RateGapevery home loan rate lenders publish, compared

Every figure on this site comes from here.

Name: Australian home loan rates published under the Consumer Data Right
Creator: RateGap
License: https://creativecommons.org/licenses/by/4.0/

133 lenders publish home loan rates under the Consumer Data Right. Of these, 118 publish 10 or more, enough for a page of their own. This site captures all of them, once a day. The comparison runs on nothing else. Rates checked Monday 2 November at 7:01 am (Sydney time).

133lenders publish rates

1,848products

20,777advertised rates

9,734variable

11,043fixed

The comparison draws on 1,838 of those products: the ones from lenders still sending rates.

Browse the rates →

The files

Download the whole set (CSV)

The file holds every rate currently advertised. Each row carries the lender and the product it belongs to. It is rebuilt each night, after the capture. What changed is a second file, in JSONL. The file manifest.json says what was built and when. Read that rather than guessing at dates. Dated copies are kept for 30 days. Fetching them on a schedule is covered on the API page.

The licence, and how to cite it

The data is free, under CC BY 4.0. Take it, republish it, or build on it. The one condition is that you say where it came from. The rates belong to the lenders, who publish them because the Consumer Data Right requires it. They are not mine to charge for.

RateGap. (2026). Australian home loan rate data (Version 2 November 2026) [Data set]. https://rategap.com.au/data

In the text: (RateGap, 2026). The licence asks to be named as well, so say the data is used under CC BY 4.0 where you describe it.

Citing this? The reference, in APA 7.

Need numbers that will not change after you cite them? The files as read on 7 October 2026 are archived on Zenodo, with a DOI: doi.org/10.5281/zenodo.23200345.

What is in it, and what is not

These rates will always be free. What is sold as an API is the reading of them. That means the going rate, the fee allowance, which lenders a given borrower can actually use, and what to do about it.

One thing is deliberately missing from the file: who each loan is for. Some are for defence personnel only. Others are for the members of one mutual, or for first home buyers, or are closed to a self-managed super fund. No lender files this as data, because the Consumer Data Right field for it is boilerplate. So it is read out of each lender's own wording instead, and the sentence it came from is kept as evidence. That layer is part of the API.

Lenders also publish 414 rows that are not prices. These are margin discounts, introductory offers and bundle rates. The rate list shows them under "everything", labelled as what they are. The comparison never uses them.

3 lenders have stopped sending rates. The 112 rates they last published are kept and shown with their date, and the comparison leaves those lenders out until fresh rates arrive. Which ones, and since when.

What the market looks like today

median advertised, by segment

The median of each product's lowest advertised variable rate. These are advertised prices. No published data can show what anyone actually pays.

Segment	Median advertised	Products
Owner-occupied, paying it down	6.54%	572
Owner-occupied, interest only	7.29%	395
Investment, paying it down	6.84%	521
Investment, interest only	7.24%	458

How often it moves

a change log, not snapshots

Rates are captured once a day. A row is written only when something changed. History begins 16 August 2026 and grows a row a day from here.

Date (UTC)	Rates changed	New rates
2026-11-01	1	0
2026-10-31	0	112
2026-10-30	51	204
2026-10-29	2	205
2026-10-28	69	97
2026-10-27	50	65
2026-10-26	154	107
2026-10-24	0	36
2026-10-23	17	72
2026-10-22	163	112
2026-10-21	68	330
2026-10-20	0	25
2026-10-19	54	37
2026-10-18	144	64
2026-10-17	144	30
2026-10-16	174	9
2026-10-15	594	37
2026-10-14	942	80
2026-10-13	630	19
2026-10-12	322	3
2026-10-11	46	0
2026-10-10	203	0
2026-10-09	5,473	502
2026-10-08	2,437	198
2026-10-07	817	43
2026-10-06	445	153
2026-10-05	56	0
2026-10-04	638	0
2026-10-03	1,152	0
2026-10-02	497	0

Every movement, per lender →

Whether the capture is healthy

what the operator watches

Stopped sending rates. Every lender is asked for its rates each morning. These have stopped answering. The rates they last published are kept and dated, and left out of every figure on this site until they answer again. That happens on its own the morning they do.

Lender	Last published	Mornings missed	Rates kept
Family First	Thursday 27 August, 10 weeks ago	66	22
HSBC	Monday 17 August, 11 weeks ago	76	7
Suncorp Bank	Wednesday 7 October, 4 weeks ago	26	83

One row per nightly run: brands read cleanly, brands that failed, and rate rows written. These are the same numbers the operator watches, shown rather than summarised.

The first column counts every brand whose feed was read without an error, priced home loan rates or not. So it is a different figure from the 133 lenders that publish rates.

Run (UTC)	Brands read	Failed	Rates written
2026-11-01	155	46	1
2026-10-31	154	46	112
2026-10-30	154	47	255
2026-10-29	152	49	207
2026-10-28	152	49	166
2026-10-27	154	42	115
2026-10-26	154	41	261
2026-10-25	155	36	0
2026-10-24	153	38	36
2026-10-23	154	37	89
2026-10-22	153	37	275
2026-10-21	154	35	398
2026-10-20	143	39	25
2026-10-19	141	39	91

Machine-readable: /health · /coverage · /distribution

What happens when people ring

the only figure here that comes from readers

The comparison tells people to ring their lender first. Under that advice are three buttons: they matched it, they came part way, they said no. Nothing identifying is kept. The balance is stored only to the nearest $100,000. This is what people have reported, by how far above the going rate they were.

24people rang

4%matched

0%part way

96%refused

Gap above going rate	Rang	Matched	Refused
under 0.25 points	6	0	6
0.25 – 0.44 points	5	0	5
over 0.44 points	12	1	11
gap not recorded	1	0	1

The comparison's threshold table uses 0.44 percentage points as the discount lenders give for asking. That is a proxy. It comes from the gap between the median advertised rate and the RBA's average rate actually paid on new loans, measured when the site was built. These answers are what will replace it.

What has been found in it

two pieces of research

The 80% line: what lenders charge above it

The rate your fixed loan rolls onto

Whose rates these are

one page per lender

The list above is every lender at once. Each lender that publishes enough of them also has a page of its own. It shows what the lender advertises today, where that sits against the going rate, and when it last moved a rate.

Every lender that publishes rates

Free, and not advice. It knows only what you typed and what lenders advertise, which may differ from what you are offered. A licensed broker does this for a living. Who made this. What this site collects.