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[RateGap](/)every home loan rate lenders publish, compared

# Who made this

One person. No lender, no broker, no commission.

I'm [Justin Wong](https://justinwong.io). I built this site and I
      run it. There is no company behind it and nobody else edits it. When a page is wrong, I am
      the one who fixes it.

## What it does

Every morning it reads the home loan rates Australian lenders publish under the Consumer
      Data Right, from each lender's own feed. Nobody types a rate in. Then it compares the rate
      you give it against all of them. It says what the difference is, how much of it a phone call
      to your own lender can close, and how much would take an application.
      [Every lender it reads](/lenders) has a page.
      [The data](/data) is free to download, so any number here can be checked
      against the file, and the file against the lender.

## How it is paid for

No lender pays to be listed, ranked or linked, and I earn nothing from what you do after
      reading a page. The income is [an API](/api), sold at A$199 a
      month to people building software, and a tip jar. That is all of it.

## What it will not say

That you will pay less by an amount: variable rates move, and a difference measured today
      does not last. That a lender would take you, or that it would not: the data says a product is
      restricted, and nothing about you. Cheapest or best: no badges, no stars, no
      ranking. It is not advice, and
      I am not a broker. A broker knows you. This site only knows the rates.

## When it is wrong

It has been, in public. The fastest fixes came from a reader naming a lender and a
      number. The box at the foot of every page reaches me, and so does
      contact aaaaat justinwong.io. Don't send statements or account numbers; nothing
      here needs them. What is kept is on [the privacy page](/privacy).