{
  "source": "https://public.cdr-api.summerland.com.au/cds-au/v1/banking/products/11",
  "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": "11",
    "effectiveFrom": "2005-06-30T14:30:00.0000000Z",
    "lastUpdated": "2026-07-16T08:00:40.6671247Z",
    "productCategory": "TRANS_AND_SAVINGS_ACCOUNTS",
    "name": "Home Loan Offset",
    "description": "Use the money in your transaction account to help you save interest and own your home sooner.",
    "brand": "Summerland",
    "isTailored": false,
    "additionalInformation": {
      "overviewUri": "https://summerland.com.au/my-banking/home-loans/premium-home-loan",
      "termsUri": "https://www.summerland.com.au/account-access-facility-conditions-of-use",
      "eligibilityUri": "https://www.summerland.com.au/summary-of-accounts-and-access-facilities",
      "feesAndPricingUri": "https://www.summerland.com.au/fees-charges-transaction-limits"
    },
    "features": [
      {
        "featureType": "CARD_ACCESS",
        "additionalValue": "Link an eftpos or Visa card to the account for convenient access to your money.",
        "additionalInfoUri": "https://www.summerland.com.au"
      },
      {
        "featureType": "DIGITAL_BANKING",
        "additionalInfo": "Open accounts, check balances, view transactions, transfer funds, schedule payments, BPAY, eStatements, SMS alerts, activate cards, change card PIN, mark card lost or stolen, loan redraw, loan status update, accept loan contracts and send secure messages.\r\n",
        "additionalInfoUri": "https://www.summerland.com.au"
      },
      {
        "featureType": "DIGITAL_WALLET",
        "additionalValue": "Apple Pay.",
        "additionalInfoUri": "https://summerland.com.au/services/digital-and-payments/apple-pay/"
      },
      {
        "featureType": "DIGITAL_WALLET",
        "additionalValue": "Google Pay",
        "additionalInfoUri": "https://summerland.com.au/services/digital-and-payments/google-pay/"
      },
      {
        "featureType": "NOTIFICATIONS",
        "additionalValue": "Event based notifications.",
        "additionalInfoUri": "https://www.summerland.com.au"
      },
      {
        "featureType": "NPP_ENABLED",
        "additionalInfoUri": "https://www.summerland.com.au"
      },
      {
        "featureType": "NPP_PAYID",
        "additionalInfo": "Set up a pay ID to receive lightning fast payments.\r\n",
        "additionalInfoUri": "https://www.summerland.com.au"
      },
      {
        "featureType": "OTHER",
        "additionalInfo": "Save on paper, receive and view your statements online with eStatements.",
        "additionalInfoUri": "https://summerland.com.au/services/digital-and-payments/internet-banking/"
      },
      {
        "featureType": "UNLIMITED_TXNS",
        "additionalInfo": "Simple Access Fee Package customers receive free monthly account access including unlimited domestic card, ATM, Internet and Mobile Banking transactions, along with unlimited Bank@Post and staff assisted deposits and withdrawals.",
        "additionalInfoUri": "https://www.summerland.com.au/fees-charges-transaction-limits"
      }
    ],
    "eligibility": [
      {
        "eligibilityType": "MIN_AGE",
        "additionalValue": "18"
      },
      {
        "eligibilityType": "NATURAL_PERSON"
      },
      {
        "eligibilityType": "OTHER",
        "additionalInfo": "Account linked to the Offset Home Loan."
      },
      {
        "eligibilityType": "RESIDENCY_STATUS",
        "additionalValue": "A Permanent Australian Resident including those working overseas."
      }
    ],
    "fees": [
      {
        "name": "QuickDebit Dishonour Fee",
        "feeType": "EVENT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "15.00"
        },
        "currency": "AUD"
      },
      {
        "name": "Deposited Cheque Item Fee",
        "feeType": "EVENT",
        "feeMethodUType": "variable",
        "variable": {},
        "currency": "AUD"
      },
      {
        "name": "Honour Fee",
        "feeType": "EVENT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "20.00"
        },
        "currency": "AUD",
        "additionalInfoUri": "https://www.summerland.com.au/fees-charges-transaction-limits"
      },
      {
        "name": "Dishonour Fee",
        "feeType": "EVENT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "15.00"
        },
        "currency": "AUD",
        "additionalInfoUri": "https://www.summerland.com.au/fees-charges-transaction-limits"
      }
    ]
  }
}