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

autonomate on 27/09/2021 - 14:51
Last edited 10/04/2024 - 07:39

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/yN0nxA7R#PvSDobdufTsuwOnru0tvKoeoxVya8q… (Apr 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

  • deme on 27/09/2021 - 15:06

    Thanks! Can you post the script?

    • autonomate on 27/09/2021 - 16:29
      +2

      Nope, ping me if you need a refresh. Better to not link sources to prevent them closing it.

      • Space-man on 02/10/2021 - 21:10

        The messaging system says your account isn't accepting new conversations. Any chance you can send a refresh to me, if its not too much trouble? Thanks

        • autonomate on 04/10/2021 - 10:35
          +1

          Updated, check new mega link at the top!

  • avoidfullprice on 27/09/2021 - 15:15

    Up voted.

  • geek001 on 27/09/2021 - 15:22

    I had a look at the spreadsheet because I am looking at refinancing. First of all, great work and I really mean it, but..

    I picked out Tic:Toc Home Loans because it looked like the most appealing one to me at first glance. They have a variable rate with offset option(line 57). I had a look on their website and the offset option is $10/month which is not reflected in your spreadsheet. Just FYI, not to be picky or anything, your spreadsheet is still a great time saver. Cheers.

    • autonomate on 27/09/2021 - 16:28

      @geek001: Yeah found the same thing. Sources aren't perfect, definitely needs a confirmation.

      • geek001 on 28/09/2021 - 08:39

        Also, seems like some lenders are moving quite fast to match rates of other lenders.

        Reduce home loans seems to have a new rate up today at 1.77% variable. I am pretty sure it wasn't there last night. Home star finance also dropped their variable rates since you scraped their rates.

  • dust on 27/09/2021 - 16:00

    Username checks out.

  • vince088 on 27/09/2021 - 16:19
    +3

    took me 15 mins to open the file, is that normal? lol

    • Donaldhump on 27/09/2021 - 16:27
      +2

      took OP 15 years to make the file

    • dust on 27/09/2021 - 21:15

      Only took a few seconds to open mine.

      • vince088 on 27/09/2021 - 21:23

        maybe cause im not using excel, using a freeware called open office lol

  • xeion on 27/09/2021 - 16:36
    +1

    Great spreadsheet, it's nice to have it all in one place :)

    Thank-you !

  • Maglia Nera on 27/09/2021 - 19:17
    -1

    nice

    may give my broker the boot cos of this - apparently he's re-negotiated better deals with Westpac … but I'm still waiting after 3 months …

    • autonomate on 29/09/2021 - 08:16
      +1

      Renegotiating with Westpac takes about 5 minutes for a broker. Sounds shit.

  • Ash-Say on 27/09/2021 - 23:36

    Good job OP

  • bemybubble on 28/09/2021 - 09:08
    +1

    Wow OP - love your work!

  • Space-man on 02/10/2021 - 20:52

    Unless I'm missing something, I've read the ING fixed rate home loans don't come with offset - would be a cracker of a deal if they did. (Rows 35/119 in the excel spreadsheet).https://www.ing.com.au/home-loans.html

    Also, similar thing for St George fixed rate loan (row 152). https://www.stgeorge.com.au/personal/home-loans/our-home-loa…

    Can anyone confirm… maybe I missed something in the smallprint? Thanks

  • lzaonne on 02/10/2021 - 22:26

    Very useful. THanks,

  • rektrading on 03/10/2021 - 10:43

    Make sure to get the biggest loan.

    The more leverage there is in the system, the more likely the government will do whatever it takes to keep it going.

  • ilsan0 on 03/10/2021 - 10:47

    Me bank showing 2.04% fixed however they are advertising 1.89% fixed for 2 years?

  • lzaonne on 10/10/2021 - 15:04

    Thanks for updating.

  • Polt on 10/11/2021 - 23:01

    Great spreadsheet - any chance of an update on this? Lots of rate changes since the last update.

    • autonomate on 13/11/2021 - 16:06
      +1

      Absolutely! It should be available in the next hour. Check the original post, I'll update the link. :)

      EDIT: Looks like mods have locked editing on this thread, I'll message them and see if they'll allow it. Otherwise I'll just post another reply to your comment.

    • autonomate on 15/11/2021 - 13:57
      +2

      I've updated the original thread now that permissions have changed. Enjoy!

  • ExPrinceHairy on 17/11/2021 - 08:25

    Brilliant spreadsheet! Looks like a few places have increased their rates since 15th November - any chance of a refresh?

    • autonomate on 17/11/2021 - 08:49

      17th Nov added! Check original post. :)

  • hbk_life on 17/11/2021 - 20:55

    I called ING today to see if they were still offering these low fixed rate options and they advised that their rates changed last week :(

    Amazing stuff though, thank you for this document, very helpful as opposed to ratecity website ui :S

    • autonomate on 18/11/2021 - 14:39

      Yeah the Orange Advantage Home Loan Fixed 2 Years has gone up to 2.19% it looks like. Still plenty of sub 2% options though. Their Mortgage Plus Fixed Investment Loan is 1.99% if you're 500-$1M and 80% LVR.

  • lolwut on 25/11/2021 - 09:23
    +1

    Any updates to the excel file?

    • autonomate on 25/11/2021 - 09:29

      Updated! Check the main post. :)

      • lolwut on 25/11/2021 - 09:37

        Thanks mate, hope come greater bank have so many different rates all of which are different to their website?

        • autonomate on 25/11/2021 - 10:23

          Likely the data feed for them is out of date. But the ones I checked were correct. Did you have a specific row that's wrong?

          • lolwut on 25/11/2021 - 11:14

            @autonomate: Just that there are multiple entries for the same product. I believe the ING rates are incorrect too….
            Perhaps an issue with the data source?

            • autonomate on 25/11/2021 - 11:20

              @lolwut: Can you give me the row numbers? The entries for similarly named products are usually different for different loan sizes and LVR ratios.

              ING products: https://i.imgur.com/q0sQUdn.gif

              I can see different products when I filter by ING. Are you on the correct worksheet as well?

              Like so: https://i.imgur.com/Dmz4n03.gif

              If I look at row 4475 (on sheet 20211125) which is Orange Advantage Investment Loan (Interest Only) ($500k+) at 2.74% that matches up with ING's website at https://www.ing.com.au/home-loans/orange-advantage.html (be sure to check the amount/band and that it's interest only)

              From the ones I checked, I didn't find any differences between the sheet and the site.

  • autonomate on 30/11/2021 - 10:56
    +1

    [30 Nov] I've added some instructions at the start of the XSLX doc so people understand where to go for current data. I probably should have had this in the original one, sorry folks!

    • hbk_life on 30/11/2021 - 13:07

      You are a legend. Was just thinking if this document has IO columns, it sure does! appreciated!

  • SandySam on 10/12/2021 - 18:52

    Could we please get another update?

    • autonomate on 13/12/2021 - 10:57
      +1

      Up to 13 Dec added! Check original post!

  • lolwut on 13/12/2021 - 09:20

    Any updates?

    • autonomate on 13/12/2021 - 10:57

      Hey! Up to 13 Dec added! Check original post!

  • lzaonne on 16/12/2021 - 23:43
    +1

    THanks for the update.

  • autonomate on 17/12/2021 - 10:26
    +1

    [17 Dec] Breaking Tic:Toc fixed rates have risen from data sources (from 1.99 to 2.29 for 2 year fixed live-in P&I), however updates not yet reflected on their website yet.

  • ExPrinceHairy on 25/01/2022 - 10:18
    +2

    Hey mate, just checking if you have an update for this?

    • autonomate on 25/01/2022 - 10:33
      +2

      Updated the link with today's data, check original post!

  • autonomate on 27/01/2022 - 10:41
    +2

    Updated w 27th, no major shifts in response to US's cuts.. Yet. Expect changes next week once RBA makes a move.

  • w37hsyea on 30/01/2022 - 14:35
    +1

    Such an awesome resource ✔️

  • jalalii on 10/02/2022 - 12:51

    Link doesnt work?

    • autonomate on 10/02/2022 - 16:55

      Format changed. CSV added.

  • autonomate on 10/02/2022 - 16:56
    +1

    [Feb 10] Hey folks! The XSLX was getting too big. I've changed the format to CSV and will just be uploading and linking the daily snapshot.

    If you'd like historical CSV's, they're available upon request. I'm also working on a SQLite database dump which will be published later with some pretty analytics.

  • jalalii on 10/02/2022 - 22:09
    +1

    Dude your work is fantastic

  • Toph Beifong on 12/02/2022 - 18:46

    I remember just last month RBA Governer was adamant no rate hikes till 2024.

    • autonomate on 12/02/2022 - 19:45

      Added today's, haven't had a look to see if there's any major shifts!

  • belesci on 01/03/2022 - 20:05
    +1

    Thanks OP, this is crazy. Any plans to add cashback as well?

    • autonomate on 02/03/2022 - 18:47

      Hey! Trying to parse it out of the data.. I'll see what I can do.

      • belesci on 02/03/2022 - 19:46

        Can i ask the reason why you’re doing this spreadsheet? Because i know brokers use a software instead

        • autonomate on 02/03/2022 - 20:50

          I’m not a broker.

    • autonomate on 26/03/2022 - 14:09

      This has been added to the script! See the latest link. :)

  • macr0hard on 04/03/2022 - 17:29

    This is awesome work, thank you. Could you please also include a column for "bonus cashback"? Also, how do I get an updated version? I have to re-download the file everyday?

    • autonomate on 09/03/2022 - 09:51

      Yeah, visit here and there should be a new link at the top. If I haven't updated in a few days - just reply and I'll usually update it within an hour or two. I'm programatically exporting the data daily, just updating this thread is a manual process.

    • autonomate on 26/03/2022 - 14:09

      Hey mate, I've added cashback to the latest report. Enjoy!

  • ozbargainerlife1 on 04/03/2022 - 21:05

    this is awesome stuff! Just need cash back info!

    • autonomate on 09/03/2022 - 12:27
      +4

      Found a way to extract cashback, will be adding it today/tomorrow! Watch this space!

  • ozbargainerlife1 on 16/03/2022 - 22:21

    anyupdate on cashback?

  • autonomate on 26/03/2022 - 14:08
    +4

    [Update, Mar 26 2022] Added cashback extraction to the script. There's now a cashback column on the end. It's sourced from parsing a free-text field, so the accuracy of this column may not be perfect. Please let me know of any issues/bugs you find!

  • lzaonne on 27/03/2022 - 17:59

    Thank you again.

  • lzaonne on 31/03/2022 - 22:20

    Tic tic and others updated their fixed rates again..so high at the moment

    • autonomate on 05/04/2022 - 11:13

      Bankwest has the best fixed rate right now (2.39%) with a $2K cashback. Without cashback, Geelong Bank has a pretty good 2 year rate at 1.99% but requires 60% LVR. There's some union-funded options too for Police Bank if you or your partner is eligible.

      To be honest I'd stick with variable for the time being if neither of these apply to you and wait for better fixed rates to come up.

      • lzaonne on 05/04/2022 - 12:22

        Thanks for your updates and comments. But how the fixed rate will go lower as the variable rates will likely go up soon?

        • autonomate on 05/04/2022 - 13:07

          Who knows, if we could predict this - we'd be very rich!

  • daniesaurs on 06/04/2022 - 20:12

    Thanks for keeping it updated - are there scripts like these out in the public elsewhere? I'm not looking to buy until next year so will come in handy then, unless you're still here and your script will be still working haha

    • autonomate on 07/04/2022 - 08:40
      +2

      Bought a house last year. Still updating. If it gets stale just PM me :)

  • lzaonne on 01/05/2022 - 17:15

    Thanks for updating again. Help me to track the rates. Btw, are you broker? If so, I would like to refinance through you next time. Thanks

    • autonomate on 01/05/2022 - 17:31

      Haha no but, I've had a few brokers message me recently. Honestly your best rate is either going to be using this spreadsheet and signing up directly, or using this spreadsheet and looking for a broker-only deal, then calling brokers until one agrees to split the broker fee with you.

      Mortgages are drying up, and if you're an easy approval (high income couple, no debt) you can probably talk someone into it.

  • autonomate on 01/05/2022 - 17:33
    +3

    May's here! Get in while the getting's good! https://mega.nz/file/iIMyRI6L#rNGMVZ0iIb2dvI_fd6oOnkRejhoxJj…

  • autonomate on 30/05/2022 - 08:05
    +5

    End of May has arrived, New Zealand's OCR across the ditch has been hiked, shit house pricing is starting to come down and the world is imploding! Time to check those rates!

    https://mega.nz/file/jMV0BTYL#kEAOCf85EHqSvNYGhWqM0ucqCk0mL2…

    Bank of Sydney has some pretty good New Customer rates for variable rate surfers at 1.94% - be careful though - with a $300 discharge fee and $150 upfront fee this only makes sense if you've got more than 200K left on your mortgage.

    For cashback offers, Bank of China has some pretty nice rates too - the cashback listed appears to have expired however so don't get your hopes up. On the other hand Credit Union SA is a great option at $5K cashback and variable rates as low as 1.98% for anyone buying in SA still - and People's Choice have a $4K cashback at a less appetising 2.24% for everyone else with a hefty sized mortgage (cashback offer isn't listed on rates page, it's a separate campaign they're pushing at the moment: https://www.peopleschoice.com.au/campaigns/home-loan-cashbac…)

    • lzaonne on 01/06/2022 - 22:20

      Thanks again for updating :-)

  • autonomate on 08/06/2022 - 12:57
    +4

    [Jun 8] New rates post-RBA's double-hike have been added!

    • silenthillrocks on 08/06/2022 - 14:21

      Has any bank actually updated their rates yet?

      • autonomate on 08/06/2022 - 20:31
        +1

        Most haven't really moved yet.

  • autonomate on 05/07/2022 - 15:20
    +5

    [Jul 5] Latest rates added! We're almost at 3% for the budget/low-margin retail variable rates..

    bcu and AMP Bank both have $5K cashbacks.

    $4K cashbacks:

    Suncorp Bank
    Bank of Melbourne
    St.George Bank
    BankSA
    Police Bank

  • autonomate on 19/07/2022 - 14:44
    +4

    [Jul 19] We're up, and we're down.. But we're still relatively down!

    Best cashbacks:

    $5000 with..
    - One Two (500K minimum): https://www.onetwo.com.au/
    - AMP Bank ($1M minimum, only $2500 >500K)

    If you don't need a redraw, One Two is probably the best on the market right now for live-in variable rates (2.59%) if you don't meet some of the obscure requirements of the smaller lenders and credit agencies touting sub 2.5% rates - however they don't support Offset or Redraw, so Tic:Toc is probably the next best thing if that's your preference.

    This is also the first time I've noticed a 10 Year Fixed rate, offered between 5.64 and 6.54% depending on your requirements.

    I'd probably go with Variable for now if I was to re-sign my mortgage today. Fixed is still hovering around 3.5% for 1 year and 4% for 2 years. Not financial advice, just my preference.

    Across the ditch we're seeing interest rates at 7% with many of the mainstream lenders above 5.5%, some above 6.5%. They had very similar rates not long ago, so things can move fast.

  • autonomate on 25/07/2022 - 19:17
    +4

    [Jul 25] New rates added! Tic:Toc are matching One Two's at 2.59%.

    • silenthillrocks on 26/07/2022 - 06:56

      It's gone up to 3.09

      • autonomate on 26/07/2022 - 12:16
        +1

        Correct! [26 Jul] added. One Two is cheapest now!

        • jalalii on 26/07/2022 - 19:16

          Nope, theyre also 3.09 from early Aug

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