{
  "source": "https://api.zil.openbanking.prod.peppermoney.com.au/cds-au/v1/banking/products/ZIL05000",
  "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": "ZIL05000",
    "lastUpdated": "2026-06-23T01:20:06Z",
    "productCategory": "BUSINESS_LOANS",
    "name": "Prime Non-standard regulated consumer loan (CRE Loan)",
    "description": "Our variable rate home loan options give you the flexibility to manage your money how and when you want. You’ll get access to our online loan portal, the freedom to make additional repayments along with the option for a 100% interest offset sub-account.",
    "brand": "Zillion Finance (N1 Plus)",
    "brandName": "Zillion Finance (N1 Plus)",
    "isTailored": true,
    "additionalInformation": {},
    "features": [
      {
        "featureType": "OFFSET",
        "additionalInfo": "100% Interest Offset sub-account. Manage loan interest charged with an Offset sub-account."
      },
      {
        "featureType": "REDRAW",
        "additionalInfo": "Redraw Facility (minimum redraw amounts apply). Make additional repayments and redraw at any time."
      },
      {
        "featureType": "EXTRA_REPAYMENTS",
        "additionalInfo": "Additional repayments. Make extra repayments at any time, subject to terms and conditions."
      },
      {
        "featureType": "OTHER",
        "additionalInfo": "Flexible Loan Terms. 1-30 year loan terms are available."
      },
      {
        "featureType": "DIGITAL_BANKING",
        "additionalInfo": "Provides borrowers online access to view and manage loan accounts."
      },
      {
        "featureType": "OTHER",
        "additionalInfo": "Repayment option - choose between variable and interest only (max 5 years) repayments."
      }
    ],
    "constraints": [
      {
        "constraintType": "MIN_LIMIT",
        "additionalValue": "100000.00"
      }
    ],
    "eligibility": [
      {
        "eligibilityType": "MIN_AGE",
        "additionalValue": "18",
        "additionalInfo": "Individual borrower must be 18 years + to enter into a contract."
      },
      {
        "eligibilityType": "RESIDENCY_STATUS",
        "additionalValue": "Only available to Australian Citizens or Permanent Residents."
      },
      {
        "eligibilityType": "OTHER",
        "additionalInfo": "All applications are subject to credit assessment and eligibility criteria."
      }
    ],
    "fees": [
      {
        "name": "Prime Establishment Fee",
        "feeType": "UPFRONT",
        "feeMethodUType": "variable",
        "variable": {},
        "currency": "AUD",
        "additionalInfo": "Charged once at loan establishment for prime commercial mortgage applications. Fee is 0.85% of balance for Prime Full Doc; Fee is 1% of balance for Prime Alt Doc."
      },
      {
        "name": "Prime Admin Fee",
        "feeType": "PERIODIC",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "25.00"
        },
        "currency": "AUD",
        "additionalValue": "P1M",
        "additionalInfo": "Charged monthly per account split for ongoing administration of the loan."
      },
      {
        "name": "Legal Fee",
        "feeType": "UPFRONT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "825.00"
        },
        "currency": "AUD",
        "additionalInfo": "Covers standard legal costs incurred at loan establishment."
      },
      {
        "name": "Legal Disbursements",
        "feeType": "UPFRONT",
        "feeMethodUType": "variable",
        "variable": {},
        "currency": "AUD",
        "additionalInfo": "Third-party legal costs such as searches and registrations, charged at cost."
      },
      {
        "name": "Discharge Fee",
        "feeType": "EXIT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "500.00"
        },
        "currency": "AUD",
        "additionalInfo": "Charged per plan when the loan is fully discharged."
      },
      {
        "name": "Valuation Fee",
        "feeType": "UPFRONT",
        "feeMethodUType": "variable",
        "variable": {},
        "currency": "AUD"
      },
      {
        "name": "Early Repayment Fee",
        "feeType": "EVENT",
        "feeMethodUType": "rateBased",
        "rateBased": {
          "rateType": "BALANCE",
          "rate": "0.02",
          "amountRange": {}
        },
        "currency": "AUD",
        "additionalInfo": "Only applicable if the loan is repaid within the first 3 years."
      }
    ]
  }
}