{
  "source": "https://api.policecu.com.au/OpenBanking/cds-au/v1/banking/products/OO_BHL_MAX_80_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": "DIGITAL_BANKING"
      },
      {
        "featureType": "NPP_ENABLED"
      },
      {
        "featureType": "NPP_PAYID"
      },
      {
        "featureType": "REDRAW"
      },
      {
        "featureType": "OFFSET"
      },
      {
        "featureType": "EXTRA_REPAYMENTS"
      }
    ],
    "constraints": [
      {
        "constraintType": "MIN_BALANCE",
        "additionalValue": "150000.00"
      }
    ],
    "eligibility": [
      {
        "eligibilityType": "RESIDENCY_STATUS"
      },
      {
        "eligibilityType": "MIN_AGE",
        "additionalValue": "18"
      }
    ],
    "fees": [
      {
        "name": "HOME_PROPERTY_CREDIT_PACKAGE_FEE",
        "feeType": "UPFRONT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "420.00"
        },
        "currency": "AUD",
        "additionalInfo": "is charged for establishing all home loans with the exception of Commercial Loans",
        "additionalInfoUri": "https://www.policecu.com.au/PCUDocuments/Fees_and_Charges_Home_Property_Credit.pdf",
        "discounts": [
          {
            "description": "Whole of pay to PCU",
            "discountType": "ELIGIBILITY_ONLY",
            "discountMethodUType": "fixedAmount",
            "fixedAmount": {
              "amount": "50.00"
            },
            "additionalInfo": "Discounts on package fees subject to Member having or meeting the criteria",
            "additionalInfoUri": "https://www.policecu.com.au/PCUDocuments/Fees_and_Charges_Home_Property_Credit.pdf"
          },
          {
            "description": "Visa Credit Card",
            "discountType": "ELIGIBILITY_ONLY",
            "discountMethodUType": "fixedAmount",
            "fixedAmount": {
              "amount": "50.00"
            },
            "additionalInfo": "Discounts on package fees subject to Member having or meeting the criteria",
            "additionalInfoUri": "https://www.policecu.com.au/PCUDocuments/Fees_and_Charges_Home_Property_Credit.pdf"
          },
          {
            "description": "General Insurance",
            "discountType": "ELIGIBILITY_ONLY",
            "discountMethodUType": "fixedAmount",
            "fixedAmount": {
              "amount": "50.00"
            },
            "additionalInfo": "Discounts on package fees subject to Member having or meeting the criteria",
            "additionalInfoUri": "https://www.policecu.com.au/PCUDocuments/Fees_and_Charges_Home_Property_Credit.pdf"
          },
          {
            "description": "10 years PCU membership",
            "discountType": "ELIGIBILITY_ONLY",
            "discountMethodUType": "fixedAmount",
            "fixedAmount": {
              "amount": "50.00"
            },
            "additionalInfo": "Discounts on package fees subject to Member having or meeting the criteria",
            "additionalInfoUri": "https://www.policecu.com.au/PCUDocuments/Fees_and_Charges_Home_Property_Credit.pdf"
          },
          {
            "description": "Savings / Investments held with PCU for 3mths or over",
            "discountType": "ELIGIBILITY_ONLY",
            "discountMethodUType": "fixedAmount",
            "fixedAmount": {
              "amount": "50.00"
            },
            "additionalInfo": "Discounts on package fees subject to Member having or meeting the criteria",
            "additionalInfoUri": "https://www.policecu.com.au/PCUDocuments/Fees_and_Charges_Home_Property_Credit.pdf"
          },
          {
            "description": "Former <18yr old Members",
            "discountType": "ELIGIBILITY_ONLY",
            "discountMethodUType": "fixedAmount",
            "fixedAmount": {
              "amount": "420.00"
            },
            "additionalInfo": "Discounts on package fees subject to Member having or meeting the criteria",
            "additionalInfoUri": "https://www.policecu.com.au/PCUDocuments/Fees_and_Charges_Home_Property_Credit.pdf"
          }
        ]
      },
      {
        "name": "APPLICATION_FEE_SPLIT_LOAN",
        "feeType": "UPFRONT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "50.00"
        },
        "currency": "AUD",
        "additionalInfo": "in addition to any other Application or Package Fee applicable to loan(s) in question",
        "additionalInfoUri": "https://www.policecu.com.au/PCUDocuments/Fees_and_Charges_Home_Property_Credit.pdf"
      },
      {
        "name": "APPLICATION_FEE_FURTHER_ADVANCE",
        "feeType": "UPFRONT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "275.00"
        },
        "currency": "AUD",
        "additionalInfoUri": "https://www.policecu.com.au/PCUDocuments/Fees_and_Charges_Home_Property_Credit.pdf"
      },
      {
        "name": "BANK_CHEQUE_FEE",
        "feeType": "PAYMENT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "12.00"
        },
        "currency": "AUD",
        "additionalInfo": "Per cheque - Purchase of a bank cheque for settlement",
        "additionalInfoUri": "https://www.policecu.com.au/PCUDocuments/Fees_and_Charges_Home_Property_Credit.pdf"
      },
      {
        "name": "CONVEYANCER'S_/_SOLICITOR'S_FEE",
        "feeType": "CASH_ADVANCE",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "141.64"
        },
        "currency": "AUD",
        "additionalInfo": "Per instrument - Outside of SA and NT as charged by Conveyancer/Solicitor. Covers preparation of mortgage documents, and attendance at settlement.",
        "additionalInfoUri": "https://www.policecu.com.au/PCUDocuments/Fees_and_Charges_Home_Property_Credit.pdf"
      },
      {
        "name": "REGISTRATION_FEE",
        "feeType": "CASH_ADVANCE",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "198.00"
        },
        "currency": "AUD",
        "additionalInfo": "Per instrument. Payable to register our interests as Mortgagee. Or alternatively, to remove the interest of another Financial Institution from the title.",
        "additionalInfoUri": "https://www.policecu.com.au/PCUDocuments/Fees_and_Charges_Home_Property_Credit.pdf"
      },
      {
        "name": "REGISTRATION_FEE_(NT)",
        "feeType": "CASH_ADVANCE",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "176.00"
        },
        "currency": "AUD",
        "additionalInfo": "Per instrument. Payable to register our interests as Mortgagee. Or alternatively, to remove the interest of another Financial Institution from the title.",
        "additionalInfoUri": "https://www.policecu.com.au/PCUDocuments/Fees_and_Charges_Home_Property_Credit.pdf"
      },
      {
        "name": "TITLE_SEARCH_(SA)",
        "feeType": "CASH_ADVANCE",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "35.50"
        },
        "currency": "AUD",
        "additionalInfo": "Per search - provides a copy of the title of the property",
        "additionalInfoUri": "https://www.policecu.com.au/PCUDocuments/Fees_and_Charges_Home_Property_Credit.pdf"
      },
      {
        "name": "TITLE_SEARCH_(NT)",
        "feeType": "CASH_ADVANCE",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "55.78"
        },
        "currency": "AUD",
        "additionalInfo": "Per Search - provides a copy of the title to the property",
        "additionalInfoUri": "https://www.policecu.com.au/PCUDocuments/Fees_and_Charges_Home_Property_Credit.pdf"
      },
      {
        "name": "DOCUMENT_SEARCH",
        "feeType": "CASH_ADVANCE",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "11.50"
        },
        "currency": "AUD",
        "additionalInfo": "Per search - provides a duplicate copy of a registered document from Property Assist",
        "additionalInfoUri": "https://www.policecu.com.au/PCUDocuments/Fees_and_Charges_Home_Property_Credit.pdf"
      },
      {
        "name": "VALUATION_FEE",
        "feeType": "CASH_ADVANCE",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "205.00"
        },
        "currency": "AUD",
        "additionalInfo": "From $205 - a fee charged to value the proposed security property for metropolitan area. Outside metropolitan area as charged by the valuer.",
        "additionalInfoUri": "https://www.policecu.com.au/PCUDocuments/Fees_and_Charges_Home_Property_Credit.pdf"
      },
      {
        "name": "VALUATION_FEE_(NT)",
        "feeType": "CASH_ADVANCE",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "205.00"
        },
        "currency": "AUD",
        "additionalInfo": "from $205.00, please see tier Valuation Fee for Property Value up to over $1,500,000",
        "additionalInfoUri": "https://www.policecu.com.au/PCUDocuments/Fees_and_Charges_Home_Property_Credit.pdf"
      },
      {
        "name": "ACCOUNT_SWEEP_FEE",
        "feeType": "TRANSACTION",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "5.00"
        },
        "currency": "AUD",
        "additionalInfo": "Charged at time of transfer - Payable whenever we transfer funds from one of your accounts to another (other than on your instructions) to cover payments arrears or amounts overdrawn.",
        "additionalInfoUri": "https://www.policecu.com.au/PCUDocuments/Fees_and_Charges_Home_Property_Credit.pdf"
      },
      {
        "name": "CAPITAL_VALUE_SEARCH",
        "feeType": "CASH_ADVANCE",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "0.00"
        },
        "currency": "AUD",
        "additionalInfoUri": "https://www.policecu.com.au/PCUDocuments/Fees_and_Charges_Home_Property_Credit.pdf"
      },
      {
        "name": "DEED_OF_PRIORITY_FEE",
        "feeType": "EVENT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "110.00"
        },
        "currency": "AUD",
        "additionalInfo": "Payable whenever we prepare a Deed of Priority.",
        "additionalInfoUri": "https://www.policecu.com.au/PCUDocuments/Fees_and_Charges_Home_Property_Credit.pdf"
      },
      {
        "name": "DEFAULT_FEE",
        "feeType": "EVENT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "15.00"
        },
        "currency": "AUD",
        "additionalInfo": "Payable whenever your repayments become in arrears by 15 days or more.",
        "additionalInfoUri": "https://www.policecu.com.au/PCUDocuments/Fees_and_Charges_Home_Property_Credit.pdf"
      },
      {
        "name": "DEMAND_FEE",
        "feeType": "EVENT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "50.00"
        },
        "currency": "AUD",
        "additionalInfo": "Payable whenever we send you a notice demanding that you remedy a default under your contract.",
        "additionalInfoUri": "https://www.policecu.com.au/PCUDocuments/Fees_and_Charges_Home_Property_Credit.pdf"
      },
      {
        "name": "DISHONOUR_FEE",
        "feeType": "EVENT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "15.00"
        },
        "currency": "AUD",
        "additionalInfo": "Payable whenever a direct debit, cheque or payment order to your account is declined or dishonoured.",
        "additionalInfoUri": "https://www.policecu.com.au/PCUDocuments/Fees_and_Charges_Home_Property_Credit.pdf"
      },
      {
        "name": "DOCUMENT_HANDLING_FEE",
        "feeType": "EVENT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "55.00"
        },
        "currency": "AUD",
        "additionalInfo": "Payable whenever we consent to registration of a subsequent dealing on the title.",
        "additionalInfoUri": "https://www.policecu.com.au/PCUDocuments/Fees_and_Charges_Home_Property_Credit.pdf"
      },
      {
        "name": "PROGRESSIVE_DRAWDOWN_FEE",
        "feeType": "EVENT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "500.00"
        },
        "currency": "AUD",
        "additionalInfo": "Payable when we make a number of progressive payments to fund your loan amount, typically for construction or major renovation finance. Payable upon initial disbursement of your loan.",
        "additionalInfoUri": "https://www.policecu.com.au/PCUDocuments/Fees_and_Charges_Home_Property_Credit.pdf"
      },
      {
        "name": "QUICK_DEBIT_DISHONOUR_FEE",
        "feeType": "EVENT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "15.00"
        },
        "currency": "AUD",
        "additionalInfo": "Payable whenever a scheduled Quick Debit order to your account is dishonoured.",
        "additionalInfoUri": "https://www.policecu.com.au/PCUDocuments/Fees_and_Charges_Home_Property_Credit.pdf"
      },
      {
        "name": "REPAYMENT_VARIATION_FEE",
        "feeType": "EVENT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "30.00"
        },
        "currency": "AUD",
        "additionalInfo": "Payable whenever we change your repayments at your request.",
        "additionalInfoUri": "https://www.policecu.com.au/PCUDocuments/Fees_and_Charges_Home_Property_Credit.pdf"
      },
      {
        "name": "VARIATION_OF_SECURITY_FEE",
        "feeType": "EVENT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "150.00"
        },
        "currency": "AUD",
        "additionalInfo": "Payable whenever we consent to the substitution of the mortgaged property.",
        "additionalInfoUri": "https://www.policecu.com.au/PCUDocuments/Fees_and_Charges_Home_Property_Credit.pdf"
      }
    ],
    "lendingRates": [
      {
        "lendingRateType": "VARIABLE",
        "rate": "0.0669",
        "comparisonRate": "0.0676",
        "calculationFrequency": "P1D",
        "applicationType": "UPFRONT",
        "interestPaymentDue": "IN_ADVANCE",
        "repaymentType": "PRINCIPAL_AND_INTEREST",
        "loanPurpose": "OWNER_OCCUPIED",
        "tiers": [
          {
            "name": "LVR <80%",
            "unitOfMeasure": "PERCENT",
            "minimumValue": "0.000001",
            "maximumValue": "0.800000",
            "rateApplicationMethod": "WHOLE_BALANCE"
          }
        ],
        "additionalInfoUri": "https://www.policecu.com.au/PCUDocuments/Fixed_and_Variable_Home_Rates.pdf"
      }
    ],
    "productCategory": "RESIDENTIAL_MORTGAGES",
    "productId": "OO_BHL_MAX_80_LVR",
    "lastUpdated": "2026-07-01T14:02:29.000+09:30",
    "name": "Better Home Loan 80% LVR - Owner Occupied",
    "description": "Better Home Loan 80% LVR - Owner Occupied",
    "brand": "POLICE CREDIT UNION LIMITED",
    "brandName": "POLICE CREDIT UNION LIMITED",
    "applicationUri": "https://www.policecu.com.au/PCUDocuments/Credit_Application_Form_New_Home_Loans_and_Refinance.pdf",
    "isTailored": false,
    "additionalInformation": {
      "overviewUri": "https://www.policecu.com.au/product-type/home-loans/",
      "termsUri": "https://www.policecu.com.au/rates/",
      "eligibilityUri": "https://www.policecu.com.au/rates/",
      "feesAndPricingUri": "https://www.policecu.com.au/PCUDocuments/Fees_and_Charges_Home_Property_Credit.pdf",
      "bundleUri": "https://www.policecu.com.au/rates/"
    }
  }
}