{
  "source": "https://public.cdr-paramount.thinktank.au/cds-au/v1/banking/products/733b8252-fb59-4a4a-a49b-0f9eb1ed855b",
  "note": "Product Reference Data published by the data holder under the Consumer Data Right, as cached by this site (refreshed every 6 hours).",
  "data": {
    "additionalInformation": {
      "additionalFeesAndPricingUris": [
        {
          "additionalInfoUri": "https://qrco.de/ParamountCompilation"
        }
      ],
      "feesAndPricingUri": "https://qrco.de/bgfiia"
    },
    "brand": "Paramount Edge",
    "brandName": "Paramount Edge",
    "constraints": [
      {
        "additionalInfo": "Loans start from $100K",
        "additionalValue": "100000.00",
        "constraintType": "MIN_LIMIT"
      },
      {
        "additionalInfo": "Up to $10M, subject to approval",
        "additionalValue": "10000000.00",
        "constraintType": "MAX_LIMIT"
      },
      {
        "additionalInfo": "LVRs and pricing vary by location",
        "additionalValue": "Postcode Rules",
        "constraintType": "OTHER"
      }
    ],
    "description": "Flexible commercial lending for business, owners and property investors.",
    "eligibility": [
      {
        "additionalValue": "Property investors and owner occupiers operating a business in the property.",
        "eligibilityType": "NATURAL_PERSON"
      },
      {
        "additionalInfo": "Borrowers must be 18 years or older at application.",
        "additionalValue": "18",
        "eligibilityType": "MIN_AGE"
      },
      {
        "additionalValue": "Business including sole traders, partnerships, trusts and registered companies.",
        "eligibilityType": "BUSINESS"
      },
      {
        "additionalInfo": "Loan must meet lending policy and criteria.",
        "additionalValue": "Subject to lending criteria.",
        "eligibilityType": "OTHER"
      }
    ],
    "features": [
      {
        "additionalInfo": "Digital access to customer portal to view and manage loans.",
        "featureType": "DIGITAL_BANKING"
      },
      {
        "additionalInfo": "Guarantors permitted, subject to credit approval.",
        "featureType": "GUARANTOR"
      },
      {
        "additionalInfo": "Available for variable rate loans, enabling access to extra or early payments made to an eligible loan.",
        "featureType": "REDRAW"
      },
      {
        "additionalInfo": "Available for variable rate loans, enabling access to extra or early payments made to an eligible loan. Offset facility running balance provided as part of loan statement.",
        "featureType": "OFFSET"
      },
      {
        "additionalInfo": "Extra or early repayments permitted for eligible variable rate loans.",
        "featureType": "EXTRA_REPAYMENTS"
      }
    ],
    "fees": [
      {
        "additionalInfo": "Multiple establishment fee structure available, GST applicable in addition to rate %.",
        "additionalInfoUri": "https://qrco.de/bgfiia",
        "currency": "AUD",
        "feeMethodUType": "rateBased",
        "feeType": "UPFRONT",
        "name": "Establishment Fee",
        "rateBased": {
          "amountRange": {
            "feeMinimum": "1100.00"
          },
          "rate": "0.0095",
          "rateType": "BALANCE"
        }
      },
      {
        "additionalInfo": "This fee covers legal services and varies depending on transaction complexity.",
        "additionalInfoUri": "https://qrco.de/bgfiia",
        "currency": "AUD",
        "feeMethodUType": "variable",
        "feeType": "UPFRONT",
        "name": "Legal Fee",
        "variable": {}
      },
      {
        "additionalInfo": "Valuation fees depend on property type and location.",
        "additionalInfoUri": "https://qrco.de/bgfiia",
        "currency": "AUD",
        "feeMethodUType": "variable",
        "feeType": "UPFRONT",
        "name": "Valuation Fee",
        "variable": {}
      },
      {
        "additionalInfo": "Title insurance may apply in certain cases.",
        "additionalInfoUri": "https://qrco.de/bgfiia",
        "currency": "AUD",
        "feeMethodUType": "variable",
        "feeType": "UPFRONT",
        "name": "Title Insurance",
        "variable": {}
      },
      {
        "additionalInfo": "A fixed settlement fee is charged when the loan is settled.",
        "additionalInfoUri": "https://qrco.de/bgfiia",
        "currency": "AUD",
        "feeMethodUType": "fixedAmount",
        "feeType": "UPFRONT",
        "fixedAmount": {
          "amount": "495.00"
        },
        "name": "Settlement Fee"
      },
      {
        "additionalInfo": "Covers the administrative process for full or partial discharge of security, plus any legal fees.",
        "additionalInfoUri": "https://qrco.de/bgfiia",
        "currency": "AUD",
        "feeMethodUType": "fixedAmount",
        "feeType": "EXIT",
        "fixedAmount": {
          "amount": "950.00"
        },
        "name": "Discharge Fee"
      }
    ],
    "isTailored": false,
    "lastUpdated": "2026-07-08T15:00:14Z",
    "lendingRates": [
      {
        "additionalInfo": "Commercial Full Doc – Minimum Starting Rate for commercial loans.",
        "additionalInfoUri": "https://qrco.de/ParamountCompilation",
        "applicationFrequency": "P1M",
        "applicationType": "PERIODIC",
        "calculationFrequency": "P1D",
        "lendingRateType": "VARIABLE",
        "loanPurpose": "UNCONSTRAINED",
        "rate": "0.0784",
        "repaymentType": "PRINCIPAL_AND_INTEREST"
      },
      {
        "additionalInfo": "Commercial Mid Doc – Minimum Starting Rate for commercial loans.",
        "additionalInfoUri": "https://qrco.de/ParamountCompilation",
        "applicationFrequency": "P1M",
        "applicationType": "PERIODIC",
        "calculationFrequency": "P1D",
        "lendingRateType": "VARIABLE",
        "loanPurpose": "UNCONSTRAINED",
        "rate": "0.0859",
        "repaymentType": "PRINCIPAL_AND_INTEREST"
      },
      {
        "additionalInfo": "Commercial Quick Doc – Minimum Starting Rate for commercial loans.",
        "additionalInfoUri": "https://qrco.de/ParamountCompilation",
        "applicationFrequency": "P1M",
        "applicationType": "PERIODIC",
        "calculationFrequency": "P1D",
        "lendingRateType": "VARIABLE",
        "loanPurpose": "UNCONSTRAINED",
        "rate": "0.0899",
        "repaymentType": "PRINCIPAL_AND_INTEREST"
      },
      {
        "additionalInfo": "Commercial Lease Doc – Minimum Starting Rate for commercial loans.",
        "additionalInfoUri": "https://qrco.de/ParamountCompilation",
        "applicationFrequency": "P1M",
        "applicationType": "PERIODIC",
        "calculationFrequency": "P1D",
        "lendingRateType": "VARIABLE",
        "loanPurpose": "INVESTMENT",
        "rate": "0.081",
        "repaymentType": "PRINCIPAL_AND_INTEREST"
      },
      {
        "additionalInfo": "Commercial SMSF – Minimum Starting Rate for commercial loans.",
        "additionalInfoUri": "https://qrco.de/ParamountCompilation",
        "applicationFrequency": "P1M",
        "applicationType": "PERIODIC",
        "calculationFrequency": "P1D",
        "lendingRateType": "VARIABLE",
        "loanPurpose": "INVESTMENT",
        "rate": "0.0759",
        "repaymentType": "PRINCIPAL_AND_INTEREST"
      },
      {
        "additionalInfo": "GST Loan – Minimum Starting Rate for GST Loan.",
        "additionalInfoUri": "https://qrco.de/ParamountCompilation",
        "applicationFrequency": "P1M",
        "applicationType": "PERIODIC",
        "calculationFrequency": "P1D",
        "lendingRateType": "VARIABLE",
        "loanPurpose": "UNCONSTRAINED",
        "rate": "0.1459",
        "repaymentType": "PRINCIPAL_AND_INTEREST"
      }
    ],
    "name": "Commercial Loan",
    "productCategory": "BUSINESS_LOANS",
    "productId": "733b8252-fb59-4a4a-a49b-0f9eb1ed855b"
  }
}