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

# Every figure on this site comes from here.

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](/lenders). 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 →](/data/rates)

## The files

[Download the whole set (CSV)](/data/export/rates-latest.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](/data/export/history-latest.jsonl).
    The file [manifest.json](/data/export/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](/api#files) is covered on the API page.

## The licence, and how to cite it

**The data is free, under
    [CC BY 4.0](https://creativecommons.org/licenses/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.
        Copy it

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](https://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](/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](/api#for).

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](/data/rates) with their date, and the comparison leaves
    those lenders out until fresh rates arrive.
    [Which ones, and since when.](#unreached)

## 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 →](/data/history)

## 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](/health) ·
        [/coverage](/coverage) · [/distribution](/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 | Part way | Refused |
| --- | --- | --- | --- | --- |
| under 0.25 points | 6 | 0 | 0 | 6 |
| 0.25 – 0.44 points | 5 | 0 | 0 | 5 |
| over 0.44 points | 12 | 1 | 0 | 11 |
| gap not recorded | 1 | 0 | 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](/research/lvr-bands)

[The rate your fixed loan rolls onto](/research/revert-rates)

## 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](/lenders)

The other questions

        - [Are you paying more than you need to?](/)
              your rate against every lender publishing one- [How fast should you pay it off?](/paying-it-off)
              term, extra repayments, interest only- [Don't have a loan yet?](/buying)
              what to look at before you pick one- [What does each lender advertise?](/lenders)
              every lender that publishes rates, a page each- [What moved this week?](/market/changes-this-week)
              which lenders changed an advertised rate

**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](/about).
    [What this site collects](/privacy).

      **More from the data**

Building something with this? There is
      [an API](/api), and [the data is free](/data).

This morning: [the market](/market),
    [variable rates](/market/variable-rates),
    [fixed rates](/market/fixed-rates) and
    [what moved this week](/market/changes-this-week).

Found in the data: [what lenders charge above 80%](/research/lvr-bands),
    [the rate a fixed loan rolls onto](/research/revert-rates) and
    [what a comparison rate adds](/research/comparison-rates). Also
    [what an offset costs](/research/offset-accounts), and
    [what investors pay on top](/research/investor-premium).