{
  "source": "https://public.cdr-api.summerland.com.au/cds-au/v1/banking/products/60",
  "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": "60",
    "effectiveFrom": "2005-06-30T14:30:00.0000000Z",
    "lastUpdated": "2026-07-16T08:00:40.6671247Z",
    "productCategory": "OVERDRAFTS",
    "name": "Equity Extra Overdraft",
    "description": "A line-of-credit secured against the equity in your home.",
    "brand": "Summerland",
    "applicationUri": "https://application.summerland.com.au/nPortal__SelfRegistration?product=a0uOm000005EqqaIAC&core=es5",
    "isTailored": false,
    "additionalInformation": {
      "overviewUri": "https://summerland.com.au/my-banking/home-loans",
      "termsUri": "https://www.summerland.com.au/account-access-facility-conditions-of-use",
      "feesAndPricingUri": "https://www.summerland.com.au/loans-fees-charges"
    },
    "features": [
      {
        "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": "FREE_TXNS",
        "additionalValue": "10",
        "additionalInfo": "Enjoy 10 free transactions per month on the Essential Access Fee Package.",
        "additionalInfoUri": "https://www.summerland.com.au/fees-charges-transaction-limits"
      },
      {
        "featureType": "FREE_TXNS",
        "additionalValue": "1",
        "additionalInfo": "Enjoy 1 free staff assisted transaction per month on the Easy Access Fee Package.",
        "additionalInfoUri": "https://www.summerland.com.au/fees-charges-transaction-limits"
      },
      {
        "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://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/"
      }
    ],
    "constraints": [
      {
        "constraintType": "MIN_LIMIT",
        "additionalValue": "10000.00"
      }
    ],
    "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": "Mortgage Establishment Fee",
        "feeType": "UPFRONT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "800.00"
        },
        "currency": "AUD",
        "additionalInfoUri": "https://www.summerland.com.au/loans-fees-charges"
      },
      {
        "name": "Mortgage Extension Fee",
        "feeType": "UPFRONT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "300.00"
        },
        "currency": "AUD",
        "additionalInfoUri": "https://www.summerland.com.au/loans-fees-charges"
      },
      {
        "name": "Easy Access Monthly Access Fee",
        "feeType": "PERIODIC",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "6.00"
        },
        "currency": "AUD",
        "additionalValue": "P1M",
        "additionalInfo": "For those who appreciate the convenience of managing your money your own way. You'll receive access to our rebate scheme which could see you paying no access fee at all depending on your combined savings, investments, credit cards and loans balance. It's our way to say thanks for being a loyal customer.",
        "additionalInfoUri": "https://www.summerland.com.au/loans-fees-charges",
        "discounts": [
          {
            "description": "Only customers younger than a maximum age receive the discount",
            "discountType": "ELIGIBILITY_ONLY",
            "discountMethodUType": "fixedAmount",
            "fixedAmount": {
              "amount": "6.00"
            },
            "eligibility": [
              {
                "discountEligibilityType": "MAX_AGE",
                "additionalValue": "25",
                "additionalInfo": "Customers under 25 years or undertaking study at a recognised Australian education institution receive this discount."
              }
            ]
          },
          {
            "description": "Combined Balances of between $50,000 and < $150,000",
            "discountType": "ELIGIBILITY_ONLY",
            "discountMethodUType": "fixedAmount",
            "fixedAmount": {
              "amount": "1.00"
            },
            "eligibility": [
              {
                "discountEligibilityType": "OTHER",
                "additionalInfo": "A discount will be applied depending on your combined savings, investments, credit cards and loans balance."
              }
            ]
          },
          {
            "description": "Combined Balances of $250,000 and above",
            "discountType": "ELIGIBILITY_ONLY",
            "discountMethodUType": "fixedAmount",
            "fixedAmount": {
              "amount": "6.00"
            },
            "eligibility": [
              {
                "discountEligibilityType": "OTHER",
                "additionalInfo": "A discount will be applied depending on your combined savings, investments, credit cards and loans balance."
              }
            ]
          },
          {
            "description": "Combined Balances of between $150,000 and < $250,000",
            "discountType": "ELIGIBILITY_ONLY",
            "discountMethodUType": "fixedAmount",
            "fixedAmount": {
              "amount": "3.00"
            },
            "eligibility": [
              {
                "discountEligibilityType": "OTHER",
                "additionalInfo": "A discount will be applied depending on your combined savings, investments, credit cards and loans balance."
              }
            ]
          }
        ]
      },
      {
        "name": "Easy Access Monthly Access fee for customers 65 years and over or pensioners",
        "feeType": "PERIODIC",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "3.00"
        },
        "currency": "AUD",
        "additionalValue": "P1M",
        "additionalInfo": "A discounted monthly access fee for those 65 years and older or in receipt of an Aged, Invalid or Veterans Affairs Pension. You'll receive access to our rebate scheme which could see you paying no access fee at all depending on your combined savings, investments, credit cards and loans balance. It's our way to say thanks for being a loyal customer.",
        "additionalInfoUri": "https://www.summerland.com.au/loans-fees-charges",
        "discounts": [
          {
            "description": "Only customers younger than a maximum age receive the discount",
            "discountType": "ELIGIBILITY_ONLY",
            "discountMethodUType": "fixedAmount",
            "fixedAmount": {
              "amount": "3.00"
            },
            "eligibility": [
              {
                "discountEligibilityType": "MAX_AGE",
                "additionalValue": "25",
                "additionalInfo": "Customers under 25 years or undertaking study at a recognised Australian education institution receive this discount."
              }
            ]
          },
          {
            "description": "Combined Balances of between $50,000 and < $150,000",
            "discountType": "ELIGIBILITY_ONLY",
            "discountMethodUType": "fixedAmount",
            "fixedAmount": {
              "amount": "0.50"
            },
            "eligibility": [
              {
                "discountEligibilityType": "OTHER",
                "additionalInfo": "A discount will be applied depending on your combined savings, investments, credit cards and loans balance."
              }
            ]
          },
          {
            "description": "Combined Balances of $250,000 and above",
            "discountType": "ELIGIBILITY_ONLY",
            "discountMethodUType": "fixedAmount",
            "fixedAmount": {
              "amount": "3.00"
            },
            "eligibility": [
              {
                "discountEligibilityType": "OTHER",
                "additionalInfo": "A discount will be applied depending on your combined savings, investments, credit cards and loans balance."
              }
            ]
          },
          {
            "description": "Combined Balances of between $150,000 and < $250,000",
            "discountType": "ELIGIBILITY_ONLY",
            "discountMethodUType": "fixedAmount",
            "fixedAmount": {
              "amount": "1.50"
            },
            "eligibility": [
              {
                "discountEligibilityType": "OTHER",
                "additionalInfo": "A discount will be applied depending on your combined savings, investments, credit cards and loans balance."
              }
            ]
          }
        ]
      },
      {
        "name": "Equity Extra Facility Fee",
        "feeType": "PERIODIC",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "10.00"
        },
        "currency": "AUD",
        "additionalValue": "P1M",
        "additionalInfoUri": "https://www.summerland.com.au/loans-fees-charges"
      },
      {
        "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": "Guarantee Establishment Fee",
        "feeType": "UPFRONT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "200.00"
        },
        "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/fees-charges-transaction-limits"
      },
      {
        "name": "Honour Fee",
        "feeType": "EVENT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "20.00"
        },
        "currency": "AUD",
        "additionalInfoUri": "https://www.summerland.com.au/app/uploads/2023/11/loans-fees-charges.pdf"
      },
      {
        "name": "Dishonur Fee",
        "feeType": "EVENT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "15.00"
        },
        "currency": "AUD",
        "additionalInfoUri": "https://www.summerland.com.au/app/uploads/2023/11/loans-fees-charges.pdf"
      },
      {
        "name": "Easy Access staff assisted transaction",
        "feeType": "TRANSACTION",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "3.00"
        },
        "currency": "AUD",
        "additionalInfo": "Easy access staff assisted transactions include in branch cash withdrawal, cheque withdrawal, cheque encashment, one-off internal funds transfer, one-off external funds transfer, one-off BPAY, Bank@Post deposit, Bank@Post withdrawal. 1 FREE per month.",
        "additionalInfoUri": "https://www.summerland.com.au/app/uploads/2023/11/loans-fees-charges.pdf"
      },
      {
        "name": "Easy Access cheques included in deposits",
        "feeType": "TRANSACTION",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "0.50"
        },
        "currency": "AUD",
        "additionalInfo": "3 FREE per month.",
        "additionalInfoUri": "https://www.summerland.com.au/fees-charges-transaction-limits"
      },
      {
        "name": "Essential Access electronic transaction",
        "feeType": "TRANSACTION",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "1.00"
        },
        "currency": "AUD",
        "additionalInfo": "Essential access electronic transactions include direct debits, NPP payments, eftpos, external funds transfer via internet banking or the banking app (including auto transfers). 10 FREE per month across the combined total of Essential Access electronic transactions and Essential Access staff assisted transactions.",
        "additionalInfoUri": "https://www.summerland.com.au/fees-charges-transaction-limits"
      },
      {
        "name": "Essential Access staff assisted transaction",
        "feeType": "TRANSACTION",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "2.00"
        },
        "currency": "AUD",
        "additionalInfo": "Essential Access staff assisted transactions include in branch cash withdrawal, cheque withdrawal, cheque encashment, one-off internal funds transfer, one-off external funds transfer, one-off BPAY, Bank@Post deposit, Bank@Post withdrawal. 10 FREE per month across the combined total of Essential Access electronic transactions and Essential Access staff assisted transactions.",
        "additionalInfoUri": "https://www.summerland.com.au/fees-charges-transaction-limits"
      },
      {
        "name": "Essential Access cheques included in deposits",
        "feeType": "TRANSACTION",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "0.50"
        },
        "currency": "AUD",
        "additionalInfo": "3 FREE per month.",
        "additionalInfoUri": "https://www.summerland.com.au/fees-charges-transaction-limits"
      }
    ],
    "lendingRates": []
  }
}