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%*)

How to Manage the Rate Bar Text Blocks

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 will details how to modify the rate bars if and when required.

Note: Altering the Rate Bars as described on this page should be considered advanced. It may be best to contact support if you are required to alter the presentation of the data.

  The Header 'bm_lowest_rates_block' Rate Bar

The Single Line Rate Bar will show on your website as follows:

Single Line Rate Bar

  Pictured: The single line rate bar is shown on the broker website framework by default as part of the header. 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.

The ribbon is created with a shortcode and is shown on desktop and tablet devices only. The default shortcode used is as follows: [bm_lowest_rates_block]Home Loan Variable: %%owner_occupied_v%% • Home Loan Fixed: %%owner_occupied_f%% • Fixed: %%fixed%% • Variable: %%variable%% • Investment IO: %%investment_io%% • Investment PI: %%investment_pi%%[/bm_lowest_rates_block]

These above values may be altered based on available placeholders, but the idea idea is to showcase the more common residential and investment rates. In all cases, the rate will link to the applicable product page that details the LVR, LMI, Fees and Charges, Eligibility etc.

the Rate Bar is shown directly under your menu and above the primary CTA assets.

  Removing the 'bm_lowest_rates_block' Rate Bar

To remove the Rate Bar, you should edit any page in Elementor that includes the header (editing your 'Home' page is easiest). Select the header for editing. Simply delete the block containing the Rate Bar shortcode. Once done, click 'Save'.

Single Line Rate Bar

  Pictured: To remove the Rate Bar, you should edit any page in Elementor that includes the header (editing your 'Home' page is easiest). Select the header for editing. Simply delete the block containing the Rate Bar shortcode. Once done, click 'Save'.

Removing Rates: Like it or not, rate play a huge part in converting customers. However, in some cases - and for almost all real estate agents, buyers agents etc. - the rates can be removed entirely via an option on our end. Contact us if this is necessary.

  bm_lowest_rates_block Shortcode Attributes

A number of attributes are available that will apply alternate style to the Rate Bar, with the most notable change being the text colour (the background colour is applied in Elementor).

sort_on_lowest

Sort on lowest interest rate or comparison rate. Defaults to interest. Use sort_on_lowest="comparison" to show comparison rates rather than the published rate.

include_banks

By default we will retrieve rates for all your accredited lenders. You may include banks discriminately by defining them in a comma delimited list. An example is include banks="cba,wba,nab,stg"].

color

The colour of the rate text. Defaults to ffffff (white).

size

The size of the rate text. Defaults to 0.7(en),

cache

The time in minutes to cache the result. We use 86400 by default (one full day). Rates are updated daily so this figure is more than adequate,

  The bm_rates_ribbon Rate Bar

Another rate bar is applied in the middle of your website above the lower centre-fold. The bar is presented as follows:

Lower Rate Bar

  Pictured: Another rate bar is applied in the middle of your website above the lower centre-fold. The bar is only shown on the front page... but it may be used anywhere.

Shortcode used to return the rate bar above is as follows: [bm_rates_ribbon purpose="OWNER_OCCUPIED" rate="FIXED" text="SELECTED HOME LOAN RATES" number="25" after="Contact us for a better understanding of what rates might apply"]

Note that the shortcode is different to that of the header rate bar. To remove this content you should do so in the same way as described above, except that the content is on the page - not the header.

  The bm_rates_ribbon Shortcode Attributes

Not unlike the header Rate Bar, the bm_rates_ribbon includes a number of attributes to alter the presentation.

purpose

Defaults to 'OWNER_OCCUPIED'. Common values are OWNER_OCCUPIED and 'INVESTMENT'.

rate

Defaults to 'FIXED'. Common values are 'FIXED' and 'VARIABLE'.

text

The text shown before the rates. Default to an empty value.

after

The text shown after the rates. Default to an empty value.

number

The number of rates to return. We will always return the lowest rates of the defined type, so additional rates will progressively increase the cost of the loan. Defaults to '10', although we use 25 in the front page panel.

sort_on_lowest

Sort on lowest interest rate or comparison rate. Defaults to interest. Use sort_on_lowest="comparison" to show comparison rates rather than the published rate.

include_banks

By default we will retrieve rates for all your accredited lenders. You may include banks discriminately by defining them in a comma delimited list. An example is include banks="cba,wba,nab,stg"].

color

The colour of the returned text. Defaults to ffffff (white).

background

The background colour of the box containing the rates. Defaults to 000000 (black).

size

The size of the returned text. Defaults to 0.8(em).

padding

The internal box padding. Defaults to 10 pixels. Alter with padding="15".

margin

The margin applied to the top and bottom of the container. Defaults to -6.

tooltip_background

The tooltip colour applied when hovering over a rate.

tooltip_color

The tooltip text colour applied when hovering over a rate.

cache

The time in minutes to cache the result. We use 86400 by default (one full day). Rates are updated daily so this figure is more than adequate,

  Considerations

The two basic ribbons we've introduced here may be used anywhere that floats your boat - they're not limited to the basic locations as described. There are over 30 ways to render lender data that are styled more appropriately and render more engaging results. These panels are basic in nature and their primary purpose is to create early funnel opportunities.

The Lender Data API FAQ should be referenced for a full list of query attributes. You should consult the Placeholder FAQ for available placeholder text.

■ ■ ■

  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.

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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 ]

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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 ]

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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 ]

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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  

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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 ]

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  Related FAQs

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