jjyhugginface/australian-home-loan-rates-cdr

RateGap: Australian home loan rates published under the Consumer Data Right

Snapshot of 7 October 2026 (rates read on the morning of 7 October, Sydney time; the capture's own run date is 2026-10-06 UTC).

Every home loan rate Australian lenders publish under the Consumer Data Right (CDR), read once a night from each lender's own public product endpoint, plus a ledger of every change since capture began on 16 August 2026.

• Live site and current data: https://rategap.com.au/data
• Licence: Creative Commons Attribution 4.0 International (CC BY 4.0)
• Source: product reference data published by Australian lenders under the Consumer Data Right. The rates are the lenders'; this dataset is a dated reading of them.

Files

File	Rows	What it is
rates-latest.csv	18,810	Every advertised rate line held on the snapshot date, one row each, from 132 lenders
history-latest.jsonl.gz	26,011	Every rate line's first sighting (18,810) and every change since (7,201), from 16 August 2026, one JSON object per line
manifest.json	–	When the files were built, the row counts and the column list

How it is collected

• Every night at 19:30 UTC (05:30 or 06:30 in Sydney), the capture asks the CDR register for every data holder brand, then requests each lender's RESIDENTIAL_MORTGAGES products and each product's detail from its public CDR endpoint (/cds-au/v1/banking/products).
• Eleven lenders refuse requests from Cloudflare Workers. Their products are fetched with the same client and headers from an ordinary server and normalised by the same code.
• A rate line is written only when something about it changes. Unchanged lines keep their earlier timestamps.
• Nothing is estimated or edited. A rate is as the lender published it.

rates-latest.csv columns

Column	Meaning
brand_id, brand_name	The lender brand, as registered with the CDR register
product_id, product_name	The lender's product identifier and name
rate_key	Stable identifier for one rate line within a product
lending_rate_type	VARIABLE, FIXED, DISCOUNT, INTRODUCTORY, BUNDLE_DISCOUNT_FIXED, BUNDLE_DISCOUNT_VARIABLE, PURCHASE. Only VARIABLE and FIXED are prices; a DISCOUNT line is a margin off another rate
loan_purpose	OWNER_OCCUPIED, INVESTMENT, UNCONSTRAINED (applies to both) or OTHER
repayment_type	PRINCIPAL_AND_INTEREST, INTEREST_ONLY, or UNCONSTRAINED / OTHER
rate	Advertised rate, percent per year (e.g. 6.09)
comparison_rate	The lender's published comparison rate, percent per year. Under Australian law this is calculated on a $150,000 loan over 25 years and includes most fees
min_lvr, max_lvr	Loan-to-value band the rate applies to, in percent; empty where not stated
min_amount, max_amount	Loan size band, in dollars; empty where not stated
has_offset	1 if the product lists an offset account, otherwise 0 (which includes products that do not say)
first_seen	When this rate line was first captured (UTC)
last_seen	When this rate line's values last changed (UTC). A line unchanged since first capture has last_seen equal to first_seen
info_uri	The lender's own page for the product, where published

history-latest.jsonl.gz fields

Gzip-compressed JSON Lines. One object per change: observed_date (the capture's run date, UTC), the lender and product fields as above, rate_key, lending_rate_type, loan_purpose, repayment_type, rate, comparison_rate, min_lvr, max_lvr, and change_kind: new (first seen) or changed.

Limits worth knowing

• These are advertised rates, not offers. What a borrower is charged depends on their circumstances and the lender's assessment.
• Not in the data, because lenders do not publish them under the CDR: cashbacks, promotional fee waivers, broker-only pricing, and what a lender does to the rates of loans it has already written.
• A lender that stops answering keeps its last-captured rows, dated by last_seen. Check the date before treating a row as current.

How to cite

This is a copy of the snapshot archived on Zenodo. Cite the DOI:

RateGap. (2026). Australian home loan rate data (Version 7 October 2026) [Data set]. Zenodo. https://doi.org/10.5281/zenodo.23200345

@dataset{rategap_2026_23200345,
  author    = {Wong, Justin},
  title     = {Australian home loan rates published under the Consumer Data Right (RateGap)},
  year      = {2026},
  version   = {2026-10-07},
  publisher = {Zenodo},
  doi       = {10.5281/zenodo.23200345},
  url       = {https://doi.org/10.5281/zenodo.23200345}
}

Please also name the source: rates published by Australian lenders under the Consumer Data Right, read by rategap.com.au. Current data, updated nightly: https://rategap.com.au/data

Contact: through the feedback form on https://rategap.com.au