{
  "source": "https://public.cdr.qudosbank.com.au/cds-au/v1/banking/products/839c8344-d6dc-42c7-a068-8e7b0347ea35",
  "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": {
      "bundleUri": "https://www.qudosbank.com.au/products/home-loans/low-cost-home-loan-value-package",
      "eligibilityUri": "https://www.qudosbank.com.au/products/home-loans/low-cost-home-loan-value-package",
      "feesAndPricingUri": "https://www.qudosbank.com.au/products/home-loans/low-cost-home-loan-value-package",
      "overviewUri": "https://www.qudosbank.com.au/products/home-loans/low-cost-home-loan-value-package",
      "termsUri": "https://www.qudosbank.com.au/support/legal/new-to-bank-terms-and-conditions"
    },
    "applicationUri": "https://apply.qudosbank.com.au/NowApply/home",
    "brand": "QUDOS",
    "brandName": "Qudos Bank",
    "description": "Low Cost Home Loan Value Package",
    "effectiveFrom": "2010-02-28T13:30:00.000Z",
    "isTailored": false,
    "lastUpdated": "2026-05-19T22:00:27.264Z",
    "name": "Low Cost Value Package",
    "productCategory": "RESIDENTIAL_MORTGAGES",
    "productId": "839c8344-d6dc-42c7-a068-8e7b0347ea35",
    "fees": [
      {
        "name": "Redraw Fee",
        "additionalInfo": "Redraw is not available during the construction period.",
        "fixedAmount": {
          "amount": "0.00"
        },
        "feeType": "EVENT",
        "feeMethodUType": "fixedAmount"
      },
      {
        "name": "Account Keeping Fee",
        "additionalValue": "P1Y",
        "fixedAmount": {
          "amount": "0.00"
        },
        "feeType": "PERIODIC",
        "feeMethodUType": "fixedAmount"
      },
      {
        "name": "Establishment Fee",
        "fixedAmount": {
          "amount": "0.00"
        },
        "feeType": "UPFRONT",
        "feeMethodUType": "fixedAmount"
      },
      {
        "name": "Annual Fee",
        "additionalValue": "P1Y",
        "fixedAmount": {
          "amount": "199.00"
        },
        "feeType": "PERIODIC",
        "feeMethodUType": "fixedAmount"
      }
    ],
    "eligibility": [
      {
        "eligibilityType": "EMPLOYMENT_STATUS",
        "additionalValue": "Full time, Part Time, Casual, Self Employed"
      },
      {
        "additionalInfo": "18 years and above",
        "eligibilityType": "MIN_AGE",
        "additionalValue": "18"
      },
      {
        "eligibilityType": "NATURAL_PERSON"
      },
      {
        "additionalInfo": "Minimum deposit 10%",
        "eligibilityType": "OTHER"
      },
      {
        "eligibilityType": "RESIDENCY_STATUS",
        "additionalValue": "Customers who are Permanent Resident or Citizens may apply for the product"
      }
    ],
    "constraints": [
      {
        "additionalInfo": "Minimum amount $150K",
        "constraintType": "MIN_LIMIT",
        "additionalValue": "150000.00"
      },
      {
        "constraintType": "MIN_LVR",
        "additionalValue": "0"
      },
      {
        "constraintType": "MAX_LVR",
        "additionalValue": "0.9"
      }
    ],
    "features": [
      {
        "featureType": "OFFSET",
        "additionalInfo": "Free multiple offset accounts",
        "additionalValue": "Offset Accounts"
      },
      {
        "featureType": "OTHER",
        "additionalInfo": "Repayment holidays - when your repayments are in advance",
        "additionalValue": "Repayment Holidays"
      },
      {
        "featureType": "REDRAW",
        "additionalInfo": "Instant redraw available from within Online Banking",
        "additionalValue": "Redraw"
      },
      {
        "featureType": "EXTRA_REPAYMENTS",
        "additionalInfo": "need the flexibility to make additional repayments",
        "additionalValue": "Repayments"
      },
      {
        "featureType": "OTHER",
        "additionalInfo": "Visa Platinum Credit Card Annual fee waiver ($199)",
        "additionalValue": "Fee Waiver"
      },
      {
        "featureType": "OTHER",
        "additionalInfo": "Personal Loan & Overdraft application fee waiver ($150 each)",
        "additionalValue": "Application Fee Waiver"
      },
      {
        "featureType": "OTHER",
        "additionalInfo": "Split loans available"
      }
    ],
    "lendingRates": [
      {
        "lendingRateType": "VARIABLE",
        "applicationType": "PERIODIC",
        "tiers": [
          {
            "name": "30% deposit or more OO PI",
            "minimumValue": "0",
            "unitOfMeasure": "PERCENT",
            "maximumValue": "0.7",
            "rateApplicationMethod": "WHOLE_BALANCE"
          }
        ],
        "additionalInfoUri": "https://www.qudosbank.com.au/products/rates/home-loan-rates",
        "applicationFrequency": "P1M",
        "calculationFrequency": "P1D",
        "interestPaymentDue": "IN_ARREARS",
        "comparisonRate": "0.0632",
        "repaymentType": "PRINCIPAL_AND_INTEREST",
        "rate": "0.0613",
        "loanPurpose": "OWNER_OCCUPIED"
      },
      {
        "lendingRateType": "VARIABLE",
        "applicationType": "PERIODIC",
        "tiers": [
          {
            "name": "20% to 30% deposit OO PI",
            "minimumValue": "0.7001",
            "unitOfMeasure": "PERCENT",
            "maximumValue": "0.8",
            "rateApplicationMethod": "WHOLE_BALANCE"
          }
        ],
        "additionalInfoUri": "https://www.qudosbank.com.au/products/rates/home-loan-rates",
        "applicationFrequency": "P1M",
        "calculationFrequency": "P1D",
        "interestPaymentDue": "IN_ARREARS",
        "comparisonRate": "0.0636",
        "repaymentType": "PRINCIPAL_AND_INTEREST",
        "rate": "0.0618",
        "loanPurpose": "OWNER_OCCUPIED"
      },
      {
        "lendingRateType": "VARIABLE",
        "applicationType": "PERIODIC",
        "tiers": [
          {
            "name": "10% to 20% deposit OO PI",
            "minimumValue": "0.8001",
            "unitOfMeasure": "PERCENT",
            "maximumValue": "0.9",
            "rateApplicationMethod": "WHOLE_BALANCE"
          }
        ],
        "additionalInfoUri": "https://www.qudosbank.com.au/products/rates/home-loan-rates",
        "applicationFrequency": "P1M",
        "calculationFrequency": "P1D",
        "interestPaymentDue": "IN_ARREARS",
        "comparisonRate": "0.0657",
        "repaymentType": "PRINCIPAL_AND_INTEREST",
        "rate": "0.0639",
        "loanPurpose": "OWNER_OCCUPIED"
      },
      {
        "lendingRateType": "VARIABLE",
        "applicationType": "PERIODIC",
        "tiers": [
          {
            "name": "30% deposit or more OO IO",
            "minimumValue": "0",
            "unitOfMeasure": "PERCENT",
            "maximumValue": "0.7",
            "rateApplicationMethod": "WHOLE_BALANCE"
          }
        ],
        "additionalInfoUri": "https://www.qudosbank.com.au/products/rates/home-loan-rates",
        "applicationFrequency": "P1M",
        "calculationFrequency": "P1D",
        "interestPaymentDue": "IN_ARREARS",
        "comparisonRate": "0.0644",
        "repaymentType": "INTEREST_ONLY",
        "rate": "0.0638",
        "loanPurpose": "OWNER_OCCUPIED"
      },
      {
        "lendingRateType": "VARIABLE",
        "applicationType": "PERIODIC",
        "tiers": [
          {
            "name": "20% to 30% deposit OO IO",
            "minimumValue": "0.7001",
            "unitOfMeasure": "PERCENT",
            "maximumValue": "0.8",
            "rateApplicationMethod": "WHOLE_BALANCE"
          }
        ],
        "additionalInfoUri": "https://www.qudosbank.com.au/products/rates/home-loan-rates",
        "applicationFrequency": "P1M",
        "calculationFrequency": "P1D",
        "interestPaymentDue": "IN_ARREARS",
        "comparisonRate": "0.0646",
        "repaymentType": "INTEREST_ONLY",
        "rate": "0.0643",
        "loanPurpose": "OWNER_OCCUPIED"
      },
      {
        "lendingRateType": "VARIABLE",
        "applicationType": "PERIODIC",
        "tiers": [
          {
            "name": "10% to 20% deposit OO IO",
            "minimumValue": "0.8001",
            "unitOfMeasure": "PERCENT",
            "maximumValue": "0.9",
            "rateApplicationMethod": "WHOLE_BALANCE"
          }
        ],
        "additionalInfoUri": "https://www.qudosbank.com.au/products/rates/home-loan-rates",
        "applicationFrequency": "P1M",
        "calculationFrequency": "P1D",
        "interestPaymentDue": "IN_ARREARS",
        "comparisonRate": "0.0655",
        "repaymentType": "INTEREST_ONLY",
        "rate": "0.0664",
        "additionalInfo": "\n",
        "loanPurpose": "OWNER_OCCUPIED"
      },
      {
        "lendingRateType": "VARIABLE",
        "applicationType": "PERIODIC",
        "tiers": [
          {
            "name": "30% deposit or more Inv PI",
            "minimumValue": "0",
            "unitOfMeasure": "PERCENT",
            "maximumValue": "0.7",
            "rateApplicationMethod": "WHOLE_BALANCE"
          }
        ],
        "additionalInfoUri": "https://www.qudosbank.com.au/products/rates/home-loan-rates",
        "applicationFrequency": "P1M",
        "calculationFrequency": "P1D",
        "interestPaymentDue": "IN_ARREARS",
        "comparisonRate": "0.0647",
        "repaymentType": "PRINCIPAL_AND_INTEREST",
        "rate": "0.0629",
        "loanPurpose": "INVESTMENT"
      },
      {
        "lendingRateType": "VARIABLE",
        "applicationType": "PERIODIC",
        "tiers": [
          {
            "name": "20% to 30% deposit Inv PI",
            "minimumValue": "0.7001",
            "unitOfMeasure": "PERCENT",
            "maximumValue": "0.8",
            "rateApplicationMethod": "WHOLE_BALANCE"
          }
        ],
        "additionalInfoUri": "https://www.qudosbank.com.au/products/rates/home-loan-rates",
        "applicationFrequency": "P1M",
        "calculationFrequency": "P1D",
        "interestPaymentDue": "IN_ARREARS",
        "comparisonRate": "0.0652",
        "repaymentType": "PRINCIPAL_AND_INTEREST",
        "rate": "0.0634",
        "loanPurpose": "INVESTMENT"
      },
      {
        "lendingRateType": "VARIABLE",
        "applicationType": "PERIODIC",
        "tiers": [
          {
            "name": "10% to 20% deposit Inv PI",
            "minimumValue": "0.8001",
            "unitOfMeasure": "PERCENT",
            "maximumValue": "0.9",
            "rateApplicationMethod": "WHOLE_BALANCE"
          }
        ],
        "additionalInfoUri": "https://www.qudosbank.com.au/products/rates/home-loan-rates",
        "applicationFrequency": "P1M",
        "calculationFrequency": "P1D",
        "interestPaymentDue": "IN_ARREARS",
        "comparisonRate": "0.0687",
        "repaymentType": "PRINCIPAL_AND_INTEREST",
        "rate": "0.0669",
        "loanPurpose": "INVESTMENT"
      },
      {
        "lendingRateType": "VARIABLE",
        "applicationType": "PERIODIC",
        "tiers": [
          {
            "name": "30% deposit or more Inv IO",
            "minimumValue": "0",
            "unitOfMeasure": "PERCENT",
            "maximumValue": "0.7",
            "rateApplicationMethod": "WHOLE_BALANCE"
          }
        ],
        "additionalInfoUri": "https://www.qudosbank.com.au/products/rates/home-loan-rates",
        "applicationFrequency": "P1M",
        "calculationFrequency": "P1D",
        "interestPaymentDue": "IN_ARREARS",
        "comparisonRate": "0.066",
        "repaymentType": "INTEREST_ONLY",
        "rate": "0.0654",
        "loanPurpose": "INVESTMENT"
      },
      {
        "lendingRateType": "VARIABLE",
        "applicationType": "PERIODIC",
        "tiers": [
          {
            "name": "20% to 30% deposit Inv IO",
            "minimumValue": "0.7001",
            "unitOfMeasure": "PERCENT",
            "maximumValue": "0.8",
            "rateApplicationMethod": "WHOLE_BALANCE"
          }
        ],
        "additionalInfoUri": "https://www.qudosbank.com.au/products/rates/home-loan-rates",
        "applicationFrequency": "P1M",
        "calculationFrequency": "P1D",
        "interestPaymentDue": "IN_ARREARS",
        "comparisonRate": "0.0662",
        "repaymentType": "INTEREST_ONLY",
        "rate": "0.0659",
        "additionalInfo": "\n",
        "loanPurpose": "INVESTMENT"
      },
      {
        "lendingRateType": "VARIABLE",
        "applicationType": "PERIODIC",
        "tiers": [
          {
            "name": "10% to 20% deposit Inv IO",
            "minimumValue": "0.8001",
            "unitOfMeasure": "PERCENT",
            "maximumValue": "0.9",
            "rateApplicationMethod": "WHOLE_BALANCE"
          }
        ],
        "additionalInfoUri": "https://www.qudosbank.com.au/products/rates/home-loan-rates",
        "applicationFrequency": "P1M",
        "calculationFrequency": "P1D",
        "interestPaymentDue": "IN_ARREARS",
        "comparisonRate": "0.0677",
        "repaymentType": "INTEREST_ONLY",
        "rate": "0.0694",
        "loanPurpose": "INVESTMENT"
      }
    ]
  }
}