# Deep Almanac > Public Australian data for AI agents to answer questions with: bank rates, insurance, electricity plans, mobile plans, online stockbrokers, school performance and real estate agents' sales. Every record carries its source and a date. Everything is static JSON under https://deepalmanac.com/au///v1/, live now and free to fetch over HTTPS with no key or sign-up. For term deposits, home loans, car loans, savings accounts and credit cards, https://deepalmanac.com/v1/lookup takes the reader's own numbers and redirects to the right file. This file is the short version: what each dataset answers, what to ask the reader first, and which file to fetch. The long version, with every caveat and convention, is https://deepalmanac.com/llms-full.txt. How to use this site: 1. Find the dataset below and **ask the reader for the inputs listed before answering**. Without them the answer is a different product, state or segment, and is wrong. 2. Fetch the smallest file that answers the question. For term deposits, home loans, car loans, savings accounts and credit cards, the simplest way is the lookup below each dataset: give the reader's own figures (amount, price and loan, "company") and it applies the bucket rules and redirects to the answer file in the same request. Files under `v1/top/` hold the top of one ranking: under 30 kB for most datasets, under 40 kB for savings accounts and mobile plans, under 60 kB for credit cards, except electricity, where one file holds all six households for a network (under 90 kB). The single all-in-one files (`best.json`, `cheapest.json`, `rankings.json`) run to megabytes, and a fetch tool that truncates will only read their first bucket. 3. Where a dataset has `v1/questions.json`, read it once: it lists the inputs, what each one changes, what is most often misread, and what the dataset does not hold. 4. Check freshness in https://deepalmanac.com/status.json. Past a dataset's `overdue_after` date, treat its data as stale; `publication` is `held` when today's build failed our checks and an earlier one is still live (`held_reason` says why). `current` describes the dataset's files, not each record in them: a record carries its own date and flags (`record_stale`, `bank_last_updated`, a citation's `confirmed`), so read those before quoting it as today's. 5. Quote where the figure comes from and its date: the record's `product_url` (the provider's own page), or `source_url` (the feed or document it was read from) where a file has one; the small `top/` files carry `product_url` only, and the `best/` files carry both. None of this is financial, insurance or education advice. 6. A fact read from a provider's own document (a bank's terms, a Key Facts Sheet, a broker's or insurer's page) carries `citation` (or a `citations` list), always in one shape: `quote`, the provider's sentence; `url`, the document with a fragment at the sentence (`#page=N` in a PDF, a text fragment `#:~:text=,` in a web page), which fetch tools ignore, so fetching `url` gets the whole document; `page`, the PDF page; `document_sha256`, the sha256 of the document's bytes as we read them; and `confirmed`, the last day we found the sentence in the live document. `document_sha256` tells you whether the document you fetch today is the version we read (for a web page, whose bytes change with every load, check the sentence instead). A `top/` file may carry a citation's `url` alone; the provider's own file has all five. 7. Reusing the data: every `index.json` lists `licences`, one entry per source with the fields it `covers`, its `licence` and the `attribution` it asks for; Deep Almanac's own work (rankings, estimates, derived fields) is CC BY 4.0. Some fields are not openly licensed (providers' quoted wording, the VCAA's school results). https://deepalmanac.com/terms#data-licences What this site does not hold: past rates (no history or time series; `bank_last_updated` is when the bank last touched its record, not when a rate changed), averages (do not average `rates.json`, since it includes stale and unranked rows), gas or business energy plans, travel or building insurance premiums, and schools outside Victoria or outside the government sector. Say so rather than estimate. Other files: every dataset's OpenAPI 3.1 document is linked from https://deepalmanac.com/openapi.json; how each dataset is collected, ranked and checked is at https://deepalmanac.com/methodology; and a missing file under /v1/ returns 404 with a JSON body. Some user agents are blocked: Cloudflare, which serves this site, refuses Python urllib's default `User-Agent: Python-urllib/3.x` with 403 and the body `error code: 1010`. A 403 here does not mean the file is missing or private. Send your own User-Agent naming your tool (for example `urllib.request.Request(url, headers={"User-Agent": "my-agent/1.0"})`), or fetch with `requests` or curl, which are not blocked. ## Term deposit rates Daily from every bank's own published product data (its Consumer Data Right feed), with the terms that data leaves out read from the bank's own terms and pages, each quoted and re-read daily. - **Ask first:** the term; the amount; who is depositing (personal, SMSF or business); and how the interest must be paid. The best rate nearly always pays at maturity only, so a reader who needs income during the term should be quoted the best rate paid that way, which on short terms is usually lower. - **Best rates for one bucket, top 10:** https://deepalmanac.com/au/finance/term-deposits/v1/top///.json. Segment is personal, smsf or business; deposit is 10000, 50000 or 250000; term is months, 1 to 60. For another amount, use the bucket at or below it and check each entry's `deposit_min`/`deposit_max`. - **Best rates at the reader's exact amount, as JSON:** https://deepalmanac.com/v1/compare/term-deposits?amount=&term=&depositor= ranks every rate whose limits include that amount (one per bank, top 10; add interest=monthly for only rates paid monthly, limit=<1-100> for more) and echoes the query back, e.g. https://deepalmanac.com/v1/compare/term-deposits?amount=100000&term=12&depositor=personal. Each result has `interest_estimate` (simple interest for the term, before tax) and `feed`, which is `last_good` when the bank's latest feed read failed. - **Or let the site pick the bucket:** https://deepalmanac.com/v1/lookup/term-deposits?amount=&term=&depositor= (company and trust read business; add interest=monthly for income during the term) redirects to the right file, e.g. https://deepalmanac.com/v1/lookup/term-deposits?amount=20000&term=24&depositor=smsf - **Every bank in that bucket:** the same path without `top/`, at https://deepalmanac.com/au/finance/term-deposits/v1/best///.json - **Best rate at each interest payment frequency:** https://deepalmanac.com/au/finance/term-deposits/v1/by-payment/.json (under 90 kB). What taking interest during the term costs across the market is `maturity_premium` in https://deepalmanac.com/au/finance/term-deposits/v1/by-payment.json - **Before answering:** https://deepalmanac.com/au/finance/term-deposits/v1/questions.json - **Caution:** `is_special` and `conditional` rates usually do not apply after rollover, so quote their `conditions`. Rates are advertised per-annum rates before tax. Products open only to people in certain occupations (restriction `occupation_membership`) are left out of `top` and `rates`; `top_all` and `rates_all` are the same ranking with them in, for a reader who can join. Rates the bank does not sell direct (only through a broker, a deposit intermediary or one named organisation) stay in the term deposit rankings, marked with restriction `via_third_party`; their `conditions` say who sells them. ## Home loan rates Daily from the same bank product data, with the terms it leaves out read from the banks' own documents. - **Ask first:** owner-occupied or investment; principal and interest or interest only; the LVR (loan ÷ property value); the loan amount; and variable or fixed for how many years. - **Best rates for one bucket, top 10:** https://deepalmanac.com/au/finance/home-loans/v1/top/////.json. Purpose is owner_occupied or investment; repayment is principal_and_interest or interest_only; lvr is 60, 70, 80, 90 or 95; loan is 300000, 600000 or 1000000; kind is variable or fixed_1 to fixed_5. - **Or let the site pick the bucket:** https://deepalmanac.com/v1/lookup/home-loans?price=&loan=&purpose=&repayment=&rate=&years=<1-5> works out the LVR band and loan size and redirects to the right file, e.g. https://deepalmanac.com/v1/lookup/home-loans?price=500000&loan=340000&purpose=investment&repayment=principal_and_interest&rate=fixed&years=2 - **Best rates at the reader's exact loan and LVR, as JSON:** https://deepalmanac.com/v1/compare/home-loans?loan=&price=&purpose=&repayment=&rate=&years=<1-5> ranks every bank at that loan and LVR, with our comparison rate at that loan, the monthly repayment, who may borrow and why each other bank is left out (include=broker,occupation or all for rates hidden by default), e.g. https://deepalmanac.com/v1/compare/home-loans?loan=640000&price=800000&purpose=owner_occupied&repayment=principal_and_interest&rate=variable - **Every bank in that bucket:** https://deepalmanac.com/au/finance/home-loans/v1/best/////.json - **Before answering:** https://deepalmanac.com/au/finance/home-loans/v1/questions.json - **Amounts that are not a bucket:** round the LVR up to the next band (68% → 70) and take the loan bucket nearest the amount, then confirm the entry's `lvr_min`/`lvr_max` and `loan_min`/`loan_max` cover the reader's figures. - **Caution:** read `conditions` and `restrictions` before quoting. `record_stale` means the bank has not updated the record since the Reserve Bank's latest cash rate change, or for 60 days. Broker-only rates and banks or loans with restricted membership (for example only education, health, emergency-service or police employees) are left out of `entries`; `entries_with_broker`, `entries_with_restricted` and `entries_all` add them back, and a restricted rate's `eligibility` quotes who can borrow. `comparison_rate` assumes a $150,000 loan over 25 years, so quote it with `comparison_rate_warning`. ## Car loan rates Daily from the same bank product data, with the terms it leaves out read from the banks' own documents. - **Ask first:** new, used or green car; fixed or variable; and the loan amount. - **Best rates for one bucket, top 10:** https://deepalmanac.com/au/finance/car-loans/v1/top///.json. Vehicle is new, used or green; kind is any, fixed or variable; loan is 15000, 30000 or 60000. - **Or let the site pick the bucket:** https://deepalmanac.com/v1/lookup/car-loans?vehicle=&rate=&loan= (electric reads green) redirects to the right file, e.g. https://deepalmanac.com/v1/lookup/car-loans?vehicle=new&rate=variable&loan=12000 - **Best rates at the reader's exact loan, as JSON:** https://deepalmanac.com/v1/compare/car-loans?loan=&vehicle=&rate= ranks every bank by comparison rate at that loan, with the monthly repayment, who may borrow and why each other bank is left out (include=broker, occupation, ... or all), e.g. https://deepalmanac.com/v1/compare/car-loans?loan=28000&vehicle=used&rate=any - **Every bank in that bucket:** https://deepalmanac.com/au/finance/car-loans/v1/best///.json - **Before answering:** https://deepalmanac.com/au/finance/car-loans/v1/questions.json - **Loan amounts that are not a bucket:** take the bucket nearest the amount, then confirm the entry's `loan_min` and `loan_max` cover the reader's figure. - **Caution:** read `conditions` and `restrictions` before quoting. `record_stale` means the bank has not updated the record since the Reserve Bank's latest cash rate change, or for 60 days. Broker-only rates and lenders open only to certain occupations (restriction `occupation_membership`) are excluded from `entries` and `top`, and included in `entries_all` and `top_all`. `comparison_rate` is usually calculated on a $30,000 loan over 5 years; `comparison_basis` gives the example when the lender states it. Not every car lender is covered: non-bank and dealer finance are not on the CDR register. ## Business car loan rates Daily from the same bank product data (business loans category): business car loans, chattel mortgages, goods loans and hire purchase. - **Ask first:** new, used or green vehicle; fixed or variable; and the amount. - **Best rates for one bucket, top 10:** https://deepalmanac.com/au/finance/business-car-loans/v1/top///.json. Vehicle is new, used or green; kind is any, fixed or variable; loan is 30000, 60000 or 100000. - **Every bank in that bucket, and the lenders that quote only:** https://deepalmanac.com/au/finance/business-car-loans/v1/best///.json and https://deepalmanac.com/au/finance/business-car-loans/v1/best.json (`quote_only`) - **Best rates at the reader's exact amount, as JSON:** https://deepalmanac.com/v1/compare/business-car-loans?loan=&vehicle=&rate= ranks every lender by rate at that amount, with the monthly repayment, who may borrow and why each other lender is left out (include=broker or all for rates hidden by default), e.g. https://deepalmanac.com/v1/compare/business-car-loans?loan=85000&vehicle=new&rate=any - **Before answering:** https://deepalmanac.com/au/finance/business-car-loans/v1/questions.json - **Caution:** ranked by advertised rate, not comparison rate: business credit is outside the comparison rate rules and most lenders publish none. Rates are indicative; each deal is priced by the lender. Most major banks list vehicle finance with no rate (`quote_only`): they do lend. `finance_type` (loan, hire_purchase, lease) changes the tax treatment. ## Savings account rates Daily from the same bank product data (transaction and savings accounts category), with bonus conditions, age and membership limits read from each bank's own terms, each quoted and re-read daily. - **Ask first:** who will hold the account (personal, SMSF or business); whether the reader will meet the bonus conditions each month (deposit, few withdrawals, card spend); and the balance. - **Best rates for one bucket, top 10:** https://deepalmanac.com/au/finance/savings-accounts/v1/top///.json. Segment is personal, smsf or business; kind is ongoing, intro or base; balance is 10000, 50000 or 250000. - **Or let the site pick the bucket:** https://deepalmanac.com/v1/lookup/savings-accounts?segment=&rate=&balance= (company and trust read business; bonus reads ongoing) redirects to the right file, e.g. https://deepalmanac.com/v1/lookup/savings-accounts?segment=personal&rate=ongoing&balance=40000 - **Best rates at the reader's exact balance, as JSON:** https://deepalmanac.com/v1/compare/savings-accounts?balance=&segment=&rate= works out every account's tiers at that balance (one per bank, top 10; add include= for accounts limited to groups the reader belongs to (occupation, age, pension, student, staff, organisation, region, existing_customers, platform; include=all for every kind), limit=1..100 for more). - **Every bank in that bucket:** https://deepalmanac.com/au/finance/savings-accounts/v1/best///.json - **Before answering:** https://deepalmanac.com/au/finance/savings-accounts/v1/questions.json - **One account's page** (rate at each balance, every tier, the bonus conditions in the bank's words, features, fees): the `page` field on every entry and product, https://deepalmanac.com/au/finance/savings-accounts/accounts///; all of them at https://deepalmanac.com/au/finance/savings-accounts/accounts/ - **Caution:** kind `ongoing` is the conditional rate: it assumes every bonus condition is met every month; `base` is the base rate, what is paid when they are not; `intro` rates end after `intro_months` (see `rate_after_intro_pct`). Accounts limited by age or to pensioners, occupation-limited lenders and adviser-platform accounts are left out of `entries` and `top` and are in `entries_all` and `top_all`. `max_bonus_balance` caps the balance that earns the bonus. Transaction accounts are not ranked. ## Credit cards Daily from the same bank product data (credit and charge cards category), plus issuers that publish none (American Express; Zip's Zip Plus line of credit; Wizit's Wizitcard), from their own pages and, where published, Key Facts Sheets, each figure quoted and re-read daily. - **Ask first:** personal or business; whether the reader carries a balance from month to month (rank by rate) or pays in full (rank by fee, or by rewards if they want points); whether they have a balance to move from another card (balance transfer); and whether they are a student or can join a lender open only to certain occupations. - **Best cards for one bucket, top 10:** https://deepalmanac.com/au/finance/credit-cards/v1/top//.json. Segment is personal or business; kind is low_rate (the default), no_annual_fee, balance_transfer or rewards. There is no balance or amount to choose. - **Or let the site pick the bucket:** https://deepalmanac.com/v1/lookup/credit-cards?segment=&kind= (company and sole trader read business; cheapest and low rate read low_rate, no fee and free read no_annual_fee, bt and balance transfer read balance_transfer, points, qantas, velocity and frequent flyer read rewards) redirects to the right file, e.g. https://deepalmanac.com/v1/lookup/credit-cards?segment=personal&kind=low_rate - **Every bank in that bucket:** https://deepalmanac.com/au/finance/credit-cards/v1/best//.json - **Every card, not one per bank:** https://deepalmanac.com/au/finance/credit-cards/v1/cards//.json (`cards`, plus `cards_hidden` for student, companion and occupation-limited cards), for a question about one issuer's whole range - **Before answering:** https://deepalmanac.com/au/finance/credit-cards/v1/questions.json - **One card's page** (rates, fees, interest-free days, balance transfer offer, rewards, insurances, limits, eligibility): the `page` field on every entry and product, https://deepalmanac.com/au/finance/credit-cards/cards///; all of them at https://deepalmanac.com/au/finance/credit-cards/cards/ - **Caution:** `annual_fee` is yearly: a monthly card fee is multiplied by twelve, with the monthly figure in `fee_as_stated`. `annual_fee_stated` false means the feed gives no fee amount; that is not $0, and such a card is never in no_annual_fee. A first-year waiver (`first_year_fee_waived`) is not no fee. Balance transfer offers carry `bt_promo_months`, `bt_promo_rate_pct`, `bt_fee_pct` and `bt_revert_rate_pct` and are ranked by length, then rate, fee and revert rate. Rewards are ranked by annual fee because the feeds do not value points. `interest_free_days` apply only when the previous statement was paid in full. `purchase_rate_range_pct` means the bank prices by credit assessment. `no_interest_card` true is a 0% card with a monthly fee instead (CommBank Neo). Student cards, companion cards (open only to holders of another of the issuer's cards) and occupation-limited lenders are left out of `entries` and `top` and are in `entries_all` and `top_all`. Charge cards, corporate, purchasing and virtual card programmes, debit cards, staff cards and cards closed to new customers are not ranked, and neither is a card with no purchase rate, except in balance_transfer when it has an offer (an offer counts only when its rate is below the card's purchase rate). Credit limit conditions read "credit limit $X to $Y" when the issuer caps the limit and "credit limit from $X" when it sets a floor of $5,000 or more; `min_credit_limit` and `max_credit_limit` are on every entry. `source_kind` document means a card read from the issuer's documents (American Express), not a feed: it carries `key_facts_sheet_url`, `document_date` (the sheet's "correct as at" date) and `checked`, and a stale mark (`record_stale`) on such a card means a quoted sentence could not be found today, so the card is unranked (`figures_unconfirmed`). Amex's Platinum Reserve is a companion card and is hidden by default. Latitude and other non-bank issuers are not here. ## Banks (all six bank datasets) - **Every bank's home loan rates side by side** (lowest variable and fixed rates, comparison at $600,000, fees): https://deepalmanac.com/au/finance/home-loans/banks/ - **Every bank's credit cards side by side** (lowest purchase rate, lowest annual fee, longest balance transfer offer): https://deepalmanac.com/au/finance/credit-cards/banks/ - **Every bank, with links to its term deposit, home loan, car loan, business car loan, savings account and credit card rates:** https://deepalmanac.com/au/finance/banks/ (page) and https://deepalmanac.com/au/finance/banks/index.json (slug index) - **One bank's every product and rate row:** https://deepalmanac.com/au/finance/term-deposits/v1/brands/.json, https://deepalmanac.com/au/finance/home-loans/v1/brands/.json, https://deepalmanac.com/au/finance/car-loans/v1/brands/.json, https://deepalmanac.com/au/finance/savings-accounts/v1/brands/.json and https://deepalmanac.com/au/finance/credit-cards/v1/brands/.json ## Private health insurance Every open hospital and combined policy from every registered fund. From the Private Health Insurance Ombudsman's monthly data release. - **Ask first:** the reader's state; who the policy covers (single, couple, family or single_parent); and, if they only want to avoid the Medicare Levy Surcharge, their income. Below the threshold there is no surcharge to avoid. The same policy costs very different amounts in different states, so the state must be where the reader really lives. - **Cheapest policies per tier for one state and household:** https://deepalmanac.com/au/insurance/health/v1/top//.json. STATE is NSW, VIC, QLD, SA, WA, TAS or NT. The fuller ranking is at the same path without `top/`, under https://deepalmanac.com/au/insurance/health/v1/cheapest/ - **Which funds have an agreement with a hospital:** https://deepalmanac.com/au/insurance/health/v1/hospitals/.json lists the state's hospitals; each links to its own file of funds - **Cheapest cover that avoids the surcharge, for every state and household:** `cheapest_mls_compliant[state][household]` in https://deepalmanac.com/au/insurance/health/v1/by-state.json - **Medicare Levy Surcharge thresholds and rates, and the rebate percentages, for the current income year:** https://deepalmanac.com/au/insurance/health/v1/mls.json, checked against the ATO daily - **Before answering:** https://deepalmanac.com/au/insurance/health/v1/questions.json - **Caution:** premiums are monthly list prices, before the government rebate and any Lifetime Health Cover loading. What the reader pays can differ by up to 70%. ## Travel insurance This dataset holds who underwrites each brand, what each plan covers, credit card cover, and the class's loss ratio from APRA. **It holds no premiums**, because none are published. Send a reader who asks for the cheapest policy to a quote. - **Start here:** https://deepalmanac.com/au/insurance/travel/v1/questions.json (includes `what_it_cannot_answer_yet`) - **Per insurer: its brands, plans, per-plan benefit limits, and labels such as pre-existing conditions:** https://deepalmanac.com/au/insurance/travel/v1/insurer-summary.json. For pre-existing conditions, read the plan labels, not the brand. Some plans cover a named list of conditions automatically and everything else only if approved. - **Which company underwrites each brand:** https://deepalmanac.com/au/insurance/travel/v1/underwriters.json - **Credit card complimentary cover:** https://deepalmanac.com/au/insurance/travel/v1/card-policies.json. Every card requires the trip to be paid on the card. - **Loss ratio for the class:** https://deepalmanac.com/au/insurance/travel/v1/class-series.json. Use `claims_m`, not the negative `claims_reported_m`, and never join the series across the 2023 reporting-basis break. ## Victorian government schools Every Victorian government school, from its Annual Report and VCAA results. Each school is shown against its Similar Schools group and the state. - **Ask first:** primary or secondary; and whether "best" means raw results or results relative to similar schools. - **Before answering:** https://deepalmanac.com/au/education/vic-schools/v1/questions.json - **Schools in one council area or suburb:** https://deepalmanac.com/au/education/vic-schools/v1/lga/.json or https://deepalmanac.com/au/education/vic-schools/v1/suburb/.json, with each school's measures and ranks. The slugs are in https://deepalmanac.com/au/education/vic-schools/v1/lga/index.json and https://deepalmanac.com/au/education/vic-schools/v1/suburb/index.json. - **One school:** https://deepalmanac.com/au/education/vic-schools/v1/schools/.json. Look up the school number by name in https://deepalmanac.com/au/education/vic-schools/v1/names/.json (the name's first letter, lowercased; https://deepalmanac.com/au/education/vic-schools/v1/names/index.json lists the files, and a crowded letter such as M is split by its first two letters, as in `mo.json`). - **Best government schools for one VCE subject ("my child loves French"):** https://deepalmanac.com/au/education/vic-schools/v1/subjects/.json, one file a study, opening with at_a_glance (the leading schools and the statewide totals, in a few kB) and then every government school that offers it and how many study scores of 40 and over each published, pooled over five years; the slugs are in https://deepalmanac.com/au/education/vic-schools/v1/subjects/index.json. The counts are students who consented to publication, so they are lower bounds. - **Rankings:** https://deepalmanac.com/au/education/vic-schools/v1/rankings.json, about 15 MB. Raw VCE results are `tables.secondary.study_score` and `study_scores_40_plus`. Use the area files above rather than filtering this one. - **Caution:** the pages' default order is `similar_schools_adjusted` (value added relative to intake), not raw results. Say which one you are quoting. ## Online stockbrokers Brokerage for one ASX trade, read from each broker's own pricing documents and re-read daily. - **Ask first:** the trade size, since flat-fee and percentage brokers swap places as it grows; and whether the reader wants their shares CHESS-sponsored in their own name or is happy with custodial holding (`holding`). - **Cheapest at $500 to $100,000:** https://deepalmanac.com/au/finance/stockbrokers/v1/cheapest.json (small). Ranked on the standard per-trade price; a cheaper price for brokerage paid in advance (`prepaid_brokerage`, e.g. Pearler from $5.50 if you prepay) and monthly plans in place of per-trade brokerage (`plans`) are listed beside it, not ranked. - **Buying ETFs:** https://deepalmanac.com/au/finance/stockbrokers/v1/cheapest-etf.json (small). The same brokers ranked for one ETF buy on each broker's own ETF price where it states one (Webull charges $0 on ETFs against $1 on shares), with which ETFs it trades (`etf_coverage`) and any time-limited offer beside the ranking; answer ETF questions from this file, not cheapest.json. - **One broker's tiers, so any size can be priced:** https://deepalmanac.com/au/finance/stockbrokers/v1/brokers/.json - **Before answering:** https://deepalmanac.com/au/finance/stockbrokers/v1/questions.json ## Mobile phone plans (SIM only) SIM-only plans from Australian providers, read from each provider's own offer pages and Critical Information Summaries and re-read daily, priced per month. - **Ask first:** how much data the reader uses a month (5, 15, 30, 50, 100GB or unlimited); whether a particular network matters (Telstra, Optus, Vodafone); and whether smaller providers are acceptable (`established` vs `all`). - **The ten cheapest for one data need on one network:** https://deepalmanac.com/au/telco/mobile-plans/v1/top//.json. Need is 5, 15, 30, 50, 100 or unlimited (the smallest at or above what the reader uses); network is any, telstra, optus or vodafone. Each file has `established` (the default), `all`, `first_year` and `long_expiry` (plans paid once for 90 days or more), e.g. https://deepalmanac.com/au/telco/mobile-plans/v1/top/30/telstra.json - **Every provider for every data need (about 1 MB; a fetch tool that truncates should use `top/`):** https://deepalmanac.com/au/telco/mobile-plans/v1/cheapest.json - **The same for a reader who meets conditions** (a student, a concession card, an internet bundle, autorecharge, an existing customer): https://deepalmanac.com/au/telco/mobile-plans/v1/cheapest-with-eligibility.json - **A household of 2 to 5 people:** https://deepalmanac.com/au/telco/mobile-plans/v1/household.json - **Data-only SIMs (tablet, laptop, hotspot; no calls), 10 to 200GB a month:** https://deepalmanac.com/au/telco/mobile-plans/v1/cheapest-data-only.json - **One provider's plans and sources:** https://deepalmanac.com/au/telco/mobile-plans/v1/providers/.json - **Before answering:** https://deepalmanac.com/au/telco/mobile-plans/v1/questions.json - **Caution:** `cost_per_month` is a year's cost over 12, so 28-day plans count 13.04 renewals a year. Long-expiry plans carry `upfront` (the payment and period). Introductory prices count only in `first_year_cost` and the `first_year` list. Conditional discounts count only in cheapest-with-eligibility.json, where `discount` names the one applied: check the reader meets it. An introductory price or bonus data outside its dates (`from`, `until`) is in no figure and is named in the row's `offer_notes` (`intro_status`, `bonus_data_status` in the provider file): do not quote it as available. `data_per_month_gb` is an average: a 300GB 365-day plan shows 25 and is a pool for the year, so for a reader between two needs who would pay yearly, read the need below as well. ## Building insurance What each building insurance policy covers, for houses, rentals, strata buildings, business premises and industrial property: how the building is valued, whether flood and accidental damage are covered, and what happens once the building is left empty. Each fact comes with the sentence from the insurer's own documents. **It holds no premiums.** - **Ask first:** what is being insured: a house, a rental, a strata unit, business premises or industrial property. Each needs a different policy. - **Before answering:** https://deepalmanac.com/au/insurance/building/v1/questions.json - **Across brands (which include flood or accidental damage, what happens to a home left empty):** https://deepalmanac.com/au/insurance/building/v1/summary.json, one line per brand and policy - **One brand's policies:** https://deepalmanac.com/au/insurance/building/v1/brands/.json - **Caution:** null on `flood`, `accidental_damage` and similar fields means the documents read did not say, not that the cover is missing. Each policy also names the insurer that issues it, which is often not the brand on the policy; `underwriters.json` lists every insurer and its brands: https://deepalmanac.com/au/insurance/building/v1/underwriters.json ## Electricity plans Residential electricity plans from the retailers on the CDR Register, as the Australian Energy Regulator's Consumer Data Right feed publishes them, for NSW, the ACT, Queensland, South Australia, Tasmania and Victoria (not WA or the NT), each priced as an estimated annual bill. Daily. - **Ask first:** the reader's postcode (or network); whether they have controlled load (separately metered hot water); and roughly how much electricity they use, or their household size (low, medium or high). - **Which network a postcode is in:** https://deepalmanac.com/au/energy/electricity/v1/postcodes.json. A postcode can span more than one network; ask for the address or the network name if so. - **Cheapest plan per retailer for one network and household:** https://deepalmanac.com/au/energy/electricity/v1/top/.json. is ausgrid, endeavour, essential-energy, essential-energy-far-west, energex, ergon, sa-power-networks, evoenergy, tasnetworks, citipower, powercor, jemena, ausnet or united-energy. Each household view also has standing_offer_benchmark: the retailers' default (standing) offers' price range and median, Origin's, AGL's and EnergyAustralia's cheapest, and what the cheapest plan saves against them. - **Every plan in a network:** https://deepalmanac.com/au/energy/electricity/v1/networks/.json, large (hundreds of kB); use it only to look up a named plan or retailer. - **Before answering:** https://deepalmanac.com/au/energy/electricity/v1/questions.json - **Caution:** bills are estimates for a stated household, not for the reader's own usage, so state which one you used. Plans restricted to some households (existing customers, solar owners and so on) are excluded from rankings by default. Feed-in tariffs are shown but not priced, and no solar export is assumed. Plans with a demand charge are not priced. ## Real estate agents Which agencies and agents sold the most homes in a suburb over twelve months, counted from each agency's own sold listings. One file per suburb; only the suburbs in the index are held (156 Victorian suburbs on 2026-11-07). - **Ask first:** the suburb and postcode; and whether "best" means most sales or most value sold. - **One suburb:** https://deepalmanac.com/au/property/real-estate-agents/v1/suburbs/.json (suburb-state-postcode, e.g. abbotsford-vic-3067). `at_a_glance` ranks the agencies by total value (`rank_by_value`) and by number of sales (`rank_by_sales`), with their three leading agents each way; `lead_agents` ranks every agent the same two ways; `sales` lists every sale. - **Suburbs held:** `suburbs_dir` in https://deepalmanac.com/au/property/real-estate-agents/v1/index.json - **Before answering:** https://deepalmanac.com/au/property/real-estate-agents/v1/questions.json - **Caution:** a price with `price_type` indicated is the low end of the range published before sale, and search is an agency's site search value; neither is the sale price, and total values include them. Some agencies publish no sold dates, so their counts are minimums (`notes`). A sale is credited to the first agent named on it (`lead_agents`); `all_listed_agents` instead counts it in full for every agent named on it. ## Comments If anything here is wrong, missing or hard to use, tell us; a person reads every comment. One request, no key: `GET https://deepalmanac.com/v1/comment?text=`. A GET with no parameters returns the full protocol, and replies appear on the chat page named in the receipt. The most useful comment names the file, the record and what you expected. Operated by Total Metrics Pty Ltd, Australia.