{
  "source": "https://public.cdr-api.queenslandcountry.bank/cds-au/v1/banking/products/77",
  "note": "Product Reference Data published by the data holder under the Consumer Data Right, as cached by this site (refreshed every 6 hours).",
  "data": {
    "productId": "77",
    "effectiveFrom": "2025-10-02T14:30:00.0000000Z",
    "lastUpdated": "2026-07-16T08:00:24.0755223Z",
    "productCategory": "BUSINESS_LOANS",
    "name": "Specialised Variable",
    "description": "Our Specialised Residential Loans are designed for purchase of residential property in company and company trustee entities, offering the flexibility and structure required to support tax-effective strategies and asset protection goals.",
    "brand": "Queensland Country Bank",
    "isTailored": false,
    "additionalInformation": {
      "overviewUri": "https://www.queenslandcountry.bank/business-banking/business-finance/specialised-residential-loans",
      "termsUri": "https://www.queenslandcountry.bank/siteassets/documents/brochures/brochure_account-access-facility.pdf",
      "feesAndPricingUri": "https://www.queenslandcountry.bank/siteassets/documents/brochures/brochure_fees-charges.pdf"
    },
    "bundles": [
      {
        "name": "ProductOwned-Package 1",
        "description": "Specialised Home Loan Waivers",
        "productIds": [
          "77",
          "78",
          "79",
          "80"
        ]
      }
    ],
    "features": [
      {
        "featureType": "COMPLEMENTARY_PRODUCT_DISCOUNTS",
        "additionalValue": "Business Platinum or Business Basic Access monthly fee and Business Visa My Rewards Credit Card Annual Fee waived while holding a Specialised Residential Loan. 10% discount on home and contents insurance through our insurance partner for the first year."
      },
      {
        "featureType": "DIGITAL_BANKING",
        "additionalInfo": "Account can be viewed in online banking and transfers into the account can be conducted."
      },
      {
        "featureType": "EXTRA_REPAYMENTS",
        "additionalInfo": "No penalties for extra repayments on variable rate loans"
      },
      {
        "featureType": "OFFSET",
        "additionalInfo": "One 100% Mortgage Offset account is available."
      },
      {
        "featureType": "OTHER",
        "additionalInfo": "No establishment fee or mortgage documentation fee for any Specialised Residential Loan under the same entity."
      },
      {
        "featureType": "OTHER",
        "additionalInfo": "Split Loan Available. Multiple loans with differing interest structures are available under the one Specialised Loan Fee"
      },
      {
        "featureType": "REDRAW",
        "additionalInfo": "Available on request in branch."
      }
    ],
    "constraints": [
      {
        "constraintType": "MAX_LVR",
        "additionalValue": "80.00",
        "additionalInfo": "Maximum loan to valuation ratio of 80%."
      },
      {
        "constraintType": "MIN_LIMIT",
        "additionalValue": "10000.00",
        "additionalInfo": "Minimum loan amount of $10,000."
      }
    ],
    "eligibility": [
      {
        "eligibilityType": "BUSINESS",
        "additionalInfo": "Only available to company or company trustee entity types."
      }
    ],
    "fees": [
      {
        "name": "Guarantee Document Fee",
        "feeType": "UPFRONT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "150.00"
        },
        "currency": "AUD",
        "additionalInfo": "Document Fee - Guarantee (charged when the Bank is required to prepare a guarantee to secure the amount of credit)"
      },
      {
        "name": "Company Search Fee",
        "feeType": "OTHER",
        "feeMethodUType": "variable",
        "variable": {},
        "currency": "AUD",
        "additionalInfo": "Price on Application"
      },
      {
        "name": "Mortgage Settlement Fee",
        "feeType": "EVENT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "450.00"
        },
        "currency": "AUD",
        "additionalInfo": "Payable on payout of your mortgage loan to prepare the release of mortgage - waived if paid out due to sale or with own funds"
      },
      {
        "name": "In Branch Redraw Fee",
        "feeType": "EVENT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "8.00"
        },
        "currency": "AUD",
        "additionalInfo": "Payable when redraw request is fulfilled."
      },
      {
        "name": "Online Redraw Fee",
        "feeType": "EVENT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "0.00"
        },
        "currency": "AUD",
        "additionalInfo": "$0 Redraw Fee Applies for Online Transactions"
      },
      {
        "name": "Val Fee - PropertyHub",
        "feeType": "UPFRONT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "50.00"
        },
        "currency": "AUD"
      },
      {
        "name": "Specialised Loan Fee",
        "feeType": "PERIODIC",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "450.00"
        },
        "currency": "AUD",
        "additionalValue": "P1Y",
        "additionalInfo": "Annual fee charged on loan funding and annually on anniversary of the commencement date.  If multiple loans are held, member can nominate applicable loan to be charged.",
        "discounts": [
          {
            "description": "Another eligibility criteria exists as described in the additionalInfo field",
            "discountType": "ELIGIBILITY_ONLY",
            "discountMethodUType": "rateBased",
            "rateBased": {
              "rateType": "FEE",
              "rate": "1.0",
              "amountRange": {}
            },
            "eligibility": [
              {
                "discountEligibilityType": "OTHER",
                "additionalInfo": "When multiple loans are held under the same entity, only 1 (one) Specialised Loan Fee is charged to the members nominated loan."
              }
            ]
          }
        ]
      },
      {
        "name": "Arrears Letter - Second Arrears Letter",
        "feeType": "EVENT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "40.00"
        },
        "currency": "AUD"
      },
      {
        "name": "Arrears Letter - Default Notice prior to Enforcement",
        "feeType": "EVENT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "70.00"
        },
        "currency": "AUD"
      }
    ],
    "lendingRates": [
      {
        "lendingRateType": "VARIABLE",
        "rate": "0.0624",
        "calculationFrequency": "P1D",
        "applicationType": "PERIODIC",
        "applicationFrequency": "P1M",
        "interestPaymentDue": "IN_ARREARS",
        "repaymentType": "PRINCIPAL_AND_INTEREST",
        "loanPurpose": "OTHER",
        "additionalInfo": "Specialised Residential Loan - Variable P&I Special. Available for lending up to 80% LVR.  May be withdrawn at any time before a loan contract is entered into."
      },
      {
        "lendingRateType": "VARIABLE",
        "rate": "0.0874",
        "calculationFrequency": "P1D",
        "applicationType": "PERIODIC",
        "applicationFrequency": "P1M",
        "interestPaymentDue": "IN_ARREARS",
        "repaymentType": "PRINCIPAL_AND_INTEREST",
        "loanPurpose": "OTHER",
        "additionalInfo": "Specialised Residential Loan - Standard Variable P&I. Available for lending up to 80% LVR."
      }
    ]
  }
}