RBA Cash Rate: 4.35% · 1AUD = 0.67 USD · Inflation: 4.1%  
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Example Interest Rates: Home Loan Variable: 5.20% (5.24%*) • Home Loan Fixed: 5.48% (6.24%*) • Fixed: 5.48% (6.24%*) • Variable: 5.20% (5.24%*) • Investment IO: 5.78% (6.81%*) • Investment PI: 5.49% (6.32%*)

Understanding Your Website Lender Data Structure

Like it or not (and most brokers don't), rates play a huge part in attracting the early attention of your website visitors. You will attract more traffic and you will attract more clients. What you do next will unlikely be rate focused, but our early efforts should be focused on creating conversations.

Note: This FAQ provides a broad and cursory introduction to structure. It doesn't include all the Lender Data features. Other FAQs should be referenced for information on specific tools and features.

We include rate data in a large number of formats in various locations, and we create a large number of purpose-built pages to showcase up-to-date content. This FAQ is designed to give you a big-picture overview of the primary Lender architecture which includes the 'default' lender pages. Whether you choose to include these pages into your website is entirely up to you.

  Defining Accredited Lenders

An FAQ introduces the method for defining your accredited lenders in Yabber. All requests made from a specific website will reference only those lenders defined for that website.

  Compliance and Rate Validity

Data is updated in Yabber every day although data on your website is cached in full for 2-days to ensure speedy retrieval. To mitigate the ongoing issues with lenders publishing invalid data or information that might (unintentionally) deceive, we exclude those products that carry a low-rate expectation, such as Land Loans, and we generally apply a buffer of 0.5% on the cash rate, so any product with either a comparison or published rate lower than the cash rate + 0.5% will be excluded from results. If required, you may purge all lender data from your website and force a refresh at any time.

Rate data is monitored by us to be compliant, and the data is only ever rendered or returned to a client when it is consistent with both best practice and legislated obligations. If you ever encounter an issue that may impact compliance you should contact us immediately.

  The Front Page

The front page includes a large number of Lender data options. Your website includes a Rate Bar under the primary menu, several 'Lender Widget' blocks throughout the page, and the Rate Ribbon is shown mid-fold. The primary CTA text also includes placeholder text. As you would expect on any broker website, we include a large block of accredited lender images (with the exception that we link each individual image to product archives). A menu item in the primary menu generally links to the 'Rates' archive (detailed shortly).

The front page takes shape around the typical messaging you might use as a broker, and the purpose of the data is not to serve your primary message, but rather wrap itself around 'everything else'. The information establishes your expertise, clearly positions you as a broker, showcases your library of products, and gives clients what they're actually looking for. If you're worried about a client seeing a rate and running elsewhere, your opinion is flawed -- If a client wanted rates in isolation they'd use a comparison website.

  Three Tiers of Data

The primary navigation that supports Lender Data is provided via a three-tiered system, so we include all data, specific lender products, and a specific product. Each level od data access provides direct access to the product data (introduced shortly).

Let's start with the Lender Archive. This page is the primary accessed via the 'Rates' menu item in your primary header navigation menu.

Lender Data Overview

  Pictured: The Lender Data archive page includes an upper Lender Widget panel (linking to popular residential and investment products), the Lender Grid (as shown on the front page, with each image linking to the Lender Page introduced shortly), and a number of Lender Widgets for Personal, Business, Margin and Transactional products.

]The Lender Data archive page includes an upper Lender Widget panel (linking to popular residential and investment products), the Lender Grid (as shown on the front page, with each image linking to the Lender Page introduced shortly), and a number of Lender Widgets for Personal, Business, Margin and Transactional products.

Each of the products listed in the Lender Widgets will link to a product page, while the Lender Images will link to the Lender Page Archive. The Lender Page Archive includes all the parent products made available via that lender. In the example below we've clicked on the Commonwealth Bank image.

Lender Page Archive

  Pictured: The Lender Page Archive includes all the parent products made available via that lender. In the example screenshot above we've selected the Commonwealth Bank archive.

The Lender Widgets towards the bottom of the page lists additional finance options of a large number of other types, and we segregate product options such as Business, Personal, Equipment, SMSF, Green Products, and so on. The primary home loan products are obviously listed towards the top of the page.

Selecting any specific product from any archive will direct the user to a product page that lists a large number of product details.

Lender Product Page

  Pictured: Selecting any specific product from any archive will direct the user to a product page that lists a large number of product details. When able, we'll embed or link to product PDFs although this may be muted in Yabber.

All of the pages we've just introduced introduces thousands of pages to your website, and they all create serious engagement when you actually expose your expertise to an audience (as we'll describe in our series on Funnels, we should incrementally drip-feed these resources to our clients).

Any or all of the pages may be modified in various ways, including the removal of any data blocks.

  Supporting Lender Data Pages

We include a large number of supporting and standalone lender data pages, Given their size we won't include screenshots; instead, we'll link to example pages on this website (pages on your website will be presented differently although the data is virtually the same).

In newer frameworks, we use a number of BM Boxes as navigation elements that link to the various lender pages. The purpose of the pages are to list the lowest rate for each product type from each lender, so we'll only include one Home Loan product for Commbank, one for ANZ, one for Westpac, and so on. The purpose of the page is to visually pain a picture of the range of rates of each product type (listed in order of rate).

Resources Lender Data Links

  Pictured: Selecting any specific product from any archive will direct the user to a product page that lists a large number of product details. When able, we'll embed or link to product PDFs although this may be muted in Yabber.

Lender Archive Page Menu

  Pictured: A small extract from the Home Loan and Investment Archive. The Home Loan and Investment archive can be particularly long. The idea is to provide authoritative proof of your product claims and expertise - it's not to guide clients into any particular product. Note that each of the lenders in the screenshot is different, with each panel linking to the applicable product page. Archives are cached for up to 48 hours before replaced with new data.

In total, there are ten 'backend' archive pages that return content of the following types:

Remember, the ten archives listed above - unlike the two primary archives - are more of a navigation sitemap than any kind of usable resource, and they'll be used in the funnel to reinforce concepts rather than define them.

The one page that isn't listed above is the Lender Document Page, and this page lists every available PDF or other document made available via Lenders (example page here). It was previously excluded from all navigation menus but from Version 3.9 of our website framework it is now included by default.

Lender Documents

  Pictured: Documents made available from Bendigo Bank. Each accredited lender is listed vertically occupying a large portion of the page. Documents shown (when available) include those for Residential Mortgages, Credit and Charge Cards, Personal Loans, Overdrafts, Regulated Trust Accounts, Business Loans, Term Deposits, Transaction and Savings Accounts, and Margin Loans. The Residential Mortgages documents are shown by way of a first-page image, with the remainder shown in a list. The naming convention used by lenders isn't ideal, so the document name is also printed to indicate the purpose of the document.

An FAQ details the Lender Library in more detail unlike the other pages, the library includes components that may be selectively applied on any page.

  Comparison Engine

Yoru website Comparison Search Engine is discussed in an FAQ titled How to Use Your Website Comparison Search Engine". At this stage the feature is made available to selected clients simply because releasing it would require additional support. Those that do have access will find the Elementor Block by searching for 'BM Comparison Search".

  Lender and Comparison API

The Lender architecture is supported by two primary APIs: the Lender API and the Ai-driven Comparison API. Both are available via your standard client API Key.

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  Related Lender Data FAQs

Related FAQs and features relating to Lender Data. The Lender features tends to touch most modules, so only primary FAQ modules are shown.

One of the features of Yabber that is less visible than others is the lender rate email signature. The signature is an image that may be used in an email signature to return the lowest rate of a specific type. Yabber provides links to the direct image and will also create a HTML link for… [ Learn More ]

All rate data returned via Yabber will automatically segregate the requested 'standard' products from those 'conditional' products, such as green finance or leveraged residential lending against a business product. In all cases where we've had feedback from users and the validity of rates was questioned, the product has existed and was entirely valid, but the… [ Learn More ]

In an FAQ titled How to Define and Send Lender-Specific Videos for the Lenders Archive and Product Pages we looked at how to assign videos to the Lender Product Archive and Pages on your website. Familiarity with the former module is required, as this FAQ will simply show you how to link directly… [ Learn More ]

In a previous FAQ we introduced how to define the single video for your website Lender Archive page. However, this is the top-level entry page that effectively acts as a conduit to the Lenders Archive Pages and the thousands of Lender Product Pages. Each of the specific Lender Archive Pages, and all of… [ Learn More ]

The Lender Archive Video is a single video shown on the entry Lender Archive Page. It is important for the purpose of amplifying funnel enthusiasm and introducing your website visitors to the purpose of the vast information archives you make available. The video should always include an appropriate call-to-action, appropriate disclaimers, and other helpful… [ Learn More ]

We've said it over and over again, but we'll say it again regardless. You don't want to be a rate-driven broker, and you don't want to attract rate-focused mortgage customers. However, that doesn't mean that we selectively deliver self-serving information on our website or in the funnel at the expense of the information that well… [ Learn More ]

There are a couple of dozen different ways to show Lender Data on your website, and the floating Lender Panel is just another one of them. The panel is also a feature that you're not likely to use. We'll often say that we have to serve information on our website that the consumer wants and… [ Learn More ]

The Modal Module made available in Yabber is an incredibly powerful feature that provides enormous flexibility in how and when we interrupt the funnel in order to provide appropriate course correction. The system is supplemented by a linking feature that permits you to link directly to any modal manicured within the system. In order to… [ Learn More ]

Lender Modals are popups shown based on the lender pages on your website. Each lender is assigned to a 'Lender Group' with a group consisting of a single lender or multiple lenders, and the defined modal will show when a user visits the specific lender archive product pages on your website. A default lender… [ Learn More ]

The inclusion of transactional account data on your website is important because it's part of a mortgage product that a consumer will interact with every single day. In terms of our compliance obligations, only those transactional accounts that are associated with lender products may be shown, and this effectively includes every transactional account made available… [ Learn More ]

Business Finance is an important part of your business model, and the lending is a gateway loan into typical residential lending. The business finance products made available on your website are sourced from your accredited lenders. This FAQ will details how to include a Business Finance Lender Widget anywhere on your website.

  Business Finance Widget… [ Learn More ]

Personal Loans are a getaway into other types of lending, so it's something that your business shouldn't ignore. It's a common type of finance that is widely used, and one that takes very little time to process. Your website includes various pages for personal vehicle, maritime, motorcycle, caravan, aircraft, and other types of specific assets,… [ Learn More ]

Margin lending is a type of loan that allows you to borrow money to invest, by using your existing shares, managed funds and/or cash as security. It is a type of gearing, which is borrowing money to invest.

  

Compliance We've consulted with ASIC to determine if it's acceptable from a compliance perspective to include details… [ Learn More ]

Despite the ubiquitous industry rhetoric suggesting that sharing rates on your website will only attract 'rate chasers' (partially true, but outside the scope of this FAQ), the rate information shared on your website will objectively attract and convert more mortgage clients. Used in company with other Lender Rate features, your powerful website presence will quickly… [ Learn More ]

Despite the ubiquitous industry rhetoric suggesting that sharing rates on your website will only attract 'rate chasers' (partially true, but outside the scope of this FAQ), the rate information shared on your website will objectively attract and convert more mortgage clients. Used in company with other Lender Rate features, your powerful website presence will quickly… [ Learn More ]

A number of FAQs make reference to 'Lowest Rate Placeholders'. Placeholders are a string of text that is replaced in many blocks of text with the lowest available rate of a specific type from your accredited lenders. The placeholders shown below are in no way definitive - in fact, they're just one style of placeholder,… [ Learn More ]

The Lender Widgets on your website are one of your most powerful website features. Despite the ubiquitous industry rhetoric suggesting that sharing rates will only attract 'rate chasers' (partially true, but outside the scope of this FAQ), the rate information shared on your website will objectively attract and convert more mortgage clients. Used in company… [ Learn More ]

Quite frankly, the Lender Archive Page link shortcode is rather pointless because the standard link shortcode is arguably more effective. The reason it exists is because we have other plans for how the shortcode is to be used. So, if you're linking to a specific lender archive, such as that for the Commonwealth Bank ,… [ Learn More ]

The Lender Widgets on your website are one of your most powerful website features. Despite the ubiquitous industry rhetoric suggesting that sharing rates will only attract 'rate chasers' (partially true, but outside the scope of this FAQ), the rate information shared on your website will objectively attract and convert more mortgage clients. Used in company… [ Learn More ]

The Lender Library is an unusual page. It was once a hidden page on broker websites that was used almost exclusively by brokers. It has since become a standard public page within the website framework. The article in our blog titled "Mortgage Broker Lender Document and Media API, and Lender Documents Elementor Block" should be… [ Learn More ]

In order to represent your panel of lenders on your website, most brokers will use a silly slider of static images, and others will use a single fixed image comprised of multiple images - just a lazy solution. Your website includes a grid of images that links to the application Lender Archive Page that'll… [ Learn More ]

The Featured Product panel is a means to provide an array of information on a single product. The information may be shaped in numerous formats which is guided by the Elementor plugin options. As is expected from any finance professional, the rate data (and other product data) is always maintained to reflect the current rate.… [ Learn More ]

Like it or not (and most brokers don't), rates play a huge part in attracting the early attention of your website visitors. You will attract more traffic and you will attract more clients. What you do next will unlikely be rate focused, but our early efforts should be focused on creating conversations.

Note

This FAQ provides… [ Learn More ]

The Featured Rates Panel is one of nearly 30 tools used to render lender data and comparison information, and it is one of two panels used to return 'Featured' rate data in a manner similar to that which we're about to describe. The 'other' featured rate panel' is somewhat of a legacy Elementor-only feature.… [ Learn More ]

There's a Rate Ribbon on the front page of your website below the centre-fold block that presents the lowest rates of various types. The purpose of the ribbon is to position yourself as a broker, showcase your digital expertise, and create early funnel pathways. Each rate shown in the ribbon links to the relevant  

The single line rate bar is shown on the broker website framework by default as part of the header and in the centre of the front page. The purpose is to position yourself as a broker, differentiate yourself from the 'others', showcase lowest available rates from your accredited lenders, and create website pathways. This FAQ… [ Learn More ]

The Published versus Comparison Rate graph was created to support a single FAQ on 'What is a Comparison Rate', but the graph often finds value elsewhere. To include the graph on your page, use the shortcode of [comparison_interest_faq]. The Result:

The graph simply illustrates how the published rate is often vastly different to the… [ Learn More ]

There are times where you will need to return the current cash rate into your website (often in your website footer as a quick reference). The shortcode of [bm_cashrate] will return 4.35% (bolding is ours). Simple. Note that the current cash rate is always shown in the header of your website. This panel links to… [ Learn More ]

All queries to lender data is measured against your accredited lenders. Once our accredited lenders are defined in Yabber, all queries from each of your specific websites will only return data from those lenders as defined in Yabber. Lenders are added to the system regularly and data is generally updated daily. Access the Lender Data… [ Learn More ]

  Related FAQs

BM FAQ Yabber Website

How to Create Conditional Content Blocks

Conditional Content is content that is delivered to a user based on resolved borrowing objective, occupation, campaign links, or interest. Your website is a shape-shifting

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