{
  "version": "1.0.0",
  "engine_version": "1.0.0",
  "not_advice": "This records and costs the options a broker chose. It does not choose, it does not write a reason, and it does not state that the best interests duty was discharged. Creditcrest Technologies is not a credit provider, is not a credit assistance provider, and holds no Australian credit licence.",
  "status": "unsealed",
  "as_at": "2026-09-26T17:11:03.716Z",
  "loan": {
    "amount": 500000,
    "value": null,
    "years": 30,
    "purpose": "OWNER_OCCUPIED",
    "repayment": "PRINCIPAL_AND_INTEREST",
    "interestOnlyYears": 0,
    "lvr": null,
    "deposit": null,
    "showAll": false
  },
  "figures": {
    "source": "Consumer Data Right Product Reference Data",
    "retrieved_at": "2026-09-19T16:10:55.791Z",
    "age_days": 7,
    "brands_read": 93,
    "brands_on_the_register": 117,
    "products_read": 1360
  },
  "what_the_file_still_needs": [
    {
      "id": "options",
      "needs": "At least one option, so that there is something to cost.",
      "parameter": "opt",
      "reference": "RG 273.93",
      "quote": "We consider that it is important that consumers are presented with options and understand why: (a) the options presented to them have been selected; (b) other options have not been presented to them …; and (c) a particular option has been recommended to them.",
      "detail": null,
      "each": null
    },
    {
      "id": "broker",
      "needs": "The name of the person whose file this is.",
      "parameter": "by",
      "reference": "RG 273.21",
      "quote": "We expect that evidence of compliance with the best interests obligations will come predominantly from the broker’s records.",
      "detail": null,
      "each": null
    },
    {
      "id": "licensee",
      "needs": "The credit licensee the broker acts under, because the licensee carries the obligation to take reasonable steps.",
      "parameter": "lic",
      "reference": "RG 273.21",
      "quote": "We expect that evidence of compliance with the best interests obligations will come predominantly from the broker’s records.",
      "detail": null,
      "each": null
    },
    {
      "id": "recommendation",
      "needs": "Either the option the broker recommended, or the reason no recommendation was made. A file with neither says nothing.",
      "parameter": "rec",
      "reference": "RG 273.165",
      "quote": "Generally, we expect you to keep records that include … the options and ultimate recommendation you gave and the reasons why (including a detailed description of your decision-making process).",
      "detail": null,
      "each": null
    }
  ],
  "refused_by_the_engine": null,
  "options_costed": [],
  "options_not_available_to_this_consumer": [],
  "considered_but_not_costed": [],
  "refinance": null,
  "seal": null,
  "link": "/broker?amount=500000&years=30",
  "link_length": 30,
  "could_not_read": []
}