{
  "source": "https://banking.qbank.com.au/openbanking/cds-au/v1/banking/products/1YearFixedHomeLoan",
  "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": "EXTRA_REPAYMENTS",
        "additionalInfo": "No penalty for extra repayments up to $30,000.00"
      },
      {
        "featureType": "OTHER",
        "additionalInfo": "No monthly fees"
      },
      {
        "featureType": "INSURANCE",
        "additionalValue": "20% off a new home insurance policy"
      },
      {
        "featureType": "OTHER",
        "additionalInfo": "We've got your valuation and mortgage legal fees covered up to the value of $700"
      },
      {
        "featureType": "REDRAW",
        "additionalInfo": "Free online redraw for P&I loans"
      },
      {
        "featureType": "OTHER",
        "additionalInfo": "Split Loan"
      }
    ],
    "constraints": [
      {
        "constraintType": "MIN_LIMIT",
        "additionalValue": "150000.00"
      }
    ],
    "eligibility": [
      {
        "eligibilityType": "MIN_AGE",
        "additionalValue": "18"
      },
      {
        "eligibilityType": "NATURAL_PERSON"
      },
      {
        "eligibilityType": "RESIDENCY_STATUS",
        "additionalValue": "Permanent Australian residents or Australian citizens",
        "additionalInfo": "Residing in Australia or overseas, where the security provided is in Australia"
      }
    ],
    "fees": [
      {
        "name": "HOME_LOAN_ESTABLISHMENT_FEE",
        "feeType": "UPFRONT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "700.00"
        },
        "currency": "AUD",
        "additionalInfo": "waived on the classic plus package"
      },
      {
        "name": "STANDARD_SETTLEMENT_FEE",
        "feeType": "UPFRONT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "195.00"
        },
        "currency": "AUD",
        "additionalInfo": "Applies once only per standard loan facility and waived on the classic plus package."
      },
      {
        "name": "CONSTRUCTION_SETTLEMENT_FEE",
        "feeType": "UPFRONT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "295.00"
        },
        "currency": "AUD",
        "additionalInfo": "Applies once only per construction loan facility"
      },
      {
        "name": "SPLIT_LOAN_FEE",
        "feeType": "EVENT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "25.00"
        },
        "currency": "AUD",
        "additionalInfo": "Applies per additional loan split and waived on the classic plus package"
      },
      {
        "name": "FIXED_INTEREST_RATE_CAP_FEE",
        "feeType": "EVENT",
        "feeMethodUType": "rateBased",
        "rateBased": {
          "rateType": "BALANCE",
          "rate": "0.0015",
          "amountRange": {}
        },
        "currency": "AUD",
        "additionalInfo": "Payable if you wish to lock a fixed interest rate at the time of application for 60 days. The fee is deducted from loan proceeds at settlement."
      },
      {
        "name": "PAPER_REDRAW_FEE",
        "feeType": "EVENT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "25.00"
        },
        "currency": "AUD",
        "additionalInfo": "Payable at each manual redraw; electronic redraws are free via QBANK Internet Banking"
      }
    ],
    "lendingRates": [
      {
        "lendingRateType": "FIXED",
        "rate": "0.0679",
        "comparisonRate": "0.0833",
        "calculationFrequency": "P1D",
        "applicationType": "PERIODIC",
        "applicationFrequency": "P1M",
        "interestPaymentDue": "IN_ARREARS",
        "repaymentType": "UNCONSTRAINED",
        "loanPurpose": "INVESTMENT",
        "tiers": [
          {
            "name": "LVR <95%",
            "unitOfMeasure": "PERCENT",
            "minimumValue": "0.000000",
            "maximumValue": "0.949999",
            "rateApplicationMethod": "WHOLE_BALANCE"
          }
        ],
        "additionalValue": "P1Y"
      },
      {
        "lendingRateType": "FIXED",
        "rate": "0.0659",
        "comparisonRate": "0.0794",
        "calculationFrequency": "P1D",
        "applicationType": "PERIODIC",
        "applicationFrequency": "P1M",
        "interestPaymentDue": "IN_ARREARS",
        "repaymentType": "PRINCIPAL_AND_INTEREST",
        "loanPurpose": "OWNER_OCCUPIED",
        "tiers": [
          {
            "name": "LVR <95%",
            "unitOfMeasure": "PERCENT",
            "minimumValue": "0.000000",
            "maximumValue": "0.949999",
            "rateApplicationMethod": "WHOLE_BALANCE"
          }
        ],
        "additionalValue": "P1Y"
      }
    ],
    "productId": "1YearFixedHomeLoan",
    "lastUpdated": "2026-05-22T10:31:03.000+10:00",
    "productCategory": "RESIDENTIAL_MORTGAGES",
    "name": "1 Year Fixed Home Loan",
    "description": "1 Year Fixed Home Loan",
    "brand": "QBANK",
    "brandName": "QBANK",
    "applicationUri": "https://www.qbank.com.au/apply-online",
    "isTailored": false,
    "additionalInformation": {
      "overviewUri": "https://qbank.com.au/loans-credit-cards/home-loans/home-loan-options/",
      "termsUri": "https://www.qbank.com.au/other-content/general-information-terms-conditions/",
      "eligibilityUri": "https://www.qbank.com.au/membership/who-can-join/",
      "feesAndPricingUri": "https://www.qbank.com.au/rates-fees"
    }
  }
}