": "0.1049",
        "repaymentType": "INTEREST_ONLY",
        "tiers": [
          {
            "additionalInfo": "This tier represents LVR greater than 65.00% and up to and including 70.00%.",
            "maximumValue": "0.7000",
            "minimumValue": "0.6501",
            "name": "Alt Doc – LVR ≤70% – OO IO",
            "rateApplicationMethod": "WHOLE_BALANCE",
            "unitOfMeasure": "PERCENT"
          }
        ]
      },
      {
        "additionalInfo": "Alt Doc – LVR ≤70% – Investment P&I.",
        "applicationFrequency": "P1M",
        "applicationType": "PERIODIC",
        "calculationFrequency": "P1D",
        "interestPaymentDue": "IN_ARREARS",
        "lendingRateType": "VARIABLE",
        "loanPurpose": "INVESTMENT",
        "rate": "0.1059",
        "repaymentType": "PRINCIPAL_AND_INTEREST",
        "tiers": [
          {
            "additionalInfo": "This tier represents LVR greater than 65.00% and up to and including 70.00%.",
            "maximumValue": "0.7000",
            "minimumValue": "0.6501",
            "name": "Alt Doc – LVR ≤70% – Inv P&I",
            "rateApplicationMethod": "WHOLE_BALANCE",
            "unitOfMeasure": "PERCENT"
          }
        ]
      },
      {
        "additionalInfo": "Alt Doc – LVR ≤70% – Investment IO.",
        "applicationFrequency": "P1M",
        "applicationType": "PERIODIC",
        "calculationFrequency": "P1D",
        "interestPaymentDue": "IN_ARREARS",
        "lendingRateType": "VARIABLE",
        "loanPurpose": "INVESTMENT",
        "rate": "0.1079",
        "repaymentType": "INTEREST_ONLY",
        "tiers": [
          {
            "additionalInfo": "This tier represents LVR greater than 65.00% and up to and including 70.00%.",
            "maximumValue": "0.7000",
            "minimumValue": "0.6501",
            "name": "Alt Doc – LVR ≤70% – Inv IO",
            "rateApplicationMethod": "WHOLE_BALANCE",
            "unitOfMeasure": "PERCENT"
          }
        ]
      },
      {
        "additionalInfo": "Alt Doc – LVR ≤75% – Owner Occupied P&I.",
        "applicationFrequency": "P1M",
        "applicationType": "PERIODIC",
        "calculationFrequency": "P1D",
        "interestPaymentDue": "IN_ARREARS",
        "lendingRateType": "VARIABLE",
        "loanPurpose": "OWNER_OCCUPIED",
        "rate": "0.1039",
        "repaymentType": "PRINCIPAL_AND_INTEREST",
        "tiers": [
          {
            "additionalInfo": "This tier represents LVR greater than 70.00% and up to and including 75.00%.",
            "maximumValue": "0.7500",
            "minimumValue": "0.7001",
            "name": "Alt Doc – LVR ≤75% – OO P&I",
            "rateApplicationMethod": "WHOLE_BALANCE",
            "unitOfMeasure": "PERCENT"
          }
        ]
      },
      {
        "additionalInfo": "Alt Doc – LVR ≤75% – Owner Occupied IO.",
        "applicationFrequency": "P1M",
        "applicationType": "PERIODIC",
        "calculationFrequency": "P1D",
        "interestPaymentDue": "IN_ARREARS",
        "lendingRateType": "VARIABLE",
        "loanPurpose": "OWNER_OCCUPIED",
        "rate": "0.1059",
        "repaymentType": "INTEREST_ONLY",
        "tiers": [
          {
            "additionalInfo": "This tier represents LVR greater than 70.00% and up to and including 75.00%.",
            "maximumValue": "0.7500",
            "minimumValue": "0.7001",
            "name": "Alt Doc – LVR ≤75% – OO IO",
            "rateApplicationMethod": "WHOLE_BALANCE",
            "unitOfMeasure": "PERCENT"
          }
        ]
      },
      {
        "additionalInfo": "Alt Doc – LVR ≤75% – Investment P&I.",
        "applicationFrequency": "P1M",
        "applicationType": "PERIODIC",
        "calculationFrequency": "P1D",
        "interestPaymentDue": "IN_ARREARS",
        "lendingRateType": "VARIABLE",
        "loanPurpose": "INVESTMENT",
        "rate": "0.1069",
        "repaymentType": "PRINCIPAL_AND_INTEREST",
        "tiers": [
          {
            "additionalInfo": "This tier represents LVR greater than 70.00% and up to and including 75.00%.",
            "maximumValue": "0.7500",
            "minimumValue": "0.7001",
            "name": "Alt Doc – LVR ≤75% – Inv P&I",
            "rateApplicationMethod": "WHOLE_BALANCE",
            "unitOfMeasure": "PERCENT"
          }
        ]
      },
      {
        "additionalInfo": "Alt Doc – LVR ≤75% – Investment IO.",
        "applicationFrequency": "P1M",
        "applicationType": "PERIODIC",
        "calculationFrequency": "P1D",
        "interestPaymentDue": "IN_ARREARS",
        "lendingRateType": "VARIABLE",
        "loanPurpose": "INVESTMENT",
        "rate": "0.1089",
        "repaymentType": "INTEREST_ONLY",
        "tiers": [
          {
            "additionalInfo": "This tier represents LVR greater than 70.00% and up to and including 75.00%.",
            "maximumValue": "0.7500",
            "minimumValue": "0.7001",
            "name": "Alt Doc – LVR ≤75% – Inv IO",
            "rateApplicationMethod": "WHOLE_BALANCE",
            "unitOfMeasure": "PERCENT"
          }
        ]
      },
      {
        "additionalInfo": "Alt Doc – LVR ≤80% – Owner Occupied P&I.",
        "applicationFrequency": "P1M",
        "applicationType": "PERIODIC",
        "calculationFrequency": "P1D",
        "interestPaymentDue": "IN_ARREARS",
        "lendingRateType": "VARIABLE",
        "loanPurpose": "OWNER_OCCUPIED",
        "rate": "0.1049",
        "repaymentType": "PRINCIPAL_AND_INTEREST",
        "tiers": [
          {
            "additionalInfo": "This tier represents LVR greater than 75.00% and up to and including 80.00%.",
            "maximumValue": "0.8000",
            "minimumValue": "0.7501",
            "name": "Alt Doc – LVR ≤80% – OO P&I",
            "rateApplicationMethod": "WHOLE_BALANCE",
            "unitOfMeasure": "PERCENT"
          }
        ]
      },
      {
        "additionalInfo": "Alt Doc – LVR ≤80% – Owner Occupied IO.",
        "applicationFrequency": "P1M",
        "applicationType": "PERIODIC",
        "calculationFrequency": "P1D",
        "interestPaymentDue": "IN_ARREARS",
        "lendingRateType": "VARIABLE",
        "loanPurpose": "OWNER_OCCUPIED",
        "rate": "0.1069",
        "repaymentType": "INTEREST_ONLY",
        "tiers": [
          {
            "additionalInfo": "This tier represents LVR greater than 75.00% and up to and including 80.00%.",
            "maximumValue": "0.8000",
            "minimumValue": "0.7501",
            "name": "Alt Doc – LVR ≤80% – OO IO",
            "rateApplicationMethod": "WHOLE_BALANCE",
            "unitOfMeasure": "PERCENT"
          }
        ]
      },
      {
        "additionalInfo": "Alt Doc – LVR ≤80% – Investment P&I.",
        "applicationFrequency": "P1M",
        "applicationType": "PERIODIC",
        "calculationFrequency": "P1D",
        "interestPaymentDue": "IN_ARREARS",
        "lendingRateType": "VARIABLE",
        "loanPurpose": "INVESTMENT",
        "rate": "0.1079",
        "repaymentType": "PRINCIPAL_AND_INTEREST",
        "tiers": [
          {
            "additionalInfo": "This tier represents LVR greater than 75.00% and up to and including 80.00%.",
            "maximumValue": "0.8000",
            "minimumValue": "0.7501",
            "name": "Alt Doc – LVR ≤80% – Inv P&I",
            "rateApplicationMethod": "WHOLE_BALANCE",
            "unitOfMeasure": "PERCENT"
          }
        ]
      },
      {
        "additionalInfo": "Alt Doc – LVR ≤80% – Investment IO.",
        "applicationFrequency": "P1M",
        "applicationType": "PERIODIC",
        "calculationFrequency": "P1D",
        "interestPaymentDue": "IN_ARREARS",
        "lendingRateType": "VARIABLE",
        "loanPurpose": "INVESTMENT",
        "rate": "0.1099",
        "repaymentType": "INTEREST_ONLY",
        "tiers": [
          {
            "additionalInfo": "This tier represents LVR greater than 75.00% and up to and including 80.00%.",
            "maximumValue": "0.8000",
            "minimumValue": "0.7501",
            "name": "Alt Doc – LVR ≤80% – Inv IO",
            "rateApplicationMethod": "WHOLE_BALANCE",
            "unitOfMeasure": "PERCENT"
          }
        ]
      }
    ],
    "name": "Residential Home Loan – Specialist (≤$2m)",
    "productCategory": "RESIDENTIAL_MORTGAGES",
    "productId": "06b13ead-da6b-461e-9bcd-51d2f88ed581"
  }
}