The data behind the tool

Every figure on this site comes from here.

130 lender brands publish their home loan rates under the Consumer Data Right. This captures all of them, once a day, and the comparison runs on nothing else. Rates checked Thursday 3 September at 5:49 am (Sydney time).

130lender brands
1,736products
16,812priced rate lines
7,712 / 9,100variable / fixed

Browse every rate line →

Lenders also publish 301 rows that are not prices — margin discounts, introductory offers, bundle rates. The browser shows them under "everything", labelled as what they are; the comparison never uses them.

What the market looks like today median advertised, by segment

The median of each product's cheapest advertised variable rate. A median of advertised prices — not an average of what anyone actually pays, which no published data can show.

SegmentMedian advertisedProducts
Owner-occupied, paying it down6.29%517
Owner-occupied, interest only7.09%348
Investment, paying it down6.54%459
Investment, interest only6.99%403
How often it moves a change log, not snapshots

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

Date (UTC)Rate lines changedNew lines
2026-09-02 181 674
2026-09-01 412 0
2026-08-31 20 473
2026-08-28 76 0
2026-08-27 26 0
2026-08-26 55 673
2026-08-25 325 95
2026-08-24 55 0
2026-08-21 32 9
2026-08-20 40 6
2026-08-19 44 69
2026-08-18 72 3
2026-08-17 65 513
2026-08-16 2 14,598

Every movement, per lender →

Whether the capture is healthy what the operator watches

One row per nightly run: lenders captured cleanly, lenders that failed, and rate rows written. The same numbers the operator watches, shown rather than summarised.

Run (UTC)Lenders okFailedRates written
2026-09-030 200
2026-09-02151 7855
2026-09-01154 5412
2026-08-31153 5493
2026-08-30152 60
2026-08-29150 100
2026-08-28153 676
2026-08-27153 626
2026-08-26154 4728
2026-08-25153 5420
2026-08-24155 555
2026-08-23154 40
2026-08-22150 90
2026-08-21154 641

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

What has been found in it two pieces of research

The 80% line: what lenders charge above it

The rate your fixed loan resets to