{
  "source": "https://public.cdr.onlinebanking.capricornian.com.au/cds-au/v1/banking/products/b7c86d77-bdfb-4081-8ee1-a2e94796b047",
  "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": "Our Premium Choice Investment Loan is packed full of features for aspiring home owners.",
    "isTailored": false,
    "lastUpdated": "2026-05-10T22:42:35.960324Z",
    "name": "Premium Choice Investment Loan",
    "productCategory": "RESIDENTIAL_MORTGAGES",
    "productId": "b7c86d77-bdfb-4081-8ee1-a2e94796b047",
    "additionalInformation": {
      "overviewUri": "https://www.capricornian.com.au/loans/home-loans/premium-choice-loan/",
      "termsUri": "https://www.capricornian.com.au/conditions-of-use/",
      "eligibilityUri": "https://www.capricornian.com.au/loans/home-loans/premium-choice-loan/",
      "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://capricornian.apply-online.com.au/#/0cc551c1-69fe-42bb-a75b-4dec12ce6a72",
    "brandName": "TCL PM Production",
    "brandGroup": null,
    "cardArt": [],
    "effectiveFrom": "2024-10-21T14:00:00Z",
    "effectiveTo": null,
    "bundles": [],
    "constraints": [
      {
        "constraintType": "MIN_LIMIT",
        "additionalInfo": null,
        "additionalInfoUri": null,
        "additionalValue": "50000.00"
      },
      {
        "constraintType": "MAX_LVR",
        "additionalInfo": "Lenders Mortgage Insurance (LMI) is required where the loan is greater than 80% of the value of the security property for Principal and Interest Loans or 78% for Interest Only Loans. This may vary based on the size and location of the property.",
        "additionalInfoUri": null,
        "additionalValue": "0.97"
      }
    ],
    "depositRates": [],
    "eligibility": [
      {
        "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": "RESIDENCY_STATUS",
        "additionalInfo": null,
        "additionalInfoUri": null,
        "additionalValue": "Individuals must be citizens or permanent residents of Australia."
      },
      {
        "eligibilityType": "MIN_AGE",
        "additionalInfo": null,
        "additionalInfoUri": null,
        "additionalValue": "18"
      }
    ],
    "features": [
      {
        "featureType": "OTHER",
        "additionalInfo": "Interest Only option available on request",
        "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": "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": "REDRAW",
        "additionalInfo": "Redraw of repaid principal above minimum required is available. Only available for variable rate loans.",
        "additionalInfoUri": null,
        "additionalValue": null,
        "isActivated": "UNKNOWN"
      },
      {
        "featureType": "OFFSET",
        "additionalInfo": "An offset account can be connected to the product",
        "additionalInfoUri": null,
        "additionalValue": null,
        "isActivated": "UNKNOWN"
      },
      {
        "featureType": "EXTRA_REPAYMENTS",
        "additionalInfo": "Additional repayment options without penalty applicable to variable rate loans only.",
        "additionalInfoUri": "https://www.capricornian.com.au/loans/home-loans/premium-choice-loan/",
        "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"
      },
      {
        "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"
      }
    ],
    "fees": [
      {
        "feeType": "EVENT",
        "name": "Fixed Rate Lock Fee - The Fee is 0.15% of the amount of credit or a minimum of $395.",
        "additionalInfo": "Allows you to secure a guaranteed fixed interest rate to protect you against potential interest rate increases that may occur during the settlement period of your loan. The fee will guarantee the Interest rate up to 60 days from the date of the Offer and Loan Contract.",
        "additionalInfoUri": null,
        "additionalValue": null,
        "currency": "AUD",
        "discounts": [],
        "feeMethodUType": "variable",
        "fixedAmount": null,
        "rateBased": null,
        "variable": {
          "feeMinimum": "395.00",
          "feeMaximum": null
        },
        "feeCap": null,
        "feeCapPeriod": null
      },
      {
        "feeType": "EVENT",
        "name": "Contract Variation & Consent Fee",
        "additionalInfo": "A fee is charged when a member applies to vary their loan conditions",
        "additionalInfoUri": null,
        "additionalValue": null,
        "currency": "AUD",
        "discounts": [],
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "400.00"
        },
        "rateBased": null,
        "variable": null,
        "feeCap": null,
        "feeCapPeriod": null
      },
      {
        "feeType": "EXIT",
        "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",
        "fixedAmount": {
          "amount": "300.00"
        },
        "rateBased": null,
        "variable": null,
        "feeCap": null,
        "feeCapPeriod": null
      },
      {
        "feeType": "EVENT",
        "name": "Further Advance Establishment Fee",
        "additionalInfo": "Includes one valuation up to the cost of $300 - Excludes additional valuation costs and solicitors costs to prepare mortgage documents and settlement fees.",
        "additionalInfoUri": null,
        "additionalValue": null,
        "currency": "AUD",
        "discounts": [],
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "400.00"
        },
        "rateBased": null,
        "variable": null,
        "feeCap": null,
        "feeCapPeriod": null
      },
      {
        "feeType": "UPFRONT",
        "name": "Establishment Fee",
        "additionalInfo": "Includes one valuation up to the cost of $300 - Excludes additional valuation costs and solicitors costs to prepare mortgage documents and settlement fees",
        "additionalInfoUri": null,
        "additionalValue": null,
        "currency": "AUD",
        "discounts": [],
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "600.00"
        },
        "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": "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.",
        "additionalInfoUri": null,
        "additionalValue": null,
        "currency": "AUD",
        "discounts": [],
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "40.00"
        },
        "rateBased": null,
        "variable": null,
        "feeCap": null,
        "feeCapPeriod": null
      },
      {
        "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",
        "fixedAmount": {
          "amount": "5.00"
        },
        "rateBased": null,
        "variable": null,
        "feeCap": null,
        "feeCapPeriod": null
      },
      {
        "feeType": "OTHER",
        "name": "Fixed Rate Break Cost",
        "additionalInfo": "You may have to pay this if you pay your loan off in full, make an early or extra repayment above $10,000 p.a, or make certain other changes to your loan, during any fixed-rate period.",
        "additionalInfoUri": null,
        "additionalValue": null,
        "currency": "AUD",
        "discounts": [],
        "feeMethodUType": "variable",
        "fixedAmount": null,
        "rateBased": null,
        "variable": {
          "feeMinimum": "0.00",
          "feeMaximum": null
        },
        "feeCap": null,
        "feeCapPeriod": null
      }
    ],
    "lendingRates": [
      {
        "lendingRateType": "FIXED",
        "rate": "0.0644",
        "additionalInfo": "Comparison rate based on $150,000 loan over 25 years. WARNING: This comparison rate is true only for the examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate.",
        "additionalInfoUri": "https://www.capricornian.com.au/home-loan-rates/",
        "additionalValue": "P1Y",
        "applicationFrequency": "P1M",
        "calculationFrequency": "P1D",
        "comparisonRate": "0.0698",
        "interestPaymentDue": "IN_ARREARS",
        "loanPurpose": "INVESTMENT",
        "repaymentType": "PRINCIPAL_AND_INTEREST",
        "tiers": [
          {
            "minimumValue": "0.00",
            "name": "Loan to valuation ratio equal to or less than 80%",
            "unitOfMeasure": "PERCENT",
            "additionalInfo": null,
            "additionalInfoUri": null,
            "applicabilityConditions": [],
            "maximumValue": "0.80",
            "rateApplicationMethod": "WHOLE_BALANCE"
          }
        ],
        "applicabilityConditions": [
          {
            "additionalInfo": "Aged 18 years or older",
            "additionalInfoUri": null,
            "rateApplicabilityType": "OTHER",
            "additionalValue": null
          }
        ],
        "applicationType": "PERIODIC"
      },
      {
        "lendingRateType": "FIXED",
        "rate": "0.0644",
        "additionalInfo": "Comparison rate based on $150,000 loan over 25 years. WARNING: This comparison rate is true only for the examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate.",
        "additionalInfoUri": "https://www.capricornian.com.au/home-loan-rates/",
        "additionalValue": "P2Y",
        "applicationFrequency": "P1M",
        "calculationFrequency": "P1D",
        "comparisonRate": "0.0693",
        "interestPaymentDue": "IN_ARREARS",
        "loanPurpose": "INVESTMENT",
        "repaymentType": "PRINCIPAL_AND_INTEREST",
        "tiers": [
          {
            "minimumValue": "0.00",
            "name": "Loan to valuation ratio equal to or less than 80%",
            "unitOfMeasure": "PERCENT",
            "additionalInfo": null,
            "additionalInfoUri": null,
            "applicabilityConditions": [],
            "maximumValue": "0.80",
            "rateApplicationMethod": "WHOLE_BALANCE"
          }
        ],
        "applicabilityConditions": [
          {
            "additionalInfo": "Aged 18 years or older",
            "additionalInfoUri": null,
            "rateApplicabilityType": "OTHER",
            "additionalValue": null
          }
        ],
        "applicationType": "PERIODIC"
      },
      {
        "lendingRateType": "FIXED",
        "rate": "0.0664",
        "additionalInfo": "Comparison rate based on $150,000 loan over 25 years. WARNING: This comparison rate is true only for the examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate.",
        "additionalInfoUri": "https://www.capricornian.com.au/home-loan-rates/",
        "additionalValue": "P3Y",
        "applicationFrequency": "P1M",
        "calculationFrequency": "P1D",
        "comparisonRate": "0.0694",
        "interestPaymentDue": "IN_ARREARS",
        "loanPurpose": "INVESTMENT",
        "repaymentType": "PRINCIPAL_AND_INTEREST",
        "tiers": [
          {
            "minimumValue": "0.00",
            "name": "Loan to valuation ratio equal to or less than 80%",
            "unitOfMeasure": "PERCENT",
            "additionalInfo": null,
            "additionalInfoUri": null,
            "applicabilityConditions": [],
            "maximumValue": "0.80",
            "rateApplicationMethod": "WHOLE_BALANCE"
          }
        ],
        "applicabilityConditions": [
          {
            "additionalInfo": "Aged 18 years or older",
            "additionalInfoUri": null,
            "rateApplicabilityType": "OTHER",
            "additionalValue": null
          }
        ],
        "applicationType": "PERIODIC"
      },
      {
        "lendingRateType": "FIXED",
        "rate": "0.0669",
        "additionalInfo": "Comparison rate based on $150,000 loan over 25 years. WARNING: This comparison rate is true only for the examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate.",
        "additionalInfoUri": "https://www.capricornian.com.au/home-loan-rates/",
        "additionalValue": "P2Y",
        "applicationFrequency": "P1M",
        "calculationFrequency": "P1D",
        "comparisonRate": "0.0698",
        "interestPaymentDue": "IN_ARREARS",
        "loanPurpose": "INVESTMENT",
        "repaymentType": "PRINCIPAL_AND_INTEREST",
        "tiers": [
          {
            "minimumValue": "0.80",
            "name": "Loan to valuation ratio greater than 80%",
            "unitOfMeasure": "PERCENT",
            "additionalInfo": null,
            "additionalInfoUri": null,
            "applicabilityConditions": [],
            "maximumValue": "0.97",
            "rateApplicationMethod": "WHOLE_BALANCE"
          }
        ],
        "applicabilityConditions": [
          {
            "additionalInfo": "Aged 18 years or older",
            "additionalInfoUri": null,
            "rateApplicabilityType": "OTHER",
            "additionalValue": null
          }
        ],
        "applicationType": "PERIODIC"
      },
      {
        "lendingRateType": "VARIABLE",
        "rate": "0.0787",
        "additionalInfo": "Comparison rate based on $150,000 loan over 25 years. WARNING: This comparison rate is true only for the examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate.",
        "additionalInfoUri": "https://www.capricornian.com.au/loans/home-loans/premium-choice-loan/",
        "additionalValue": null,
        "applicationFrequency": "P1M",
        "calculationFrequency": "P1D",
        "comparisonRate": "0.0792",
        "interestPaymentDue": "IN_ARREARS",
        "loanPurpose": "INVESTMENT",
        "repaymentType": "PRINCIPAL_AND_INTEREST",
        "tiers": [
          {
            "minimumValue": "50000.00",
            "name": "Loans greater than $50,000",
            "unitOfMeasure": "DOLLAR",
            "additionalInfo": null,
            "additionalInfoUri": null,
            "applicabilityConditions": [],
            "maximumValue": null,
            "rateApplicationMethod": "WHOLE_BALANCE"
          }
        ],
        "applicabilityConditions": [
          {
            "additionalInfo": "Aged 18 years or older",
            "additionalInfoUri": null,
            "rateApplicabilityType": "OTHER",
            "additionalValue": null
          }
        ],
        "applicationType": "PERIODIC"
      },
      {
        "lendingRateType": "FIXED",
        "rate": "0.0659",
        "additionalInfo": "Comparison rate based on $150,000 loan over 25 years. WARNING: This comparison rate is true only for the examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate.",
        "additionalInfoUri": "https://www.capricornian.com.au/home-loan-rates/",
        "additionalValue": "P1Y",
        "applicationFrequency": "P1M",
        "calculationFrequency": "P1D",
        "comparisonRate": "0.07",
        "interestPaymentDue": "IN_ARREARS",
        "loanPurpose": "INVESTMENT",
        "repaymentType": "PRINCIPAL_AND_INTEREST",
        "tiers": [
          {
            "minimumValue": "0.80",
            "name": "Loan to valuation ratio greater than 80%",
            "unitOfMeasure": "PERCENT",
            "additionalInfo": null,
            "additionalInfoUri": null,
            "applicabilityConditions": [],
            "maximumValue": "0.97",
            "rateApplicationMethod": "WHOLE_BALANCE"
          }
        ],
        "applicabilityConditions": [
          {
            "additionalInfo": "Aged 18 years or older",
            "additionalInfoUri": null,
            "rateApplicabilityType": "OTHER",
            "additionalValue": null
          }
        ],
        "applicationType": "PERIODIC"
      },
      {
        "lendingRateType": "FIXED",
        "rate": "0.0689",
        "additionalInfo": "Comparison rate based on $150,000 loan over 25 years. WARNING: This comparison rate is true only for the examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate.",
        "additionalInfoUri": "https://www.capricornian.com.au/home-loan-rates/",
        "additionalValue": "P3Y",
        "applicationFrequency": "P1M",
        "calculationFrequency": "P1D",
        "comparisonRate": "0.0701",
        "interestPaymentDue": "IN_ARREARS",
        "loanPurpose": "INVESTMENT",
        "repaymentType": "PRINCIPAL_AND_INTEREST",
        "tiers": [
          {
            "minimumValue": "0.80",
            "name": "Loan to valuation ratio greater than 80%",
            "unitOfMeasure": "PERCENT",
            "additionalInfo": null,
            "additionalInfoUri": null,
            "applicabilityConditions": [],
            "maximumValue": "0.97",
            "rateApplicationMethod": "WHOLE_BALANCE"
          }
        ],
        "applicabilityConditions": [
          {
            "additionalInfo": "Aged 18 years or older",
            "additionalInfoUri": null,
            "rateApplicabilityType": "OTHER",
            "additionalValue": null
          }
        ],
        "applicationType": "PERIODIC"
      }
    ],
    "instalments": null
  }
}