{
  "source": "https://public.cdr-thinktank-by-lmg.thinktank.au/cds-au/v1/banking/products/1e98c168-b62f-4b23-bf00-c12e2239b55d",
  "note": "Product Reference Data published by the data holder under the Consumer Data Right, as cached by this site (refreshed every 6 hours).",
  "data": {
    "additionalInformation": {
      "additionalFeesAndPricingUris": [
        {
          "additionalInfoUri": "https://thinktank.au/resources/all-products-and-rates-compilation/?brand=ThinktankbyLMG"
        }
      ],
      "feesAndPricingUri": "https://thinktank.au/resources/schedule-of-fees/?brand=ThinktankbyLMG"
    },
    "brand": "Thinktank by LMG",
    "brandName": "Thinktank by LMG",
    "constraints": [
      {
        "additionalInfo": "Loans start from $100K",
        "additionalValue": "100000.00",
        "constraintType": "MIN_LIMIT"
      },
      {
        "additionalInfo": "Up to $5M, subject to approval",
        "additionalValue": "5000000.00",
        "constraintType": "MAX_LIMIT"
      },
      {
        "additionalInfo": "LVRs and pricing vary by location",
        "additionalValue": "Postcode Rules",
        "constraintType": "OTHER"
      }
    ],
    "description": "Flexible residential lending for owner occupier or investor to refinance, cash out or purchase residential property or vacant land.",
    "eligibility": [
      {
        "additionalValue": "Business including sole traders, partnerships, trusts and registered companies.",
        "eligibilityType": "BUSINESS"
      },
      {
        "additionalValue": "Property investors and owner occupiers.",
        "eligibilityType": "NATURAL_PERSON"
      },
      {
        "additionalInfo": "Borrowers must be 18 years or older.",
        "additionalValue": "18",
        "eligibilityType": "MIN_AGE"
      },
      {
        "additionalInfo": "Loan must meet lending policy and criteria.",
        "additionalValue": "Subject to lending criteria.",
        "eligibilityType": "OTHER"
      }
    ],
    "features": [
      {
        "additionalInfo": "Digital access to customer portal to view and manage loans.",
        "featureType": "DIGITAL_BANKING"
      },
      {
        "additionalInfo": "Guarantors permitted.",
        "featureType": "GUARANTOR"
      },
      {
        "additionalInfo": "Available for some variable rate loans, enabling access to extra or early payments made to an eligible loan.",
        "featureType": "REDRAW"
      },
      {
        "additionalInfo": "Available for variable rate loans, enabling access to extra or early payments made to an eligible loan. Offset facility running balance provided as part of loan statement.",
        "featureType": "OFFSET"
      },
      {
        "additionalInfo": "Extra or early repayments permitted for eligible variable rate loans.",
        "featureType": "EXTRA_REPAYMENTS"
      }
    ],
    "fees": [
      {
        "additionalInfo": "Multiple establishment fee structure available, GST applicable in addition to fee minimum value.",
        "additionalInfoUri": "https://thinktank.au/resources/schedule-of-fees/?brand=ThinktankbyLMG",
        "currency": "AUD",
        "feeMethodUType": "variable",
        "feeType": "UPFRONT",
        "name": "Establishment Fee",
        "variable": {
          "feeMinimum": "650.00"
        }
      },
      {
        "additionalInfo": "Valuation fees depend on property type and location, GST applicable in addition to fee minimum value.",
        "additionalInfoUri": "https://thinktank.au/resources/schedule-of-fees/?brand=ThinktankbyLMG",
        "currency": "AUD",
        "feeMethodUType": "variable",
        "feeType": "UPFRONT",
        "name": "Valuation Fee",
        "variable": {
          "feeMinimum": "350.00"
        }
      },
      {
        "additionalInfo": "A fixed settlement fee is charged when the loan is settled.",
        "additionalInfoUri": "https://thinktank.au/resources/schedule-of-fees/?brand=ThinktankbyLMG",
        "currency": "AUD",
        "feeMethodUType": "fixedAmount",
        "feeType": "UPFRONT",
        "fixedAmount": {
          "amount": "495.00"
        },
        "name": "Settlement Fee"
      },
      {
        "additionalInfo": "Covers the administrative process for full or partial discharge of security, plus any legal fees.",
        "additionalInfoUri": "https://thinktank.au/resources/schedule-of-fees/?brand=ThinktankbyLMG",
        "currency": "AUD",
        "feeMethodUType": "variable",
        "feeType": "EXIT",
        "name": "Discharge Fee",
        "variable": {
          "feeMinimum": "495.00"
        }
      }
    ],
    "isTailored": false,
    "lastUpdated": "2026-07-05T05:23:40Z",
    "lendingRates": [
      {
        "additionalInfo": "Minimum starting rate for residential loans, higher rate applies depending on income verification type, LVR, security locations and other lending criteria.",
        "additionalInfoUri": "https://thinktank.au/resources/all-products-and-rates-compilation/?brand=ThinktankbyLMG",
        "applicationFrequency": "P1M",
        "applicationType": "PERIODIC",
        "calculationFrequency": "P1D",
        "comparisonRate": "0.0689",
        "lendingRateType": "VARIABLE",
        "loanPurpose": "OWNER_OCCUPIED",
        "rate": "0.0678",
        "repaymentType": "PRINCIPAL_AND_INTEREST"
      },
      {
        "additionalInfo": "Minimum starting rate for residential loans, higher rate applies depending on income verification type, LVR, security locations and other lending criteria.",
        "additionalInfoUri": "https://thinktank.au/resources/all-products-and-rates-compilation/?brand=ThinktankbyLMG",
        "applicationFrequency": "P1M",
        "applicationType": "PERIODIC",
        "calculationFrequency": "P1D",
        "comparisonRate": "0.0709",
        "lendingRateType": "VARIABLE",
        "loanPurpose": "OWNER_OCCUPIED",
        "rate": "0.0698",
        "repaymentType": "INTEREST_ONLY"
      },
      {
        "additionalInfo": "Minimum starting rate for residential loans, higher rate applies depending on income verification type (including SMSF loans), LVR, security locations and other lending criteria.",
        "additionalInfoUri": "https://thinktank.au/resources/all-products-and-rates-compilation/?brand=ThinktankbyLMG",
        "applicationFrequency": "P1M",
        "applicationType": "PERIODIC",
        "calculationFrequency": "P1D",
        "comparisonRate": "0.0719",
        "lendingRateType": "VARIABLE",
        "loanPurpose": "INVESTMENT",
        "rate": "0.0708",
        "repaymentType": "INTEREST_ONLY"
      },
      {
        "additionalInfo": "Minimum starting rate for residential loans, higher rate applies depending on income verification type (including SMSF loans), LVR, security locations and other lending criteria.",
        "additionalInfoUri": "https://thinktank.au/resources/all-products-and-rates-compilation/?brand=ThinktankbyLMG",
        "applicationFrequency": "P1M",
        "applicationType": "PERIODIC",
        "calculationFrequency": "P1D",
        "comparisonRate": "0.0699",
        "lendingRateType": "VARIABLE",
        "loanPurpose": "INVESTMENT",
        "rate": "0.0688",
        "repaymentType": "PRINCIPAL_AND_INTEREST"
      }
    ],
    "name": "Residential Loan",
    "productCategory": "RESIDENTIAL_MORTGAGES",
    "productId": "1e98c168-b62f-4b23-bf00-c12e2239b55d"
  }
}