Products

Products are the catalog your partner credential can quote against. You list them before you check serviceability, and you read the fee schedule from them when you map a Slate quote into your own origination system. The catalog is read-only and never an approval or a quote.

The product model

Products are named Boost Owner Occupier P&I [LVR band], for example Boost Owner Occupier P&I 82-83%. There is one product per 1% LVR increment. The band boundary convention runs from a whole number to the next whole number minus 0.01, so Boost Owner Occupier P&I 82-83% covers an LVR of 82.00 to 82.99.

The broker selects one product. Slate splits the loan on the backend into a primary mortgage alongside the deposit boost; the primary mortgage can itself be a principal-and-interest facility plus an interest-only facility. The broker never splits the loan manually for the deposit-boost product to appear. See the result.proposedLoan.splits detail in the Quickstart response for the shape Slate returns.

The serviceability check returns the single product that matches the scenario's LVR band, eligibility-filtered. It does not return a list of every lower band. Routing is driven by loan.purpose and the products on your allowlist; if the scenario resolves to no available product, the check returns scenario_matches_no_product.

List products

GET /api/v1/pre-submission/products

Returns a ProductsResponse carrying the products your credential can quote against. Send the Bearer token described in Authentication; no body is required.

curl -sS "https://api.slateos.ai/api/v1/pre-submission/products" \
  -H "Authorization: Bearer $ACCESS_TOKEN"

{
  "products": [
    {
      "code": "OHDBOO",
      "displayName": "Boost Owner Occupier P&I 82-83%",
      "type": "OwnerOccupied",
      "comparisonRatePercent": 8.25,
      "displayFees": [
        { "name": "Application Fee", "amount": 39900, "frequency": "OneOff" },
        { "name": "Ongoing Fee", "amount": 39500, "frequency": "Annual" },
        { "name": "Lender Legals", "amount": 27500, "frequency": "OneOff" },
        { "name": "Low Deposit Premium", "amount": 1450000, "frequency": "OneOff" }
      ]
    }
  ]
}

Reading the fields:

• code is the partner product code (opaque, e.g. OHDBOO). You do not pass it at serviceability; Slate routes the scenario and echoes the routed code back as selectedProductCode.
• displayName is the human-readable name carrying the LVR band.
• type is the occupancy classification, OwnerOccupied or Investment.
• comparisonRatePercent is the AU-convention representative comparison rate as a 0-100 percentage (8.25 means 8.25%).
• displayFees is the display-only fee schedule, sourced from Slate. Each fee carries a name, an amount in integer cents, and a frequency of OneOff, Monthly, or Annual.

Rates and repayments

The product's comparisonRatePercent is a representative disclosure figure. The rate you quote a borrower comes from the serviceability check, not from the catalog.

The serviceability check returns the exact, real, blended rate for the scenario's actual LVR, amount-weighted across the splits. It is never ceilinged or floored to the band, and never higher than the band's quoted rate. Within a band the rate varies slightly with the exact LVR, and the exact rate is always returned as result.proposedLoan.blendedRatePercent.

The serviceability response also returns the full resolved product in its product object: the scenario's blendedRatePercent, the comparisonRatePercent, and the displayFees with their resolved amounts. Because the blended rate and the Low Deposit Premium are scenario-dependent, the rate and fees you quote come from that product object; this catalog endpoint is the static disclosure.

Repayments come back as a single headline monthly figure plus two phases. Years 1 to 15 run at one figure; years 15 to 30 step down as the 15-year deposit-boost split is repaid. The headline and per-split figures are in the Quickstart response. The full month-by-month schedule is available from:

GET /api/v1/pre-submission/serviceability/{preSubmissionRequestUid}/repayment-schedule

Pass the preSubmissionRequestUid returned by the serviceability check.

Fees and the LMI mapping

The standard application fee and ongoing fee come back in the product details, along with the rest of the fee schedule. The full schedule is sourced from Slate and returned in displayFees.

Slate returns a fee named Low Deposit Premium. Map this figure to the LMI field in your own origination system (for example NextGen or Soakr). This is the one fee mapping to resolve up front, because the source label and your target field name differ.

Slate fee (displayFees[].name)	Frequency	Maps to in your system
Application Fee	OneOff	Application fee
Ongoing Fee	Annual	Ongoing / service fee
Lender Legals	OneOff	Lender legals
Low Deposit Premium	OneOff	LMI

The Lender Legals fee (27500 cents, $275.00) is OwnHome/lender-specific and sources from the Slate fee product.

Target values to confirm before go-live

The product naming convention (Boost Owner Occupier P&I [LVR band]), the band boundary rule (whole number to next whole number minus 0.01), the fee amounts above, the Low Deposit Premium to LMI mapping, and the two-phase headline plus scheduled repayments are target values published for review. Confirm them with your Slate integration manager before go-live.

Next steps

List your products, then follow the Quickstart to check serviceability against one. See Serviceability Request Fields for the request breakdown, Required Documents for the evidence list, and the API Reference for the full ProductsResponse, ProductDto, and DisplayFeeDto schemas.