The Australian Mortgage Rates API is an essential resource designed to provide users with real-time and historical mortgage rate information for various loan products in Australia. This API is especially valuable for homebuyers, property professionals and financial institutions, as it allows them to access current interest rates and make informed mortgage decisions.
In the competitive Australian housing market landscape, knowing mortgage rates is crucial for both borrowers and lenders. The Australian Mortgage Rates API provides timely updates on a range of mortgage products, including fixed rate loans and comparison rates. By aggregating data from multiple financial institutions, the API ensures that users receive the most accurate and comprehensive information available, enabling them to compare different offers and make better financial decisions.
The API provides details on fixed-rate mortgages, which are popular among borrowers seeking stability in their monthly payments. Fixed-rate loans typically offer constant interest rates for a set period of time, ranging from a few years to decades. Users can access information on current fixed-rate options, allowing them to lock in favorable rates and avoid market fluctuations. This predictability in repayment amounts is attractive, especially for those who plan to stay in their homes for a long period of time.
In addition to fixed-rate mortgages, the API also covers comparison rates. The comparison rate is designed to give borrowers a more accurate representation of the total cost of a loan, as it includes not only the interest rate, but also associated fees and expenses. This feature helps users identify the actual cost of the loan, making it easier to compare different loan products. By providing both the interest rate and the comparison rate, the Australia Mortgage Rates API enables users to make informed decisions that match their financial objectives.
In summary, the Australian Mortgage Rates API is a vital tool that simplifies the process of sourcing and comparing mortgage rates. With real-time and historical data at users' fingertips, the API encourages informed decision making, whether for home buying or managing a financial portfolio.
To use this endpoint just run it and you will get the mortgages from Australia.
The interest rate endpoint takes as interest 30 year mortgages for properties with a value of 1M Australian dollars.
{"message":"Rates retrieved successfully","data":[{"id":"1d4f54e7-54a2-45fb-a295-0c7884426b60","timestamp":1740528009,"country":"Australia","interest_rate":"5.54%","rate_type":"Fixed rate"},{"id":"e4f28de1-faa3-4282-b9d1-a959d6075a6e","timestamp":1740528009,"country":"Australia","interest_rate":"6.08%","rate_type":"Comparison rate"}],"success":true}
curl --location --request GET 'https://zylalabs.com/api/5181/australia+mortgage+rates+api/6641/get+mortgage' --header 'Authorization: Bearer YOUR_API_KEY'
[[{"lender_name":"Ubank","interest_rate":"6.09% - 6.11%","loan_type":"Variable","features":"Easy application. Fast approval. No annual fee. Unlimited additional repayments free of charge. Redraw freely - Access your additional payments.","cashback_offer":null,"principal_&_interest":"$3,027"},{"lender_name":"IMB","interest_rate":"6.04% - 6.07%","loan_type":"Variable","features":"Cashback up to $4,000*. $0 application fees, monthly or annual fees. Apply Online.","cashback_offer":"Up to $4,000 when you take out a IMB home loan.","principal_&_interest":"$3,011"},{"lender_name":"Unloan","interest_rate":"5.99% - 5.90%","loan_type":"Variable","features":"A simple low rate with an increasing discount. Apply in minutes. No Unloan Fees. Fee-free extra repayments and redraw.","cashback_offer":null,"principal_&_interest":"$2,995"},{"lender_name":"loans.com.au","interest_rate":"6.04% - 6.06%","loan_type":"Variable","features":"Available for purchase or refinance, min 10% deposit. Fast turnaround times. Can meet 30-day settlement. No application, ongoing monthly or annual fees.","cashback_offer":null,"principal_&_interest":"$3,011"},{"lender_name":"Tiimely","interest_rate":"5.54% - 5.95%","loan_type":"2 year fixed","features":"Owner occupied. 10% min deposit. Redraw facility.","cashback_offer":null,"principal_&_interest":"$2,852"},{"lender_name":"Greater Bank","interest_rate":"5.99% - 6.01%","loan_type":"Variable","features":"Cashback up to $2,500 when you take out a Greater Bank home loan. Owner occupied. 20% min deposit. Redraw facility.","cashback_offer":"Up to $2,500 when you take out a Greater Bank home loan.","principal_&_interest":"$2,995"},{"lender_name":"ANZ Plus","interest_rate":"6.09% - 6.10%","loan_type":"Variable","features":"Cashback. Owner occupied. 20% min deposit. Redraw facility.","cashback_offer":"Earn $2,000 when you refinance with an ANZ Plus home loan.","principal_&_interest":"$3,027"},{"lender_name":"Horizon Bank","interest_rate":"5.59% - 6.40%","loan_type":"2 year fixed","features":"Owner occupied. 30% min deposit. Redraw facility.","cashback_offer":null,"principal_&_interest":"$2,867"},{"lender_name":"IMB","interest_rate":"6.14% - 6.25%","loan_type":"Variable","features":"Cashback up to $4,000 when you take out a IMB home loan. Owner occupied. 20% min deposit. Redraw facility.","cashback_offer":"Up to $4,000 when you take out a IMB home loan.","principal_&_interest":"$3,043"},{"lender_name":"Ubank","interest_rate":"6.14% - 6.16%","loan_type":"Variable","features":"Owner occupied. 30% min deposit. Redraw facility.","cashback_offer":null,"principal_&_interest":"$3,043"}],[]]
curl --location --request POST 'https://zylalabs.com/api/5181/australia+mortgage+rates+api/7597/compare+home+loans' --header 'Authorization: Bearer YOUR_API_KEY' --header 'Content-Type: application/json' --data-raw '{}'
Header | Description |
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Authorization
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[Required] Should be Bearer access_key . See "Your API Access Key" above when you are subscribed. |
No long-term commitment. Upgrade, downgrade, or cancel anytime. Free Trial includes up to 50 requests.
To use this API and get the rates you only have to execute the Get Mortgage endpoint and to get the historical you have to indicate a date in the Mortagage Historical endpoint.
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The Australia Mortgage Rates API provides real-time and historical data on US mortgage interest rates for various financial products.
The Australia Mortgage Rates API receives a date and returns current and historical interest rates for various mortgage products.
Besides the number of API calls per month, there are no other limitations.
The GET Get Mortgage endpoint returns current mortgage rates, including interest rates and APR for 30-year fixed-rate loans. The POST compare home loans endpoint provides detailed comparisons of various home loan options, including lender names, interest rates, loan types, features, and cashback offers.
Key fields in the GET Get Mortgage response include interest rates, loan terms, and property values. For the POST compare home loans, key fields include lender_name, interest_rate, loan_type, features, cashback_offer, and principal_&_interest.
The response data is structured in JSON format. For the GET Get Mortgage endpoint, it typically returns an array of mortgage products with their respective rates. The POST compare home loans endpoint returns an array of loan options, each containing detailed attributes for easy comparison.
The GET Get Mortgage endpoint provides current mortgage rates for fixed-rate loans. The POST compare home loans endpoint offers comprehensive details on various home loans, including interest rates, loan types, lender information, and special features like cashback offers.
The GET Get Mortgage endpoint does not require parameters, as it returns standard mortgage rates. The POST compare home loans endpoint allows users to filter results based on criteria such as interest rates, loan types (fixed or variable), and specific features like offset accounts.
The Australia Mortgage Rates API aggregates data from multiple financial institutions across Australia. This ensures a comprehensive and accurate representation of current mortgage rates, as the API continuously updates its information from reliable sources.
Typical use cases include homebuyers comparing mortgage options, financial institutions assessing market rates, and property professionals analyzing trends in mortgage pricing. Users can leverage this data to make informed decisions about home financing and refinancing.
Users can analyze the returned data to compare different mortgage products based on interest rates, features, and costs. By understanding the key fields, users can identify the best loan options that align with their financial goals and preferences.
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