Darling Downs Bank home loan rates

Where it sits

Darling Downs Bank has stopped sending rates, so its pricing is not read against the benchmark here. What it last published is below, with the date it was read. A rate held since then cannot be compared with rates read this morning.

Owner-occupied, principal and interest

Product	Type	LVR	Rate	Comparison
ESSENTIAL HOME LOAN	variable	—	6.39%	6.56%
CLASSIC HOME LOAN	fixed 1y	—	7.99%	8.21%
CLASSIC HOME LOAN	fixed 2y	—	8.04%	8.20%
RURAL LIFESTYLE LOAN	variable	—	8.10%	8.17%
CLASSIC HOME LOAN	variable	—	8.15%	8.23%
RURAL LIFESTYLE LOAN	fixed 1y	—	8.24%	8.18%

No line here states how much of the property's value it applies to. That is what Darling Downs Bank publishes, not a statement about how much it will lend.

Owner-occupied, interest only

Product	Type	LVR	Rate	Comparison
ESSENTIAL HOME LOAN	variable	—	6.49%	6.66%
RURAL LIFESTYLE LOAN	variable	—	8.20%	8.27%
CLASSIC HOME LOAN	variable	—	8.25%	8.33%
CLASSIC HOME LOAN	fixed 1y	—	8.39%	8.25%
RURAL LIFESTYLE LOAN	fixed 1y	—	8.39%	8.20%
RURAL LIFESTYLE LOAN	fixed 2y	—	8.44%	8.24%
CLASSIC HOME LOAN	fixed 2y	—	8.54%	8.31%

No line here states how much of the property's value it applies to. That is what Darling Downs Bank publishes, not a statement about how much it will lend.

Investment, principal and interest

Product	Type	LVR	Rate	Comparison
CLASSIC HOME LOAN	fixed 2y	—	8.19%	8.27%
CLASSIC HOME LOAN	variable	—	8.20%	8.28%
RURAL LIFESTYLE LOAN	variable	—	8.25%	8.32%
RURAL LIFESTYLE LOAN	fixed 1y	—	8.29%	8.32%
RURAL LIFESTYLE LOAN	fixed 2y	—	8.34%	8.20–8.33%
CLASSIC HOME LOAN	fixed 1y	—	8.39%	8.30%

No line here states how much of the property's value it applies to. That is what Darling Downs Bank publishes, not a statement about how much it will lend.

Investment, interest only

Product	Type	LVR	Rate	Comparison
CLASSIC HOME LOAN	variable	—	8.30%	8.38%
RURAL LIFESTYLE LOAN	variable	—	8.35%	8.42%
CLASSIC HOME LOAN	fixed 1y	—	8.49%	8.31%
RURAL LIFESTYLE LOAN	fixed 1y	—	8.49%	8.34%
RURAL LIFESTYLE LOAN	fixed 2y	—	8.54%	8.25%
CLASSIC HOME LOAN	fixed 2y	—	8.64%	8.32%

No line here states how much of the property's value it applies to. That is what Darling Downs Bank publishes, not a statement about how much it will lend.

Left out of the figures above

Product	Why it is out	Rate
ESSENTIAL HOME LOAN	Eligibility	6.49%
PACKAGE HOME LOANS	Eligibility	6.49%

The data says a product is restricted. It never says whether you qualify. On the comparison every one of these can be put back with a click, and every figure is worked out again.

What changed

Darling Downs Bank has stopped sending rates. It was last read Thursday 3 September, 11 days ago, and the 45 rates above are the ones it published then. They are kept and dated rather than deleted, and they are left out of the benchmark and out of every comparison on this site until it answers again. That happens on its own the morning it does.

Every lender that publishes rates, and every rate move since capture began.

Does this look wrong? or could it be better

Two different things go wrong here and they are fixed in different places. If a rate on this page does not match what Darling Downs Bank told you, it is usually one of these.

The published data is wrong

Darling Downs Bank publishes these rates itself, under the Consumer Data Right. Nobody here types them in and nothing here can correct them at the source — if the feed is wrong, every comparison site reading it is wrong in the same way. Reports about a data holder's feed go to the Consumer Data Right, and published-data quality is on the ACCC's enforcement list.

Everything identifying the feed is filled in below. The one part left is what you saw.

Consumer Data Right — Product Reference Data quality

Data holder brand: Darling Downs Bank
ABN: 98087651116
Product Reference Data endpoint: https://openbanking.ddbank.com.au/OpenBanking
Data read from that endpoint on: Wednesday 2 September
Rate lines published at that time: 45

What appears to be wrong:
[describe what you checked, and what the published data says]

This data is published under the Product Reference Data standard and is
available publicly, without authentication or a consumer consent.

Open the report form ↗

The form is run by the Consumer Data Right, not by this site. Nothing you type here is sent anywhere — the text above is yours to copy.

This page reads it wrongly

The rate is published correctly and this page has misread it: a band shown against the wrong loan type, a fee counted twice, a product that should be marked restricted and is not. That one is mine. Tell me and I will fix it, and say which lender so I can find the row.

Something is missing

A figure this page should show and does not, or a lender that should be here and is not. Same place. The data behind every page here is free to download if you would rather check it yourself first.

Free, and not advice. It knows only what the lender publishes, not what you could negotiate. A licensed broker does this for a living. What this site collects.

Building something with this? There is an API, and the data is free.

Found in the data: what lenders charge above 80% and the rate a fixed loan resets to.