{"source":"Each bank's own published product data (its Consumer Data Right Product Reference Data API, public and unauthenticated), plus a few terms that data leaves out, read from the bank's own pages","licence_note":"Rates are published by each bank as public product reference data, as the Consumer Data Right requires, and are reproduced here as reference data with the source URL and the bank's own last-updated timestamp on every row. Rates change without notice and the rate a borrower is offered depends on the bank's assessment; check the bank's page before acting. This is not financial advice.","comparison_rate_note":"The comparison rate is the bank's own figure. Australian law requires it to be calculated on a $150,000 secured loan over 25 years, including most fees, so it understates the effect of fees on a larger loan.","comparison_rate_warning":"WARNING: This comparison rate is true only for the examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate.","comparison_rate_at_loan_note":"comparison_rate_at_loan_pct is our calculation, not the bank's: the National Credit Code method (monthly principal and interest repayments over 25 years at the rate; upfront_fees paid at the start, annual_fee spread monthly, exit_fees paid at the end; the monthly rate solving present value of payments = amount borrowed, times 12, to two decimals) at this file's loan amount. A fixed rate holds for its fixed period and then revert_rate applies: the product's own variable rate where the feed ties one to it (revert_rate_basis linked), else our inference (revert_rate_basis inferred), the bank's variable rate chosen because it reproduces the bank's own comparison rate. Interest-only rows are calculated as principal and interest over 25 years, since the regulation defines no interest-only treatment. Penalty fees, break costs, government charges and lenders mortgage insurance are not in it. It is null when comparison_check failed (ours at $150,000 more than 0.05 points from the bank's own comparison_rate_pct, so the fee inputs are evidently incomplete), when the bank publishes no comparison rate, or when a fixed rate's revert rate is not known ('revert rate not published', 'revert rate ambiguous' or 'no variable rate reproduces the bank's figure'); comparison_check.reason says which.","generated_at":"2026-11-13T01:26:27Z","brand_count":115,"brands_with_rates":91,"purposes":["owner_occupied","investment"],"repayments":["principal_and_interest","interest_only"],"lvrs":[60,70,80,90,95],"loans":[300000,600000,1000000],"kinds":["variable","fixed_1","fixed_2","fixed_3","fixed_4","fixed_5"],"default":{"purpose":"owner_occupied","repayment":"principal_and_interest","lvr":60,"loan":600000,"kind":"variable"},"ranking_rules":"One entry per bank per bucket: its lowest ranked rate whose purpose, repayment type and rate type match and whose LVR and loan amount bands cover the reference values. Rates for restricted products (construction, bridging, first home buyer, staff, profession, low-doc and similar), introductory rates and interest paid in advance are not ranked. A rate whose LVR the bank does not state is ranked at 80% LVR and below only. A product record the bank has not updated for more than 60 days before the fetch, or since before the Reserve Bank's latest cash rate change, is ranked with record_stale true and a condition saying so (unless its rate was confirmed on the bank's own website within that window and since that change), as it may predate a rate change; a record we have checked against the bank's website and found out of date is not ranked, one whose LVR band or comparison rate was wrong is corrected, and record_correction says what the website showed. Broker-only rates are left out of these rankings, and so are rates from banks or products that lend only to a named occupation or employer group (restricted membership: teachers, police, health workers and the like, as the bank's own feed states; each such rate carries eligibility with who can borrow and the bank's words). Each slice file also carries three more rankings of the same bucket: entries_with_broker (broker-only rates in, restricted membership still out), entries_with_restricted (restricted membership in, broker-only still out) and entries_all (both in). best.json holds the default ranking only, each entry as {rank, row, comparison_rate_at_loan_pct} with row an index into its rows list, which holds the rest of the entry once. Package rates are ranked; their package fee is in annual_fee (ongoing fees per year, periodic fees converted to a yearly amount) and the comparison rate. upfront_fees and exit_fees are the fixed fees listed for setting up and closing the loan. Ranking is by rate, then the bank's comparison rate. comparison_rate_at_loan_pct is our own comparison rate at the bucket's loan amount over 25 years, from rate, upfront_fees, annual_fee, exit_fees and, for a fixed rate, revert_rate after fixed_months (revert_rate_basis: linked where the feed ties it to the product, inferred where it is our inference, the bank's variable rate that reproduces the bank's own comparison rate); it is published only where comparison_check.ok (ours at $150,000 within 0.05 points of the bank's comparison_rate_pct) and does not change the ranking.","slices":{"url_template":"https://deepalmanac.com/au/finance/home-loans/v1/best/{purpose}/{repayment}/{lvr}/{loan}/{kind}.json","note":"best.json holds every bucket and runs to megabytes; a client that truncates long responses should read one slice instead: same ranking, one purpose, repayment type, LVR, loan amount and rate type each, plus entries_with_broker (broker-only rates included), entries_with_restricted (restricted-membership banks included) and entries_all (both), each entry written out in full. Each bucket entry here is {rank, row, comparison_rate_at_loan_pct}: row is an index into rows, which holds every other field of the entry once, however many buckets rank it. The full entry, as in the best/ slices, is rows[row] with rank and comparison_rate_at_loan_pct added."},"rankings":{"owner_occupied":{"principal_and_interest":{"60":{"300000":{"variable":[{"rank":1,"row":0,"comparison_rate_at_loan_pct":5.98},{"rank":2,"row":1,"comparison_rate_at_loan_pct":6.12},{"rank":3,"row":2,"comparison_rate_at_loan_pct":null},{"rank":4,"row":3,"comparison_rate_at_loan_pct":6.14},{"rank":5,"row":4,"comparison_rate_at_loan_pct":6.15},{"rank":6,"row":5,"comparison_rate_at_loan_pct":null},{"rank":7,"row":6,"comparison_rate_at_loan_pct":null},{"rank":8,"row":7,"comparison_rate_at_loan_pct":6.31},{"rank":9,"row":8,"comparison_rate_at_loan_pct":null},{"rank":10,"row":9,"comparison_rate_at_loan_pct":null},{"rank":11,"row":10,"comparison_rate_at_loan_pct":6.37},{"rank":12,"row":11,"comparison_rate_at_loan_pct":6.27},{"rank":13,"row":12,"comparison_rate_at_loan_pct":6.24},{"rank":14,"row":13,"comparison_rate_at_loan_pct":null},{"rank":15,"row":14,"comparison_rate_at_loan_pct":6.25},{"rank":16,"row":15,"comparison_rate_at_loan_pct":6.26},{"rank":17,"row":16,"comparison_rate_at_loan_pct":6.26},{"rank":18,"row":17,"comparison_rate_at_loan_pct":6.26},{"rank":19,"row":18,"comparison_rate_at_loan_pct":6.24},{"rank":20,"row":19,"comparison_rate_at_loan_pct":6.31},{"rank":21,"row":20,"comparison_rate_at_loan_pct":6.31},{"rank":22,"row":21,"comparison_rate_at_loan_pct":6.36},{"rank":23,"row":22,"comparison_rate_at_loan_pct":6.37},{"rank":24,"row":23,"comparison_rate_at_loan_pct":6.35},{"rank":25,"row":24,"comparison_rate_at_loan_pct":6.36},{"rank":26,"row":25,"comparison_rate_at_loan_pct":6.36},{"rank":27,"row":26,"comparison_rate_at_loan_pct":6.36},{"rank":28,"row":27,"comparison_rate_at_loan_pct":6.35},{"rank":29,"row":28,"comparison_rate_at_loan_pct":6.38},{"rank":30,"row":29,"comparison_rate_at_loan_pct":6.39},{"rank":31,"row":30,"comparison_rate_at_loan_pct":6.46},{"rank":32,"row":31,"comparison_rate_at_loan_pct":6.46},{"rank":33,"row":32,"comparison_rate_at_loan_pct":6.43},{"rank":34,"row":33,"comparison_rate_at_loan_pct":6.47},{"rank":35,"row":34,"comparison_rate_at_loan_pct":6.46},{"rank":36,"row":35,"comparison_rate_at_loan_pct":6.46},{"rank":37,"row":36,"comparison_rate_at_loan_pct":6.46},{"rank":38,"row":37,"comparison_rate_at_loan_pct":6.45},{"rank":39,"row":38,"comparison_rate_at_loan_pct":6.45},{"rank":40,"row":39,"comparison_rate_at_loan_pct":6.49},{"rank":41,"row":40,"comparison_rate_at_loan_pct":6.5},{"rank":42,"row":41,"comparison_rate_at_loan_pct":6.5},{"rank":43,"row":42,"comparison_rate_at_loan_pct":6.49},{"rank":44,"row":43,"comparison_rate_at_loan_pct":null},{"rank":45,"row":44,"comparison_rate_at_loan_pct":6.55},{"rank":46,"row":45,"comparison_rate_at_loan_pct":6.55},{"rank":47,"row":46,"comparison_rate_at_loan_pct":null},{"rank":48,"row":47,"comparison_rate_at_loan_pct":6.55},{"rank":49,"row":48,"comparison_rate_at_loan_pct":6.55},{"rank":50,"row":49,"comparison_rate_at_loan_pct":6.57},{"rank":51,"row":50,"comparison_rate_at_loan_pct":6.56},{"rank":52,"row":51,"comparison_rate_at_loan_pct":6.72},{"rank":53,"row":52,"comparison_rate_at_loan_pct":null},{"rank":54,"row":53,"comparison_rate_at_loan_pct":6.61},{"rank":55,"row":54,"comparison_rate_at_loan_pct":6.59},{"rank":56,"row":55,"comparison_rate_at_loan_pct":6.59},{"rank":57,"row":56,"comparison_rate_at_loan_pct":6.6},{"rank":58,"row":57,"comparison_rate_at_loan_pct":6.59},{"rank":59,"row":58,"comparison_rate_at_loan_pct":6.59},{"rank":60,"row":59,"comparison_rate_at_loan_pct":null},{"rank":61,"row":60,"comparison_rate_at_loan_pct":6.63},{"rank":62,"row":61,"comparison_rate_at_loan_pct":6.69},{"rank":63,"row":62,"comparison_rate_at_loan_pct":6.72},{"rank":64,"row":63,"comparison_rate_at_loan_pct":6.85},{"rank":65,"row":64,"comparison_rate_at_loan_pct":6.75},{"rank":66,"row":65,"comparison_rate_at_loan_pct":6.8},{"rank":67,"row":66,"comparison_rate_at_loan_pct":6.8},{"rank":68,"row":67,"comparison_rate_at_loan_pct":6.8},{"rank":69,"row":68,"comparison_rate_at_loan_pct":6.86},{"rank":70,"row":69,"comparison_rate_at_loan_pct":null},{"rank":71,"row":70,"comparison_rate_at_loan_pct":6.89},{"rank":72,"row":71,"comparison_rate_at_loan_pct":7.01},{"rank":73,"row":72,"comparison_rate_at_loan_pct":null},{"rank":74,"row":73,"comparison_rate_at_loan_pct":8.43},{"rank":75,"row":74,"comparison_rate_at_loan_pct":null},{"rank":76,"row":75,"comparison_rate_at_loan_pct":8.9},{"rank":77,"row":76,"comparison_rate_at_loan_pct":9.19}],"fixed_1":[{"rank":1,"row":77,"comparison_rate_at_loan_pct":null},{"rank":2,"row":78,"comparison_rate_at_loan_pct":null},{"rank":3,"row":79,"comparison_rate_at_loan_pct":null},{"rank":4,"row":80,"comparison_rate_at_loan_pct":null},{"rank":5,"row":81,"comparison_rate_at_loan_pct":null},{"rank":6,"row":82,"comparison_rate_at_loan_pct":6.17},{"rank":7,"row":83,"comparison_rate_at_loan_pct":null},{"rank":8,"row":84,"comparison_rate_at_loan_pct":6.35},{"rank":9,"row":85,"comparison_rate_at_loan_pct":6.4},{"rank":10,"row":86,"comparison_rate_at_loan_pct":7.12},{"rank":11,"row":87,"comparison_rate_at_loan_pct":6.69},{"r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