{
  "source": "https://api.tiimely.app.bendigobank.com.au/cds-au/v1/banking/products/08e18ffd-4d24-4b69-8fbe-c01bdd65cc7f",
  "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": "08e18ffd-4d24-4b69-8fbe-c01bdd65cc7f",
    "effectiveFrom": "2025-05-19T14:31:00Z",
    "lastUpdated": "2026-07-16T18:43:02+10:00",
    "productCategory": "RESIDENTIAL_MORTGAGES",
    "name": "Tiimely Offset Home Loan",
    "description": "For customers who want flexibility to pay down their loan sooner and access additional features such as offset accounts. ",
    "brand": "TIIMELY",
    "brandName": "Tiimely",
    "isTailored": false,
    "additionalInformation": {
      "overviewUri": "https://www.bendigobank.com.au/partner/tiimely-home/features/",
      "termsUri": "https://www.bendigobank.com.au/partner/tiimely-home/disclosure-documents/"
    },
    "features": [
      {
        "featureType": "OFFSET",
        "additionalInfo": "Up to six 100% Offset Accounts per loan. Full offset if Variable or Fixed. Offsets for Tiimely Home Loans must be in the same customer number as the home loan."
      },
      {
        "featureType": "REDRAW",
        "additionalInfo": "Manual & Online redraw available"
      },
      {
        "featureType": "OTHER",
        "additionalInfo": "Monthly repayments"
      },
      {
        "featureType": "EXTRA_REPAYMENTS",
        "additionalInfo": "Unlimited additional repayments if variable, Max $20,000 p.a without penalty for fixed loans "
      }
    ],
    "constraints": [
      {
        "constraintType": "MIN_LIMIT",
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      },
      {
        "constraintType": "MAX_LVR",
        "additionalValue": "0.95"
      }
    ],
    "eligibility": [
      {
        "eligibilityType": "MIN_AGE",
        "additionalValue": "18"
      },
      {
        "eligibilityType": "OTHER",
        "additionalInfo": "Credit and Lending Criteria, Fees and Charges Apply"
      }
    ],
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      {
        "name": "Establishment Fee",
        "feeType": "UPFRONT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "0.00"
        }
      },
      {
        "name": "Application Fee",
        "feeType": "UPFRONT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "0.00"
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      {
        "name": "Security Processing Fee",
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      },
      {
        "name": "Settlement Service Fee",
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        "feeMethodUType": "fixedAmount",
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        }
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        "name": "Monthly Service Fee",
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        "fixedAmount": {
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        },
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      },
      {
        "name": "Bank Cheque Fee",
        "feeType": "EVENT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "10.00"
        }
      },
      {
        "name": "Online Redraw Fee",
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        }
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        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "0.00"
        },
        "additionalInfo": "Payable each time we agree to a redraw request you make otherwise than through Bendigo e-banking"
      },
      {
        "name": "Duplicate Fee",
        "feeType": "EVENT",
        "feeMethodUType": "fixedAmount",
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      },
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        "name": "Default Fee",
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      {
        "name": "Discharge Administration Fee",
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        "feeMethodUType": "fixedAmount",
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        "name": "Break Cost Fee",
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        },
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            "name": "LVR",
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        "lendingRateType": "VARIABLE",
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      },
      {
        "lendingRateType": "VARIABLE",
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        ]
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      {
        "lendingRateType": "VARIABLE",
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        ]
      },
      {
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        ],
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        ],
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      {
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        ],
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        ],
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        ],
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      },
      {
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        ]
      },
      {
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        ]
      },
      {
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        ]
      },
      {
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        ]
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      {
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        ],
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      {
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        ],
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      },
      {
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        ],
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      {
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        ],
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        ],
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      },
      {
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        ],
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      },
      {
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        "applicationType": "PERIODIC",
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            "rateApplicationMethod": "WHOLE_BALANCE",
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        ],
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      },
      {
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            "additionalInfo": "Borrowing over 80% to 90% of the property value"
          }
        ],
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      },
      {
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          }
        ],
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      },
      {
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          }
        ],
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      },
      {
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        ]
      },
      {
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          }
        ]
      },
      {
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        ]
      },
      {
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          {
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            "unitOfMeasure": "PERCENT",
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          }
        ]
      },
      {
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            "unitOfMeasure": "PERCENT",
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          }
        ]
      },
      {
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          {
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            "unitOfMeasure": "PERCENT",
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            "rateApplicationMethod": "WHOLE_BALANCE",
            "additionalInfo": "Borrowing up to 80% of the property value"
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        ],
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      },
      {
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          {
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            "unitOfMeasure": "PERCENT",
            "minimumValue": "0.8001",
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            "rateApplicationMethod": "WHOLE_BALANCE",
            "additionalInfo": "Borrowing over 80% to 90% of the property value"
          }
        ],
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      },
      {
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          {
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            "unitOfMeasure": "PERCENT",
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            "rateApplicationMethod": "WHOLE_BALANCE",
            "additionalInfo": "Borrowing up to 80% of the property value"
          }
        ],
        "additionalValue": "P2Y"
      },
      {
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        "applicationType": "PERIODIC",
        "applicationFrequency": "P1M",
        "interestPaymentDue": "IN_ARREARS",
        "repaymentType": "INTEREST_ONLY",
        "loanPurpose": "INVESTMENT",
        "tiers": [
          {
            "name": "LVR",
            "unitOfMeasure": "PERCENT",
            "minimumValue": "0.8001",
            "maximumValue": "0.9",
            "rateApplicationMethod": "WHOLE_BALANCE",
            "additionalInfo": "Borrowing over 80% to 90% of the property value"
          }
        ],
        "additionalValue": "P2Y"
      },
      {
        "lendingRateType": "FIXED",
        "rate": "0.0664",
        "comparisonRate": "0.0658",
        "calculationFrequency": "P1D",
        "applicationType": "PERIODIC",
        "applicationFrequency": "P1M",
        "interestPaymentDue": "IN_ARREARS",
        "repaymentType": "INTEREST_ONLY",
        "loanPurpose": "INVESTMENT",
        "tiers": [
          {
            "name": "LVR",
            "unitOfMeasure": "PERCENT",
            "minimumValue": "0",
            "maximumValue": "0.8",
            "rateApplicationMethod": "WHOLE_BALANCE",
            "additionalInfo": "Borrowing up to 80% of the property value"
          }
        ],
        "additionalValue": "P3Y"
      },
      {
        "lendingRateType": "FIXED",
        "rate": "0.0684",
        "comparisonRate": "0.0685",
        "calculationFrequency": "P1D",
        "applicationType": "PERIODIC",
        "applicationFrequency": "P1M",
        "interestPaymentDue": "IN_ARREARS",
        "repaymentType": "INTEREST_ONLY",
        "loanPurpose": "INVESTMENT",
        "tiers": [
          {
            "name": "LVR",
            "unitOfMeasure": "PERCENT",
            "minimumValue": "0.8001",
            "maximumValue": "0.9",
            "rateApplicationMethod": "WHOLE_BALANCE",
            "additionalInfo": "Borrowing over 80% to 90% of the property value"
          }
        ],
        "additionalValue": "P3Y"
      },
      {
        "lendingRateType": "FIXED",
        "rate": "0.0669",
        "comparisonRate": "0.0662",
        "calculationFrequency": "P1D",
        "applicationType": "PERIODIC",
        "applicationFrequency": "P1M",
        "interestPaymentDue": "IN_ARREARS",
        "repaymentType": "INTEREST_ONLY",
        "loanPurpose": "INVESTMENT",
        "tiers": [
          {
            "name": "LVR",
            "unitOfMeasure": "PERCENT",
            "minimumValue": "0",
            "maximumValue": "0.8",
            "rateApplicationMethod": "WHOLE_BALANCE",
            "additionalInfo": "Borrowing up to 80% of the property value"
          }
        ],
        "additionalValue": "P4Y"
      },
      {
        "lendingRateType": "FIXED",
        "rate": "0.0689",
        "comparisonRate": "0.0688",
        "calculationFrequency": "P1D",
        "applicationType": "PERIODIC",
        "applicationFrequency": "P1M",
        "interestPaymentDue": "IN_ARREARS",
        "repaymentType": "INTEREST_ONLY",
        "loanPurpose": "INVESTMENT",
        "tiers": [
          {
            "name": "LVR",
            "unitOfMeasure": "PERCENT",
            "minimumValue": "0.8001",
            "maximumValue": "0.9",
            "rateApplicationMethod": "WHOLE_BALANCE",
            "additionalInfo": "Borrowing over 80% to 90% of the property value"
          }
        ],
        "additionalValue": "P4Y"
      },
      {
        "lendingRateType": "FIXED",
        "rate": "0.0669",
        "comparisonRate": "0.0664",
        "calculationFrequency": "P1D",
        "applicationType": "PERIODIC",
        "applicationFrequency": "P1M",
        "interestPaymentDue": "IN_ARREARS",
        "repaymentType": "INTEREST_ONLY",
        "loanPurpose": "INVESTMENT",
        "tiers": [
          {
            "name": "LVR",
            "unitOfMeasure": "PERCENT",
            "minimumValue": "0",
            "maximumValue": "0.8",
            "rateApplicationMethod": "WHOLE_BALANCE",
            "additionalInfo": "Borrowing up to 80% of the property value"
          }
        ],
        "additionalValue": "P5Y"
      },
      {
        "lendingRateType": "FIXED",
        "rate": "0.0689",
        "comparisonRate": "0.069",
        "calculationFrequency": "P1D",
        "applicationType": "PERIODIC",
        "applicationFrequency": "P1M",
        "interestPaymentDue": "IN_ARREARS",
        "repaymentType": "INTEREST_ONLY",
        "loanPurpose": "INVESTMENT",
        "tiers": [
          {
            "name": "LVR",
            "unitOfMeasure": "PERCENT",
            "minimumValue": "0.8001",
            "maximumValue": "0.9",
            "rateApplicationMethod": "WHOLE_BALANCE",
            "additionalInfo": "Borrowing over 80% to 90% of the property value"
          }
        ],
        "additionalValue": "P5Y"
      }
    ]
  }
}