Built for evidence
The proof behind each row stays visible instead of disappearing behind an aggregate feed.
Coverage across lender-owned sources
Key Australian lenders tracked through source-owned rate pages and evidence-backed snapshots.
RatesAPI turns lender-owned sources into validated product data, freshness-aware API responses and audit-ready release evidence for Australian lending workflows.
Tracked lenders
38
Published snapshots
1,284
Source health
97%
Review queue
12
Mortgage rate release ledger
Rows move from lender source to validated record to published API response without dropping the audit trail.
Source health
sample signalKey Australian lenders tracked through source-owned rate pages and evidence-backed snapshots.
The proof behind each row stays visible instead of disappearing behind an aggregate feed.
Quarantine and publish states are first-class, because mortgage-rate data should not guess.
Stable endpoints serve downstream surfaces without exposing draft or failed scrape output.
Scrapes keep visible evidence with each run, so a rate can be traced back to the source page, artefact and extraction path that produced it.
Schema checks, business rules and anomaly signals separate publishable rows from rows that need a reviewer before they reach customer APIs.
Schema
Ready for publish gate
Rate bounds
Bearer-key endpoints expose lender, product, latest-rate, history, change-event and comparison views for downstream product surfaces.
LendersGET /api/v1/lendersProductsGET /api/v1/productsLatest ratesGET /api/v1/rates/latestHistoryGET /api/v1/rates/historyChangesGET /api/v1/rates/changesCompareGET /api/v1/compareValidation note
UBank returned candidate rows, but comparison-rate validation needs review before publishing.
Ready for publish gate
Comparison rate
Requires review
Duplicate row
Ready for publish gate
Customer endpoints expose the published view only, while freshness metadata and historical snapshots remain available for product workflows.
LendersGET /api/v1/lendersProductsGET /api/v1/productsLatest ratesGET /api/v1/rates/latestHistoryGET /api/v1/rates/historyOperational views keep source health, change events and stale data visible, so teams can respond before downstream products drift.
Fresh
visible
Review
visible
Stale
visible
