{
  "source": "https://api.nrma.app.bendigobank.com.au/cds-au/v1/banking/products/cd514842-f20f-4c6b-b367-de9c3c83f2f8",
  "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": "cd514842-f20f-4c6b-b367-de9c3c83f2f8",
    "effectiveFrom": "2025-06-09T14:31:00Z",
    "lastUpdated": "2026-07-16T18:43:02+10:00",
    "productCategory": "RESIDENTIAL_MORTGAGES",
    "name": "NRMA Basic Home Loan",
    "description": "For customers looking for a simple, no frills home loan with low upfront fees and no ongoing fees.",
    "brand": "NRMA",
    "brandName": "NRMA Insurance",
    "isTailored": false,
    "additionalInformation": {
      "overviewUri": "https://www.nrma.com.au/home-loans",
      "feesAndPricingUri": "https://www.nrma.com.au/home-loans"
    },
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      {
        "featureType": "REDRAW",
        "additionalInfo": "Manual & Online redraw available "
      },
      {
        "featureType": "OTHER",
        "additionalInfo": "Monthly repayments only"
      },
      {
        "featureType": "EXTRA_REPAYMENTS",
        "additionalInfo": "Unlimited additional repayments if variable, Max $20,000 per fixed term year without penalty.  "
      }
    ],
    "constraints": [
      {
        "constraintType": "MIN_LIMIT",
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      },
      {
        "constraintType": "MAX_LVR",
        "additionalValue": "0.8"
      }
    ],
    "eligibility": [
      {
        "eligibilityType": "MIN_AGE",
        "additionalValue": "18"
      },
      {
        "eligibilityType": "OTHER",
        "additionalInfo": "Credit and Lending Criteria, Fees and Charges Apply"
      }
    ],
    "fees": [
      {
        "name": "Establishment Fee",
        "feeType": "UPFRONT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "150.00"
        }
      },
      {
        "name": "Application Fee",
        "feeType": "UPFRONT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "0.00"
        }
      },
      {
        "name": "Security Processing Fee",
        "feeType": "UPFRONT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
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        }
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      {
        "name": "Settlement Service Fee",
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        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "345.40"
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      {
        "name": "Monthly Service Fee",
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        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "0.00"
        },
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        "additionalInfo": "This fee is charged to cover the regular administration and servicing required for your loan\n"
      },
      {
        "name": "Bank Cheque Fee",
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        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
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        "name": "Online Redraw Fee",
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        "fixedAmount": {
          "amount": "0.00"
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      },
      {
        "name": "Manual Redraw Fee ",
        "feeType": "EVENT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "0.00"
        },
        "additionalInfo": "Payable each time we agree to a redraw request you make otherwise than through Bendigo e-banking"
      },
      {
        "name": "Duplicate Fee",
        "feeType": "EVENT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "16.50"
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      },
      {
        "name": "Default Fee",
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        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
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        }
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        "name": "Variation Fee ",
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      {
        "name": "Discharge Administration Fee",
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      {
        "name": "Break Cost Fee",
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        "additionalInfo": "Payable each time any of the following Break Events occur during a Fixed Rate Period: \n• at your request, we agree to change the Annual Percentage Rate under your Contract; \n• you repay your Loan Account balance in full; or \n• you make an additional repayment (by repaying more than your required repayments \nunder your Contract) where the total of all additional repayments you have made \nsince the start of the Fixed Rate Period or, if later, the anniversary of that date, that \nexceeds $20,000.00. "
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        ],
        "additionalInfo": " "
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      {
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        "interestPaymentDue": "IN_ARREARS",
        "repaymentType": "PRINCIPAL_AND_INTEREST",
        "loanPurpose": "INVESTMENT",
        "tiers": [
          {
            "name": "LVR",
            "unitOfMeasure": "PERCENT",
            "minimumValue": "0",
            "maximumValue": "0.8",
            "rateApplicationMethod": "WHOLE_BALANCE",
            "additionalInfo": "Borrowing up to 80% of the property value"
          }
        ],
        "additionalValue": "P5Y"
      },
      {
        "lendingRateType": "VARIABLE",
        "rate": "0.0667",
        "comparisonRate": "0.0651",
        "calculationFrequency": "P1D",
        "applicationType": "PERIODIC",
        "applicationFrequency": "P1M",
        "interestPaymentDue": "IN_ARREARS",
        "repaymentType": "INTEREST_ONLY",
        "loanPurpose": "INVESTMENT",
        "tiers": [
          {
            "name": "LVR",
            "unitOfMeasure": "PERCENT",
            "minimumValue": "0",
            "maximumValue": "0.5",
            "rateApplicationMethod": "WHOLE_BALANCE",
            "additionalInfo": "Borrowing up to 50% of the property value"
          }
        ]
      },
      {
        "lendingRateType": "VARIABLE",
        "rate": "0.0669",
        "comparisonRate": "0.0653",
        "calculationFrequency": "P1D",
        "applicationType": "PERIODIC",
        "applicationFrequency": "P1M",
        "interestPaymentDue": "IN_ARREARS",
        "repaymentType": "INTEREST_ONLY",
        "loanPurpose": "INVESTMENT",
        "tiers": [
          {
            "name": "LVR",
            "unitOfMeasure": "PERCENT",
            "minimumValue": "0.5001",
            "maximumValue": "0.6",
            "rateApplicationMethod": "WHOLE_BALANCE",
            "additionalInfo": "Borrowing over 50% to 60% of the property value"
          }
        ]
      },
      {
        "lendingRateType": "VARIABLE",
        "rate": "0.0674",
        "comparisonRate": "0.0658",
        "calculationFrequency": "P1D",
        "applicationType": "PERIODIC",
        "applicationFrequency": "P1M",
        "interestPaymentDue": "IN_ARREARS",
        "repaymentType": "INTEREST_ONLY",
        "loanPurpose": "INVESTMENT",
        "tiers": [
          {
            "name": "LVR",
            "unitOfMeasure": "PERCENT",
            "minimumValue": "0.6001",
            "maximumValue": "0.7",
            "rateApplicationMethod": "WHOLE_BALANCE",
            "additionalInfo": "Borrowing over 60% to 70% of the property value"
          }
        ]
      },
      {
        "lendingRateType": "VARIABLE",
        "rate": "0.0679",
        "comparisonRate": "0.0663",
        "calculationFrequency": "P1D",
        "applicationType": "PERIODIC",
        "applicationFrequency": "P1M",
        "interestPaymentDue": "IN_ARREARS",
        "repaymentType": "INTEREST_ONLY",
        "loanPurpose": "INVESTMENT",
        "tiers": [
          {
            "name": "LVR",
            "unitOfMeasure": "PERCENT",
            "minimumValue": "0.7001",
            "maximumValue": "0.8",
            "rateApplicationMethod": "WHOLE_BALANCE",
            "additionalInfo": "Borrowing over 70% to 80% of the property value"
          }
        ]
      },
      {
        "lendingRateType": "FIXED",
        "rate": "0.0674",
        "comparisonRate": "0.0651",
        "calculationFrequency": "P1D",
        "applicationType": "PERIODIC",
        "applicationFrequency": "P1M",
        "interestPaymentDue": "IN_ARREARS",
        "repaymentType": "INTEREST_ONLY",
        "loanPurpose": "INVESTMENT",
        "tiers": [
          {
            "name": "LVR",
            "unitOfMeasure": "PERCENT",
            "minimumValue": "0",
            "maximumValue": "0.8",
            "rateApplicationMethod": "WHOLE_BALANCE",
            "additionalInfo": "Borrowing up to 80% of the property value"
          }
        ],
        "additionalValue": "P1Y"
      },
      {
        "lendingRateType": "FIXED",
        "rate": "0.0679",
        "comparisonRate": "0.0655",
        "calculationFrequency": "P1D",
        "applicationType": "PERIODIC",
        "applicationFrequency": "P1M",
        "interestPaymentDue": "IN_ARREARS",
        "repaymentType": "INTEREST_ONLY",
        "loanPurpose": "INVESTMENT",
        "tiers": [
          {
            "name": "LVR",
            "unitOfMeasure": "PERCENT",
            "minimumValue": "0",
            "maximumValue": "0.8",
            "rateApplicationMethod": "WHOLE_BALANCE",
            "additionalInfo": "Borrowing up to 80% of the property value"
          }
        ],
        "additionalValue": "P2Y"
      },
      {
        "lendingRateType": "FIXED",
        "rate": "0.0674",
        "comparisonRate": "0.0656",
        "calculationFrequency": "P1D",
        "applicationType": "PERIODIC",
        "applicationFrequency": "P1M",
        "interestPaymentDue": "IN_ARREARS",
        "repaymentType": "INTEREST_ONLY",
        "loanPurpose": "INVESTMENT",
        "tiers": [
          {
            "name": "LVR",
            "unitOfMeasure": "PERCENT",
            "minimumValue": "0",
            "maximumValue": "0.8",
            "rateApplicationMethod": "WHOLE_BALANCE",
            "additionalInfo": "Borrowing up to 80% of the property value"
          }
        ],
        "additionalValue": "P3Y"
      },
      {
        "lendingRateType": "FIXED",
        "rate": "0.0679",
        "comparisonRate": "0.066",
        "calculationFrequency": "P1D",
        "applicationType": "PERIODIC",
        "applicationFrequency": "P1M",
        "interestPaymentDue": "IN_ARREARS",
        "repaymentType": "INTEREST_ONLY",
        "loanPurpose": "INVESTMENT",
        "tiers": [
          {
            "name": "LVR",
            "unitOfMeasure": "PERCENT",
            "minimumValue": "0",
            "maximumValue": "0.8",
            "rateApplicationMethod": "WHOLE_BALANCE",
            "additionalInfo": "Borrowing up to 80% of the property value"
          }
        ],
        "additionalValue": "P4Y"
      },
      {
        "lendingRateType": "FIXED",
        "rate": "0.0679",
        "comparisonRate": "0.0663",
        "calculationFrequency": "P1D",
        "applicationType": "PERIODIC",
        "applicationFrequency": "P1M",
        "interestPaymentDue": "IN_ARREARS",
        "repaymentType": "INTEREST_ONLY",
        "loanPurpose": "INVESTMENT",
        "tiers": [
          {
            "name": "LVR",
            "unitOfMeasure": "PERCENT",
            "minimumValue": "0",
            "maximumValue": "0.8",
            "rateApplicationMethod": "WHOLE_BALANCE",
            "additionalInfo": "Borrowing up to 80% of the property value"
          }
        ],
        "additionalValue": "P5Y"
      }
    ]
  }
}