[09 May 2024] CSV of Every Home Loan Mortgage Rate + Cashback in Australia

autonomate on 27/09/2021 - 14:51
Last edited 09/05/2024 - 13:07

I wrote a script to yank rates and lending product details from a few sources, de-duped them and tracked it over time. The tabs are ordered by date.

There's more than 6000 home loan lending products, this is all you'll ever need for making a decision without a broker. However keep in mind terms and conditions may differ from spreadsheet, so be sure to dot your i's and cross your t's. This is not financial advice. See @geek001's reply re: Tic:Toc. In some cases "Members Only" or package deals aren't included, this is because the data source does not list them. See Me Bank example below.

Update: I've started just uploading a daily CSV as the XSLX was getting too big. Historical CSV's available upon request.

https://mega.nz/file/TEExlTYZ#7FYmthphMa2Mpk7JAXUQS-MtguZkVN… (May 09 2024)

There's a new worksheet added to the XSLX for every new day, the first sheet is just a formatted page of stale data. There's a copy of the daily data going back a few months, scroll all the way to the end for the last one.

https://mega.nz/file/jZVRjaqZ#HU5LBTp23D2XtSic5d7zkEgVA4e3XVNL3zsznbcWLsk (last updated Jan 27 2022)

I assume over time this information will become less available as different sources make scraping harder.

Financial Home Loan

Comments

  • PurchaseAnxiety on 25/07/2022 - 23:25

    Thanks for the continued updates :)

  • lzaonne on 26/07/2022 - 00:07

    Thanks

  • hbk_life on 27/07/2022 - 11:31
    +2

    thanks for this, its extremely helpful

  • mr-black on 29/07/2022 - 08:09

    This might be highly unlikely, but no harm asking.

    Is it possible to add a column to show the max number of applicants? TicToc and OneTwo for example have a maximum number of 2 applicants per loan. For those with more than 2 people on the property title, these providers are not able to be used.

    • autonomate on 29/07/2022 - 08:41

      I’ll find out if there’s a field I can filter for, or if there’s another data source I can find to add a column for that. I’m not even sure what the category or feature of that loan is called, so I’ll message some of the brokers on here that have contacted me.

  • autonomate on 01/08/2022 - 19:55
    +3

    [01 Aug] New rates for August added!

    • belesci on 01/08/2022 - 20:15

      Any stand outs?

      • autonomate on 01/08/2022 - 21:03

        For variable, OneTwo is probably still my pick at 2.59% - Tic:Toc is up to 3.09%.

        If ya wanna lock in, 3.49% at First Options Bank for the first year is an excellent pick, but it really does depend on what happens with rates over the next 3-6 months. You'll need to immediately refinance in 12 months though.

        Interestingly ANZ now sell a 10 Year Fixed product which is priced 0.2% higher for PPOR loans than they are investment loans.

        ING has Fixed for 5 years at 5.59% if you think inflation is about to go insane. I expected it below 7% but not 6% given New Zealand's quick rise.

        • jalalii on 01/08/2022 - 21:12

          Haha, just applied to the First Options Bank too. Im sure the rate will change after tomorrows announcement. I wonder if they offer rate lock dated to the application date…

          • autonomate on 01/08/2022 - 21:13

            @jalalii: Smaller lenders like that will send you notifications of increased rates as they're raised - but it really depends on who's processing your application and how fast they make those changes.

  • autonomate on 23/08/2022 - 15:31
    +6

    [Aug 23] New rates added! OneTwo has the best variable rates at just over 3% right now having yet to move up to 3.5ish% with the rest of the discount lenders. I doubt they'll sit there long. 2 year rates hovering around 4.5%, beginning to look more attractive. COVID travel beginning to pick up, lots of uncertainty, G20 around the corner, things are about to change. Do I know which way they'll go? No! Should you minimize your mortgage payments by using an offset account? Absolutely!

  • jbone33 on 25/08/2022 - 18:36
    +2

    This is a mind bogglingly good resource. Thanks so much OP!

    Perfect ammo if the broker isn't getting a good enough deal.

    • autonomate on 29/08/2022 - 12:33

      My pleasure! :)

  • autonomate on 07/09/2022 - 13:47
    +10

    [Sep 7] New rates added! Unlikely to get under 3.5% now on variable. Macquarie is fighting for marketshare, undercutting Tic:Toc and other online lenders by 0.2-0.3% on 2 year fixed, hovering just below 5.3% with an offset product. Strange days.

    We'll probably see more raises as they play catch-up with the RBA.

    CBA's discount product, Unloan is new on the sheet. With their customer retention discount, I assume this is why we're seeing such drops from Macquarie. Expect ANZ to follow suit as they fight to get into #3 again.

    • Makaveli99 on 17/09/2022 - 10:56

      Thank Autonomate, great work mate

  • autonomate on 17/09/2022 - 15:18
    +6

    [Sep 17] Updated!

  • rhimes on 01/10/2022 - 09:05

    thanks Autonomate, that's really helpful!

    • autonomate on 01/10/2022 - 09:09

      My pleasure, will be posting October rates in an hour or so.

  • El-Rhi on 01/10/2022 - 09:40

    This is awesome. Can you add minimum loan amount to be eligible for cashback?

    • autonomate on 01/10/2022 - 10:23
      +2

      You'll often see loan eligibility amounts under the loan name (first column), like "Something Loans (750k+)", however it's not included in the dataset I extract it from - often the terms and conditions relating to the loan are only available on the lenders website. So it may be present for some products, but not all of them unfortunately.

  • autonomate on 01/10/2022 - 10:32
    +3

    [Oct 1] October rates are in! One Two is at 4.09% post-rate rise although they just removed their cashback. Tic:Toc is reviewing their rates next week, probably matching One Two. Lowest 2-year fixed after fees I can see (even considering some of the $2K cashbacks) is bcu at 4.89%.

  • autonomate on 08/10/2022 - 14:04
    +4

    [8 Oct] Updated! Tic:Toc's new rate is up! Lots of new 5-year fixed products being introduced.

  • soan papdi on 10/10/2022 - 16:31

    What do you think about putting up the content (not script) in GitHub, under the same name or timestamped? It would be nice to see how products change over time.
    EDIT: Great work, thank you.

    • autonomate on 13/10/2022 - 16:49
      +6

      Yeah I'm actually looking to generate some interactive graphics for it. Will share it once I've put it together!

  • XabiFernando on 07/11/2022 - 12:09

    Hi, this file is amazing, thank you so much! Just wanted to know if there was a planned update soon in light of the November rise, or if you like to wait a certain amount of time for lenders to capture the rise in their offerings. Thanks

    • autonomate on 09/11/2022 - 17:08
      +1

      Sorry, updated - see original thread!

  • Spacexyz on 09/11/2022 - 16:47

    No more updates since I asked last time? Looking forward to your updated hack!

    • autonomate on 09/11/2022 - 17:08

      Ask and ye shall receive.

  • autonomate on 09/11/2022 - 17:07
    +10

    [09 Nov] Updated! Sorry for the delay. Was getting drunk and fat in Japan.

    HSBC has surprisingly become competitive, I believe because it's "package only" offerings and high annual fees to get some desperate borrowers over to their variable offerings.

    If you're on <60% LVR, this would be a great low-fee, low-discharge refinance option for OO's: https://www.gcmutual.bank/products/home-loans/momentum-home-…

    Variable mostly hovering around 4.2-4.3%. Most 12 month fixed above 5%, more is above 5.4%. I'll be rolling over to variable at these rates when my fixed ends.

    • Spacexyz on 09/11/2022 - 17:11

      Legend!

    • jalalii on 11/11/2022 - 15:32

      Always appreciate this.

  • tyb1987 on 12/11/2022 - 21:57

    Appreciated your help.

  • autonomate on 20/11/2022 - 12:27
    +5

    [20 Nov] Updated the CSV!

    OneTwo's taking the Variable cake for me right now. $2500 cashback at 4.09%.

    • ne0x on 21/11/2022 - 09:45

      I was looking at them also, but incase you had not noticed, according to OneTwo website they still haven't passed on Octobers rate rise, would be at approx. 4.59% with the last 2 rises

      • jalalii on 01/12/2022 - 12:56

        Can confirm OneTwo are at 4.59% baseline on my loan account from today.

        • autonomate on 02/12/2022 - 12:51
          +1

          Thanks! I'll upload a new sheet now.

  • mduncan2 on 30/11/2022 - 09:30

    Is there another download location for the file? The mega.nz site has dropped off the internet.

    • mduncan2 on 30/11/2022 - 13:31

      User error! Had Blockada activated, and it was denying me access.

  • slackerman on 03/12/2022 - 10:12

    You are a legend - its a great data source, I am on <60% LVR and from your sheet i found that GC mutual being the cheapest option in my situtaion whereas broker was telling me it'd be in the range of 4.59-4.7

    • tomclancy on 03/12/2022 - 23:35
      +1

      A couple of gotchas here:
      1) G&C Mutual haven't yet added the 1st Nov 0.25% interest rate rise yet. They add it effective 14 Dec, so it hasn't been added to this spreadsheet yet.
      2) G&C Mutual's normal rates are horrible at 4.74% + 0.25% look here —> https://www.gcmutual.bank/media/4830/home-loan-interest-rate… and only the 'special' rate 4.09% + 0.25% looks half decent… which from their website looks like a first home buyer only promotion.

      This spreadsheet is amazing and I use it all the time, but be aware of it's limitations in a market of moving rates and lenders that are slow moving. You've got to dig deeper but it's a great starting point

    • meumax on 24/01/2023 - 09:35
      +1

      Late to the party but I just found this thread and wanted to share my G&C experience in case anyone was interested.

      I got the 4.09% special. It was for refinance only with at least 60% LVR. RBA raised 25 bps during my application process and G&C upped their special rate to 4.49% (40bps increase). However they honoured the 4.09% rate for me as I was already in the application process +25bps taking my rate to 4.34% when I settled earlier this month.

      In general I have found G&C to be excellent to deal with. When calling them I can get through very quickly. It's a small bank so you'll usually talk to the same people very frequently and get to know them so it feels very personal. They do have an iPhone banking app now (I saw it was a criticism of them in the past) which I would rate as comparable to CBA and ING and better than Citi and HSBC apps.

      You can still get the special, it's just 4.49% now which is no longer the lowest rate for 100% offset. According to the CSV, that is now Pacific Mortgage Group but they are not a bank and I don't know if they have a banking app or what their service is like.

  • autonomate on 14/12/2022 - 07:32
    +2

    [Dec 14] Updated! Bendigo & Adeleide Bank would be my pick if I was going variable today at 4.27% with offset facilities available. They underwrite Tic:Toc loans.

    Unloan the cheap offering from CBA would be another pick for non-offset at 4.29%.

    Tic:Toc is now at 4.49%.

    Likely Bendigo and Unloan haven't factored in the 25 basis point rise from last week yet.

    2 year fixed is hovering 5.25-5.35.

    • donamique on 14/12/2022 - 07:39

      Yea unloan hasn’t even factored in the rise from November, which will come into effect 16 Dec. If including December rise (which they will likely pass on in Jan), they will be at 4.79%. Although you save in the meantime if you’re with them as they lag the market in rate rise by a month, also the rates reduce by 0.01% each year (if you don’t plan on refinancing ever)

    • jalalii on 15/12/2022 - 09:13

      Commbank seems to be at minimum 4.57% on their $395 pa package, and talk on their site about increasing rates by 0.25% tomorrow.

  • autonomate on 18/12/2022 - 16:10
    +4

    [Dec 18] Post-December rates!

  • User2049 on 22/01/2023 - 02:14
    +2

    Hey,

    I just saw this thread linked elsewhere and thought you might be interested in this project. I've been scraping Open Banking data for the last 200 days and publish it all here as a single downloadable zip file.

    https://github.com/LukePrior/open-banking-tracker

    • autonomate on 24/01/2023 - 14:30
      +1

      Neat, but I don't understand how to use it.

  • autonomate on 24/01/2023 - 14:28
    +8

    [Jan 24] Looks like my automation broke. Jan 24th is added! First of 2023.

    • nath007 on 27/01/2023 - 13:12

      Has the cash back column disappeared?

      • autonomate on 31/01/2023 - 16:43
        +4

        D'oh! I'll re-upload shortly. Sorry, uploaded the unprocessed one.

        • hbk_life on 16/02/2023 - 15:32

          Amazing work like always with this, just opened the current version and couldnt see the cashback column?

  • Sandshoes on 15/02/2023 - 08:00
    +2

    G'day @autonomate,

    Thanks for the spreadhseet.

    Any chance of an updated release?

    Cheers.

  • mr_alligator on 16/02/2023 - 12:52

    Great Work!

  • MrThing on 16/02/2023 - 13:39

    OPs a legend "Upvote for you"

  • marchie on 19/02/2023 - 20:37

    Hey, Missing the cashback column again?

  • thrift seeker on 20/02/2023 - 08:13

    I m not able to open the link. Getting a message saying the site cannot be reached.

  • JuryWheel on 21/02/2023 - 14:31

    No more cashback column?

  • bargainrus on 06/03/2023 - 16:24

    Hi OP, great work. Any updates to the excel file please?

  • MrThing on 11/03/2023 - 12:02

    Yo OP, any update to the excel file please :)

  • QFFlyer on 15/03/2023 - 22:08

    Hey thanks for this, some lenders I hadn't even heard of. With my 2% ANZ fix ending in a few months this is a great tool to use to start planning ahead!

  • jalalii on 22/03/2023 - 11:56

    OneTwo raised their rates to 5.84% today. Something to factor in. The partys over with them.

  • thrift seeker on 05/04/2023 - 12:27

    Hi OP, Can you please share updated excel please.
    Thanks

  • johnwinkle on 12/04/2023 - 10:59

    any updated version for april?

  • jalalii on 26/04/2023 - 14:55
    +1

    Hope youre OK, OP. Come back when youre able.

    • autonomate on 29/05/2023 - 14:24

      It's back!

      • jalalii on 29/05/2023 - 19:22

        Wicked! I mean I already refinanced last month but thank you!

  • autonomate on 29/05/2023 - 14:24
    +11

    [May 29] Sorry everyone, work took over my life - I've updated the latest link. It's missing cashback, which is far and few right now.

  • hbk_life on 20/06/2023 - 14:06

    HE IS BACK!! <3 thank you for all of your work Autonomate

  • hypexx on 20/09/2023 - 09:02
    +3

    Hi OP, just came across this post, and I've got to say it looks like a total game-changer!
    Whenever you get the chance, mind sharing the latest version?

  • autonomate on 05/10/2023 - 11:53
    +8

    [Oct 5] Updated with cashbacks!

    • jalalii on 03/11/2023 - 00:11

      Awesome!

  • d3v1lsblood on 12/12/2023 - 16:07
    +3

    Hi mate, any chance of a refresh for this month?

    • autonomate on 09/01/2024 - 11:10
      +1

      Apologies, it's up now!

  • bumperplates on 06/01/2024 - 17:22

    Are there any cashback offers for Macquarie Loans available for refinancing through specific brokers if going direct is unavailable?

    • autonomate on 09/01/2024 - 11:11

      Different brokers have different levels of access and products with lenders. I'd suggest shopping your loan around to a mix of sizes for brokers to see what rates might be possible w Mac.

  • letmethefuqin on 09/01/2024 - 00:41

    Is this up to date for Jan 24 ?

  • infraredshell on 09/01/2024 - 10:42

    It's going to be legend — wait for it, and I hope you're not lactose intolerant because the second half of that word is — dary!

  • autonomate on 09/01/2024 - 11:09
    +6

    [Jan 9] Updated! We've got $3K cashback at ME Bank, ANZ. $2K at Bank of China, BankSA, St.George Bank and BOQ.

    Looks like the smaller lenders like South West Slopes and First Choice Credit Union seem like the best option for variable with offset right now.

    • 7hours 44min ago on 09/01/2024 - 13:37
      -1

      Is the First Choice CU site just terrible or has it been recently compromised.

      • autonomate on 09/01/2024 - 15:54

        It's terrible, it's Wordpress too, and their /wp-admin/ is open. D:

        • 7hours 44min ago on 09/01/2024 - 16:23

          Enough to turn me off them. The Capricornian mob look alright for a 2 year stint.

          • autonomate on 09/01/2024 - 16:27
            +2

            @7hours 44min ago: Latitude, Medibank and Optus probably have better security. Did it help?

            Let the market talk and go with the cheapest. At least you don't have to worry much about the credit union remaining solvent if they're willing to eat the risk of your mortgage. It'll just sit with whichever chump hoovers them up once the OAIC's done with them.

  • DanielTr on 19/01/2024 - 21:40

    Thanks

  • autonomate on 26/01/2024 - 11:40
    +3

    [Jan 26] Updated!

  • autonomate on 16/02/2024 - 13:28
    +5

    [Feb 16] Updated! Will be updated more regularly until I refinance now.

    • BepisCola on 25/02/2024 - 17:34

      when are you refinancing? Do you mind letting me know who you end up going with when you do? I will be later this year as well

  • autonomate on 21/02/2024 - 22:05
    +5

    [Feb 21] Updated!

  • crackman on 22/02/2024 - 11:36

    Hats off to you!

  • FattyHadadi on 26/02/2024 - 10:15

    FYI might be an issue with south west slopes credit union intro rate - showing up as 6.2% for me, inclusive of 0.4% discount.

    Food for thought - how easy would it be to include hyperlinks in the sheet?

  • autonomate on 26/02/2024 - 12:55
    +2

    [Feb 26] Updated!

  • mr_alligator on 26/02/2024 - 13:24

    when sorting the list from lowest to highest, the cheapest one appears to be 5.14% through South West Slopes Credit union but there is no such offer on their website. The cheapest variable on their website is 6.20% - not sure if I am missing something?

    • autonomate on 26/02/2024 - 16:40
      +1

      Bad source data, sorry!

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