Data & methodology · Snapshot 2026-09-07
Where our numbers come from
We don't guess and we don't take a lender's word for it. The MortgageSense Rate Index is built from government open data as an indicative snapshot. Here's the whole supply chain, including the paid and consented sources we're adding as we grow.
The free spine, live today
Government-mandated open data. No cost, no gatekeeper.
CDR Product Reference Data
Consumer Data Right (ACCC)weeklyfree
Every lender's advertised home-loan products, rates, LVR tiers, fees and features.
Powers: The Rate Index and every rate page.
Public product endpoints, no consumer consent needed. Enumerate holders from the CDR Register.
RBA cash rate (F1.1)
Reserve Bank of Australiaon-releasefree
The official cash rate and its history.
Powers: Trend chart, 'rates just moved' triggers.
RBA Securitisation Dataset
Reserve Bank of Australiamonthlyfree
The rates borrowers are ACTUALLY paying on outstanding loans, not just advertised.
Powers: The 'advertised vs what you're really on' gap that sharpens your grade.
ABS Residential Property Price Index
Australian Bureau of Statisticsquarterlyfree
Capital-city and regional property price growth.
Powers: The free AVM (purchase price × index) and the equity story.
ABS Lending Indicators
Australian Bureau of Statisticsmonthlyfree
New loan commitments and monthly refinancing volumes by state.
Powers: State-page freshness ('$X refinanced this month') and market context.
Enrichment, rolling out
Free market signals that add context and urgency.
ASX 30-day cash rate futures
ASXdailyfree
The rate path the market is currently pricing in.
Powers: Market-outlook section and the fix-vs-variable mindset.
Frame as 'what the market is currently pricing', never as a prediction or advice.
3-year swap / bond yields
RBA / ASXdailyfree
The leading indicator fixed rates move off.
Powers: 'Fixed rates are easing/firming' market-feel content.
Sentiment only ('rates feel like they're easing'), not a forecast.
PEXA refinance & settlement insights
PEXAmonthlyfree
Refinance and settlement volumes across the market.
Powers: Refinance-volume SEO and authority.
APRA ADI statistics
Australian Prudential Regulation Authoritymonthlyfree
Lending share by LVR band, interest-only and investor; lender market share.
Powers: 'Borrowers at your LVR' context and lender pages.
CoreLogic Home Value Index (headline)
CoreLogicmonthlyfree
Published monthly home-value movements.
Powers: Free equity/growth narrative without the paid AVM.
Upgrades, as we scale
Paid valuations and consented open banking.
CoreLogic / PropTrack / Domain AVM
Property data providersdailypaid
Bank-grade per-property valuations.
Powers: The real valuation upgrade once volume justifies it.
CDR Consumer Data (open banking)
Consumer Data Rightdailyfree consent
A connected customer's actual rate, balance, repayments and debts, with consent.
Powers: Skips the upload entirely (v2) and powers ongoing monitoring.
Requires accreditation or a CDR intermediary. The monitoring subscription lives here.
AFCA complaints data
Australian Financial Complaints Authorityquarterlyfree
Published complaint counts by financial firm.
Powers: Potential lender trust content.
Handle carefully: present only factual, normalised figures (complaints per 10k loans). Defamation risk if editorialised into rankings.
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