{
  "source": "https://ob.tmbl.com.au/tmbank/cds-au/v1/banking/products/54b1c4c8-1549-4f9c-ad48-8ee40a78dee5",
  "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": "54b1c4c8-1549-4f9c-ad48-8ee40a78dee5",
    "lastUpdated": "2026-07-13T17:21:07.000+10:00",
    "productCategory": "PERS_LOANS",
    "name": "All Purpose Personal Loan",
    "description": "Pay for your holiday, wedding or get your debt (up to $50K) under control with a personal loan.",
    "brand": "TMB",
    "brandName": "Teachers Mutual Bank",
    "applicationUri": "https://www.tmbank.com.au/personal-loans/debt-consolidation",
    "isTailored": false,
    "additionalInformation": {
      "overviewUri": "https://www.tmbank.com.au/personal-loans/debt-consolidation",
      "termsUri": "https://www.tmbank.com.au/content/dam/documents/collateral/consumer-lending.pdf",
      "eligibilityUri": "https://www.tmbank.com.au/personal-loans/debt-consolidation",
      "feesAndPricingUri": "https://www.tmbank.com.au/content/dam/documents/collateral/fees-and-charges.pdf"
    },
    "features": [
      {
        "featureType": "OTHER",
        "additionalInfo": "No ongoing fees"
      },
      {
        "featureType": "OTHER",
        "additionalInfo": "Make extra repayments"
      },
      {
        "featureType": "OTHER",
        "additionalInfo": "Choose weekly, fortnightly or monthly repayments"
      },
      {
        "featureType": "OTHER",
        "additionalInfo": "A competitive variable interest rate"
      },
      {
        "featureType": "OTHER",
        "additionalInfo": "Debt consolidation, You can borrow up to $50,000 to consolidate your debts"
      },
      {
        "featureType": "REDRAW",
        "additionalInfo": "A fee free redraw facility to access additional repayments you've made. Redraw is subject to application and registration."
      },
      {
        "featureType": "DIGITAL_BANKING",
        "additionalInfo": "24/7 access via internet banking, mobile app and phone banking"
      },
      {
        "featureType": "OTHER",
        "additionalInfo": "No fee for early repayment"
      },
      {
        "featureType": "OTHER",
        "additionalInfo": "Ability to make lump sum payments"
      }
    ],
    "constraints": [
      {
        "constraintType": "MIN_LIMIT",
        "additionalValue": "4000.00",
        "additionalInfo": "Minimum loan amount is $4,000"
      },
      {
        "constraintType": "MAX_LIMIT",
        "additionalValue": "80000.00",
        "additionalInfo": "Maximum loan amount is $80,000. Debt consolidation is $50,000 maximum. For information on debt consolidation visit ASIC's website.",
        "additionalInfoUri": "https://moneysmart.gov.au/managing-debt/debt-consolidation-and-refinancing"
      }
    ],
    "eligibility": [
      {
        "eligibilityType": "OTHER",
        "additionalInfo": "You must be a member. Membership is open to current or retired employees of the Australian education sector or family members of members (i.e. shareholders) of the Bank."
      },
      {
        "eligibilityType": "RESIDENCY_STATUS",
        "additionalValue": "Individuals must be citizens or permanent residents of Australia."
      },
      {
        "eligibilityType": "NATURAL_PERSON"
      },
      {
        "eligibilityType": "MIN_AGE",
        "additionalValue": "18"
      },
      {
        "eligibilityType": "OTHER",
        "additionalInfo": "All applications for credit are subject to responsible lending criteria. Fees and charges apply. You can find our Consumer Lending terms and conditions online or from any of our offices.",
        "additionalInfoUri": "https://www.tmbank.com.au/personal-loans/debt-consolidation"
      }
    ],
    "fees": [
      {
        "name": "APPLICATION_FEE",
        "feeType": "UPFRONT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "150.00"
        },
        "currency": "AUD",
        "additionalInfo": "This fee is applicable when the loan is funded.",
        "discounts": [
          {
            "description": "Personal Loan Application Fee Waiver",
            "discountType": "ELIGIBILITY_ONLY",
            "discountMethodUType": "fixedAmount",
            "fixedAmount": {
              "amount": "150.00"
            },
            "eligibility": [
              {
                "discountEligibilityType": "OTHER",
                "additionalInfo": "If you hold a Your Way Plus home loan package we waive the application fees for any personal loans.",
                "additionalInfoUri": "https://www.tmbank.com.au/-/media/global/pdfs/your-way-plus-package-terms-and-conditions.ashx"
              }
            ]
          }
        ]
      }
    ],
    "lendingRates": [
      {
        "lendingRateType": "VARIABLE",
        "rate": "0.1199",
        "comparisonRate": "0.1214",
        "calculationFrequency": "P1D",
        "applicationType": "PERIODIC",
        "applicationFrequency": "P1M",
        "interestPaymentDue": "IN_ARREARS",
        "repaymentType": "PRINCIPAL_AND_INTEREST",
        "loanPurpose": "OTHER",
        "tiers": [
          {
            "name": "All Purpose Personal Loan",
            "unitOfMeasure": "DOLLAR",
            "minimumValue": "4000.00",
            "maximumValue": "80000.00",
            "rateApplicationMethod": "WHOLE_BALANCE",
            "additionalInfo": "This rate is applicable to debt consolidation loans from $4,000 to $50,000 and non debt consolidation loans up from $4,000 to $80,000"
          }
        ]
      }
    ]
  }
}