{
  "source": "https://online.swsbank.com.au/openbanking/cds-au/v1/banking/products/L47_1YR_FRINV_HL_12",
  "note": "Product Reference Data published by the data holder under the Consumer Data Right, as cached by this site (refreshed every 6 hours).",
  "data": {
    "features": [
      {
        "featureType": "DIGITAL_BANKING",
        "additionalInfo": "Internet Banking & App"
      },
      {
        "featureType": "NOTIFICATIONS",
        "additionalInfo": "Alerts"
      },
      {
        "featureType": "NPP_ENABLED"
      },
      {
        "featureType": "REDRAW"
      },
      {
        "featureType": "OTHER",
        "additionalInfo": "Maximum loan term is 30 years"
      },
      {
        "featureType": "EXTRA_REPAYMENTS",
        "additionalInfo": "Additional Repayments - Up to $20,000 per year in addition to the contractual repayments"
      },
      {
        "featureType": "OTHER",
        "additionalInfo": "Weekly/Fortnightly & Monthly repayment options"
      },
      {
        "featureType": "OTHER",
        "additionalInfo": "No application, Establishment, Redraw or monthly fees for the term of the loan"
      },
      {
        "featureType": "OTHER",
        "additionalInfo": "Split loan with Fixed/Variable options"
      }
    ],
    "constraints": [
      {
        "constraintType": "MAX_LIMIT",
        "additionalInfo": "2500000"
      },
      {
        "constraintType": "MIN_LIMIT",
        "additionalInfo": "1000"
      }
    ],
    "eligibility": [
      {
        "eligibilityType": "MIN_AGE",
        "additionalValue": "18"
      },
      {
        "eligibilityType": "NATURAL_PERSON"
      },
      {
        "eligibilityType": "RESIDENCY_STATUS",
        "additionalValue": "Australian citizen or permanent resident"
      }
    ],
    "fees": [
      {
        "name": "LAND_TITLE_SEARCH_FEE",
        "feeType": "EVENT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "17.10"
        },
        "currency": "AUD",
        "additionalInfo": "Payable to Third Party",
        "additionalInfoUri": "https://www.swsbank.com.au/help-support/rates-fees/fees-and-charges/"
      },
      {
        "name": "SERVICE_FEE",
        "feeType": "EVENT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "9.00"
        },
        "currency": "AUD",
        "additionalInfo": "SWSCU service fee for searches",
        "additionalInfoUri": "https://www.swsbank.com.au/help-support/rates-fees/fees-and-charges/"
      }
    ],
    "lendingRates": [
      {
        "lendingRateType": "FIXED",
        "rate": "0.067",
        "comparisonRate": "0.0643",
        "calculationFrequency": "P1D",
        "applicationType": "PERIODIC",
        "applicationFrequency": "P1M",
        "interestPaymentDue": "IN_ARREARS",
        "repaymentType": "PRINCIPAL_AND_INTEREST",
        "loanPurpose": "INVESTMENT",
        "additionalValue": "P12M",
        "additionalInfoUri": "https://www.swsbank.com.au/loans/investor-home-loans/optimum-investor-1-year-fixed-rate-home-loan/"
      },
      {
        "lendingRateType": "VARIABLE",
        "rate": "0.064",
        "calculationFrequency": "P1D",
        "applicationType": "PERIODIC",
        "applicationFrequency": "P1M",
        "interestPaymentDue": "IN_ARREARS",
        "repaymentType": "PRINCIPAL_AND_INTEREST",
        "loanPurpose": "INVESTMENT",
        "additionalInfoUri": "https://www.swsbank.com.au/loans/investor-home-loans/optimum-investor-1-year-fixed-rate-home-loan/"
      }
    ],
    "productCategory": "RESIDENTIAL_MORTGAGES",
    "productId": "L47_1YR_FRINV_HL_12",
    "lastUpdated": "2026-05-12T09:41:34.000+10:00",
    "name": "Optimum Investor 1 Year Fixed Rate Home Loan",
    "description": "Optimum Investor 1 Year Fixed Rate Home Loan",
    "brand": "South West Slopes Credit Union",
    "brandName": "South West Slopes Credit Union Ltd trading as SWSbank",
    "applicationUri": "https://swscu.apply-online.com.au/#/fa7a66eb-3f68-4fc6-9fdd-6b5e4cf958cf",
    "isTailored": true,
    "additionalInformation": {
      "overviewUri": "https://www.swsbank.com.au/loans/investor-home-loans/optimum-investor-1-year-fixed-rate-home-loan/",
      "termsUri": "https://www.swsbank.com.au/help-support/important-information/disclosure-documents/",
      "feesAndPricingUri": "https://www.swsbank.com.au/help-support/rates-fees/fees-and-charges/"
    }
  }
}