Data Sources
Where every number on RooLoans comes from — with direct links to primary sources.
Interest Rate Data — Consumer Data Right (Open Banking)
Australia's Open Banking regime (Consumer Data Right, CDR) requires all Authorised Deposit-taking Institutions (ADIs) to publish product reference data via standardised public APIs. This means we can pull real-time, structured rate data directly from each bank — without relying on commercial partnerships or manual data entry.
GET https://{cdr-host}/cds-au/v1/banking/productsGET https://api.cdr.gov.au/cdr-register/v1/banking/data-holders/brands Data is refreshed weekly. Each lender page shows the CDR lastUpdated timestamp. Rates reflect the lender's published product data — actual rate depends on LVR, credit profile, and property details.
Stamp Duty — State Revenue Offices
| State | Authority | Last Verified |
|---|---|---|
| VIC | State Revenue Office Victoria (sro.vic.gov.au) | April 2026 |
| NSW | Revenue NSW (revenue.nsw.gov.au) | April 2026 |
| QLD | Queensland Revenue Office (qro.qld.gov.au) | April 2026 |
| SA | Revenue SA (revenuesa.sa.gov.au) | April 2026 |
| WA | Department of Finance WA | April 2026 |
| TAS | State Revenue Office Tasmania (sro.tas.gov.au) | April 2026 |
| ACT | ACT Revenue Office (revenue.act.gov.au) | April 2026 |
| NT | NT Treasury / Territory Revenue Office | April 2026 |
LMI Premiums
LMI premium estimates are derived from published rate guides from Helia (formerly Genworth) and QBE LMI — Australia's two Lenders Mortgage Insurance providers. Premiums are approximations; actual premiums are set by the lender's preferred insurer and your specific loan details.
Construction Drawdown Stages
Standard 5-stage drawdown percentages follow the HIA Lump Sum Building Contract and AS 4000-2024 General Conditions of Contract. These are the industry-standard progress payment schedules used by most volume builders in Australia.
Regulatory References
- APRA serviceability buffer: Prudential Practice Guide APG 223 — +3% above contract rate for serviceability assessment
- RBA cash rate: Reserve Bank of Australia — rba.gov.au/statistics/cash-rate/
- ASIC general advice requirements: Regulatory Guide 244 — Giving personal advice: financial product advice