{ "source": "https://api.moc.openbanking.prod.peppermoney.com.au/cds-au/v1/banking/products/MOC02021", "note": "Product Reference Data published by the data holder under the Consumer Data Right, as cached by this site (refreshed every 6 hours).", "data": { "productId": "MOC02021", "lastUpdated": "2026-07-10T02:09:14Z", "productCategory": "RESIDENTIAL_MORTGAGES", "name": "Non-Conforming Home Loan - Ignite Near Prime Clear Full Doc", "description": "We understand that everyone’s real-life situation is different. We look at more than just your credit score, which is why we may be able to help when others can’t. Our variable rate home loan options give you the flexibility to manage your money how and when you want. You’ll get access to our online loan portal, the freedom to make additional repayments along with the option for a 100% interest offset sub-account and VISA debit card+ access (monthly fees apply).", "brand": "Mortgage Choice Ignite", "brandName": "Mortgage Choice Ignite", "isTailored": false, "additionalInformation": {}, "features": [ { "featureType": "OFFSET", "additionalInfo": "100% Interest Offset sub-account. Manage loan interest charged with an Offset sub-account." }, { "featureType": "REDRAW", "additionalInfo": "Redraw Facility (minimum redraw amounts apply). Make additional repayments and redraw at any time." }, { "featureType": "CARD_ACCESS", "additionalValue": "Visa Debit Card (including payWave). Access additional advances with a Visa Debit Card." }, { "featureType": "EXTRA_REPAYMENTS", "additionalInfo": "Additional repayments. Make extra repayments at any time, subject to terms and conditions." }, { "featureType": "OTHER", "additionalInfo": "Flexible Loan Terms. 10-40 year loan terms are available (maximum 30 years for Interest Only)." }, { "featureType": "DIGITAL_BANKING", "additionalInfo": "Provides borrowers online access to view and manage loan accounts." }, { "featureType": "OTHER", "additionalInfo": "Repayment option - choose between variable and interest only (max 5 years) repayments." } ], "constraints": [ { "constraintType": "MIN_LIMIT", "additionalValue": "50000.00" } ], "eligibility": [ { "eligibilityType": "MIN_AGE", "additionalValue": "18", "additionalInfo": "Individual borrower must be 18 years + to enter into a contract." }, { "eligibilityType": "RESIDENCY_STATUS", "additionalValue": "Only available to Australian Citizens or Permanent Residents." }, { "eligibilityType": "OTHER", "additionalInfo": "All applications are subject to credit assessment and eligibility criteria." } ], "fees": [ { "name": "Non-Conforming Establishment Fee", "feeType": "UPFRONT", "feeMethodUType": "fixedAmount", "fixedAmount": { "amount": "995.00" }, "currency": "AUD", "additionalInfo": "Charged once at loan establishment for non-conforming residential mortgage applications." }, { "name": "Non-Conforming Admin Fee", "feeType": "PERIODIC", "feeMethodUType": "fixedAmount", "fixedAmount": { "amount": "15.00" }, "currency": "AUD", "additionalValue": "P1M", "additionalInfo": "Charged monthly per account split for ongoing administration of the loan." }, { "name": "Legal Fee", "feeType": "UPFRONT", "feeMethodUType": "fixedAmount", "fixedAmount": { "amount": "330.00" }, "currency": "AUD", "additionalInfo": "Covers standard legal costs incurred at loan establishment." }, { "name": "Legal Disbursements", "feeType": "UPFRONT", "feeMethodUType": "variable", "variable": {}, "currency": "AUD", "additionalInfo": "Third-party legal costs such as searches and registrations, charged at cost." }, { "name": "Discharge Fee", "feeType": "EXIT", "feeMethodUType": "fixedAmount", "fixedAmount": { "amount": "500.00" }, "currency": "AUD", "additionalInfo": "Charged per plan when the loan is fully discharged." }, { "name": "Fixed Rate Lock Fee", "feeType": "UPFRONT", "feeMethodUType": "rateBased", "rateBased": { "rateType": "BALANCE", "rate": "0.0015", "amountRange": { "feeMinimum": "750.00" } }, "currency": "AUD", "additionalInfo": "Applies to fixed rates only if Rate Lock option is requested." }, { "name": "Valuation Fee", "feeType": "UPFRONT", "feeMethodUType": "variable", "variable": {}, "currency": "AUD", "additionalInfo": "One standard valuation included." }, { "name": "Risk Fee", "feeType": "UPFRONT", "feeMethodUType": "variable", "variable": {}, "currency": "AUD", "additionalInfo": "Risk Fee may be payable depending on loan amount and LVR." } ], "lendingRates": [ { "rate": "0.0724", "calculationFrequency": "P1D", "applicationType": "PERIODIC", "applicationFrequency": "P1M", "tiers": [ { "name": "Up to 55", "unitOfMeasure": "PERCENT", "minimumValue": "0.0000", "maximumValue": "0.5500", "rateApplicationMethod": "WHOLE_BALANCE" } ], "lendingRateType": "VARIABLE", "comparisonRate": "0.0750", "interestPaymentDue": "IN_ARREARS", "repaymentType": "PRINCIPAL_AND_INTEREST", "loanPurpose": "OWNER_OCCUPIED" }, { "rate": "0.0754", "calculationFrequency": "P1D", "applicationType": "PERIODIC", "applicationFrequency": "P1M", "tiers": [ { "name": "Up to 55", "unitOfMeasure": "PERCENT", "minimumValue": "0.0000", "maximumValue": "0.5500", "rateApplicationMethod": "WHOLE_BALANCE" } ], "lendingRateType": "VARIABLE", "comparisonRate": "0.0762", "interestPaymentDue": "IN_ARREARS", "repaymentType": "INTEREST_ONLY", "loanPurpose": "OWNER_OCCUPIED" }, { "rate": "0.0759", "calculationFrequency": "P1D", "applicationType": "PERIODIC", "applicationFrequency": "P1M", "tiers": [ { "name": "Up to 55", "unitOfMeasure": "PERCENT", "minimumValue": "0.0000", "maximumValue": "0.5500", "rateApplicationMethod": "WHOLE_BALANCE" } ], "lendingRateType": "VARIABLE", "comparisonRate": "0.0785", "interestPaymentDue": "IN_ARREARS", "repaymentType": "PRINCIPAL_AND_INTEREST", "loanPurpose": "INVESTMENT" }, { "rate": "0.0789", "calculationFrequency": "P1D", "applicationType": "PERIODIC", "applicationFrequency": "P1M", "tiers": [ { "name": "Up to 55", "unitOfMeasure": "PERCENT", "minimumValue": "0.0000", "maximumValue": "0.5500", "rateApplicationMethod": "WHOLE_BALANCE" } ], "lendingRateType": "VARIABLE", "comparisonRate": "0.0797", "interestPaymentDue": "IN_ARREARS", "repaymentType": "INTEREST_ONLY", "loanPurpose": "INVESTMENT" }, { "rate": "0.0724", "calculationFrequency": "P1D", "applicationType": "PERIODIC", "applicationFrequency": "P1M", "tiers": [ { "name": ">55 - 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