{
  "source": "https://public.cdr-api.summerland.com.au/cds-au/v1/banking/products/83",
  "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": "83",
    "effectiveFrom": "2023-07-13T14:30:00.0000000Z",
    "lastUpdated": "2026-06-27T16:00:40.3243706Z",
    "productCategory": "RESIDENTIAL_MORTGAGES",
    "name": "ECO Investment Home Loan",
    "description": "Eco Investment Home Loan",
    "brand": "Summerland",
    "applicationUri": "https://application.summerland.com.au/nPortal__SelfRegistration?product=a0uOm000005EqqMIAS&core=es5",
    "isTailored": false,
    "additionalInformation": {
      "overviewUri": " https://summerland.com.au/my-banking/home-loans/eco-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": "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.",
        "additionalInfoUri": "https://www.summerland.com.au"
      },
      {
        "featureType": "EXTRA_REPAYMENTS",
        "additionalInfo": "Unlimited extra repayments",
        "additionalInfoUri": "https://summerland.com.au/my-banking/investment-loans/"
      },
      {
        "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.",
        "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": "REDRAW",
        "additionalInfo": "Access additional payments made to your home loan. Minimum $500. \r\n",
        "additionalInfoUri": "https://summerland.com.au/my-banking/investment-loans/"
      }
    ],
    "constraints": [
      {
        "constraintType": "MIN_LIMIT",
        "additionalValue": "30000.00"
      }
    ],
    "eligibility": [
      {
        "eligibilityType": "MIN_AGE",
        "additionalValue": "18"
      },
      {
        "eligibilityType": "NATURAL_PERSON"
      },
      {
        "eligibilityType": "OTHER",
        "additionalInfo": "Lending criteria apply."
      },
      {
        "eligibilityType": "OTHER",
        "additionalInfo": "The property securing the loan must meet the required sustainability criteria.",
        "additionalInfoUri": "https://summerland.com.au/eco-home-loan"
      },
      {
        "eligibilityType": "RESIDENCY_STATUS",
        "additionalValue": "An eligibility constraint based on residency status applies."
      }
    ],
    "fees": [
      {
        "name": "Loan Increase Fee",
        "feeType": "UPFRONT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "225.00"
        },
        "currency": "AUD",
        "additionalInfoUri": "https://www.summerland.com.au/loans-fees-charges"
      },
      {
        "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"
      },
      {
        "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"
      },
      {
        "name": "Guarantee Establishment Fee",
        "feeType": "UPFRONT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "200.00"
        },
        "currency": "AUD",
        "additionalInfoUri": "https://www.summerland.com.au/loans-fees-charges"
      },
      {
        "name": "Valuation Fee - Construction",
        "feeType": "UPFRONT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "800.00"
        },
        "currency": "AUD",
        "additionalInfo": "Payable in addition to the Valuation Fee - residential.",
        "additionalInfoUri": "https://www.summerland.com.au/loans-fees-charges"
      },
      {
        "name": "Legal Fee",
        "feeType": "UPFRONT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "200.00"
        },
        "currency": "AUD",
        "additionalInfo": "Legal Fee - residential $200; Legal Fee - Non Residential at cost.",
        "additionalInfoUri": "https://www.summerland.com.au/loans-fees-charges"
      }
    ],
    "lendingRates": [
      {
        "lendingRateType": "VARIABLE",
        "rate": "0.0619",
        "comparisonRate": "0.0625",
        "calculationFrequency": "P1D",
        "applicationType": "PERIODIC",
        "applicationFrequency": "P1M",
        "interestPaymentDue": "IN_ARREARS",
        "repaymentType": "PRINCIPAL_AND_INTEREST",
        "loanPurpose": "INVESTMENT",
        "additionalInfo": "Investment, principal and interest repayments only. Minimum new loan amount of $150,000, 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": "0.0635",
        "calculationFrequency": "P1D",
        "applicationType": "PERIODIC",
        "applicationFrequency": "P1M",
        "interestPaymentDue": "IN_ARREARS",
        "repaymentType": "PRINCIPAL_AND_INTEREST",
        "loanPurpose": "INVESTMENT",
        "additionalInfo": "Investment, principal and interest repayments only. Minimum new loan amount of $150,000, 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.",
        "additionalInfoUri": "https://www.summerland.com.au/loans-interest"
      },
      {
        "lendingRateType": "VARIABLE",
        "rate": "0.0679",
        "comparisonRate": "0.0685",
        "calculationFrequency": "P1D",
        "applicationType": "PERIODIC",
        "applicationFrequency": "P1M",
        "interestPaymentDue": "IN_ARREARS",
        "repaymentType": "PRINCIPAL_AND_INTEREST",
        "loanPurpose": "INVESTMENT",
        "additionalInfo": "Investment, principal and interest, interest only loans. Minimum loan amount of $30,000.",
        "additionalInfoUri": "https://www.summerland.com.au/loans-interest"
      }
    ]
  }
}