{
  "source": "https://openbanking.movebank.com.au/OpenBanking/cds-au/v1/banking/products/OffsetHomeLoan_OwnerOccupied_PandI_90to95_LVR",
  "note": "Product Reference Data published by the data holder under the Consumer Data Right, as cached by this site (refreshed every 6 hours).",
  "data": {
    "features": [
      {
        "featureType": "REDRAW",
        "additionalInfo": "Unlimited free redraw"
      },
      {
        "featureType": "OTHER",
        "additionalInfo": "Fortnightly or monthly repayment options"
      },
      {
        "featureType": "OFFSET",
        "additionalInfo": "100% offset account"
      },
      {
        "featureType": "EXTRA_REPAYMENTS"
      },
      {
        "featureType": "OTHER",
        "additionalInfo": "Split Loan"
      }
    ],
    "constraints": [
      {
        "constraintType": "OPENING_BALANCE",
        "additionalValue": "100000.00",
        "additionalInfo": "Minimum loan amount $100,000"
      },
      {
        "constraintType": "MAX_BALANCE",
        "additionalValue": "3000000.00",
        "additionalInfo": "Maximum loan amount $3,000,000"
      }
    ],
    "eligibility": [
      {
        "eligibilityType": "OTHER",
        "additionalInfo": "Max 80% LVR without LMI"
      },
      {
        "eligibilityType": "OTHER",
        "additionalInfo": "Max 95% LVR with LMI"
      }
    ],
    "fees": [
      {
        "name": "HOME_LOAN_ESTABLISHMENT_FEE",
        "feeType": "UPFRONT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "600.00"
        },
        "currency": "AUD",
        "additionalInfoUri": "https://movebank.com.au/tools-support/fees-charges/"
      },
      {
        "name": "DISHCHARGE_FEE",
        "feeType": "EXIT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "350.00"
        },
        "currency": "AUD",
        "additionalInfoUri": "https://movebank.com.au/tools-support/fees-charges/"
      }
    ],
    "lendingRates": [
      {
        "lendingRateType": "VARIABLE",
        "rate": "0.0649",
        "comparisonRate": "0.0654",
        "calculationFrequency": "P1D",
        "applicationType": "PERIODIC",
        "applicationFrequency": "P1M",
        "interestPaymentDue": "IN_ADVANCE",
        "repaymentType": "PRINCIPAL_AND_INTEREST",
        "loanPurpose": "OWNER_OCCUPIED",
        "additionalInfoUri": "https://movebank.com.au/quick-links/interest-rates/"
      }
    ],
    "productId": "OffsetHomeLoan_OwnerOccupied_PandI_90to95_LVR",
    "effectiveFrom": "2024-02-19T00:00:00.000+10:00",
    "lastUpdated": "2026-06-01T08:14:33.000+10:00",
    "productCategory": "RESIDENTIAL_MORTGAGES",
    "name": "Offset Home Loan Owner Occupied PandI 90-95 LVR",
    "description": "Offset Home Loan Owner Occupied PandI 90-95 LVR",
    "brand": "MOVE Bank (Railways Credit Union Lt",
    "brandName": "MOVE Bank (Railways Credit Union Lt",
    "applicationUri": "https://movebank.com.au/forms/home-loan-application/",
    "isTailored": false,
    "additionalInformation": {
      "overviewUri": "https://movebank.com.au/our-home-loans/all-home-loans/offset-variable-home-loan/",
      "eligibilityUri": "https://movebank.com.au/our-home-loans/all-home-loans/offset-variable-home-loan/",
      "feesAndPricingUri": "https://movebank.com.au/quick-links/fees-charges/"
    }
  }
}