{
  "source": "https://public.cdr.onlinebanking.capricornian.com.au/cds-au/v1/banking/products/8a9f159f-8cc5-43a5-a817-6f8124283c77",
  "note": "Product Reference Data published by the data holder under the Consumer Data Right, as cached by this site (refreshed every 6 hours).",
  "data": {
    "brand": "THE CAPRICORNIAN",
    "description": "We can assist with sole trader or small business markets. We are keen to take your business to the next level.",
    "isTailored": false,
    "lastUpdated": "2026-05-10T22:00:00.706386Z",
    "name": "Home Equity Business Loan",
    "productCategory": "BUSINESS_LOANS",
    "productId": "8a9f159f-8cc5-43a5-a817-6f8124283c77",
    "additionalInformation": {
      "overviewUri": "https://www.capricornian.com.au/business/business-banking/",
      "termsUri": "https://www.capricornian.com.au/conditions-of-use/",
      "eligibilityUri": null,
      "feesAndPricingUri": "https://www.capricornian.com.au/about-us/product-rate-fee-disclosures/",
      "bundleUri": null,
      "additionalOverviewUris": null,
      "additionalTermsUris": null,
      "additionalEligibilityUris": null,
      "additionalFeesAndPricingUris": null,
      "additionalBundleUris": null
    },
    "applicationUri": "https://www.capricornian.com.au/about-us/contact-us/",
    "brandName": "TCL PM Production",
    "brandGroup": null,
    "cardArt": [],
    "effectiveFrom": "2024-01-22T14:00:00Z",
    "effectiveTo": null,
    "bundles": [],
    "constraints": [],
    "depositRates": [],
    "eligibility": [
      {
        "eligibilityType": "OTHER",
        "additionalInfo": "Security : Business loans will require security in the form of residential property or Term Deposit. A guarantee will also be required by company directors for corporate borrowers.",
        "additionalInfoUri": null,
        "additionalValue": null
      },
      {
        "eligibilityType": "OTHER",
        "additionalInfo": "You will need to become a member of the Credit Union before The Capricornian can accept a loan application.",
        "additionalInfoUri": null,
        "additionalValue": null
      },
      {
        "eligibilityType": "MIN_AGE",
        "additionalInfo": null,
        "additionalInfoUri": null,
        "additionalValue": "18"
      },
      {
        "eligibilityType": "RESIDENCY_STATUS",
        "additionalInfo": null,
        "additionalInfoUri": null,
        "additionalValue": "Individuals must be citizens or permanent residents of Australia."
      },
      {
        "eligibilityType": "OTHER",
        "additionalInfo": "Credit history - all borrowers, owners, directors and guarantors must have clear credit records. All statutory payments and ATO liabilities need to be up to date and not under arrangement",
        "additionalInfoUri": null,
        "additionalValue": null
      }
    ],
    "features": [
      {
        "featureType": "NPP_ENABLED",
        "additionalInfo": "An account of this product type can be used to receive funds as a result of a BSB/Number based NPP payment.",
        "additionalInfoUri": null,
        "additionalValue": null,
        "isActivated": "UNKNOWN"
      },
      {
        "featureType": "NPP_PAYID",
        "additionalInfo": "An account of this product type can be used as the target of an NPP PayID.",
        "additionalInfoUri": null,
        "additionalValue": null,
        "isActivated": "UNKNOWN"
      },
      {
        "featureType": "DIGITAL_BANKING",
        "additionalInfo": "Access is available to online banking features for the product.",
        "additionalInfoUri": null,
        "additionalValue": null,
        "isActivated": "UNKNOWN"
      },
      {
        "featureType": "REDRAW",
        "additionalInfo": "Redraw of repaid principal above minimum required is available.",
        "additionalInfoUri": null,
        "additionalValue": null,
        "isActivated": "UNKNOWN"
      },
      {
        "featureType": "NOTIFICATIONS",
        "additionalInfo": "SMS and/or email notifications available",
        "additionalInfoUri": null,
        "additionalValue": "Notification via email, SMS or secure message in online banking.",
        "isActivated": "UNKNOWN"
      }
    ],
    "fees": [
      {
        "feeType": "EVENT",
        "name": "Contract Variation & Consent Fee",
        "additionalInfo": null,
        "additionalInfoUri": null,
        "additionalValue": null,
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        "discounts": [],
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        },
        "rateBased": null,
        "variable": null,
        "feeCap": null,
        "feeCapPeriod": null
      },
      {
        "feeType": "EVENT",
        "name": "Arrears Fees - 2nd and Subsequent Reminder Letter Fee",
        "additionalInfo": "Applies when you fail to make your contracted repayments by the repayment due date. ",
        "additionalInfoUri": null,
        "additionalValue": null,
        "currency": "AUD",
        "discounts": [],
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "20.00"
        },
        "rateBased": null,
        "variable": null,
        "feeCap": null,
        "feeCapPeriod": null
      },
      {
        "feeType": "PERIODIC",
        "name": "Loan Service Fee - Loan value Greater than $250,000",
        "additionalInfo": null,
        "additionalInfoUri": null,
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        "feeMethodUType": "fixedAmount",
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      {
        "feeType": "PERIODIC",
        "name": "Loan Service Fee - Loan value between $5,001 - $100,000",
        "additionalInfo": null,
        "additionalInfoUri": null,
        "additionalValue": "P1M",
        "currency": "AUD",
        "discounts": [],
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "20.00"
        },
        "rateBased": null,
        "variable": null,
        "feeCap": null,
        "feeCapPeriod": null
      },
      {
        "feeType": "PERIODIC",
        "name": "Loan Service Fee - Loan value Under $5,000",
        "additionalInfo": null,
        "additionalInfoUri": null,
        "additionalValue": "P1M",
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        "discounts": [],
        "feeMethodUType": "fixedAmount",
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        },
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        "variable": null,
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      },
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        "feeType": "UPFRONT",
        "name": "Establishment Fee - Loan value Under $20,000",
        "additionalInfo": "Excludes solicitors costs in mortgage and security preparation, valuation/s and settlement fees.",
        "additionalInfoUri": null,
        "additionalValue": null,
        "currency": "AUD",
        "discounts": [],
        "feeMethodUType": "fixedAmount",
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        },
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        "variable": null,
        "feeCap": null,
        "feeCapPeriod": null
      },
      {
        "feeType": "UPFRONT",
        "name": "Establishment Fee - Loan value between $100,001 - $250,000",
        "additionalInfo": "Excludes solicitors costs in mortgage and security preparation, valuation/s and settlement fees.",
        "additionalInfoUri": null,
        "additionalValue": null,
        "currency": "AUD",
        "discounts": [],
        "feeMethodUType": "fixedAmount",
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        "rateBased": null,
        "variable": null,
        "feeCap": null,
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      },
      {
        "feeType": "EVENT",
        "name": "Mortgage Discharge Fee",
        "additionalInfo": "This fee is payable in addition to solicitors fees, registration, searches and other third party fees that may apply.",
        "additionalInfoUri": null,
        "additionalValue": null,
        "currency": "AUD",
        "discounts": [],
        "feeMethodUType": "fixedAmount",
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        },
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        "variable": null,
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      },
      {
        "feeType": "PERIODIC",
        "name": "Loan Service Fee - Loan value between $100,001 - $250,000",
        "additionalInfo": null,
        "additionalInfoUri": null,
        "additionalValue": "P1M",
        "currency": "AUD",
        "discounts": [],
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "30.00"
        },
        "rateBased": null,
        "variable": null,
        "feeCap": null,
        "feeCapPeriod": null
      },
      {
        "feeType": "EVENT",
        "name": "Arrears Fees - Default Notice Fee",
        "additionalInfo": "If you don’t make your payment after a period of time in arrears, you will be issued with a default notice.",
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        "additionalValue": null,
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        "feeCap": null,
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      },
      {
        "feeType": "EVENT",
        "name": "Arrears Fees - Reminder call fee",
        "additionalInfo": "Applies when you fail to make your contracted repayments by the repayment due date.",
        "additionalInfoUri": null,
        "additionalValue": null,
        "currency": "AUD",
        "discounts": [],
        "feeMethodUType": "fixedAmount",
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        },
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      },
      {
        "feeType": "UPFRONT",
        "name": "Establishment Fee - Loan value between $20,000 - $100,000",
        "additionalInfo": "Excludes solicitors costs in mortgage and security preparation, valuation/s and settlement fees.",
        "additionalInfoUri": null,
        "additionalValue": null,
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        "discounts": [],
        "feeMethodUType": "fixedAmount",
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        "feeCap": null,
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      },
      {
        "feeType": "UPFRONT",
        "name": "Establishment Fee - Loan value Greater than $250,000",
        "additionalInfo": "Excludes solicitors costs in mortgage and security preparation, valuation/s and settlement fees.",
        "additionalInfoUri": null,
        "additionalValue": null,
        "currency": "AUD",
        "discounts": [],
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "1000.00"
        },
        "rateBased": null,
        "variable": null,
        "feeCap": null,
        "feeCapPeriod": null
      }
    ],
    "lendingRates": [
      {
        "lendingRateType": "VARIABLE",
        "rate": "0.081",
        "additionalInfo": null,
        "additionalInfoUri": null,
        "additionalValue": null,
        "applicationFrequency": "P1M",
        "calculationFrequency": "P1D",
        "comparisonRate": null,
        "interestPaymentDue": "IN_ARREARS",
        "loanPurpose": "OTHER",
        "repaymentType": "PRINCIPAL_AND_INTEREST",
        "tiers": [],
        "applicabilityConditions": [
          {
            "additionalInfo": "Aged 18 years or older",
            "additionalInfoUri": null,
            "rateApplicabilityType": "OTHER",
            "additionalValue": null
          }
        ],
        "applicationType": "PERIODIC"
      }
    ],
    "instalments": null
  }
}