LukePrior / mortgage-manager

Using Open Banking Data to Maximize Mortgage Savings. CSESoc X Pearler Competition, CSESoc Personal Project Competition Winner
https://lukeprior.github.io/mortgage-manager/
MIT License
38 stars 3 forks source link

Data not reflective of Lender's website #3

Open mkerollos opened 1 year ago

mkerollos commented 1 year ago

First off - love this, and makes all the other rate comparison sites redundant. I'm noticing out of sync data between what's displayed here and what's displayed on the lender's website (in particular, rates). If this is what's available on the OpenBanking API then there's probably nothing you can do about it.

E.g. From the tool: image

From the lender's site: image

LukePrior commented 1 year ago

Hi Mark,

Thanks for bringing this to my attention, I am looking at the product in my Open Banking Tracker repo which is updated daily with a snapshot of all products.

The id for The Mutual Bank is 49c500b3-dacf-eb11-a824-000d3a884a20 and this specific product seems to be identified as Owner_Occupied_Budget_Home_Loan_Special_Variable_Rate_less_than_60_percent_LVR.

You can find the latest download of this specific product here: https://github.com/LukePrior/open-banking-tracker/blob/main/brands/product/49c500b3-dacf-eb11-a824-000d3a884a20/Owner_Occupied_Budget_Home_Loan_Special_Variable_Rate_less_than_60_percent_LVR.json

I have also manually verified that this is still live directly from The Mutual Bank CDR API at:

curl -X GET https://openbanking.themutual.com.au/OpenBanking/cds-au/v1/banking/products/Owner_Occupied_Budget_Home_Loan_Special_Variable_Rate_less_than_60_percent_LVR -H "x-v: 3"

The last update to this file was 7 days ago when this issue seems to have appeared. My history script shows that the rate was reported as 5.83% as is listed on the website until this change.

image

https://raw.githubusercontent.com/LukePrior/open-banking-tracker/main/history/product/49c500b3-dacf-eb11-a824-000d3a884a20/Owner_Occupied_Budget_Home_Loan_Special_Variable_Rate_less_than_60_percent_LVR.json

I'm using git to track all these changes which probably isn't the most optimal solution but I will continue to look into it further.