{
  "source": "https://public.cdr.mystate.com.au/cds-au/v1/banking/products/b83165c5-e1bc-4c08-9de0-4443be5ca14d",
  "note": "Product Reference Data published by the data holder under the Consumer Data Right, as cached by this site (refreshed every 6 hours).",
  "data": {
    "brand": "MYSTATE",
    "description": "MyState offers a premium variable rate product for customers seeking a home loan in excess of $100,000.\n\n\n\nIf you're buying or building your own home, a residential investment property, a block of land, looking to refinance your home loan from another lender or simply topping up your existing home loan with MyState, now is the time to take advantage of this great offer. And deposits are eligible for Parental Guarantee.",
    "isTailored": false,
    "lastUpdated": "2026-06-30T07:57:24.423283Z",
    "name": "Special Residential Variable Loan",
    "productCategory": "RESIDENTIAL_MORTGAGES",
    "productId": "b83165c5-e1bc-4c08-9de0-4443be5ca14d",
    "additionalInformation": {
      "overviewUri": "https://mystate.com.au/home-loans/special-residential-home-loan/",
      "termsUri": "https://mystate.com.au/home-loans/special-residential-home-loan/",
      "eligibilityUri": "https://mystate.com.au/home-loans/special-residential-home-loan/",
      "feesAndPricingUri": "https://mystate.com.au/legal/",
      "bundleUri": null,
      "additionalOverviewUris": null,
      "additionalTermsUris": null,
      "additionalEligibilityUris": null,
      "additionalFeesAndPricingUris": null,
      "additionalBundleUris": null
    },
    "applicationUri": "https://mystate.com.au/home-loans/appointment-request/",
    "brandName": "My State PM Production",
    "cardArt": [],
    "effectiveFrom": null,
    "effectiveTo": null,
    "bundles": [],
    "constraints": [
      {
        "constraintType": "MIN_BALANCE",
        "additionalInfo": "A $100,000 minimum balance is required for all Basic \n and Special Residential Variable loans",
        "additionalInfoUri": null,
        "additionalValue": "100000.00"
      }
    ],
    "depositRates": [],
    "eligibility": [
      {
        "eligibilityType": "RESIDENCY_STATUS",
        "additionalInfo": null,
        "additionalInfoUri": "https://mystate.com.au/home-loans/",
        "additionalValue": "An Australian citizen or permanent resident"
      },
      {
        "eligibilityType": "MIN_AGE",
        "additionalInfo": "A customer is or older than 18 years of age",
        "additionalInfoUri": "https://mystate.com.au/home-loans/",
        "additionalValue": "18"
      }
    ],
    "features": [
      {
        "featureType": "DIGITAL_BANKING",
        "additionalInfo": "Just another way you can connect your money with your lifestyle. From banking easily on the go with the MyState Bank App, or at home through Internet Banking, to making faster payments with digital wallets or PayID, there are more ways than ever to access your money. Keeping your bank accounts safe is a key priority for us, so you can be confident starting today.",
        "additionalInfoUri": "https://mystate.com.au/bank-accounts/online-banking/",
        "additionalValue": null
      },
      {
        "featureType": "OTHER",
        "additionalInfo": "What is Lenders Mortgage Insurance? Also known as LMI, this is insurance that generally protects the lender in the event you default on your repayments. This insurance is required if you're borrowing more than 80% of the property value.",
        "additionalInfoUri": "https://mystate.com.au/help-centre/what-is-lenders-mortgage-insurance/",
        "additionalValue": null
      },
      {
        "featureType": "OFFSET",
        "additionalInfo": "Our Offset Account is an everyday access account attached to your home loan. Your account balance is 100% offset against your linked Home Loan before the interest is calculated. So you pay less. The interest you save with an Offset Account can be huge over the life of the loan, and you can help shorten your loan term by years.",
        "additionalInfoUri": "https://mystate.com.au/bank-accounts/transaction-accounts/offset-account/",
        "additionalValue": null
      },
      {
        "featureType": "REDRAW",
        "additionalInfo": "Access any extra repayments you have made above your minimum monthly repayment requirement.",
        "additionalInfoUri": "https://mystate.com.au/help-centre/home-loan-redraw/",
        "additionalValue": null
      },
      {
        "featureType": "EXTRA_REPAYMENTS",
        "additionalInfo": "Additional repayments. Make unlimited additional repayments",
        "additionalInfoUri": "https://mystate.com.au/home-loans/special-residential-home-loan/",
        "additionalValue": null
      }
    ],
    "fees": [
      {
        "feeType": "UPFRONT",
        "name": "Settlement Fee",
        "accrualFrequency": null,
        "accruedRate": null,
        "additionalInfo": null,
        "additionalInfoUri": "https://mystate.com.au/wp-content/uploads/lending_fees_charges.pdf",
        "additionalValue": null,
        "amount": "350.00",
        "balanceRate": null,
        "currency": "AUD",
        "discounts": [],
        "transactionRate": null
      },
      {
        "feeType": "UPFRONT",
        "name": "Additional Valuation Fee (per each additional security)",
        "accrualFrequency": null,
        "accruedRate": null,
        "additionalInfo": null,
        "additionalInfoUri": "https://mystate.com.au/wp-content/uploads/lending_fees_charges.pdf",
        "additionalValue": null,
        "amount": "200.00",
        "balanceRate": null,
        "currency": "AUD",
        "discounts": [],
        "transactionRate": null
      },
      {
        "feeType": "EVENT",
        "name": "Title production",
        "accrualFrequency": null,
        "accruedRate": null,
        "additionalInfo": "Payable upon a request to produce the certificate of title.",
        "additionalInfoUri": "https://mystate.com.au/wp-content/uploads/lending_fees_charges.pdf",
        "additionalValue": null,
        "amount": "150.00",
        "balanceRate": null,
        "currency": "AUD",
        "discounts": [],
        "transactionRate": null
      },
      {
        "feeType": "EVENT",
        "name": "Letter of Variation",
        "accrualFrequency": null,
        "accruedRate": null,
        "additionalInfo": "Payable on approval of each variation under this loan contract.",
        "additionalInfoUri": "https://mystate.com.au/wp-content/uploads/lending_fees_charges.pdf",
        "additionalValue": null,
        "amount": "150.00",
        "balanceRate": null,
        "currency": "AUD",
        "discounts": [],
        "transactionRate": null
      },
      {
        "feeType": "EVENT",
        "name": "Copy of Title",
        "accrualFrequency": null,
        "accruedRate": null,
        "additionalInfo": "Payable upon a request to provide a copy of the certificate of Title",
        "additionalInfoUri": "https://mystate.com.au/wp-content/uploads/lending_fees_charges.pdf",
        "additionalValue": null,
        "amount": "30.00",
        "balanceRate": null,
        "currency": "AUD",
        "discounts": [],
        "transactionRate": null
      },
      {
        "feeType": "EVENT",
        "name": "Subsequent dealing",
        "accrualFrequency": null,
        "accruedRate": null,
        "additionalInfo": "Payable on a request for each consent given or subsequent dealing request approved under this loan contract.",
        "additionalInfoUri": "https://mystate.com.au/wp-content/uploads/lending_fees_charges.pdf",
        "additionalValue": null,
        "amount": "150.00",
        "balanceRate": null,
        "currency": "AUD",
        "discounts": [],
        "transactionRate": null
      },
      {
        "feeType": "EVENT",
        "name": "Mortgage discharge",
        "accrualFrequency": null,
        "accruedRate": null,
        "additionalInfo": "Payable on discharge of security",
        "additionalInfoUri": "https://mystate.com.au/wp-content/uploads/lending_fees_charges.pdf",
        "additionalValue": null,
        "amount": "380.00",
        "balanceRate": null,
        "currency": "AUD",
        "discounts": [],
        "transactionRate": null
      },
      {
        "feeType": "EVENT",
        "name": "Dishonour and Rejection fee (per dishonour)",
        "accrualFrequency": null,
        "accruedRate": null,
        "additionalInfo": "Whenever a payment to your loan account is dishonoured or rejected.",
        "additionalInfoUri": "https://mystate.com.au/wp-content/uploads/lending_fees_charges.pdf",
        "additionalValue": null,
        "amount": "5.00",
        "balanceRate": null,
        "currency": "AUD",
        "discounts": [],
        "transactionRate": null
      },
      {
        "feeType": "EVENT",
        "name": "Cheques deposited and dishonoured (per cheque)",
        "accrualFrequency": null,
        "accruedRate": null,
        "additionalInfo": "Whenever a cheque deposited to your loan account is dishonoured",
        "additionalInfoUri": "https://mystate.com.au/wp-content/uploads/lending_fees_charges.pdf",
        "additionalValue": null,
        "amount": "20.00",
        "balanceRate": null,
        "currency": "AUD",
        "discounts": [],
        "transactionRate": null
      },
      {
        "feeType": "UPFRONT",
        "name": "Establishment Fee - Increase to existing mortgage loans",
        "accrualFrequency": null,
        "accruedRate": null,
        "additionalInfo": null,
        "additionalInfoUri": "https://mystate.com.au/wp-content/uploads/lending_fees_charges.pdf",
        "additionalValue": null,
        "amount": "350.00",
        "balanceRate": null,
        "currency": "AUD",
        "discounts": [],
        "transactionRate": null
      },
      {
        "feeType": "EVENT",
        "name": "Arrears Administration Fee",
        "accrualFrequency": null,
        "accruedRate": null,
        "additionalInfo": "Payable on the seventh and the fourteenth day the account relating to the loan contract remains in arrears. (For older contracts, different frequencies may apply. Please refer to your contract).",
        "additionalInfoUri": "https://mystate.com.au/wp-content/uploads/lending_fees_charges.pdf",
        "additionalValue": null,
        "amount": "30.00",
        "balanceRate": null,
        "currency": "AUD",
        "discounts": [],
        "transactionRate": null
      },
      {
        "feeType": "EVENT",
        "name": "Overdrawn Administration Fee",
        "accrualFrequency": null,
        "accruedRate": null,
        "additionalInfo": null,
        "additionalInfoUri": "https://mystate.com.au/wp-content/uploads/lending_fees_charges.pdf",
        "additionalValue": null,
        "amount": "30.00",
        "balanceRate": null,
        "currency": "AUD",
        "discounts": [],
        "transactionRate": null
      },
      {
        "feeType": "EVENT",
        "name": "Other default notices",
        "accrualFrequency": null,
        "accruedRate": null,
        "additionalInfo": null,
        "additionalInfoUri": "https://mystate.com.au/wp-content/uploads/lending_fees_charges.pdf",
        "additionalValue": null,
        "amount": "30.00",
        "balanceRate": null,
        "currency": "AUD",
        "discounts": [],
        "transactionRate": null
      },
      {
        "feeType": "EVENT",
        "name": "Non-insurance Renewal Service expense",
        "accrualFrequency": null,
        "accruedRate": null,
        "additionalInfo": null,
        "additionalInfoUri": "https://mystate.com.au/wp-content/uploads/lending_fees_charges.pdf",
        "additionalValue": null,
        "amount": "25.00",
        "balanceRate": null,
        "currency": "AUD",
        "discounts": [],
        "transactionRate": null
      },
      {
        "feeType": "UPFRONT",
        "name": "Establishment Fee",
        "accrualFrequency": null,
        "accruedRate": null,
        "additionalInfo": null,
        "additionalInfoUri": "https://mystate.com.au/wp-content/uploads/lending_fees_charges.pdf",
        "additionalValue": null,
        "amount": "300.00",
        "balanceRate": null,
        "currency": "AUD",
        "discounts": [],
        "transactionRate": null
      },
      {
        "feeType": "EVENT",
        "name": "Fixed Rate Lock In Fee.",
        "accrualFrequency": "null",
        "accruedRate": null,
        "additionalInfo": "Applicable to fixed rate loans only. $395 or 0.15% of loan amount, whichever is greater.\nThe Fixed Rate Lock In Fee enables Home Loan applicants to ‘lock’ the\nfixed interest rate applying at the date of application for up to 90 days.\nThe Fixed Rate Lock In Fee is to be paid by the loan applicant(s) at the\ntime of the loan application. The Fixed Rate Lock In Fee will be refunded in\nthe event the loan does not proceed to funding.",
        "additionalInfoUri": "https://mystate.com.au/wp-content/uploads/lending_fees_charges.pdf",
        "additionalValue": null,
        "amount": null,
        "balanceRate": "0.0015",
        "currency": "AUD",
        "discounts": [],
        "transactionRate": null
      },
      {
        "feeType": "EVENT",
        "name": "Mortgage preparation",
        "accrualFrequency": null,
        "accruedRate": null,
        "additionalInfo": "Payable on the preparation of each new mortgage over the goods or property required to secure this loan contract",
        "additionalInfoUri": "https://mystate.com.au/wp-content/uploads/lending_fees_charges.pdf",
        "additionalValue": null,
        "amount": "95.00",
        "balanceRate": null,
        "currency": "AUD",
        "discounts": [],
        "transactionRate": null
      },
      {
        "feeType": "EVENT",
        "name": "Progressive draw (per draw)",
        "accrualFrequency": null,
        "accruedRate": null,
        "additionalInfo": "Payable on an approval of each progressive draw request.",
        "additionalInfoUri": "https://mystate.com.au/wp-content/uploads/lending_fees_charges.pdf",
        "additionalValue": null,
        "amount": "150.00",
        "balanceRate": null,
        "currency": "AUD",
        "discounts": [],
        "transactionRate": null
      },
      {
        "feeType": "EVENT",
        "name": "Switch Fee",
        "accrualFrequency": null,
        "accruedRate": null,
        "additionalInfo": "Payable on any switch between different interest rate types (for example, a switch from a variable interest rate to a fixed interest rate or to a different type of variable interest rate, or a switch from a fixed interest rate to a variable interest rate).",
        "additionalInfoUri": "https://mystate.com.au/wp-content/uploads/lending_fees_charges.pdf",
        "additionalValue": null,
        "amount": "150.00",
        "balanceRate": null,
        "currency": "AUD",
        "discounts": [],
        "transactionRate": null
      },
      {
        "feeType": "EVENT",
        "name": "Demand notices",
        "accrualFrequency": null,
        "accruedRate": null,
        "additionalInfo": null,
        "additionalInfoUri": "https://mystate.com.au/wp-content/uploads/lending_fees_charges.pdf",
        "additionalValue": null,
        "amount": "30.00",
        "balanceRate": null,
        "currency": "AUD",
        "discounts": [],
        "transactionRate": null
      }
    ],
    "lendingRates": [
      {
        "lendingRateType": "VARIABLE",
        "rate": "0.0609",
        "additionalInfo": null,
        "additionalInfoUri": "https://mystate.com.au/wp-content/uploads/rates_lending.pdf",
        "additionalValue": null,
        "applicationFrequency": "P1M",
        "calculationFrequency": "P1D",
        "comparisonRate": "0.0614",
        "interestPaymentDue": "IN_ARREARS",
        "loanPurpose": "OWNER_OCCUPIED",
        "repaymentType": "PRINCIPAL_AND_INTEREST",
        "tiers": [
          {
            "minimumValue": 0.71,
            "name": "LVR <=80%",
            "unitOfMeasure": "PERCENT",
            "additionalInfo": null,
            "additionalInfoUri": null,
            "applicabilityConditions": null,
            "maximumValue": 0.8,
            "rateApplicationMethod": "WHOLE_BALANCE"
          }
        ]
      },
      {
        "lendingRateType": "VARIABLE",
        "rate": "0.0639",
        "additionalInfo": null,
        "additionalInfoUri": "https://mystate.com.au/wp-content/uploads/rates_lending.pdf",
        "additionalValue": null,
        "applicationFrequency": "P1M",
        "calculationFrequency": "P1D",
        "comparisonRate": "0.0644",
        "interestPaymentDue": "IN_ARREARS",
        "loanPurpose": "INVESTMENT",
        "repaymentType": "INTEREST_ONLY",
        "tiers": [
          {
            "minimumValue": 0.71,
            "name": "LVR <=80%",
            "unitOfMeasure": "PERCENT",
            "additionalInfo": null,
            "additionalInfoUri": null,
            "applicabilityConditions": null,
            "maximumValue": 0.8,
            "rateApplicationMethod": "WHOLE_BALANCE"
          }
        ]
      },
      {
        "lendingRateType": "VARIABLE",
        "rate": "0.0739",
        "additionalInfo": null,
        "additionalInfoUri": "https://mystate.com.au/wp-content/uploads/rates_lending.pdf",
        "additionalValue": null,
        "applicationFrequency": "P1M",
        "calculationFrequency": "P1D",
        "comparisonRate": "0.0744",
        "interestPaymentDue": "IN_ARREARS",
        "loanPurpose": "INVESTMENT",
        "repaymentType": "PRINCIPAL_AND_INTEREST",
        "tiers": [
          {
            "minimumValue": 0.91,
            "name": "LVR <=95%",
            "unitOfMeasure": "PERCENT",
            "additionalInfo": null,
            "additionalInfoUri": null,
            "applicabilityConditions": null,
            "maximumValue": 0.95,
            "rateApplicationMethod": "WHOLE_BALANCE"
          }
        ]
      },
      {
        "lendingRateType": "VARIABLE",
        "rate": "0.0624",
        "additionalInfo": null,
        "additionalInfoUri": "https://mystate.com.au/wp-content/uploads/rates_lending.pdf",
        "additionalValue": null,
        "applicationFrequency": "P1M",
        "calculationFrequency": "P1D",
        "comparisonRate": "0.0629",
        "interestPaymentDue": "IN_ARREARS",
        "loanPurpose": "INVESTMENT",
        "repaymentType": "PRINCIPAL_AND_INTEREST",
        "tiers": [
          {
            "minimumValue": 0,
            "name": "LVR <=60%",
            "unitOfMeasure": "PERCENT",
            "additionalInfo": null,
            "additionalInfoUri": null,
            "applicabilityConditions": null,
            "maximumValue": 0.6,
            "rateApplicationMethod": "WHOLE_BALANCE"
          }
        ]
      },
      {
        "lendingRateType": "VARIABLE",
        "rate": "0.0664",
        "additionalInfo": null,
        "additionalInfoUri": "https://mystate.com.au/wp-content/uploads/rates_lending.pdf",
        "additionalValue": null,
        "applicationFrequency": "P1M",
        "calculationFrequency": "P1D",
        "comparisonRate": "0.0669",
        "interestPaymentDue": "IN_ARREARS",
        "loanPurpose": "INVESTMENT",
        "repaymentType": "PRINCIPAL_AND_INTEREST",
        "tiers": [
          {
            "minimumValue": 0.81,
            "name": "LVR <=90%",
            "unitOfMeasure": "PERCENT",
            "additionalInfo": null,
            "additionalInfoUri": null,
            "applicabilityConditions": null,
            "maximumValue": 0.9,
            "rateApplicationMethod": "WHOLE_BALANCE"
          }
        ]
      },
      {
        "lendingRateType": "VARIABLE",
        "rate": "0.0639",
        "additionalInfo": null,
        "additionalInfoUri": "https://mystate.com.au/wp-content/uploads/rates_lending.pdf",
        "additionalValue": null,
        "applicationFrequency": "P1M",
        "calculationFrequency": "P1D",
        "comparisonRate": "0.0644",
        "interestPaymentDue": "IN_ARREARS",
        "loanPurpose": "INVESTMENT",
        "repaymentType": "INTEREST_ONLY",
        "tiers": [
          {
            "minimumValue": 0,
            "name": "LVR <=60%",
            "unitOfMeasure": "PERCENT",
            "additionalInfo": null,
            "additionalInfoUri": null,
            "applicabilityConditions": null,
            "maximumValue": 0.6,
            "rateApplicationMethod": "WHOLE_BALANCE"
          }
        ]
      },
      {
        "lendingRateType": "VARIABLE",
        "rate": "0.0624",
        "additionalInfo": null,
        "additionalInfoUri": "https://mystate.com.au/wp-content/uploads/rates_lending.pdf",
        "additionalValue": null,
        "applicationFrequency": "P1M",
        "calculationFrequency": "P1D",
        "comparisonRate": "0.0629",
        "interestPaymentDue": "IN_ARREARS",
        "loanPurpose": "INVESTMENT",
        "repaymentType": "PRINCIPAL_AND_INTEREST",
        "tiers": [
          {
            "minimumValue": 0.71,
            "name": "LVR <=80%",
            "unitOfMeasure": "PERCENT",
            "additionalInfo": null,
            "additionalInfoUri": null,
            "applicabilityConditions": null,
            "maximumValue": 0.8,
            "rateApplicationMethod": "WHOLE_BALANCE"
          }
        ]
      },
      {
        "lendingRateType": "VARIABLE",
        "rate": "0.0739",
        "additionalInfo": null,
        "additionalInfoUri": "https://mystate.com.au/wp-content/uploads/rates_lending.pdf",
        "additionalValue": null,
        "applicationFrequency": "P1M",
        "calculationFrequency": "P1D",
        "comparisonRate": "0.0744",
        "interestPaymentDue": "IN_ARREARS",
        "loanPurpose": "OWNER_OCCUPIED",
        "repaymentType": "PRINCIPAL_AND_INTEREST",
        "tiers": [
          {
            "minimumValue": 0.91,
            "name": "LVR <=100%",
            "unitOfMeasure": "PERCENT",
            "additionalInfo": null,
            "additionalInfoUri": null,
            "applicabilityConditions": null,
            "maximumValue": 1,
            "rateApplicationMethod": "WHOLE_BALANCE"
          }
        ]
      },
      {
        "lendingRateType": "VARIABLE",
        "rate": "0.0674",
        "additionalInfo": null,
        "additionalInfoUri": "https://mystate.com.au/wp-content/uploads/rates_lending.pdf",
        "additionalValue": null,
        "applicationFrequency": "P1M",
        "calculationFrequency": "P1D",
        "comparisonRate": "0.0679",
        "interestPaymentDue": "IN_ARREARS",
        "loanPurpose": "INVESTMENT",
        "repaymentType": "INTEREST_ONLY",
        "tiers": [
          {
            "minimumValue": 0.881,
            "name": "LVR <=90%",
            "unitOfMeasure": "PERCENT",
            "additionalInfo": null,
            "additionalInfoUri": null,
            "applicabilityConditions": null,
            "maximumValue": 0.9,
            "rateApplicationMethod": "WHOLE_BALANCE"
          }
        ]
      },
      {
        "lendingRateType": "VARIABLE",
        "rate": "0.0639",
        "additionalInfo": null,
        "additionalInfoUri": "https://mystate.com.au/wp-content/uploads/rates_lending.pdf",
        "additionalValue": null,
        "applicationFrequency": "P1M",
        "calculationFrequency": "P1D",
        "comparisonRate": "0.0644",
        "interestPaymentDue": "IN_ARREARS",
        "loanPurpose": "OWNER_OCCUPIED",
        "repaymentType": "PRINCIPAL_AND_INTEREST",
        "tiers": [
          {
            "minimumValue": 0.81,
            "name": "LVR <=90%",
            "unitOfMeasure": "PERCENT",
            "additionalInfo": null,
            "additionalInfoUri": null,
            "applicabilityConditions": null,
            "maximumValue": 0.9,
            "rateApplicationMethod": "WHOLE_BALANCE"
          }
        ]
      },
      {
        "lendingRateType": "VARIABLE",
        "rate": "0.0609",
        "additionalInfo": null,
        "additionalInfoUri": "https://mystate.com.au/wp-content/uploads/rates_lending.pdf",
        "additionalValue": null,
        "applicationFrequency": "P1M",
        "calculationFrequency": "P1D",
        "comparisonRate": "0.0614",
        "interestPaymentDue": "IN_ARREARS",
        "loanPurpose": "OWNER_OCCUPIED",
        "repaymentType": "PRINCIPAL_AND_INTEREST",
        "tiers": [
          {
            "minimumValue": 0,
            "name": "LVR <=60%",
            "unitOfMeasure": "PERCENT",
            "additionalInfo": null,
            "additionalInfoUri": null,
            "applicabilityConditions": null,
            "maximumValue": 0.6,
            "rateApplicationMethod": "WHOLE_BALANCE"
          }
        ]
      },
      {
        "lendingRateType": "VARIABLE",
        "rate": "0.0649",
        "additionalInfo": null,
        "additionalInfoUri": "https://mystate.com.au/wp-content/uploads/rates_lending.pdf",
        "additionalValue": null,
        "applicationFrequency": "P1M",
        "calculationFrequency": "P1D",
        "comparisonRate": "0.0654",
        "interestPaymentDue": "IN_ARREARS",
        "loanPurpose": "OWNER_OCCUPIED",
        "repaymentType": "INTEREST_ONLY",
        "tiers": [
          {
            "minimumValue": 0,
            "name": "LVR <=80%",
            "unitOfMeasure": "PERCENT",
            "additionalInfo": null,
            "additionalInfoUri": null,
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