{
  "source": "https://digital-api.stgeorge.com.au/cds-au/v1/banking/products/STGConstructionLoan",
  "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": "STGConstructionLoan",
    "lastUpdated": "2026-05-08T04:04:04Z",
    "productCategory": "BUSINESS_LOANS",
    "name": "Construction Loan",
    "description": "Our Construction Loan offers flexible finance options to suit the needs of property developers.",
    "brand": "St. George Bank",
    "isTailored": false,
    "additionalInformation": {
      "overviewUri": "https://www.stgeorge.com.au/corporate-business/business-finance-solutions#construction",
      "termsUri": "https://www.stgeorge.com.au/corporate-business/business-finance-solutions#construction",
      "eligibilityUri": "https://www.stgeorge.com.au/corporate-business/business-finance-solutions#construction",
      "feesAndPricingUri": "https://www.stgeorge.com.au/corporate-business/business-finance-solutions#construction"
    },
    "features": [
      {
        "featureType": "OTHER",
        "additionalInfo": "Our property finance specialists will work with you to create and implement customised finance solutions from the ground up."
      },
      {
        "featureType": "OTHER",
        "additionalInfo": "Our team includes local lenders whose expertise can provide valuable insights for both developers and investors."
      },
      {
        "featureType": "OTHER",
        "additionalInfo": "An 'Approval in Principle' property loan can help ensure you never miss an opportunity."
      },
      {
        "featureType": "OTHER",
        "additionalInfo": "We can arrange for interest capitalisation subject to credit approval"
      },
      {
        "featureType": "OTHER",
        "additionalInfo": "A prompt payment process to assist with cash flow."
      },
      {
        "featureType": "OTHER",
        "additionalInfo": "To find out more call 133 800 or email us for more information"
      },
      {
        "featureType": "OTHER",
        "additionalInfo": "Variable interest rate facility only. Fixed rates are not available, however once the loan has been funded, tranches of the facility can be refinanced to a Fixed Rate Business Loan on request (subject to Credit approval and re-documentation)."
      },
      {
        "featureType": "EXTRA_REPAYMENTS",
        "additionalInfo": "Subject to terms and conditions, this product has EXTRA_REPAYMENTS option available."
      },
      {
        "featureType": "RELATIONSHIP_MANAGEMENT",
        "additionalInfo": "Relationship management is available for eligible customers."
      }
    ],
    "eligibility": [
      {
        "eligibilityType": "BUSINESS",
        "additionalInfo": "Your business must be registered in Australia"
      },
      {
        "eligibilityType": "MIN_AGE",
        "additionalValue": "18",
        "additionalInfo": " An individual 18 years and above"
      },
      {
        "eligibilityType": "OTHER",
        "additionalInfo": "A business entity or an individual 18 years and above, domiciled in Australia and require the funding wholly or predominantly for business purposes"
      },
      {
        "eligibilityType": "OTHER",
        "additionalInfo": "Customers is an existing holder of a Construction Loan"
      },
      {
        "eligibilityType": "OTHER",
        "additionalInfo": "Meets the credit criteria and credit policy requirements under an applicable offer for this product."
      }
    ],
    "fees": [
      {
        "name": "Line Fee",
        "feeType": "PERIODIC",
        "feeMethodUType": "rateBased",
        "rateBased": {
          "rateType": "BALANCE",
          "rate": "0.015"
        },
        "additionalValue": "P1M"
      },
      {
        "name": "Service Charge",
        "feeType": "PERIODIC",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "35.00"
        },
        "additionalValue": "P1M"
      },
      {
        "name": "Lending Establishment Fee",
        "feeType": "UPFRONT",
        "feeMethodUType": "rateBased",
        "rateBased": {
          "rateType": "BALANCE",
          "rate": "0.006"
        },
        "additionalInfo": "Minimum charge of $600.00"
      },
      {
        "name": "Valuation Costs",
        "feeType": "EVENT",
        "feeMethodUType": "variable",
        "variable": {}
      },
      {
        "name": "External Consultancy Fee",
        "feeType": "EVENT",
        "feeMethodUType": "variable",
        "variable": {},
        "additionalInfo": "Fees associated with engaging external consultants eg Quantity Surveyor, Panel Engineer etc. Fee will vary and be quoted individually by consultant as required"
      },
      {
        "name": "Discharge Settlement Fee",
        "feeType": "EXIT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "350.00"
        },
        "additionalInfo": "Payable when we agree to discharge a security linked to the facility"
      }
    ]
  }
}