{
  "source": "https://secure.nicu.com.au/OpenBanking/cds-au/v1/banking/products/NICUL33V_PI",
  "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": "OTHER",
        "additionalInfo": "For owner occupied and investment homes, purchasing of vacant land (up to 200acres/80ha) and building a new home"
      },
      {
        "featureType": "COMPLEMENTARY_PRODUCT_DISCOUNTS",
        "additionalValue": "Classic Credit Card",
        "additionalInfo": "Optional Classic Credit Card with no annual card fee and a discounted rate for the life of the home loan",
        "additionalInfoUri": "https://www.nicu.com.au/banking/cards/visa-classic-credit-card"
      },
      {
        "featureType": "EXTRA_REPAYMENTS",
        "additionalInfo": "No restriction on amount of additional repayments you make"
      },
      {
        "featureType": "REDRAW",
        "additionalInfo": "Free redraw on additional repayments made. Minimum $500"
      },
      {
        "featureType": "OTHER",
        "additionalInfo": "Make weekly, fortnightly or monthly repayments"
      },
      {
        "featureType": "OFFSET",
        "additionalInfo": "100% Offset everyday transaction account available",
        "additionalInfoUri": "https://nicu.com.au/banking/everyday/smart-offset"
      },
      {
        "featureType": "DIGITAL_BANKING",
        "additionalInfo": "Secure banking 24/7 from your computer or mobile with Online Banking",
        "additionalInfoUri": "https://www.nicu.com.au/help-support/online-banking"
      },
      {
        "featureType": "DIGITAL_BANKING",
        "additionalInfo": "24/7 access to your accounts anywhere in the world with our smartPAY App. You can also temporarily block your card or report it lost or stolen.",
        "additionalInfoUri": "https://www.nicu.com.au/help-support/smartpay-app"
      }
    ],
    "constraints": [
      {
        "constraintType": "MIN_LIMIT",
        "additionalValue": "150000.00"
      },
      {
        "constraintType": "MAX_LIMIT",
        "additionalValue": "2000000.00"
      },
      {
        "constraintType": "MAX_LVR",
        "additionalValue": "90.00",
        "additionalInfo": "90% for new borrowing"
      },
      {
        "constraintType": "MAX_LVR",
        "additionalValue": "95.00",
        "additionalInfo": "95% for a first home buyer under the Australian Govt 5% Deposit Scheme"
      },
      {
        "constraintType": "MAX_LVR",
        "additionalValue": "98.00",
        "additionalInfo": "98% for a single parent or guardian under the Australian Govt 5% Deposit Scheme"
      }
    ],
    "eligibility": [
      {
        "eligibilityType": "OTHER",
        "additionalInfo": "Credit criteria and eligibility applies to all applicants. Terms and Conditions are available on application."
      },
      {
        "eligibilityType": "MIN_AGE",
        "additionalValue": "18"
      },
      {
        "eligibilityType": "RESIDENCY_STATUS",
        "additionalValue": "AU",
        "additionalInfo": "Individuals must be citizens or permanent residents of Australia."
      },
      {
        "eligibilityType": "NATURAL_PERSON",
        "additionalInfo": "Available for personal borrowers only"
      },
      {
        "eligibilityType": "OTHER",
        "additionalInfo": "Required if LVR above 80%"
      }
    ],
    "fees": [
      {
        "name": "ALTERNATE_SECURITY_MORTGAGE",
        "feeType": "EVENT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "300.00"
        },
        "feeCap": "0.00",
        "currency": "AUD",
        "additionalInfoUri": "https://www.nicu.com.au/ArticleDocuments/298/NICU_Fees_Charges.pdf.aspx"
      },
      {
        "name": "DISCHARGE_MORTGAGE",
        "feeType": "EVENT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "300.00"
        },
        "feeCap": "0.00",
        "currency": "AUD",
        "additionalInfoUri": "https://www.nicu.com.au/ArticleDocuments/298/NICU_Fees_Charges.pdf.aspx"
      },
      {
        "name": "FINAL_SEARCH",
        "feeType": "CASH_ADVANCE",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "0.00"
        },
        "feeCap": "0.00",
        "currency": "AUD",
        "additionalInfoUri": "https://www.nicu.com.au/ArticleDocuments/298/NICU_Fees_Charges.pdf.aspx"
      },
      {
        "name": "LATE_REPAYMENT_FEE",
        "feeType": "EVENT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "15.00"
        },
        "feeCap": "0.00",
        "currency": "AUD",
        "additionalInfoUri": "https://www.nicu.com.au/ArticleDocuments/298/NICU_Fees_Charges.pdf.aspx"
      },
      {
        "name": "MORTGAGE_CANCELLATION_FEE",
        "feeType": "EVENT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "150.00"
        },
        "feeCap": "0.00",
        "currency": "AUD",
        "additionalInfoUri": "https://www.nicu.com.au/ArticleDocuments/298/NICU_Fees_Charges.pdf.aspx"
      },
      {
        "name": "REGISTRATION_WITH_LRS",
        "feeType": "CASH_ADVANCE",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "0.00"
        },
        "feeCap": "0.00",
        "currency": "AUD",
        "additionalInfoUri": "https://www.nicu.com.au/ArticleDocuments/298/NICU_Fees_Charges.pdf.aspx"
      },
      {
        "name": "STAFF_TRANSFER",
        "feeType": "EVENT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "10.00"
        },
        "feeCap": "0.00",
        "currency": "AUD",
        "additionalInfoUri": "https://www.nicu.com.au/ArticleDocuments/298/NICU_Fees_Charges.pdf.aspx"
      },
      {
        "name": "MORTGAGE_VALUATION",
        "feeType": "CASH_ADVANCE",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "275.00"
        },
        "feeCap": "0.00",
        "currency": "AUD",
        "additionalInfo": "Valuation fee is variable depending on the location, size and type of property.",
        "additionalInfoUri": "https://www.nicu.com.au/ArticleDocuments/298/NICU_Fees_Charges.pdf.aspx"
      },
      {
        "name": "PEXA_ELCTRONIC_SETTLEMENT_AGENCY",
        "feeType": "CASH_ADVANCE",
        "feeMethodUType": "variable",
        "variable": {},
        "feeCap": "0.00",
        "currency": "AUD",
        "additionalInfo": "Fee is variable depending on number of titles and varies from state to state.",
        "additionalInfoUri": "https://www.nicu.com.au/ArticleDocuments/298/NICU_Fees_Charges.pdf.aspx"
      },
      {
        "name": "MORTGAGE_ANNUAL_FEE",
        "feeType": "PERIODIC",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "350.00"
        },
        "feeCap": "0.00",
        "currency": "AUD",
        "additionalValue": "P1Y",
        "additionalInfoUri": "https://www.nicu.com.au/ArticleDocuments/298/NICU_Fees_Charges.pdf.aspx"
      }
    ],
    "lendingRates": [
      {
        "lendingRateType": "VARIABLE",
        "rate": "0.0644",
        "comparisonRate": "0.0678",
        "calculationFrequency": "P1D",
        "applicationType": "PERIODIC",
        "applicationFrequency": "P1M",
        "repaymentType": "PRINCIPAL_AND_INTEREST",
        "loanPurpose": "OWNER_OCCUPIED",
        "additionalInfo": "Comparison Rate is calculated on a loan amount of $150,000 over 25 years based on monthly repayments. Different terms, fees or other loan amounts might result in a different comparison rate."
      }
    ],
    "productId": "NICUL33V_PI",
    "lastUpdated": "2026-06-19T11:39:12.000+10:00",
    "productCategory": "RESIDENTIAL_MORTGAGES",
    "name": "Dream Home Loan Variable PI Owner Occupied",
    "description": "A dream home loan package with a special rate and extra benefits. No establishment fee and a 100% offset account to help you save. Fixed or variable available.",
    "brand": "NORTHERN INLAND CREDIT UNION LTD.",
    "brandName": "NORTHERN INLAND CREDIT UNION LTD.",
    "applicationUri": "https://www.nicu.com.au/home-loans/home-loan-enquiry",
    "isTailored": false,
    "additionalInformation": {
      "overviewUri": "https://www.nicu.com.au/banking/home-loans/dream-value-home-loan",
      "feesAndPricingUri": "https://www.nicu.com.au/ArticleDocuments/298/NICU_Fees_Charges.pdf.aspx"
    }
  }
}