{
  "source": "https://api.moc.openbanking.prod.peppermoney.com.au/cds-au/v1/banking/products/MOC02051",
  "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": "MOC02051",
    "lastUpdated": "2026-07-10T02:08:22Z",
    "productCategory": "RESIDENTIAL_MORTGAGES",
    "name": "Non-Conforming Home Loan - Ignite Assist Plus 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": "Title Protection fee",
        "feeType": "UPFRONT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "400.00"
        },
        "currency": "AUD",
        "additionalInfo": "Applicable where title protection is requested or required."
      },
      {
        "name": "Risk Fee",
        "feeType": "UPFRONT",
        "feeMethodUType": "variable",
        "variable": {},
        "currency": "AUD",
        "additionalInfo": "Risk Fee may be payable depending on loan amount and LVR."
      }
    ],
    "lendingRates": [
      {
        "rate": "0.0974",
        "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": "0.1004",
        "interestPaymentDue": "IN_ARREARS",
        "repaymentType": "PRINCIPAL_AND_INTEREST",
        "loanPurpose": "OWNER_OCCUPIED"
      },
      {
        "rate": "0.1004",
        "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": "0.1017",
        "interestPaymentDue": "IN_ARREARS",
        "repaymentType": "INTEREST_ONLY",
        "loanPurpose": "OWNER_OCCUPIED"
      },
      {
        "rate": "0.1009",
        "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": "0.1039",
        "interestPaymentDue": "IN_ARREARS",
        "repaymentType": "PRINCIPAL_AND_INTEREST",
        "loanPurpose": "INVESTMENT"
      },
      {
        "rate": "0.1039",
        "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": "0.1052",
        "interestPaymentDue": "IN_ARREARS",
        "repaymentType": "INTEREST_ONLY",
        "loanPurpose": "INVESTMENT"
      },
      {
        "rate": "0.0974",
        "calculationFrequency": "P1D",
        "applicationType": "PERIODIC",
        "applicationFrequency": "P1M",
        "tiers": [
          {
            "name": ">55 - 65",
            "unitOfMeasure": "PERCENT",
            "minimumValue": "0.5501",
            "maximumValue": "0.6500",
            "rateApplicationMethod": "WHOLE_BALANCE"
          }
        ],
        "lendingRateType": "VARIABLE",
        "comparisonRate": "0.1004",
        "interestPaymentDue": "IN_ARREARS",
        "repaymentType": "PRINCIPAL_AND_INTEREST",
        "loanPurpose": "OWNER_OCCUPIED"
      },
      {
        "rate": "0.1004",
        "calculationFrequency": "P1D",
        "applicationType": "PERIODIC",
        "applicationFrequency": "P1M",
        "tiers": [
          {
            "name": ">55 - 65",
            "unitOfMeasure": "PERCENT",
            "minimumValue": "0.5501",
            "maximumValue": "0.6500",
            "rateApplicationMethod": "WHOLE_BALANCE"
          }
        ],
        "lendingRateType": "VARIABLE",
        "comparisonRate": "0.1017",
        "interestPaymentDue": "IN_ARREARS",
        "repaymentType": "INTEREST_ONLY",
        "loanPurpose": "OWNER_OCCUPIED"
      },
      {
        "rate": "0.1009",
        "calculationFrequency": "P1D",
        "applicationType": "PERIODIC",
        "applicationFrequency": "P1M",
        "tiers": [
          {
            "name": ">55 - 65",
            "unitOfMeasure": "PERCENT",
            "minimumValue": "0.5501",
            "maximumValue": "0.6500",
            "rateApplicationMethod": "WHOLE_BALANCE"
          }
        ],
        "lendingRateType": "VARIABLE",
        "comparisonRate": "0.1039",
        "interestPaymentDue": "IN_ARREARS",
        "repaymentType": "PRINCIPAL_AND_INTEREST",
        "loanPurpose": "INVESTMENT"
      },
      {
        "rate": "0.1039",
        "calculationFrequency": "P1D",
        "applicationType": "PERIODIC",
        "applicationFrequency": "P1M",
        "tiers": [
          {
            "name": ">55 - 65",
            "unitOfMeasure": "PERCENT",
            "minimumValue": "0.5501",
            "maximumValue": "0.6500",
            "rateApplicationMethod": "WHOLE_BALANCE"
          }
        ],
        "lendingRateType": "VARIABLE",
        "comparisonRate": "0.1052",
        "interestPaymentDue": "IN_ARREARS",
        "repaymentType": "INTEREST_ONLY",
        "loanPurpose": "INVESTMENT"
      },
      {
        "rate": "0.0984",
        "calculationFrequency": "P1D",
        "applicationType": "PERIODIC",
        "applicationFrequency": "P1M",
        "tiers": [
          {
            "name": ">65 - 70",
            "unitOfMeasure": "PERCENT",
            "minimumValue": "0.6501",
            "maximumValue": "0.7000",
            "rateApplicationMethod": "WHOLE_BALANCE"
          }
        ],
        "lendingRateType": "VARIABLE",
        "comparisonRate": "0.1013",
        "interestPaymentDue": "IN_ARREARS",
        "repaymentType": "PRINCIPAL_AND_INTEREST",
        "loanPurpose": "OWNER_OCCUPIED"
      },
      {
        "rate": "0.1014",
        "calculationFrequency": "P1D",
        "applicationType": "PERIODIC",
        "applicationFrequency": "P1M",
        "tiers": [
          {
            "name": ">65 - 70",
            "unitOfMeasure": "PERCENT",
            "minimumValue": "0.6501",
            "maximumValue": "0.7000",
            "rateApplicationMethod": "WHOLE_BALANCE"
          }
        ],
        "lendingRateType": "VARIABLE",
        "comparisonRate": "0.1027",
        "interestPaymentDue": "IN_ARREARS",
        "repaymentType": "INTEREST_ONLY",
        "loanPurpose": "OWNER_OCCUPIED"
      },
      {
        "rate": "0.1019",
        "calculationFrequency": "P1D",
        "applicationType": "PERIODIC",
        "applicationFrequency": "P1M",
        "tiers": [
          {
            "name": ">65 - 70",
            "unitOfMeasure": "PERCENT",
            "minimumValue": "0.6501",
            "maximumValue": "0.7000",
            "rateApplicationMethod": "WHOLE_BALANCE"
          }
        ],
        "lendingRateType": "VARIABLE",
        "comparisonRate": "0.1049",
        "interestPaymentDue": "IN_ARREARS",
        "repaymentType": "PRINCIPAL_AND_INTEREST",
        "loanPurpose": "INVESTMENT"
      },
      {
        "rate": "0.1049",
        "calculationFrequency": "P1D",
        "applicationType": "PERIODIC",
        "applicationFrequency": "P1M",
        "tiers": [
          {
            "name": ">65 - 70",
            "unitOfMeasure": "PERCENT",
            "minimumValue": "0.6501",
            "maximumValue": "0.7000",
            "rateApplicationMethod": "WHOLE_BALANCE"
          }
        ],
        "lendingRateType": "VARIABLE",
        "comparisonRate": "0.1062",
        "interestPaymentDue": "IN_ARREARS",
        "repaymentType": "INTEREST_ONLY",
        "loanPurpose": "INVESTMENT"
      },
      {
        "rate": "0.0984",
        "calculationFrequency": "P1D",
        "applicationType": "PERIODIC",
        "applicationFrequency": "P1M",
        "tiers": [
          {
            "name": ">70 - 75",
            "unitOfMeasure": "PERCENT",
            "minimumValue": "0.7001",
            "maximumValue": "0.7500",
            "rateApplicationMethod": "WHOLE_BALANCE"
          }
        ],
        "lendingRateType": "VARIABLE",
        "comparisonRate": "0.1013",
        "interestPaymentDue": "IN_ARREARS",
        "repaymentType": "PRINCIPAL_AND_INTEREST",
        "loanPurpose": "OWNER_OCCUPIED"
      },
      {
        "rate": "0.1014",
        "calculationFrequency": "P1D",
        "applicationType": "PERIODIC",
        "applicationFrequency": "P1M",
        "tiers": [
          {
            "name": ">70 - 75",
            "unitOfMeasure": "PERCENT",
            "minimumValue": "0.7001",
            "maximumValue": "0.7500",
            "rateApplicationMethod": "WHOLE_BALANCE"
          }
        ],
        "lendingRateType": "VARIABLE",
        "comparisonRate": "0.1027",
        "interestPaymentDue": "IN_ARREARS",
        "repaymentType": "INTEREST_ONLY",
        "loanPurpose": "OWNER_OCCUPIED"
      },
      {
        "rate": "0.1019",
        "calculationFrequency": "P1D",
        "applicationType": "PERIODIC",
        "applicationFrequency": "P1M",
        "tiers": [
          {
            "name": ">70 - 75",
            "unitOfMeasure": "PERCENT",
            "minimumValue": "0.7001",
            "maximumValue": "0.7500",
            "rateApplicationMethod": "WHOLE_BALANCE"
          }
        ],
        "lendingRateType": "VARIABLE",
        "comparisonRate": "0.1049",
        "interestPaymentDue": "IN_ARREARS",
        "repaymentType": "PRINCIPAL_AND_INTEREST",
        "loanPurpose": "INVESTMENT"
      },
      {
        "rate": "0.1049",
        "calculationFrequency": "P1D",
        "applicationType": "PERIODIC",
        "applicationFrequency": "P1M",
        "tiers": [
          {
            "name": ">70 - 75",
            "unitOfMeasure": "PERCENT",
            "minimumValue": "0.7001",
            "maximumValue": "0.7500",
            "rateApplicationMethod": "WHOLE_BALANCE"
          }
        ],
        "lendingRateType": "VARIABLE",
        "comparisonRate": "0.1062",
        "interestPaymentDue": "IN_ARREARS",
        "repaymentType": "INTEREST_ONLY",
        "loanPurpose": "INVESTMENT"
      },
      {
        "rate": "0.1014",
        "calculationFrequency": "P1D",
        "applicationType": "PERIODIC",
        "applicationFrequency": "P1M",
        "tiers": [
          {
            "name": ">75 - 80",
            "unitOfMeasure": "PERCENT",
            "minimumValue": "0.7501",
            "maximumValue": "0.8000",
            "rateApplicationMethod": "WHOLE_BALANCE"
          }
        ],
        "lendingRateType": "VARIABLE",
        "comparisonRate": "0.1044",
        "interestPaymentDue": "IN_ARREARS",
        "repaymentType": "PRINCIPAL_AND_INTEREST",
        "loanPurpose": "OWNER_OCCUPIED"
      },
      {
        "rate": "0.1044",
        "calculationFrequency": "P1D",
        "applicationType": "PERIODIC",
        "applicationFrequency": "P1M",
        "tiers": [
          {
            "name": ">75 - 80",
            "unitOfMeasure": "PERCENT",
            "minimumValue": "0.7501",
            "maximumValue": "0.8000",
            "rateApplicationMethod": "WHOLE_BALANCE"
          }
        ],
        "lendingRateType": "VARIABLE",
        "comparisonRate": "0.1057",
        "interestPaymentDue": "IN_ARREARS",
        "repaymentType": "INTEREST_ONLY",
        "loanPurpose": "OWNER_OCCUPIED"
      },
      {
        "rate": "0.1049",
        "calculationFrequency": "P1D",
        "applicationType": "PERIODIC",
        "applicationFrequency": "P1M",
        "tiers": [
          {
            "name": ">75 - 80",
            "unitOfMeasure": "PERCENT",
            "minimumValue": "0.7501",
            "maximumValue": "0.8000",
            "rateApplicationMethod": "WHOLE_BALANCE"
          }
        ],
        "lendingRateType": "VARIABLE",
        "comparisonRate": "0.1079",
        "interestPaymentDue": "IN_ARREARS",
        "repaymentType": "PRINCIPAL_AND_INTEREST",
        "loanPurpose": "INVESTMENT"
      },
      {
        "rate": "0.1079",
        "calculationFrequency": "P1D",
        "applicationType": "PERIODIC",
        "applicationFrequency": "P1M",
        "tiers": [
          {
            "name": ">75 - 80",
            "unitOfMeasure": "PERCENT",
            "minimumValue": "0.7501",
            "maximumValue": "0.8000",
            "rateApplicationMethod": "WHOLE_BALANCE"
          }
        ],
        "lendingRateType": "VARIABLE",
        "comparisonRate": "0.1093",
        "interestPaymentDue": "IN_ARREARS",
        "repaymentType": "INTEREST_ONLY",
        "loanPurpose": "INVESTMENT"
      },
      {
        "rate": "0.1024",
        "calculationFrequency": "P1D",
        "applicationType": "PERIODIC",
        "applicationFrequency": "P1M",
        "additionalValue": "P2Y",
        "tiers": [
          {
            "name": "Up to 55",
            "unitOfMeasure": "PERCENT",
            "minimumValue": "0.0000",
            "maximumValue": "0.5500",
            "rateApplicationMethod": "WHOLE_BALANCE"
          }
        ],
        "lendingRateType": "FIXED",
        "comparisonRate": "0.1015",
        "interestPaymentDue": "IN_ARREARS",
        "repaymentType": "PRINCIPAL_AND_INTEREST",
        "loanPurpose": "OWNER_OCCUPIED"
      },
      {
        "rate": "0.1054",
        "calculationFrequency": "P1D",
        "applicationType": "PERIODIC",
        "applicationFrequency": "P1M",
        "additionalValue": "P2Y",
        "tiers": [
          {
            "name": "Up to 55",
            "unitOfMeasure": "PERCENT",
            "minimumValue": "0.0000",
            "maximumValue": "0.5500",
            "rateApplicationMethod": "WHOLE_BALANCE"
          }
        ],
        "lendingRateType": "FIXED",
        "comparisonRate": "0.1022",
        "interestPaymentDue": "IN_ARREARS",
        "repaymentType": "INTEREST_ONLY",
        "loanPurpose": "OWNER_OCCUPIED"
      },
      {
        "rate": "0.1059",
        "calculationFrequency": "P1D",
        "applicationType": "PERIODIC",
        "applicationFrequency": "P1M",
        "additionalValue": "P2Y",
        "tiers": [
          {
            "name": "Up to 55",
            "unitOfMeasure": "PERCENT",
            "minimumValue": "0.0000",
            "maximumValue": "0.5500",
            "rateApplicationMethod": "WHOLE_BALANCE"
          }
        ],
        "lendingRateType": "FIXED",
        "comparisonRate": "0.1051",
        "interestPaymentDue": "IN_ARREARS",
        "repaymentType": "PRINCIPAL_AND_INTEREST",
        "loanPurpose": "INVESTMENT"
      },
      {
        "rate": "0.1089",
        "calculationFrequency": "P1D",
        "applicationType": "PERIODIC",
        "applicationFrequency": "P1M",
        "additionalValue": "P2Y",
        "tiers": [
          {
            "name": "Up to 55",
            "unitOfMeasure": "PERCENT",
            "minimumValue": "0.0000",
            "maximumValue": "0.5500",
            "rateApplicationMethod": "WHOLE_BALANCE"
          }
        ],
        "lendingRateType": "FIXED",
        "comparisonRate": "0.1057",
        "interestPaymentDue": "IN_ARREARS",
        "repaymentType": "INTEREST_ONLY",
        "loanPurpose": "INVESTMENT"
      },
      {
        "rate": "0.1024",
        "calculationFrequency": "P1D",
        "applicationType": "PERIODIC",
        "applicationFrequency": "P1M",
        "additionalValue": "P2Y",
        "tiers": [
          {
            "name": ">55 - 65",
            "unitOfMeasure": "PERCENT",
            "minimumValue": "0.5501",
            "maximumValue": "0.6500",
            "rateApplicationMethod": "WHOLE_BALANCE"
          }
        ],
        "lendingRateType": "FIXED",
        "comparisonRate": "0.1015",
        "interestPaymentDue": "IN_ARREARS",
        "repaymentType": "PRINCIPAL_AND_INTEREST",
        "loanPurpose": "OWNER_OCCUPIED"
      },
      {
        "rate": "0.1054",
        "calculationFrequency": "P1D",
        "applicationType": "PERIODIC",
        "applicationFrequency": "P1M",
        "additionalValue": "P2Y",
        "tiers": [
          {
            "name": ">55 - 65",
            "unitOfMeasure": "PERCENT",
            "minimumValue": "0.5501",
            "maximumValue": "0.6500",
            "rateApplicationMethod": "WHOLE_BALANCE"
          }
        ],
        "lendingRateType": "FIXED",
        "comparisonRate": "0.1022",
        "interestPaymentDue": "IN_ARREARS",
        "repaymentType": "INTEREST_ONLY",
        "loanPurpose": "OWNER_OCCUPIED"
      },
      {
        "rate": "0.1059",
        "calculationFrequency": "P1D",
        "applicationType": "PERIODIC",
        "applicationFrequency": "P1M",
        "additionalValue": "P2Y",
        "tiers": [
          {
            "name": ">55 - 65",
            "unitOfMeasure": "PERCENT",
            "minimumValue": "0.5501",
            "maximumValue": "0.6500",
            "rateApplicationMethod": "WHOLE_BALANCE"
          }
        ],
        "lendingRateType": "FIXED",
        "comparisonRate": "0.1051",
        "interestPaymentDue": "IN_ARREARS",
        "repaymentType": "PRINCIPAL_AND_INTEREST",
        "loanPurpose": "INVESTMENT"
      },
      {
        "rate": "0.1089",
        "calculationFrequency": "P1D",
        "applicationType": "PERIODIC",
        "applicationFrequency": "P1M",
        "additionalValue": "P2Y",
        "tiers": [
          {
            "name": ">55 - 65",
            "unitOfMeasure": "PERCENT",
            "minimumValue": "0.5501",
            "maximumValue": "0.6500",
            "rateApplicationMethod": "WHOLE_BALANCE"
          }
        ],
        "lendingRateType": "FIXED",
        "comparisonRate": "0.1057",
        "interestPaymentDue": "IN_ARREARS",
        "repaymentType": "INTEREST_ONLY",
        "loanPurpose": "INVESTMENT"
      },
      {
        "rate": "0.1034",
        "calculationFrequency": "P1D",
        "applicationType": "PERIODIC",
        "applicationFrequency": "P1M",
        "additionalValue": "P2Y",
        "tiers": [
          {
            "name": ">65 - 70",
            "unitOfMeasure": "PERCENT",
            "minimumValue": "0.6501",
            "maximumValue": "0.7000",
            "rateApplicationMethod": "WHOLE_BALANCE"
          }
        ],
        "lendingRateType": "FIXED",
        "comparisonRate": "0.1025",
        "interestPaymentDue": "IN_ARREARS",
        "repaymentType": "PRINCIPAL_AND_INTEREST",
        "loanPurpose": "OWNER_OCCUPIED"
      },
      {
        "rate": "0.1064",
        "calculationFrequency": "P1D",
        "applicationType": "PERIODIC",
        "applicationFrequency": "P1M",
        "additionalValue": "P2Y",
        "tiers": [
          {
            "name": ">65 - 70",
            "unitOfMeasure": "PERCENT",
            "minimumValue": "0.6501",
            "maximumValue": "0.7000",
            "rateApplicationMethod": "WHOLE_BALANCE"
          }
        ],
        "lendingRateType": "FIXED",
        "comparisonRate": "0.1031",
        "interestPaymentDue": "IN_ARREARS",
        "repaymentType": "INTEREST_ONLY",
        "loanPurpose": "OWNER_OCCUPIED"
      },
      {
        "rate": "0.1069",
        "calculationFrequency": "P1D",
        "applicationType": "PERIODIC",
        "applicationFrequency": "P1M",
        "additionalValue": "P2Y",
        "tiers": [
          {
            "name": ">65 - 70",
            "unitOfMeasure": "PERCENT",
            "minimumValue": "0.6501",
            "maximumValue": "0.7000",
            "rateApplicationMethod": "WHOLE_BALANCE"
          }
        ],
        "lendingRateType": "FIXED",
        "comparisonRate": "0.1060",
        "interestPaymentDue": "IN_ARREARS",
        "repaymentType": "PRINCIPAL_AND_INTEREST",
        "loanPurpose": "INVESTMENT"
      },
      {
        "rate": "0.1099",
        "calculationFrequency": "P1D",
        "applicationType": "PERIODIC",
        "applicationFrequency": "P1M",
        "additionalValue": "P2Y",
        "tiers": [
          {
            "name": ">65 - 70",
            "unitOfMeasure": "PERCENT",
            "minimumValue": "0.6501",
            "maximumValue": "0.7000",
            "rateApplicationMethod": "WHOLE_BALANCE"
          }
        ],
        "lendingRateType": "FIXED",
        "comparisonRate": "0.1067",
        "interestPaymentDue": "IN_ARREARS",
        "repaymentType": "INTEREST_ONLY",
        "loanPurpose": "INVESTMENT"
      },
      {
        "rate": "0.1034",
        "calculationFrequency": "P1D",
        "applicationType": "PERIODIC",
        "applicationFrequency": "P1M",
        "additionalValue": "P2Y",
        "tiers": [
          {
            "name": ">70 - 75",
            "unitOfMeasure": "PERCENT",
            "minimumValue": "0.7001",
            "maximumValue": "0.7500",
            "rateApplicationMethod": "WHOLE_BALANCE"
          }
        ],
        "lendingRateType": "FIXED",
        "comparisonRate": "0.1025",
        "interestPaymentDue": "IN_ARREARS",
        "repaymentType": "PRINCIPAL_AND_INTEREST",
        "loanPurpose": "OWNER_OCCUPIED"
      },
      {
        "rate": "0.1064",
        "calculationFrequency": "P1D",
        "applicationType": "PERIODIC",
        "applicationFrequency": "P1M",
        "additionalValue": "P2Y",
        "tiers": [
          {
            "name": ">70 - 75",
            "unitOfMeasure": "PERCENT",
            "minimumValue": "0.7001",
            "maximumValue": "0.7500",
            "rateApplicationMethod": "WHOLE_BALANCE"
          }
        ],
        "lendingRateType": "FIXED",
        "comparisonRate": "0.1031",
        "interestPaymentDue": "IN_ARREARS",
        "repaymentType": "INTEREST_ONLY",
        "loanPurpose": "OWNER_OCCUPIED"
      },
      {
        "rate": "0.1069",
        "calculationFrequency": "P1D",
        "applicationType": "PERIODIC",
        "applicationFrequency": "P1M",
        "additionalValue": "P2Y",
        "tiers": [
          {
            "name": ">70 - 75",
            "unitOfMeasure": "PERCENT",
            "minimumValue": "0.7001",
            "maximumValue": "0.7500",
            "rateApplicationMethod": "WHOLE_BALANCE"
          }
        ],
        "lendingRateType": "FIXED",
        "comparisonRate": "0.1060",
        "interestPaymentDue": "IN_ARREARS",
        "repaymentType": "PRINCIPAL_AND_INTEREST",
        "loanPurpose": "INVESTMENT"
      },
      {
        "rate": "0.1099",
        "calculationFrequency": "P1D",
        "applicationType": "PERIODIC",
        "applicationFrequency": "P1M",
        "additionalValue": "P2Y",
        "tiers": [
          {
            "name": ">70 - 75",
            "unitOfMeasure": "PERCENT",
            "minimumValue": "0.7001",
            "maximumValue": "0.7500",
            "rateApplicationMethod": "WHOLE_BALANCE"
          }
        ],
        "lendingRateType": "FIXED",
        "comparisonRate": "0.1067",
        "interestPaymentDue": "IN_ARREARS",
        "repaymentType": "INTEREST_ONLY",
        "loanPurpose": "INVESTMENT"
      },
      {
        "rate": "0.1064",
        "calculationFrequency": "P1D",
        "applicationType": "PERIODIC",
        "applicationFrequency": "P1M",
        "additionalValue": "P2Y",
        "tiers": [
          {
            "name": ">75 - 80",
            "unitOfMeasure": "PERCENT",
            "minimumValue": "0.7501",
            "maximumValue": "0.8000",
            "rateApplicationMethod": "WHOLE_BALANCE"
          }
        ],
        "lendingRateType": "FIXED",
        "comparisonRate": "0.1055",
        "interestPaymentDue": "IN_ARREARS",
        "repaymentType": "PRINCIPAL_AND_INTEREST",
        "loanPurpose": "OWNER_OCCUPIED"
      },
      {
        "rate": "0.1094",
        "calculationFrequency": "P1D",
        "applicationType": "PERIODIC",
        "applicationFrequency": "P1M",
        "additionalValue": "P2Y",
        "tiers": [
          {
            "name": ">75 - 80",
            "unitOfMeasure": "PERCENT",
            "minimumValue": "0.7501",
            "maximumValue": "0.8000",
            "rateApplicationMethod": "WHOLE_BALANCE"
          }
        ],
        "lendingRateType": "FIXED",
        "comparisonRate": "0.1062",
        "interestPaymentDue": "IN_ARREARS",
        "repaymentType": "INTEREST_ONLY",
        "loanPurpose": "OWNER_OCCUPIED"
      },
      {
        "rate": "0.1099",
        "calculationFrequency": "P1D",
        "applicationType": "PERIODIC",
        "applicationFrequency": "P1M",
        "additionalValue": "P2Y",
        "tiers": [
          {
            "name": ">75 - 80",
            "unitOfMeasure": "PERCENT",
            "minimumValue": "0.7501",
            "maximumValue": "0.8000",
            "rateApplicationMethod": "WHOLE_BALANCE"
          }
        ],
        "lendingRateType": "FIXED",
        "comparisonRate": "0.1091",
        "interestPaymentDue": "IN_ARREARS",
        "repaymentType": "PRINCIPAL_AND_INTEREST",
        "loanPurpose": "INVESTMENT"
      },
      {
        "rate": "0.1129",
        "calculationFrequency": "P1D",
        "applicationType": "PERIODIC",
        "applicationFrequency": "P1M",
        "additionalValue": "P2Y",
        "tiers": [
          {
            "name": ">75 - 80",
            "unitOfMeasure": "PERCENT",
            "minimumValue": "0.7501",
            "maximumValue": "0.8000",
            "rateApplicationMethod": "WHOLE_BALANCE"
          }
        ],
        "lendingRateType": "FIXED",
        "comparisonRate": "0.1098",
        "interestPaymentDue": "IN_ARREARS",
        "repaymentType": "INTEREST_ONLY",
        "loanPurpose": "INVESTMENT"
      },
      {
        "rate": "0.1034",
        "calculationFrequency": "P1D",
        "applicationType": "PERIODIC",
        "applicationFrequency": "P1M",
        "additionalValue": "P3Y",
        "tiers": [
          {
            "name": "Up to 55",
            "unitOfMeasure": "PERCENT",
            "minimumValue": "0.0000",
            "maximumValue": "0.5500",
            "rateApplicationMethod": "WHOLE_BALANCE"
          }
        ],
        "lendingRateType": "FIXED",
        "comparisonRate": "0.1024",
        "interestPaymentDue": "IN_ARREARS",
        "repaymentType": "PRINCIPAL_AND_INTEREST",
        "loanPurpose": "OWNER_OCCUPIED"
      },
      {
        "rate": "0.1064",
        "calculationFrequency": "P1D",
        "applicationType": "PERIODIC",
        "applicationFrequency": "P1M",
        "additionalValue": "P3Y",
        "tiers": [
          {
            "name": "Up to 55",
            "unitOfMeasure": "PERCENT",
            "minimumValue": "0.0000",
            "maximumValue": "0.5500",
            "rateApplicationMethod": "WHOLE_BALANCE"
          }
        ],
        "lendingRateType": "FIXED",
        "comparisonRate": "0.1033",
        "interestPaymentDue": "IN_ARREARS",
        "repaymentType": "INTEREST_ONLY",
        "loanPurpose": "OWNER_OCCUPIED"
      },
      {
        "rate": "0.1069",
        "calculationFrequency": "P1D",
        "applicationType": "PERIODIC",
        "applicationFrequency": "P1M",
        "additionalValue": "P3Y",
        "tiers": [
          {
            "name": "Up to 55",
            "unitOfMeasure": "PERCENT",
            "minimumValue": "0.0000",
            "maximumValue": "0.5500",
            "rateApplicationMethod": "WHOLE_BALANCE"
          }
        ],
        "lendingRateType": "FIXED",
        "comparisonRate": "0.1059",
        "interestPaymentDue": "IN_ARREARS",
        "repaymentType": "PRINCIPAL_AND_INTEREST",
        "loanPurpose": "INVESTMENT"
      },
      {
        "rate": "0.1099",
        "calculationFrequency": "P1D",
        "applicationType": "PERIODIC",
        "applicationFrequency": "P1M",
        "additionalValue": "P3Y",
        "tiers": [
          {
            "name": "Up to 55",
            "unitOfMeasure": "PERCENT",
            "minimumValue": "0.0000",
            "maximumValue": "0.5500",
            "rateApplicationMethod": "WHOLE_BALANCE"
          }
        ],
        "lendingRateType": "FIXED",
        "comparisonRate": "0.1069",
        "interestPaymentDue": "IN_ARREARS",
        "repaymentType": "INTEREST_ONLY",
        "loanPurpose": "INVESTMENT"
      },
      {
        "rate": "0.1034",
        "calculationFrequency": "P1D",
        "applicationType": "PERIODIC",
        "applicationFrequency": "P1M",
        "additionalValue": "P3Y",
        "tiers": [
          {
            "name": ">55 - 65",
            "unitOfMeasure": "PERCENT",
            "minimumValue": "0.5501",
            "maximumValue": "0.6500",
            "rateApplicationMethod": "WHOLE_BALANCE"
          }
        ],
        "lendingRateType": "FIXED",
        "comparisonRate": "0.1024",
        "interestPaymentDue": "IN_ARREARS",
        "repaymentType": "PRINCIPAL_AND_INTEREST",
        "loanPurpose": "OWNER_OCCUPIED"
      },
      {
        "rate": "0.1064",
        "calculationFrequency": "P1D",
        "applicationType": "PERIODIC",
        "applicationFrequency": "P1M",
        "additionalValue": "P3Y",
        "tiers": [
          {
            "name": ">55 - 65",
            "unitOfMeasure": "PERCENT",
            "minimumValue": "0.5501",
            "maximumValue": "0.6500",
            "rateApplicationMethod": "WHOLE_BALANCE"
          }
        ],
        "lendingRateType": "FIXED",
        "comparisonRate": "0.1033",
        "interestPaymentDue": "IN_ARREARS",
        "repaymentType": "INTEREST_ONLY",
        "loanPurpose": "OWNER_OCCUPIED"
      },
      {
        "rate": "0.1069",
        "calculationFrequency": "P1D",
        "applicationType": "PERIODIC",
        "applicationFrequency": "P1M",
        "additionalValue": "P3Y",
        "tiers": [
          {
            "name": ">55 - 65",
            "unitOfMeasure": "PERCENT",
            "minimumValue": "0.5501",
            "maximumValue": "0.6500",
            "rateApplicationMethod": "WHOLE_BALANCE"
          }
        ],
        "lendingRateType": "FIXED",
        "comparisonRate": "0.1059",
        "interestPaymentDue": "IN_ARREARS",
        "repaymentType": "PRINCIPAL_AND_INTEREST",
        "loanPurpose": "INVESTMENT"
      },
      {
        "rate": "0.1099",
        "calculationFrequency": "P1D",
        "applicationType": "PERIODIC",
        "applicationFrequency": "P1M",
        "additionalValue": "P3Y",
        "tiers": [
          {
            "name": ">55 - 65",
            "unitOfMeasure": "PERCENT",
            "minimumValue": "0.5501",
            "maximumValue": "0.6500",
            "rateApplicationMethod": "WHOLE_BALANCE"
          }
        ],
        "lendingRateType": "FIXED",
        "comparisonRate": "0.1069",
        "interestPaymentDue": "IN_ARREARS",
        "repaymentType": "INTEREST_ONLY",
        "loanPurpose": "INVESTMENT"
      },
      {
        "rate": "0.1044",
        "calculationFrequency": "P1D",
        "applicationType": "PERIODIC",
        "applicationFrequency": "P1M",
        "additionalValue": "P3Y",
        "tiers": [
          {
            "name": ">65 - 70",
            "unitOfMeasure": "PERCENT",
            "minimumValue": "0.6501",
            "maximumValue": "0.7000",
            "rateApplicationMethod": "WHOLE_BALANCE"
          }
        ],
        "lendingRateType": "FIXED",
        "comparisonRate": "0.1034",
        "interestPaymentDue": "IN_ARREARS",
        "repaymentType": "PRINCIPAL_AND_INTEREST",
        "loanPurpose": "OWNER_OCCUPIED"
      },
      {
        "rate": "0.1074",
        "calculationFrequency": "P1D",
        "applicationType": "PERIODIC",
        "applicationFrequency": "P1M",
        "additionalValue": "P3Y",
        "tiers": [
          {
            "name": ">65 - 70",
            "unitOfMeasure": "PERCENT",
            "minimumValue": "0.6501",
            "maximumValue": "0.7000",
            "rateApplicationMethod": "WHOLE_BALANCE"
          }
        ],
        "lendingRateType": "FIXED",
        "comparisonRate": "0.1043",
        "interestPaymentDue": "IN_ARREARS",
        "repaymentType": "INTEREST_ONLY",
        "loanPurpose": "OWNER_OCCUPIED"
      },
      {
        "rate": "0.1079",
        "calculationFrequency": "P1D",
        "applicationType": "PERIODIC",
        "applicationFrequency": "P1M",
        "additionalValue": "P3Y",
        "tiers": [
          {
            "name": ">65 - 70",
            "unitOfMeasure": "PERCENT",
            "minimumValue": "0.6501",
            "maximumValue": "0.7000",
            "rateApplicationMethod": "WHOLE_BALANCE"
          }
        ],
        "lendingRateType": "FIXED",
        "comparisonRate": "0.1069",
        "interestPaymentDue": "IN_ARREARS",
        "repaymentType": "PRINCIPAL_AND_INTEREST",
        "loanPurpose": "INVESTMENT"
      },
      {
        "rate": "0.1109",
        "calculationFrequency": "P1D",
        "applicationType": "PERIODIC",
        "applicationFrequency": "P1M",
        "additionalValue": "P3Y",
        "tiers": [
          {
            "name": ">65 - 70",
            "unitOfMeasure": "PERCENT",
            "minimumValue": "0.6501",
            "maximumValue": "0.7000",
            "rateApplicationMethod": "WHOLE_BALANCE"
          }
        ],
        "lendingRateType": "FIXED",
        "comparisonRate": "0.1078",
        "interestPaymentDue": "IN_ARREARS",
        "repaymentType": "INTEREST_ONLY",
        "loanPurpose": "INVESTMENT"
      },
      {
        "rate": "0.1044",
        "calculationFrequency": "P1D",
        "applicationType": "PERIODIC",
        "applicationFrequency": "P1M",
        "additionalValue": "P3Y",
        "tiers": [
          {
            "name": ">70 - 75",
            "unitOfMeasure": "PERCENT",
            "minimumValue": "0.7001",
            "maximumValue": "0.7500",
            "rateApplicationMethod": "WHOLE_BALANCE"
          }
        ],
        "lendingRateType": "FIXED",
        "comparisonRate": "0.1034",
        "interestPaymentDue": "IN_ARREARS",
        "repaymentType": "PRINCIPAL_AND_INTEREST",
        "loanPurpose": "OWNER_OCCUPIED"
      },
      {
        "rate": "0.1074",
        "calculationFrequency": "P1D",
        "applicationType": "PERIODIC",
        "applicationFrequency": "P1M",
        "additionalValue": "P3Y",
        "tiers": [
          {
            "name": ">70 - 75",
            "unitOfMeasure": "PERCENT",
            "minimumValue": "0.7001",
            "maximumValue": "0.7500",
            "rateApplicationMethod": "WHOLE_BALANCE"
          }
        ],
        "lendingRateType": "FIXED",
        "comparisonRate": "0.1043",
        "interestPaymentDue": "IN_ARREARS",
        "repaymentType": "INTEREST_ONLY",
        "loanPurpose": "OWNER_OCCUPIED"
      },
      {
        "rate": "0.1079",
        "calculationFrequency": "P1D",
        "applicationType": "PERIODIC",
        "applicationFrequency": "P1M",
        "additionalValue": "P3Y",
        "tiers": [
          {
            "name": ">70 - 75",
            "unitOfMeasure": "PERCENT",
            "minimumValue": "0.7001",
            "maximumValue": "0.7500",
            "rateApplicationMethod": "WHOLE_BALANCE"
          }
        ],
        "lendingRateType": "FIXED",
        "comparisonRate": "0.1069",
        "interestPaymentDue": "IN_ARREARS",
        "repaymentType": "PRINCIPAL_AND_INTEREST",
        "loanPurpose": "INVESTMENT"
      },
      {
        "rate": "0.1109",
        "calculationFrequency": "P1D",
        "applicationType": "PERIODIC",
        "applicationFrequency": "P1M",
        "additionalValue": "P3Y",
        "tiers": [
          {
            "name": ">70 - 75",
            "unitOfMeasure": "PERCENT",
            "minimumValue": "0.7001",
            "maximumValue": "0.7500",
            "rateApplicationMethod": "WHOLE_BALANCE"
          }
        ],
        "lendingRateType": "FIXED",
        "comparisonRate": "0.1078",
        "interestPaymentDue": "IN_ARREARS",
        "repaymentType": "INTEREST_ONLY",
        "loanPurpose": "INVESTMENT"
      },
      {
        "rate": "0.1074",
        "calculationFrequency": "P1D",
        "applicationType": "PERIODIC",
        "applicationFrequency": "P1M",
        "additionalValue": "P3Y",
        "tiers": [
          {
            "name": ">75 - 80",
            "unitOfMeasure": "PERCENT",
            "minimumValue": "0.7501",
            "maximumValue": "0.8000",
            "rateApplicationMethod": "WHOLE_BALANCE"
          }
        ],
        "lendingRateType": "FIXED",
        "comparisonRate": "0.1064",
        "interestPaymentDue": "IN_ARREARS",
        "repaymentType": "PRINCIPAL_AND_INTEREST",
        "loanPurpose": "OWNER_OCCUPIED"
      },
      {
        "rate": "0.1104",
        "calculationFrequency": "P1D",
        "applicationType": "PERIODIC",
        "applicationFrequency": "P1M",
        "additionalValue": "P3Y",
        "tiers": [
          {
            "name": ">75 - 80",
            "unitOfMeasure": "PERCENT",
            "minimumValue": "0.7501",
            "maximumValue": "0.8000",
            "rateApplicationMethod": "WHOLE_BALANCE"
          }
        ],
        "lendingRateType": "FIXED",
        "comparisonRate": "0.1073",
        "interestPaymentDue": "IN_ARREARS",
        "repaymentType": "INTEREST_ONLY",
        "loanPurpose": "OWNER_OCCUPIED"
      },
      {
        "rate": "0.1109",
        "calculationFrequency": "P1D",
        "applicationType": "PERIODIC",
        "applicationFrequency": "P1M",
        "additionalValue": "P3Y",
        "tiers": [
          {
            "name": ">75 - 80",
            "unitOfMeasure": "PERCENT",
            "minimumValue": "0.7501",
            "maximumValue": "0.8000",
            "rateApplicationMethod": "WHOLE_BALANCE"
          }
        ],
        "lendingRateType": "FIXED",
        "comparisonRate": "0.1099",
        "interestPaymentDue": "IN_ARREARS",
        "repaymentType": "PRINCIPAL_AND_INTEREST",
        "loanPurpose": "INVESTMENT"
      },
      {
        "rate": "0.1139",
        "calculationFrequency": "P1D",
        "applicationType": "PERIODIC",
        "applicationFrequency": "P1M",
        "additionalValue": "P3Y",
        "tiers": [
          {
            "name": ">75 - 80",
            "unitOfMeasure": "PERCENT",
            "minimumValue": "0.7501",
            "maximumValue": "0.8000",
            "rateApplicationMethod": "WHOLE_BALANCE"
          }
        ],
        "lendingRateType": "FIXED",
        "comparisonRate": "0.1109",
        "interestPaymentDue": "IN_ARREARS",
        "repaymentType": "INTEREST_ONLY",
        "loanPurpose": "INVESTMENT"
      },
      {
        "rate": "0.1054",
        "calculationFrequency": "P1D",
        "applicationType": "PERIODIC",
        "applicationFrequency": "P1M",
        "additionalValue": "P5Y",
        "tiers": [
          {
            "name": "Up to 55",
            "unitOfMeasure": "PERCENT",
            "minimumValue": "0.0000",
            "maximumValue": "0.5500",
            "rateApplicationMethod": "WHOLE_BALANCE"
          }
        ],
        "lendingRateType": "FIXED",
        "comparisonRate": "0.1044",
        "interestPaymentDue": "IN_ARREARS",
        "repaymentType": "PRINCIPAL_AND_INTEREST",
        "loanPurpose": "OWNER_OCCUPIED"
      },
      {
        "rate": "0.1084",
        "calculationFrequency": "P1D",
        "applicationType": "PERIODIC",
        "applicationFrequency": "P1M",
        "additionalValue": "P5Y",
        "tiers": [
          {
            "name": "Up to 55",
            "unitOfMeasure": "PERCENT",
            "minimumValue": "0.0000",
            "maximumValue": "0.5500",
            "rateApplicationMethod": "WHOLE_BALANCE"
          }
        ],
        "lendingRateType": "FIXED",
        "comparisonRate": "0.1057",
        "interestPaymentDue": "IN_ARREARS",
        "repaymentType": "INTEREST_ONLY",
        "loanPurpose": "OWNER_OCCUPIED"
      },
      {
        "rate": "0.1089",
        "calculationFrequency": "P1D",
        "applicationType": "PERIODIC",
        "applicationFrequency": "P1M",
        "additionalValue": "P5Y",
        "tiers": [
          {
            "name": "Up to 55",
            "unitOfMeasure": "PERCENT",
            "minimumValue": "0.0000",
            "maximumValue": "0.5500",
            "rateApplicationMethod": "WHOLE_BALANCE"
          }
        ],
        "lendingRateType": "FIXED",
        "comparisonRate": "0.1079",
        "interestPaymentDue": "IN_ARREARS",
        "repaymentType": "PRINCIPAL_AND_INTEREST",
        "loanPurpose": "INVESTMENT"
      },
      {
        "rate": "0.1119",
        "calculationFrequency": "P1D",
        "applicationType": "PERIODIC",
        "applicationFrequency": "P1M",
        "additionalValue": "P5Y",
        "tiers": [
          {
            "name": "Up to 55",
            "unitOfMeasure": "PERCENT",
            "minimumValue": "0.0000",
            "maximumValue": "0.5500",
            "rateApplicationMethod": "WHOLE_BALANCE"
          }
        ],
        "lendingRateType": "FIXED",
        "comparisonRate": "0.1093",
        "interestPaymentDue": "IN_ARREARS",
        "repaymentType": "INTEREST_ONLY",
        "loanPurpose": "INVESTMENT"
      },
      {
        "rate": "0.1054",
        "calculationFrequency": "P1D",
        "applicationType": "PERIODIC",
        "applicationFrequency": "P1M",
        "additionalValue": "P5Y",
        "tiers": [
          {
            "name": ">55 - 65",
            "unitOfMeasure": "PERCENT",
            "minimumValue": "0.5501",
            "maximumValue": "0.6500",
            "rateApplicationMethod": "WHOLE_BALANCE"
          }
        ],
        "lendingRateType": "FIXED",
        "comparisonRate": "0.1044",
        "interestPaymentDue": "IN_ARREARS",
        "repaymentType": "PRINCIPAL_AND_INTEREST",
        "loanPurpose": "OWNER_OCCUPIED"
      },
      {
        "rate": "0.1084",
        "calculationFrequency": "P1D",
        "applicationType": "PERIODIC",
        "applicationFrequency": "P1M",
        "additionalValue": "P5Y",
        "tiers": [
          {
            "name": ">55 - 65",
            "unitOfMeasure": "PERCENT",
            "minimumValue": "0.5501",
            "maximumValue": "0.6500",
            "rateApplicationMethod": "WHOLE_BALANCE"
          }
        ],
        "lendingRateType": "FIXED",
        "comparisonRate": "0.1057",
        "interestPaymentDue": "IN_ARREARS",
        "repaymentType": "INTEREST_ONLY",
        "loanPurpose": "OWNER_OCCUPIED"
      },
      {
        "rate": "0.1089",
        "calculationFrequency": "P1D",
        "applicationType": "PERIODIC",
        "applicationFrequency": "P1M",
        "additionalValue": "P5Y",
        "tiers": [
          {
            "name": ">55 - 65",
            "unitOfMeasure": "PERCENT",
            "minimumValue": "0.5501",
            "maximumValue": "0.6500",
            "rateApplicationMethod": "WHOLE_BALANCE"
          }
        ],
        "lendingRateType": "FIXED",
        "comparisonRate": "0.1079",
        "interestPaymentDue": "IN_ARREARS",
        "repaymentType": "PRINCIPAL_AND_INTEREST",
        "loanPurpose": "INVESTMENT"
      },
      {
        "rate": "0.1119",
        "calculationFrequency": "P1D",
        "applicationType": "PERIODIC",
        "applicationFrequency": "P1M",
        "additionalValue": "P5Y",
        "tiers": [
          {
            "name": ">55 - 65",
            "unitOfMeasure": "PERCENT",
            "minimumValue": "0.5501",
            "maximumValue": "0.6500",
            "rateApplicationMethod": "WHOLE_BALANCE"
          }
        ],
        "lendingRateType": "FIXED",
        "comparisonRate": "0.1093",
        "interestPaymentDue": "IN_ARREARS",
        "repaymentType": "INTEREST_ONLY",
        "loanPurpose": "INVESTMENT"
      },
      {
        "rate": "0.1064",
        "calculationFrequency": "P1D",
        "applicationType": "PERIODIC",
        "applicationFrequency": "P1M",
        "additionalValue": "P5Y",
        "tiers": [
          {
            "name": ">65 - 70",
            "unitOfMeasure": "PERCENT",
            "minimumValue": "0.6501",
            "maximumValue": "0.7000",
            "rateApplicationMethod": "WHOLE_BALANCE"
          }
        ],
        "lendingRateType": "FIXED",
        "comparisonRate": "0.1054",
        "interestPaymentDue": "IN_ARREARS",
        "repaymentType": "PRINCIPAL_AND_INTEREST",
        "loanPurpose": "OWNER_OCCUPIED"
      },
      {
        "rate": "0.1094",
        "calculationFrequency": "P1D",
        "applicationType": "PERIODIC",
        "applicationFrequency": "P1M",
        "additionalValue": "P5Y",
        "tiers": [
          {
            "name": ">65 - 70",
            "unitOfMeasure": "PERCENT",
            "minimumValue": "0.6501",
            "maximumValue": "0.7000",
            "rateApplicationMethod": "WHOLE_BALANCE"
          }
        ],
        "lendingRateType": "FIXED",
        "comparisonRate": "0.1068",
        "interestPaymentDue": "IN_ARREARS",
        "repaymentType": "INTEREST_ONLY",
        "loanPurpose": "OWNER_OCCUPIED"
      },
      {
        "rate": "0.1099",
        "calculationFrequency": "P1D",
        "applicationType": "PERIODIC",
        "applicationFrequency": "P1M",
        "additionalValue": "P5Y",
        "tiers": [
          {
            "name": ">65 - 70",
            "unitOfMeasure": "PERCENT",
            "minimumValue": "0.6501",
            "maximumValue": "0.7000",
            "rateApplicationMethod": "WHOLE_BALANCE"
          }
        ],
        "lendingRateType": "FIXED",
        "comparisonRate": "0.1089",
        "interestPaymentDue": "IN_ARREARS",
        "repaymentType": "PRINCIPAL_AND_INTEREST",
        "loanPurpose": "INVESTMENT"
      },
      {
        "rate": "0.1129",
        "calculationFrequency": "P1D",
        "applicationType": "PERIODIC",
        "applicationFrequency": "P1M",
        "additionalValue": "P5Y",
        "tiers": [
          {
            "name": ">65 - 70",
            "unitOfMeasure": "PERCENT",
            "minimumValue": "0.6501",
            "maximumValue": "0.7000",
            "rateApplicationMethod": "WHOLE_BALANCE"
          }
        ],
        "lendingRateType": "FIXED",
        "comparisonRate": "0.1103",
        "interestPaymentDue": "IN_ARREARS",
        "repaymentType": "INTEREST_ONLY",
        "loanPurpose": "INVESTMENT"
      },
      {
        "rate": "0.1064",
        "calculationFrequency": "P1D",
        "applicationType": "PERIODIC",
        "applicationFrequency": "P1M",
        "additionalValue": "P5Y",
        "tiers": [
          {
            "name": ">70 - 75",
            "unitOfMeasure": "PERCENT",
            "minimumValue": "0.7001",
            "maximumValue": "0.7500",
            "rateApplicationMethod": "WHOLE_BALANCE"
          }
        ],
        "lendingRateType": "FIXED",
        "comparisonRate": "0.1054",
        "interestPaymentDue": "IN_ARREARS",
        "repaymentType": "PRINCIPAL_AND_INTEREST",
        "loanPurpose": "OWNER_OCCUPIED"
      },
      {
        "rate": "0.1094",
        "calculationFrequency": "P1D",
        "applicationType": "PERIODIC",
        "applicationFrequency": "P1M",
        "additionalValue": "P5Y",
        "tiers": [
          {
            "name": ">70 - 75",
            "unitOfMeasure": "PERCENT",
            "minimumValue": "0.7001",
            "maximumValue": "0.7500",
            "rateApplicationMethod": "WHOLE_BALANCE"
          }
        ],
        "lendingRateType": "FIXED",
        "comparisonRate": "0.1068",
        "interestPaymentDue": "IN_ARREARS",
        "repaymentType": "INTEREST_ONLY",
        "loanPurpose": "OWNER_OCCUPIED"
      },
      {
        "rate": "0.1099",
        "calculationFrequency": "P1D",
        "applicationType": "PERIODIC",
        "applicationFrequency": "P1M",
        "additionalValue": "P5Y",
        "tiers": [
          {
            "name": ">70 - 75",
            "unitOfMeasure": "PERCENT",
            "minimumValue": "0.7001",
            "maximumValue": "0.7500",
            "rateApplicationMethod": "WHOLE_BALANCE"
          }
        ],
        "lendingRateType": "FIXED",
        "comparisonRate": "0.1089",
        "interestPaymentDue": "IN_ARREARS",
        "repaymentType": "PRINCIPAL_AND_INTEREST",
        "loanPurpose": "INVESTMENT"
      },
      {
        "rate": "0.1129",
        "calculationFrequency": "P1D",
        "applicationType": "PERIODIC",
        "applicationFrequency": "P1M",
        "additionalValue": "P5Y",
        "tiers": [
          {
            "name": ">70 - 75",
            "unitOfMeasure": "PERCENT",
            "minimumValue": "0.7001",
            "maximumValue": "0.7500",
            "rateApplicationMethod": "WHOLE_BALANCE"
          }
        ],
        "lendingRateType": "FIXED",
        "comparisonRate": "0.1103",
        "interestPaymentDue": "IN_ARREARS",
        "repaymentType": "INTEREST_ONLY",
        "loanPurpose": "INVESTMENT"
      },
      {
        "rate": "0.1094",
        "calculationFrequency": "P1D",
        "applicationType": "PERIODIC",
        "applicationFrequency": "P1M",
        "additionalValue": "P5Y",
        "tiers": [
          {
            "name": ">75 - 80",
            "unitOfMeasure": "PERCENT",
            "minimumValue": "0.7501",
            "maximumValue": "0.8000",
            "rateApplicationMethod": "WHOLE_BALANCE"
          }
        ],
        "lendingRateType": "FIXED",
        "comparisonRate": "0.1085",
        "interestPaymentDue": "IN_ARREARS",
        "repaymentType": "PRINCIPAL_AND_INTEREST",
        "loanPurpose": "OWNER_OCCUPIED"
      },
      {
        "rate": "0.1124",
        "calculationFrequency": "P1D",
        "applicationType": "PERIODIC",
        "applicationFrequency": "P1M",
        "additionalValue": "P5Y",
        "tiers": [
          {
            "name": ">75 - 80",
            "unitOfMeasure": "PERCENT",
            "minimumValue": "0.7501",
            "maximumValue": "0.8000",
            "rateApplicationMethod": "WHOLE_BALANCE"
          }
        ],
        "lendingRateType": "FIXED",
        "comparisonRate": "0.1098",
        "interestPaymentDue": "IN_ARREARS",
        "repaymentType": "INTEREST_ONLY",
        "loanPurpose": "OWNER_OCCUPIED"
      },
      {
        "rate": "0.1129",
        "calculationFrequency": "P1D",
        "applicationType": "PERIODIC",
        "applicationFrequency": "P1M",
        "additionalValue": "P5Y",
        "tiers": [
          {
            "name": ">75 - 80",
            "unitOfMeasure": "PERCENT",
            "minimumValue": "0.7501",
            "maximumValue": "0.8000",
            "rateApplicationMethod": "WHOLE_BALANCE"
          }
        ],
        "lendingRateType": "FIXED",
        "comparisonRate": "0.1120",
        "interestPaymentDue": "IN_ARREARS",
        "repaymentType": "PRINCIPAL_AND_INTEREST",
        "loanPurpose": "INVESTMENT"
      },
      {
        "rate": "0.1159",
        "calculationFrequency": "P1D",
        "applicationType": "PERIODIC",
        "applicationFrequency": "P1M",
        "additionalValue": "P5Y",
        "tiers": [
          {
            "name": ">75 - 80",
            "unitOfMeasure": "PERCENT",
            "minimumValue": "0.7501",
            "maximumValue": "0.8000",
            "rateApplicationMethod": "WHOLE_BALANCE"
          }
        ],
        "lendingRateType": "FIXED",
        "comparisonRate": "0.1135",
        "interestPaymentDue": "IN_ARREARS",
        "repaymentType": "INTEREST_ONLY",
        "loanPurpose": "INVESTMENT"
      },
      {
        "rate": "0.1074",
        "calculationFrequency": "P1D",
        "applicationType": "PERIODIC",
        "applicationFrequency": "P1M",
        "additionalValue": "P7Y",
        "tiers": [
          {
            "name": "Up to 55",
            "unitOfMeasure": "PERCENT",
            "minimumValue": "0.0000",
            "maximumValue": "0.5500",
            "rateApplicationMethod": "WHOLE_BALANCE"
          }
        ],
        "lendingRateType": "FIXED",
        "comparisonRate": "0.1068",
        "interestPaymentDue": "IN_ARREARS",
        "repaymentType": "PRINCIPAL_AND_INTEREST",
        "loanPurpose": "OWNER_OCCUPIED"
      },
      {
        "rate": "0.1109",
        "calculationFrequency": "P1D",
        "applicationType": "PERIODIC",
        "applicationFrequency": "P1M",
        "additionalValue": "P7Y",
        "tiers": [
          {
            "name": "Up to 55",
            "unitOfMeasure": "PERCENT",
            "minimumValue": "0.0000",
            "maximumValue": "0.5500",
            "rateApplicationMethod": "WHOLE_BALANCE"
          }
        ],
        "lendingRateType": "FIXED",
        "comparisonRate": "0.1103",
        "interestPaymentDue": "IN_ARREARS",
        "repaymentType": "PRINCIPAL_AND_INTEREST",
        "loanPurpose": "INVESTMENT"
      },
      {
        "rate": "0.1074",
        "calculationFrequency": "P1D",
        "applicationType": "PERIODIC",
        "applicationFrequency": "P1M",
        "additionalValue": "P7Y",
        "tiers": [
          {
            "name": ">55 - 65",
            "unitOfMeasure": "PERCENT",
            "minimumValue": "0.5501",
            "maximumValue": "0.6500",
            "rateApplicationMethod": "WHOLE_BALANCE"
          }
        ],
        "lendingRateType": "FIXED",
        "comparisonRate": "0.1068",
        "interestPaymentDue": "IN_ARREARS",
        "repaymentType": "PRINCIPAL_AND_INTEREST",
        "loanPurpose": "OWNER_OCCUPIED"
      },
      {
        "rate": "0.1109",
        "calculationFrequency": "P1D",
        "applicationType": "PERIODIC",
        "applicationFrequency": "P1M",
        "additionalValue": "P7Y",
        "tiers": [
          {
            "name": ">55 - 65",
            "unitOfMeasure": "PERCENT",
            "minimumValue": "0.5501",
            "maximumValue": "0.6500",
            "rateApplicationMethod": "WHOLE_BALANCE"
          }
        ],
        "lendingRateType": "FIXED",
        "comparisonRate": "0.1103",
        "interestPaymentDue": "IN_ARREARS",
        "repaymentType": "PRINCIPAL_AND_INTEREST",
        "loanPurpose": "INVESTMENT"
      },
      {
        "rate": "0.1084",
        "calculationFrequency": "P1D",
        "applicationType": "PERIODIC",
        "applicationFrequency": "P1M",
        "additionalValue": "P7Y",
        "tiers": [
          {
            "name": ">65 - 70",
            "unitOfMeasure": "PERCENT",
            "minimumValue": "0.6501",
            "maximumValue": "0.7000",
            "rateApplicationMethod": "WHOLE_BALANCE"
          }
        ],
        "lendingRateType": "FIXED",
        "comparisonRate": "0.1078",
        "interestPaymentDue": "IN_ARREARS",
        "repaymentType": "PRINCIPAL_AND_INTEREST",
        "loanPurpose": "OWNER_OCCUPIED"
      },
      {
        "rate": "0.1119",
        "calculationFrequency": "P1D",
        "applicationType": "PERIODIC",
        "applicationFrequency": "P1M",
        "additionalValue": "P7Y",
        "tiers": [
          {
            "name": ">65 - 70",
            "unitOfMeasure": "PERCENT",
            "minimumValue": "0.6501",
            "maximumValue": "0.7000",
            "rateApplicationMethod": "WHOLE_BALANCE"
          }
        ],
        "lendingRateType": "FIXED",
        "comparisonRate": "0.1113",
        "interestPaymentDue": "IN_ARREARS",
        "repaymentType": "PRINCIPAL_AND_INTEREST",
        "loanPurpose": "INVESTMENT"
      },
      {
        "rate": "0.1084",
        "calculationFrequency": "P1D",
        "applicationType": "PERIODIC",
        "applicationFrequency": "P1M",
        "additionalValue": "P7Y",
        "tiers": [
          {
            "name": ">70 - 75",
            "unitOfMeasure": "PERCENT",
            "minimumValue": "0.7001",
            "maximumValue": "0.7500",
            "rateApplicationMethod": "WHOLE_BALANCE"
          }
        ],
        "lendingRateType": "FIXED",
        "comparisonRate": "0.1078",
        "interestPaymentDue": "IN_ARREARS",
        "repaymentType": "PRINCIPAL_AND_INTEREST",
        "loanPurpose": "OWNER_OCCUPIED"
      },
      {
        "rate": "0.1119",
        "calculationFrequency": "P1D",
        "applicationType": "PERIODIC",
        "applicationFrequency": "P1M",
        "additionalValue": "P7Y",
        "tiers": [
          {
            "name": ">70 - 75",
            "unitOfMeasure": "PERCENT",
            "minimumValue": "0.7001",
            "maximumValue": "0.7500",
            "rateApplicationMethod": "WHOLE_BALANCE"
          }
        ],
        "lendingRateType": "FIXED",
        "comparisonRate": "0.1113",
        "interestPaymentDue": "IN_ARREARS",
        "repaymentType": "PRINCIPAL_AND_INTEREST",
        "loanPurpose": "INVESTMENT"
      },
      {
        "rate": "0.1114",
        "calculationFrequency": "P1D",
        "applicationType": "PERIODIC",
        "applicationFrequency": "P1M",
        "additionalValue": "P7Y",
        "tiers": [
          {
            "name": ">75 - 80",
            "unitOfMeasure": "PERCENT",
            "minimumValue": "0.7501",
            "maximumValue": "0.8000",
            "rateApplicationMethod": "WHOLE_BALANCE"
          }
        ],
        "lendingRateType": "FIXED",
        "comparisonRate": "0.1108",
        "interestPaymentDue": "IN_ARREARS",
        "repaymentType": "PRINCIPAL_AND_INTEREST",
        "loanPurpose": "OWNER_OCCUPIED"
      },
      {
        "rate": "0.1149",
        "calculationFrequency": "P1D",
        "applicationType": "PERIODIC",
        "applicationFrequency": "P1M",
        "additionalValue": "P7Y",
        "tiers": [
          {
            "name": ">75 - 80",
            "unitOfMeasure": "PERCENT",
            "minimumValue": "0.7501",
            "maximumValue": "0.8000",
            "rateApplicationMethod": "WHOLE_BALANCE"
          }
        ],
        "lendingRateType": "FIXED",
        "comparisonRate": "0.1144",
        "interestPaymentDue": "IN_ARREARS",
        "repaymentType": "PRINCIPAL_AND_INTEREST",
        "loanPurpose": "INVESTMENT"
      },
      {
        "rate": "0.1114",
        "calculationFrequency": "P1D",
        "applicationType": "PERIODIC",
        "applicationFrequency": "P1M",
        "additionalValue": "P10Y",
        "tiers": [
          {
            "name": "Up to 55",
            "unitOfMeasure": "PERCENT",
            "minimumValue": "0.0000",
            "maximumValue": "0.5500",
            "rateApplicationMethod": "WHOLE_BALANCE"
          }
        ],
        "lendingRateType": "FIXED",
        "comparisonRate": "0.1114",
        "interestPaymentDue": "IN_ARREARS",
        "repaymentType": "PRINCIPAL_AND_INTEREST",
        "loanPurpose": "OWNER_OCCUPIED"
      },
      {
        "rate": "0.1149",
        "calculationFrequency": "P1D",
        "applicationType": "PERIODIC",
        "applicationFrequency": "P1M",
        "additionalValue": "P10Y",
        "tiers": [
          {
            "name": "Up to 55",
            "unitOfMeasure": "PERCENT",
            "minimumValue": "0.0000",
            "maximumValue": "0.5500",
            "rateApplicationMethod": "WHOLE_BALANCE"
          }
        ],
        "lendingRateType": "FIXED",
        "comparisonRate": "0.1151",
        "interestPaymentDue": "IN_ARREARS",
        "repaymentType": "PRINCIPAL_AND_INTEREST",
        "loanPurpose": "INVESTMENT"
      },
      {
        "rate": "0.1114",
        "calculationFrequency": "P1D",
        "applicationType": "PERIODIC",
        "applicationFrequency": "P1M",
        "additionalValue": "P10Y",
        "tiers": [
          {
            "name": ">55 - 65",
            "unitOfMeasure": "PERCENT",
            "minimumValue": "0.5501",
            "maximumValue": "0.6500",
            "rateApplicationMethod": "WHOLE_BALANCE"
          }
        ],
        "lendingRateType": "FIXED",
        "comparisonRate": "0.1114",
        "interestPaymentDue": "IN_ARREARS",
        "repaymentType": "PRINCIPAL_AND_INTEREST",
        "loanPurpose": "OWNER_OCCUPIED"
      },
      {
        "rate": "0.1149",
        "calculationFrequency": "P1D",
        "applicationType": "PERIODIC",
        "applicationFrequency": "P1M",
        "additionalValue": "P10Y",
        "tiers": [
          {
            "name": ">55 - 65",
            "unitOfMeasure": "PERCENT",
            "minimumValue": "0.5501",
            "maximumValue": "0.6500",
            "rateApplicationMethod": "WHOLE_BALANCE"
          }
        ],
        "lendingRateType": "FIXED",
        "comparisonRate": "0.1151",
        "interestPaymentDue": "IN_ARREARS",
        "repaymentType": "PRINCIPAL_AND_INTEREST",
        "loanPurpose": "INVESTMENT"
      },
      {
        "rate": "0.1124",
        "calculationFrequency": "P1D",
        "applicationType": "PERIODIC",
        "applicationFrequency": "P1M",
        "additionalValue": "P10Y",
        "tiers": [
          {
            "name": ">65 - 70",
            "unitOfMeasure": "PERCENT",
            "minimumValue": "0.6501",
            "maximumValue": "0.7000",
            "rateApplicationMethod": "WHOLE_BALANCE"
          }
        ],
        "lendingRateType": "FIXED",
        "comparisonRate": "0.1124",
        "interestPaymentDue": "IN_ARREARS",
        "repaymentType": "PRINCIPAL_AND_INTEREST",
        "loanPurpose": "OWNER_OCCUPIED"
      },
      {
        "rate": "0.1159",
        "calculationFrequency": "P1D",
        "applicationType": "PERIODIC",
        "applicationFrequency": "P1M",
        "additionalValue": "P10Y",
        "tiers": [
          {
            "name": ">65 - 70",
            "unitOfMeasure": "PERCENT",
            "minimumValue": "0.6501",
            "maximumValue": "0.7000",
            "rateApplicationMethod": "WHOLE_BALANCE"
          }
        ],
        "lendingRateType": "FIXED",
        "comparisonRate": "0.1161",
        "interestPaymentDue": "IN_ARREARS",
        "repaymentType": "PRINCIPAL_AND_INTEREST",
        "loanPurpose": "INVESTMENT"
      },
      {
        "rate": "0.1124",
        "calculationFrequency": "P1D",
        "applicationType": "PERIODIC",
        "applicationFrequency": "P1M",
        "additionalValue": "P10Y",
        "tiers": [
          {
            "name": ">70 - 75",
            "unitOfMeasure": "PERCENT",
            "minimumValue": "0.7001",
            "maximumValue": "0.7500",
            "rateApplicationMethod": "WHOLE_BALANCE"
          }
        ],
        "lendingRateType": "FIXED",
        "comparisonRate": "0.1124",
        "interestPaymentDue": "IN_ARREARS",
        "repaymentType": "PRINCIPAL_AND_INTEREST",
        "loanPurpose": "OWNER_OCCUPIED"
      },
      {
        "rate": "0.1159",
        "calculationFrequency": "P1D",
        "applicationType": "PERIODIC",
        "applicationFrequency": "P1M",
        "additionalValue": "P10Y",
        "tiers": [
          {
            "name": ">70 - 75",
            "unitOfMeasure": "PERCENT",
            "minimumValue": "0.7001",
            "maximumValue": "0.7500",
            "rateApplicationMethod": "WHOLE_BALANCE"
          }
        ],
        "lendingRateType": "FIXED",
        "comparisonRate": "0.1161",
        "interestPaymentDue": "IN_ARREARS",
        "repaymentType": "PRINCIPAL_AND_INTEREST",
        "loanPurpose": "INVESTMENT"
      },
      {
        "rate": "0.1154",
        "calculationFrequency": "P1D",
        "applicationType": "PERIODIC",
        "applicationFrequency": "P1M",
        "additionalValue": "P10Y",
        "tiers": [
          {
            "name": ">75 - 80",
            "unitOfMeasure": "PERCENT",
            "minimumValue": "0.7501",
            "maximumValue": "0.8000",
            "rateApplicationMethod": "WHOLE_BALANCE"
          }
        ],
        "lendingRateType": "FIXED",
        "comparisonRate": "0.1155",
        "interestPaymentDue": "IN_ARREARS",
        "repaymentType": "PRINCIPAL_AND_INTEREST",
        "loanPurpose": "OWNER_OCCUPIED"
      },
      {
        "rate": "0.1189",
        "calculationFrequency": "P1D",
        "applicationType": "PERIODIC",
        "applicationFrequency": "P1M",
        "additionalValue": "P10Y",
        "tiers": [
          {
            "name": ">75 - 80",
            "unitOfMeasure": "PERCENT",
            "minimumValue": "0.7501",
            "maximumValue": "0.8000",
            "rateApplicationMethod": "WHOLE_BALANCE"
          }
        ],
        "lendingRateType": "FIXED",
        "comparisonRate": "0.1191",
        "interestPaymentDue": "IN_ARREARS",
        "repaymentType": "PRINCIPAL_AND_INTEREST",
        "loanPurpose": "INVESTMENT"
      }
    ]
  }
}