{
  "source": "https://public.cdr.mamoney.com.au/cds-au/v1/banking/products/2cb68e3e-94cb-479b-9df1-b28cdefd03b9",
  "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 postcode category.",
        "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 Near Prime Expat loan. Sizes $100k–$2m. Full Doc only. Max LVR 80%. Term 5–30 years. Vacant land security up to 75% LVR attracts a +1.00% rate loading and 1.25% risk fee.",
    "eligibility": [
      {
        "additionalInfo": "Australian citizens or Australian Permanent Resident Visa holders living overseas, or living in Australia and earning income in an overseas currency.",
        "additionalValue": "EXPAT_AUSTRALIAN",
        "eligibilityType": "RESIDENCY_STATUS"
      },
      {
        "additionalInfo": "Eligible countries: Canada, China, Finland, France, Germany, Hong Kong, Italy, Japan, New Zealand, Norway, Qatar (PAYG income only), Saudi Arabia (PAYG income only), Singapore, Spain, Sweden, United Kingdom, United Arab Emirates (PAYG income only), United States of America. Eligibility for other countries may be considered on application.",
        "eligibilityType": "OTHER"
      },
      {
        "additionalInfo": "Accommodates borrowers with some credit history impairment. Limited defaults and arrears may be accepted. See MA Money's Rate and Product Guide at mamoney.com.au for full criteria.",
        "eligibilityType": "OTHER"
      },
      {
        "additionalInfo": "Loan term 5–30 years. Maximum IO term 5 years.",
        "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. Category 1: 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": "Residential securities in Australia, subject to policy restrictions. Vacant land security may be accepted up to 75% LVR and attracts a +1.00% rate loading and 1.25% risk fee. Completed residential or rural residential property: 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 required. Income verified through recent payslips and/or tax returns. See MA Money's Rate and Product Guide at mamoney.com.au for full documentation requirements.",
        "eligibilityType": "OTHER"
      }
    ],
    "features": [
      {
        "additionalInfo": "Up to 4 offset accounts per loan. 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": "Internet banking, direct debits and direct credits.",
        "featureType": "DIGITAL_BANKING"
      },
      {
        "additionalInfo": "Full Doc only. No Alt Doc option available for Expat loans.",
        "featureType": "OTHER"
      },
      {
        "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"
      },
      {
        "additionalInfo": "Vacant land security available up to 75% LVR. A +1.00% rate loading applies and the vacant land risk fee is 1.25%.",
        "featureType": "OTHER"
      }
    ],
    "fees": [
      {
        "additionalInfo": "Full Doc application fee. Expat loans are Full Doc only. Excludes GST.",
        "currency": "AUD",
        "feeMethodUType": "fixedAmount",
        "feeType": "UPFRONT",
        "fixedAmount": {
          "amount": "899.00"
        },
        "name": "Application Fee"
      },
      {
        "additionalInfo": "No annual fee. Excludes GST.",
        "additionalValue": "P1Y",
        "currency": "AUD",
        "feeMethodUType": "fixedAmount",
        "feeType": "PERIODIC",
        "fixedAmount": {
          "amount": "0.00"
        },
        "name": "Annual 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": "Residential security: risk fee 1.25% of loan amount. Vacant land security (up to 75% LVR): risk fee 1.25% of loan amount. Excludes GST.",
        "currency": "AUD",
        "feeMethodUType": "rateBased",
        "feeType": "UPFRONT",
        "name": "Risk Fee",
        "rateBased": {
          "rate": "0.0125",
          "rateType": "BALANCE"
        }
      }
    ],
    "isTailored": false,
    "lastUpdated": "2026-07-13T02:54:11Z",
    "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": "0.0774",
        "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": "0.0794",
        "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": "0.0804",
        "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": "0.0824",
        "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": "0.0784",
        "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": "0.0804",
        "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": "0.0814",
        "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": "0.0834",
        "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": "0.0794",
        "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": "0.0814",
        "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": "0.0824",
        "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": "0.0844",
        "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": "0.0804",
        "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": "0.0824",
        "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": "0.0834",
        "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": "0.0854",
        "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": "Full Doc – LVR ≤65% – Owner Occupied P&I. Vacant land security up to 75% LVR; vacant land loading +1.00% applies.",
        "applicabilityConditions": [
          {
            "additionalInfo": "Applies where the security is vacant land. Vacant land loading +1.00% applies up to 75% LVR.",
            "rateApplicabilityType": "OTHER"
          }
        ],
        "applicationFrequency": "P1M",
        "applicationType": "PERIODIC",
        "calculationFrequency": "P1D",
        "interestPaymentDue": "IN_ARREARS",
        "lendingRateType": "VARIABLE",
        "loanPurpose": "OWNER_OCCUPIED",
        "rate": "0.0874",
        "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 Vacant Land – LVR ≤65% – OO P&I",
            "rateApplicationMethod": "WHOLE_BALANCE",
            "unitOfMeasure": "PERCENT"
          }
        ]
      },
      {
        "additionalInfo": "Full Doc – LVR ≤65% – Owner Occupied IO. Vacant land security up to 75% LVR; vacant land loading +1.00% applies.",
        "applicabilityConditions": [
          {
            "additionalInfo": "Applies where the security is vacant land. Vacant land loading +1.00% applies up to 75% LVR.",
            "rateApplicabilityType": "OTHER"
          }
        ],
        "applicationFrequency": "P1M",
        "applicationType": "PERIODIC",
        "calculationFrequency": "P1D",
        "interestPaymentDue": "IN_ARREARS",
        "lendingRateType": "VARIABLE",
        "loanPurpose": "OWNER_OCCUPIED",
        "rate": "0.0894",
        "repaymentType": "INTEREST_ONLY",
        "tiers": [
          {
            "additionalInfo": "This tier represents LVR up to and including 65.00%.",
            "maximumValue": "0.6500",
            "minimumValue": "0.0000",
            "name": "Full Doc Vacant Land – LVR ≤65% – OO IO",
            "rateApplicationMethod": "WHOLE_BALANCE",
            "unitOfMeasure": "PERCENT"
          }
        ]
      },
      {
        "additionalInfo": "Full Doc – LVR ≤65% – Investment P&I. Vacant land security up to 75% LVR; vacant land loading +1.00% applies.",
        "applicabilityConditions": [
          {
            "additionalInfo": "Applies where the security is vacant land. Vacant land loading +1.00% applies up to 75% LVR.",
            "rateApplicabilityType": "OTHER"
          }
        ],
        "applicationFrequency": "P1M",
        "applicationType": "PERIODIC",
        "calculationFrequency": "P1D",
        "interestPaymentDue": "IN_ARREARS",
        "lendingRateType": "VARIABLE",
        "loanPurpose": "INVESTMENT",
        "rate": "0.0904",
        "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 Vacant Land – LVR ≤65% – Inv P&I",
            "rateApplicationMethod": "WHOLE_BALANCE",
            "unitOfMeasure": "PERCENT"
          }
        ]
      },
      {
        "additionalInfo": "Full Doc – LVR ≤65% – Investment IO. Vacant land security up to 75% LVR; vacant land loading +1.00% applies.",
        "applicabilityConditions": [
          {
            "additionalInfo": "Applies where the security is vacant land. Vacant land loading +1.00% applies up to 75% LVR.",
            "rateApplicabilityType": "OTHER"
          }
        ],
        "applicationFrequency": "P1M",
        "applicationType": "PERIODIC",
        "calculationFrequency": "P1D",
        "interestPaymentDue": "IN_ARREARS",
        "lendingRateType": "VARIABLE",
        "loanPurpose": "INVESTMENT",
        "rate": "0.0924",
        "repaymentType": "INTEREST_ONLY",
        "tiers": [
          {
            "additionalInfo": "This tier represents LVR up to and including 65.00%.",
            "maximumValue": "0.6500",
            "minimumValue": "0.0000",
            "name": "Full Doc Vacant Land – LVR ≤65% – Inv IO",
            "rateApplicationMethod": "WHOLE_BALANCE",
            "unitOfMeasure": "PERCENT"
          }
        ]
      },
      {
        "additionalInfo": "Full Doc – LVR ≤70% – Owner Occupied P&I. Vacant land security up to 75% LVR; vacant land loading +1.00% applies.",
        "applicabilityConditions": [
          {
            "additionalInfo": "Applies where the security is vacant land. Vacant land loading +1.00% applies up to 75% LVR.",
            "rateApplicabilityType": "OTHER"
          }
        ],
        "applicationFrequency": "P1M",
        "applicationType": "PERIODIC",
        "calculationFrequency": "P1D",
        "interestPaymentDue": "IN_ARREARS",
        "lendingRateType": "VARIABLE",
        "loanPurpose": "OWNER_OCCUPIED",
        "rate": "0.0884",
        "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 Vacant Land – LVR ≤70% – OO P&I",
            "rateApplicationMethod": "WHOLE_BALANCE",
            "unitOfMeasure": "PERCENT"
          }
        ]
      },
      {
        "additionalInfo": "Full Doc – LVR ≤70% – Owner Occupied IO. Vacant land security up to 75% LVR; vacant land loading +1.00% applies.",
        "applicabilityConditions": [
          {
            "additionalInfo": "Applies where the security is vacant land. Vacant land loading +1.00% applies up to 75% LVR.",
            "rateApplicabilityType": "OTHER"
          }
        ],
        "applicationFrequency": "P1M",
        "applicationType": "PERIODIC",
        "calculationFrequency": "P1D",
        "interestPaymentDue": "IN_ARREARS",
        "lendingRateType": "VARIABLE",
        "loanPurpose": "OWNER_OCCUPIED",
        "rate": "0.0904",
        "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 Vacant Land – LVR ≤70% – OO IO",
            "rateApplicationMethod": "WHOLE_BALANCE",
            "unitOfMeasure": "PERCENT"
          }
        ]
      },
      {
        "additionalInfo": "Full Doc – LVR ≤70% – Investment P&I. Vacant land security up to 75% LVR; vacant land loading +1.00% applies.",
        "applicabilityConditions": [
          {
            "additionalInfo": "Applies where the security is vacant land. Vacant land loading +1.00% applies up to 75% LVR.",
            "rateApplicabilityType": "OTHER"
          }
        ],
        "applicationFrequency": "P1M",
        "applicationType": "PERIODIC",
        "calculationFrequency": "P1D",
        "interestPaymentDue": "IN_ARREARS",
        "lendingRateType": "VARIABLE",
        "loanPurpose": "INVESTMENT",
        "rate": "0.0914",
        "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 Vacant Land – LVR ≤70% – Inv P&I",
            "rateApplicationMethod": "WHOLE_BALANCE",
            "unitOfMeasure": "PERCENT"
          }
        ]
      },
      {
        "additionalInfo": "Full Doc – LVR ≤70% – Investment IO. Vacant land security up to 75% LVR; vacant land loading +1.00% applies.",
        "applicabilityConditions": [
          {
            "additionalInfo": "Applies where the security is vacant land. Vacant land loading +1.00% applies up to 75% LVR.",
            "rateApplicabilityType": "OTHER"
          }
        ],
        "applicationFrequency": "P1M",
        "applicationType": "PERIODIC",
        "calculationFrequency": "P1D",
        "interestPaymentDue": "IN_ARREARS",
        "lendingRateType": "VARIABLE",
        "loanPurpose": "INVESTMENT",
        "rate": "0.0934",
        "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 Vacant Land – LVR ≤70% – Inv IO",
            "rateApplicationMethod": "WHOLE_BALANCE",
            "unitOfMeasure": "PERCENT"
          }
        ]
      },
      {
        "additionalInfo": "Full Doc – LVR ≤75% – Owner Occupied P&I. Vacant land security up to 75% LVR; vacant land loading +1.00% applies.",
        "applicabilityConditions": [
          {
            "additionalInfo": "Applies where the security is vacant land. Vacant land loading +1.00% applies up to 75% LVR.",
            "rateApplicabilityType": "OTHER"
          }
        ],
        "applicationFrequency": "P1M",
        "applicationType": "PERIODIC",
        "calculationFrequency": "P1D",
        "interestPaymentDue": "IN_ARREARS",
        "lendingRateType": "VARIABLE",
        "loanPurpose": "OWNER_OCCUPIED",
        "rate": "0.0894",
        "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 Vacant Land – LVR ≤75% – OO P&I",
            "rateApplicationMethod": "WHOLE_BALANCE",
            "unitOfMeasure": "PERCENT"
          }
        ]
      },
      {
        "additionalInfo": "Full Doc – LVR ≤75% – Owner Occupied IO. Vacant land security up to 75% LVR; vacant land loading +1.00% applies.",
        "applicabilityConditions": [
          {
            "additionalInfo": "Applies where the security is vacant land. Vacant land loading +1.00% applies up to 75% LVR.",
            "rateApplicabilityType": "OTHER"
          }
        ],
        "applicationFrequency": "P1M",
        "applicationType": "PERIODIC",
        "calculationFrequency": "P1D",
        "interestPaymentDue": "IN_ARREARS",
        "lendingRateType": "VARIABLE",
        "loanPurpose": "OWNER_OCCUPIED",
        "rate": "0.0914",
        "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 Vacant Land – LVR ≤75% – OO IO",
            "rateApplicationMethod": "WHOLE_BALANCE",
            "unitOfMeasure": "PERCENT"
          }
        ]
      },
      {
        "additionalInfo": "Full Doc – LVR ≤75% – Investment P&I. Vacant land security up to 75% LVR; vacant land loading +1.00% applies.",
        "applicabilityConditions": [
          {
            "additionalInfo": "Applies where the security is vacant land. Vacant land loading +1.00% applies up to 75% LVR.",
            "rateApplicabilityType": "OTHER"
          }
        ],
        "applicationFrequency": "P1M",
        "applicationType": "PERIODIC",
        "calculationFrequency": "P1D",
        "interestPaymentDue": "IN_ARREARS",
        "lendingRateType": "VARIABLE",
        "loanPurpose": "INVESTMENT",
        "rate": "0.0924",
        "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 Vacant Land – LVR ≤75% – Inv P&I",
            "rateApplicationMethod": "WHOLE_BALANCE",
            "unitOfMeasure": "PERCENT"
          }
        ]
      },
      {
        "additionalInfo": "Full Doc – LVR ≤75% – Investment IO. Vacant land security up to 75% LVR; vacant land loading +1.00% applies.",
        "applicabilityConditions": [
          {
            "additionalInfo": "Applies where the security is vacant land. Vacant land loading +1.00% applies up to 75% LVR.",
            "rateApplicabilityType": "OTHER"
          }
        ],
        "applicationFrequency": "P1M",
        "applicationType": "PERIODIC",
        "calculationFrequency": "P1D",
        "interestPaymentDue": "IN_ARREARS",
        "lendingRateType": "VARIABLE",
        "loanPurpose": "INVESTMENT",
        "rate": "0.0944",
        "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 Vacant Land – LVR ≤75% – Inv IO",
            "rateApplicationMethod": "WHOLE_BALANCE",
            "unitOfMeasure": "PERCENT"
          }
        ]
      }
    ],
    "name": "Expat Home Loan – Near Prime (≤$2m)",
    "productCategory": "RESIDENTIAL_MORTGAGES",
    "productId": "2cb68e3e-94cb-479b-9df1-b28cdefd03b9"
  }
}