{
  "source": "https://api.policecu.com.au/OpenBanking/cds-au/v1/banking/products/SEC_RES_TERM_LOAN",
  "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"
      }
    ],
    "eligibility": [
      {
        "eligibilityType": "RESIDENCY_STATUS"
      },
      {
        "eligibilityType": "MIN_AGE",
        "additionalValue": "18"
      },
      {
        "eligibilityType": "BUSINESS"
      }
    ],
    "fees": [
      {
        "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": "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": "BUSINESS_BANKING_CONVEYANCER'S/SOLICITORS_FEE",
        "feeType": "EVENT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "350.00"
        },
        "currency": "AUD",
        "additionalInfo": "Covers preparation of mortgage documents,",
        "additionalInfoUri": "https://www.policecu.com.au/PCUDocuments/Fees_and_Charges_Business_Banking_Credit.pdf"
      },
      {
        "name": "BUSINESS_BANKING_FURTHER_ADVANCE_FEE",
        "feeType": "UPFRONT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "500.00"
        },
        "currency": "AUD",
        "additionalInfoUri": "https://www.policecu.com.au/PCUDocuments/Fees_and_Charges_Business_Banking_Credit.pdf"
      },
      {
        "name": "BUSINESS_BANKING_VARIATION_OF_SECURITY_FEE",
        "feeType": "EVENT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "250.00"
        },
        "currency": "AUD",
        "additionalInfo": "Payable when ever we consent to the substitution of the mortgaged property.",
        "additionalInfoUri": "https://www.policecu.com.au/PCUDocuments/Fees_and_Charges_Business_Banking_Credit.pdf"
      },
      {
        "name": "COMMERCIAL_LOAN_APPLICATION_FEES",
        "feeType": "UPFRONT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "500.00"
        },
        "currency": "AUD",
        "additionalInfoUri": "https://www.policecu.com.au/PCUDocuments/Fees_and_Charges_Business_Banking_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": "DISCHARGE_OF_MORTGAGE_FEE/SECURITY_DISCHARGE_ADMIN_FEE",
        "feeType": "EVENT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "150.00"
        },
        "currency": "AUD",
        "additionalInfo": "Administration cost payable whenever we prepare to discarge a mortage at your request."
      },
      {
        "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_PREPARATION_FEE",
        "feeType": "EVENT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "150.00"
        },
        "currency": "AUD",
        "additionalInfo": "Payable whenever we prepare more than three documents.",
        "additionalInfoUri": "https://www.policecu.com.au/PCUDocuments/Fees_and_Charges_Business_Banking_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": "RENEGOTIATION/REVIEW_FEE",
        "feeType": "EVENT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "500.00"
        },
        "currency": "AUD",
        "additionalInfo": "Payable whenever we renegotiate, vary or review your loan facilities.",
        "additionalInfoUri": "https://www.policecu.com.au/PCUDocuments/Fees_and_Charges_Business_Banking_Credit.pdf"
      },
      {
        "name": "VOUCHER/DOCUMENT_SEARCH_FEE",
        "feeType": "UPFRONT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "20.00"
        },
        "currency": "AUD",
        "additionalInfo": "Payable per search",
        "additionalInfoUri": "https://www.policecu.com.au/PCUDocuments/Fees_and_Charges_Business_Banking_Credit.pdf"
      },
      {
        "name": "WRITTEN_NOTICE_FEE",
        "feeType": "EVENT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "25.00"
        },
        "currency": "AUD",
        "additionalInfo": "Payable whenever we send you a notice that your repayments are in arrears or your account is overdrawn.",
        "additionalInfoUri": "https://www.policecu.com.au/PCUDocuments/Fees_and_Charges_Business_Banking_Credit.pdf"
      }
    ],
    "lendingRates": [
      {
        "lendingRateType": "VARIABLE",
        "rate": "0.074",
        "calculationFrequency": "P1D",
        "applicationType": "UPFRONT",
        "interestPaymentDue": "IN_ADVANCE",
        "repaymentType": "PRINCIPAL_AND_INTEREST",
        "loanPurpose": "INVESTMENT",
        "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": "BUSINESS_LOANS",
    "productId": "SEC_RES_TERM_LOAN",
    "lastUpdated": "2026-05-26T14:02:09.000+09:30",
    "name": "Secured Residential Term Loan",
    "description": "Secured Residential Term Loan",
    "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/business-lending/",
      "termsUri": "https://www.policecu.com.au/rates/",
      "eligibilityUri": "https://www.policecu.com.au/rates/",
      "feesAndPricingUri": "https://www.policecu.com.au/PCUDocuments/Fees_and_Charges_Business_Banking_Credit.pdf",
      "bundleUri": "https://www.policecu.com.au/rates/"
    }
  }
}