{
  "source": "https://public.cdr-api.summerland.com.au/cds-au/v1/banking/products/55",
  "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": "55",
    "effectiveFrom": "2007-06-26T14:30:00.0000000Z",
    "lastUpdated": "2026-07-16T08:00:40.6671247Z",
    "productCategory": "RESIDENTIAL_MORTGAGES",
    "name": "Premium Variable Home Loan",
    "description": "Feature packed loan with the benefits of an offset account as well as discounts on a range of other banking products inlcuding our credit cards.",
    "brand": "Summerland",
    "applicationUri": "https://application.summerland.com.au/nPortal__SelfRegistration?product=a0uOm000005EqqSIAS&core=es5",
    "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",
      "feesAndPricingUri": "https://www.summerland.com.au/loans-fees-charges"
    },
    "features": [
      {
        "featureType": "COMPLEMENTARY_PRODUCT_DISCOUNTS",
        "additionalValue": "0.00",
        "additionalInfo": "All transaction fees are waived for holders of a Premium Home Loan.",
        "additionalInfoUri": "https://summerland.com.au/my-banking/home-loans/premium-home-loan"
      },
      {
        "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": "EXTRA_REPAYMENTS",
        "additionalInfo": "Unlimited extra repayments",
        "additionalInfoUri": "https://summerland.com.au/my-banking/home-loans/premium-home-loan"
      },
      {
        "featureType": "GUARANTOR"
      },
      {
        "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://summerland.com.au"
      },
      {
        "featureType": "OFFSET",
        "additionalInfo": "Use your savings to reduce the interest on your home loan.",
        "additionalInfoUri": "https://summerland.com.au/my-banking/home-loans/premium-home-loan"
      },
      {
        "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": "REDRAW",
        "additionalInfo": "Access additional payments made to your home loan. Minimum $500. \r\n",
        "additionalInfoUri": "https://summerland.com.au/my-banking/home-loans/premium-home-loan"
      }
    ],
    "constraints": [
      {
        "constraintType": "MIN_LIMIT",
        "additionalValue": "250000.00"
      }
    ],
    "eligibility": [
      {
        "eligibilityType": "MIN_AGE",
        "additionalValue": "18"
      },
      {
        "eligibilityType": "NATURAL_PERSON"
      },
      {
        "eligibilityType": "OTHER",
        "additionalInfo": "Lending criteria apply."
      },
      {
        "eligibilityType": "RESIDENCY_STATUS",
        "additionalValue": "A Permanent Australian Resident including those working overseas."
      }
    ],
    "fees": [
      {
        "name": "Valuation Fee",
        "feeType": "UPFRONT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "300.00"
        },
        "currency": "AUD",
        "additionalInfo": "Valuation Fee - Residential $300; Valuation Fee - Non-Residential is at cost. Includes commercial, rural & rural lifestyle properties over 30ha.",
        "additionalInfoUri": "https://www.summerland.com.au/loans-fees-charges",
        "discounts": [
          {
            "description": "Premum Variable Home Loan holder",
            "discountType": "ELIGIBILITY_ONLY",
            "discountMethodUType": "fixedAmount",
            "fixedAmount": {
              "amount": "300.00"
            },
            "eligibility": [
              {
                "discountEligibilityType": "OTHER",
                "additionalInfo": "Residential valuation fee is waived on a Premium Variable Home Loan."
              }
            ]
          }
        ]
      },
      {
        "name": "Contract Variation/Consent Fee",
        "feeType": "EVENT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "300.00"
        },
        "currency": "AUD",
        "additionalInfoUri": "https://www.summerland.com.au/loans-fees-charges"
      },
      {
        "name": "Mortgage Discharge Fee",
        "feeType": "TRANSACTION",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "250.00"
        },
        "currency": "AUD",
        "additionalInfoUri": "https://www.summerland.com.au/loans-fees-charges"
      },
      {
        "name": "QuickDebit Dishonour Fee",
        "feeType": "EVENT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "15.00"
        },
        "currency": "AUD",
        "additionalInfoUri": "https://www.summerland.com.au/loans-fees-charges"
      },
      {
        "name": "Guarantee Establishment Fee",
        "feeType": "UPFRONT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "200.00"
        },
        "currency": "AUD",
        "additionalInfoUri": "https://www.summerland.com.au/loans-fees-charges"
      },
      {
        "name": "Premium Home Loan Annual Fee",
        "feeType": "PERIODIC",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "380.00"
        },
        "currency": "AUD",
        "additionalValue": "P1Y",
        "additionalInfoUri": "https://www.summerland.com.au/loans-fees-charges"
      },
      {
        "name": "Valuation Fee - Construction",
        "feeType": "UPFRONT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "800.00"
        },
        "currency": "AUD",
        "additionalInfoUri": "https://www.summerland.com.au/loans-fees-charges"
      },
      {
        "name": "Loan Increase Fee",
        "feeType": "UPFRONT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "300.00"
        },
        "currency": "AUD",
        "additionalInfoUri": "https://www.summerland.com.au/loans-fees-charges"
      }
    ],
    "lendingRates": [
      {
        "lendingRateType": "VARIABLE",
        "rate": "0.0619",
        "comparisonRate": "0.0656",
        "calculationFrequency": "P1D",
        "applicationType": "PERIODIC",
        "applicationFrequency": "P1M",
        "interestPaymentDue": "IN_ARREARS",
        "repaymentType": "PRINCIPAL_AND_INTEREST",
        "loanPurpose": "OWNER_OCCUPIED",
        "additionalInfo": "Owner occupier, principal and interest repayments only. Minimum new loan amount of $250,000, with a loan to valuation ratio of 60% of less. Eligibility for new borrower specials for customers seeking both fixed and variable rates will be based on the combined loan amount.",
        "additionalInfoUri": "https://www.summerland.com.au/loans-interest"
      },
      {
        "lendingRateType": "VARIABLE",
        "rate": "0.0629",
        "comparisonRate": "0.0666",
        "calculationFrequency": "P1D",
        "applicationType": "PERIODIC",
        "applicationFrequency": "P1M",
        "interestPaymentDue": "IN_ARREARS",
        "repaymentType": "PRINCIPAL_AND_INTEREST",
        "loanPurpose": "OWNER_OCCUPIED",
        "additionalInfo": "Owner occupier, principal and interest repayments only. Minimum new loan amount of $250,000, with a loan to valuation ratio of 80% of less. Eligibility for new borrower specials for customers seeking both fixed and variable rates will be based on the combined loan amount.\r\n",
        "additionalInfoUri": "https://www.summerland.com.au/loans-interest"
      },
      {
        "lendingRateType": "VARIABLE",
        "rate": "0.0609",
        "comparisonRate": "0.0646",
        "calculationFrequency": "P1D",
        "applicationType": "PERIODIC",
        "applicationFrequency": "P1M",
        "interestPaymentDue": "IN_ARREARS",
        "repaymentType": "PRINCIPAL_AND_INTEREST",
        "loanPurpose": "OWNER_OCCUPIED",
        "additionalInfo": "Owner occupier, principal and interest repayments only. Minimum new loan amount of $500,000, with a loan to valuation ratio of 60% of less. Eligibility for new borrower specials for customers seeking both fixed and variable rates will be based on the combined loan amount.",
        "additionalInfoUri": "https://www.summerland.com.au/loans-interest"
      },
      {
        "lendingRateType": "VARIABLE",
        "rate": "0.0624",
        "comparisonRate": "0.0661",
        "calculationFrequency": "P1D",
        "applicationType": "PERIODIC",
        "applicationFrequency": "P1M",
        "interestPaymentDue": "IN_ARREARS",
        "repaymentType": "PRINCIPAL_AND_INTEREST",
        "loanPurpose": "OWNER_OCCUPIED",
        "additionalInfo": "Owner occupier, principal and interest repayments only. Minimum new loan amount of $500,000, with a loan to valuation ratio of 80% of less. Eligibility for new borrower specials for customers seeking both fixed and variable rates will be based on the combined loan amount.\r\n",
        "additionalInfoUri": "https://www.summerland.com.au/loans-interest"
      },
      {
        "lendingRateType": "VARIABLE",
        "rate": "0.0629",
        "comparisonRate": "0.0666",
        "calculationFrequency": "P1D",
        "applicationType": "PERIODIC",
        "applicationFrequency": "P1M",
        "interestPaymentDue": "IN_ARREARS",
        "repaymentType": "PRINCIPAL_AND_INTEREST",
        "loanPurpose": "OWNER_OCCUPIED",
        "additionalInfo": "Owner occupier, First Home Buyer principal and interest repayments only. Minimum new loan amount of $250,000, with a loan to valuation ratio of 85% of less. Eligibility for new borrower specials for customers seeking both fixed and variable rates will be based on the combined loan amount.",
        "additionalInfoUri": "https://www.summerland.com.au/loans-interest"
      },
      {
        "lendingRateType": "VARIABLE",
        "rate": "0.0654",
        "comparisonRate": "0.069",
        "calculationFrequency": "P1D",
        "applicationType": "PERIODIC",
        "applicationFrequency": "P1M",
        "interestPaymentDue": "IN_ARREARS",
        "repaymentType": "PRINCIPAL_AND_INTEREST",
        "loanPurpose": "OWNER_OCCUPIED",
        "additionalInfo": "Owner occupier, First Home Buyer principal and interest repayments only. Minimum new loan amount of $250,000, with a loan to valuation ratio of 90% of less. Eligibility for new borrower specials for customers seeking both fixed and variable rates will be based on the combined loan amount.",
        "additionalInfoUri": "https://www.summerland.com.au/loans-interest"
      },
      {
        "lendingRateType": "VARIABLE",
        "rate": "0.0679",
        "comparisonRate": "0.0715",
        "calculationFrequency": "P1D",
        "applicationType": "PERIODIC",
        "applicationFrequency": "P1M",
        "interestPaymentDue": "IN_ARREARS",
        "repaymentType": "PRINCIPAL_AND_INTEREST",
        "loanPurpose": "OWNER_OCCUPIED",
        "additionalInfo": "Owner occupier, First Home Buyer principal and interest repayments only. Minimum new loan amount of $250,000, with a loan to valuation ratio of 95% of less. Eligibility for new borrower specials for customers seeking both fixed and variable rates will be based on the combined loan amount.",
        "additionalInfoUri": "https://www.summerland.com.au/loans-interest"
      },
      {
        "lendingRateType": "VARIABLE",
        "rate": "0.0624",
        "comparisonRate": "0.0661",
        "calculationFrequency": "P1D",
        "applicationType": "PERIODIC",
        "applicationFrequency": "P1M",
        "interestPaymentDue": "IN_ARREARS",
        "repaymentType": "PRINCIPAL_AND_INTEREST",
        "loanPurpose": "OWNER_OCCUPIED",
        "additionalInfo": "Owner occupier, First Home Buyer principal and interest repayments only. Minimum new loan amount of $500,000, with a loan to valuation ratio of 85% of less. Eligibility for new borrower specials for customers seeking both fixed and variable rates will be based on the combined loan amount.",
        "additionalInfoUri": "https://www.summerland.com.au/loans-interest"
      },
      {
        "lendingRateType": "VARIABLE",
        "rate": "0.0649",
        "comparisonRate": "0.0686",
        "calculationFrequency": "P1D",
        "applicationType": "PERIODIC",
        "applicationFrequency": "P1M",
        "interestPaymentDue": "IN_ARREARS",
        "repaymentType": "PRINCIPAL_AND_INTEREST",
        "loanPurpose": "OWNER_OCCUPIED",
        "additionalInfo": "Owner occupier, First Home Buyer principal and interest repayments only. Minimum new loan amount of $500,000, with a loan to valuation ratio of 90% of less. Eligibility for new borrower specials for customers seeking both fixed and variable rates will be based on the combined loan amount.",
        "additionalInfoUri": "https://www.summerland.com.au/loans-interest"
      },
      {
        "lendingRateType": "VARIABLE",
        "rate": "0.0679",
        "comparisonRate": "0.0715",
        "calculationFrequency": "P1D",
        "applicationType": "PERIODIC",
        "applicationFrequency": "P1M",
        "interestPaymentDue": "IN_ARREARS",
        "repaymentType": "PRINCIPAL_AND_INTEREST",
        "loanPurpose": "OWNER_OCCUPIED",
        "additionalInfo": "Owner occupier, First Home Buyer principal and interest repayments only. Minimum new loan amount of $500,000, with a loan to valuation ratio of 95% of less. Eligibility for new borrower specials for customers seeking both fixed and variable rates will be based on the combined loan amount.",
        "additionalInfoUri": "https://www.summerland.com.au/loans-interest"
      },
      {
        "lendingRateType": "VARIABLE",
        "rate": "0.0679",
        "comparisonRate": "0.0715",
        "calculationFrequency": "P1D",
        "applicationType": "PERIODIC",
        "applicationFrequency": "P1M",
        "interestPaymentDue": "IN_ARREARS",
        "repaymentType": "PRINCIPAL_AND_INTEREST",
        "loanPurpose": "OWNER_OCCUPIED",
        "additionalInfo": "Owner occupier, principal and interest loans. Minimum loan amount of $250,000.",
        "additionalInfoUri": "https://www.summerland.com.au/loans-interest"
      }
    ]
  }
}