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Mortgage Broker Lender Document and Media API, and Lender Documents Elementor Block

Mortgage Broker Lender Document and Media API, and Lender Documents Elementor Block

Built on the back of our Lender Data API, and supplementing features such as Lender Widgets, Rate Ribbons, Rate Blocks, Lender Archives, and Lender Product Pages, we've just released the Lender Document (and Media) APIs. Our Mortgage Broker Website is now shipped with an Elementor Block that'll enable the features we're about to describe.

The Lender Document API supplements the Lender Archive (and is linked to from the archive page), and it shows all the available PDF product documents associated with each of your accredited lenders. Updated every two days, the documents are grouped by product type on your website, with Residential Lending PDFs represented by a snapshot of the PDF front page, and the remaining document types are rendered as links.

  Document Shortcode and Elementor Block

The purpose of the Document website tool supplements and supports the underlying objective of the hundreds of other website pages in that it qualifies you as a preferred broker by further showcasing your expertise and authoritativeness. That said, it is an unusual page that you might consider keeping hidden from standard navigation... although you'll likely reference the documentation yourself from time-to-time. The page might be suited as a funnel asset that's only revealed in email follow-up - usage is obviously entirely up to you.

An example page showing most of the lender documents can be found here (if a generic PDF cover is shown rather than a front page PDF snapshot, it means that new images are processing). Used on 'other' pages where limited information might be required, e can choose to show all documents from all lenders, or just those from selected lenders. We may also choose to include all product types, or selected product types.

The general shortcode option introduces a complexity that is cumbersome for most, so the drag-and-drop Elementor block is a far easier method of rendering your desired result.

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.

To render the documents on a page, you may use general WP shortcode or an Elementor block, with the latter permitting a simple drag-and-drop interface. To render the entire block of lenders with shortcode, we'd use [bm_lender_library]. To limit by lender, you should use the three-letter lender code in a comma delimited string assigned to a lenders attribute, and to limit the types of documents shown, we'd use a similar string of text assigned to a types attribute. If showing a single lender, you might choose to exclude the logo, and this may be accomplished with the attribute of logo="no". The shortcode attributes and various examples are introduced shortly.

The drag-and-drop Elementor option is far more intuitive than shortcode. Drag the 'Lender Documents' widget to a page, define your lenders (or leave for all), select the applicable document types, and you're done.

Lender Document Elementor

  Pictured: The lender widget is dragged into any position on a page, and the applicable lenders and document types are defined within the Elementor block options. For the 'standard' library page all documents for all accredited lenders are shown. You may filter the returned documents by lender and document type, so you might include just Credit Card documents for a single lender.

Shortcode Options

Standard shortcode is most suited when rendering documents in an article (such as this one). Attributes of lenders and types are used to filter the returned data. For example, the shortcode of [bm_lender_library lenders="wbc" types="CRED_AND_CHRG_CARDS" logo="no"] returns the following (we've indented the results):

Credit and Charge Cards

Available types are as follows: RESIDENTIAL_MORTGAGES, CRED_AND_CHRG_CARDS, PERS_LOANS, OVERDRAFTS, REGULATED_TRUST_ACCOUNTS, BUSINESS_LOANS, TERM_DEPOSITS, and TRANS_AND_SAVINGS_ACCOUNTS. and MARGIN_LOANS. The lenders (if limiting results) are included in the shortcode as a comma delimited string of three-letter bank codes (available in Yabber).

  Lender Document API

Documents are available via a single endpoint: api/yabber/yabber.php. An APIKEY is required, as is the action of lender_library, and the page URL making the request. The response unwraps into an array that includes all document types attached to the lender key. Each document includes a number of fields, including a number of image URLs for the document, the original and Yabber link, filesize, and so on. It's a static response so the easiest way of exposing yourself to the format is to make a request.

1
Array
2
(
3
    [adc] => Array
4
        (
5
            [TRANS_AND_SAVINGS_ACCOUNTS] => Array
6
                (
7
                    [1821] => Array
8
                        (
9
                            [id] => 1821
10
                            [name] => Junior Saver
11
                            [bank] => adc
12
                            [productCategory] => TRANS_AND_SAVINGS_ACCOUNTS
13
                            [effectiveTo_timestamp] => 2052874800
14
                            [url] => https://www.australianmilitarybank.com.au/sites/defa ... JuniorMembership.pdf
15
                            [filename] => adc/adc_3c6e44c753ccf8efa84b1025181afdd7/australianmilitarybank-juniormembership.pdf
16
                            [original] => https://api.beliefmedia.com/platf ... 3488b534447a355cbd63fd693cb2.jpg
17
                            [large] => https://api.beliefmedia.com/platf ... 3488b534447a355cbd63fd693cb2_large.jpg
18
                            [medium] => https://api.beliefmedia.com/platf ... 3488b534447a355cbd63fd693cb2_medium.jpg
19
                            [thumbnail] => https://api.beliefmedia.com/platf ... 3488b534447a355cbd63fd693cb2_thumb.jpg
20
                            [small] => https://api.beliefmedia.com/platf ... 3488b534447a355cbd63fd693cb2_small.jpg
21
                            [filesize] => 57008
22
                            [document_created_at] => 1684847645
23
                        )
24
 
25
                )
26
 
27
        )
28
 
29
    [adl] => Array
30
        (
31
            [BUSINESS_LOANS] => Array
32
                (
33
                    [2] => Array
34
                        (
35
                            [id] => 2
36
                            [name] => SmartSuite Commercial Full Doc
37
                            [bank] => adl
38
                            [productCategory] => BUSINESS_LOANS
39
                            [effectiveTo_timestamp] => 2052874800
40
                            [url] => https://www.adelaidebank.com.au/siteassets/docume ... rcial-fees-and-charges-guide.pdf
41
                            [filename] => adl/adl_da0c525b862b5fd094e4e0912af6a5c9/smartsuite-commercial-fees-and-charges-guide.pdf
42
                            [original] => https://api.beliefmedia.com/platf ... 829ca7014b01e9583477152493d7.jpg
43
                            [large] => https://api.beliefmedia.com/platf ... 829ca7014b01e9583477152493d7_large.jpg
44
                            [medium] => https://api.beliefmedia.com/platf ... 829ca7014b01e9583477152493d7_medium.jpg
45
                            [thumbnail] => https://api.beliefmedia.com/platf ... 829ca7014b01e9583477152493d7_thumb.jpg
46
                            [small] => https://api.beliefmedia.com/platf ... 829ca7014b01e9583477152493d7_small.jpg
47
                            [filesize] => 128893
48
                            [document_created_at] => 1643664793
49
                        )
50
 
51
                    [1] => Array
52
                        (
53
                            [id] => 1
54
                            [name] => SmartSuite Commercial Simple Doc
55
                            [bank] => adl
56
                            [productCategory] => BUSINESS_LOANS
57
                            [effectiveTo_timestamp] => 2052874800
58
                            [url] => https://www.adelaidebank.com.au/siteassets/docum ... tsuite-commercial-fees-and-charges-guide.pdf
59
                            [filename] => adl/adl_39bb922fc2a969e1cdbd272146919870/smartsuite-commercial-fees-and-charges-guide.pdf
60
                            [original] => https://api.beliefmedia.com/plat ... e83e01cb9f023bce272705ce5d73.jpg
61
                            [large] => https://api.beliefmedia.com/platf ... e83e01cb9f023bce272705ce5d73_large.jpg
62
                            [medium] => https://api.beliefmedia.com/platf ... e83e01cb9f023bce272705ce5d73_medium.jpg
63
                            [thumbnail] => https://api.beliefmedia.com/platf ... e83e01cb9f023bce272705ce5d73_thumb.jpg
64
                            [small] => https://api.beliefmedia.com/platf ... e83e01cb9f023bce272705ce5d73_small.jpg
65
                            [filesize] => 128893
66
                            [document_created_at] => 1643664793
67
                        )
68
 
69
                )
70
 
71
            [RESIDENTIAL_MORTGAGES] => Array
72
                (
73
                    [640] => Array
74
                        (
75
                            [id] => 640
76
                            [name] => Adelaide Bank SmartFit
77
                            [bank] => adl
78
                            [productCategory] => RESIDENTIAL_MORTGAGES
79
                            [effectiveTo_timestamp] => 2052874800
80
                            [url] => https://www.adelaidebank.com.au/globalassets/docume ... artfit-home-loan-key-fact-sheet.pdf
81
                            [filename] => adl/adl_5031c21176d6840497bfae0da6fe6ae4/smartfit-home-loan-key-fact-sheet.pdf
82
                            [original] => https://api.beliefmedia.com/platf ... e2e557cd5e2cf8f649e966a4a526.jpg
83
                            [large] => https://api.beliefmedia.com/platf ... e2e557cd5e2cf8f649e966a4a526_large.jpg
84
                            [medium] => https://api.beliefmedia.com/platf ... e2e557cd5e2cf8f649e966a4a526_medium.jpg
85
                            [thumbnail] => https://api.beliefmedia.com/platf ... e2e557cd5e2cf8f649e966a4a526_thumb.jpg
86
 
87
                            [ SNIP ]

  API Response: Example API Data. The primary response will return a status, code, and version details, so the data is shown under the data key. All documents are shown in a product type array. Note that we return a large number of image sizes: original, large, medium, thumbnail, and small. The document linked from your website is the lender source, although a Yabber copy is maintained (and referenced in the response). If querying the Lender API, the applicable document with images is returned in the standard response.

Data is updated daily and cached on websites for up to 2 days.

  Lender Media API

Lenders publish card art for authorised agents to promote their products. The quality and type of art returned by lenders doesn't follow any predictable format, and the returned image isn't necessarily any good, but it's often useful for brokers that manufacture their own promotional material.

Sample Lender Card Art

  Pictured: Example card art. The art may be of any size, and represent the product in any way. Some images show smartphone/netbank images, while others might show a card. At times you'll see a full promotional poster.

The API requests all the current images and returns them indexed on lender. The API is static in nature, and it's designed to simply allow you to synchronise your own library. Media is available via a single endpoint: api/yabber/yabber.php. An APIKEY is required, as is the action of cardart, and the page URL making the request.

1
Array
2
(
3
    [adc] => Array
4
        (
5
            [1] => Array
6
                (
7
                    [id] => 1
8
                    [lender] => adc
9
                    [productId] => e1f63c50-20bb-457a-8fee-da684c281a0a
10
                    [productIdGroup] => ec3fb53a9b739bf8f1f56e2db8cafaaa
11
                    [bm_product_id] => adc_dd938e09855c6d75d034deb44f37de52
12
                    [title] => Tri-Forces
13
                    [imageUri] => https://www.australianmilitarybank.com.a ... ult/files/AMBCredit.png
14
                    [filename] => adc-Low-Rate-Visa-Credit-Card-6f0af5485e6f4ace2f1da6866fecbf31.png
15
                    [updated_at] => 1686168288
16
                )
17
 
18
            [2] => Array
19
                (
20
                    [id] => 2
21
                    [lender] => adc
22
                    [productId] => 9d1bd433-1c09-47dd-8841-a68e1dc715d1
23
                    [productIdGroup] => 9e3c1ed5f58162ea5771975884f4a7c9
24
                    [bm_product_id] => adc_5514af380c671e7194047e3283fea52b
25
                    [title] => VISA Credit
26
                    [imageUri] => https://www.australianmilitarybank.com.a ... les/RSLCredit.png
27
                    [filename] => adc-Low-Rate-Visa-Credit-Card-d52f139e1f8d781afb1977cb389f901b.png
28
                    [updated_at] => 1686168288
29
                )
30
 
31
            [98] => Array
32
                (
33
                    [id] => 98
34
                    [lender] => adc
35
                    [productId] => e85fb967-c363-445c-b811-014eb864f3b7
36
                    [productIdGroup] => 34a0850636cee03936b940c4877c7680
37
                    [bm_product_id] => adc_130119b45efda8b519ba61d5c3d5bd59
38
 
39
                    [ SNIP ]

  API Response: Example API Data. The primary response will return a status, code, and version details, so the data is shown under the data key. The original and Yabber copy of the image is returned. If required, the other values may be used to query the parent product.

A csv parameter may be used to return a CSV format to the screen without any authentication. The entire package of images (updated daily) is available from our own demo lender archive page. The ZIP file includes all images in parent lender directories, and this is reflected in the csv file.

Lender Images and Icons: If you're after lender images and icons, you should download our free broker plugin. The images directory includes a large number of lender images in various sizes.

Both APIs described on this page function on the free API key issued with our free broker plugin.

  In the Funnel

Everything we do is designed to improve your marketing efforts. The API is somewhat useless to most brokers, but the dedicated Document Page might provide value in the funnel. If everything we do is designed to qualify us, the sheer volume of information you make available further qualifies your expertise and authoritativeness in the market, and it further elevates your presence above that of your competition. There's often no more than a single link that might reference this material, so it's likely your website visitors won't be exposed to it during their early research efforts. It's high-value resources on the periphery that provides us with an opportunity to introduce additional material in our funnel, and it's in the nested funnel where we'd usually expect the page to be introduced.

Note: To support funnel escalation, the Outlook-integrated location forms we show on every page of your website will also be defined for the Document page.

  Lender Data in Yabber

We're still working on an effective way in which to return all lender data in Yabber, and we expect to release the module at the same time we return the comparison engine. The module will include a basic feature that'll permit you to directly send a user any document via email.

In this first version, documents are not tracked. However, if you choose to measure and/or apply triggers to downloads, you may import any document into your Download Archive.

  Related Reading

If you're interested in the suite of lender data made available on our broker website framework, the following articles will be of interest.

  Conclusion

Despite the fact that we've archived this data for years, the inclusion of this module came off the tail end of a discussion with our legal representation. Their interpretation of Best Interest Duty was such that full disclosure of product terms and conditions meant making that information available when it was made available to us. Making the data available is an extremely high-value marketing and website resource, but it also provides another compliance tick... despite the fact excluding it would never expose us to regulatory scrutiny.

With a recent hiccup we experienced with our servers, we're progressively moving through each client website to ensure various features weren't impacted. As part of that process, we'll add the Lender Library page... although we won't link it from anywhere unless it's specifically requested.

  Featured Image: The London Chartered Bank of Australia (from 1893 the London Bank of Australia) was an English-run Australian bank which operated from 1852 to 1921. The bank was formed in October 1852, with the issuing of a prospectus and granting of a Royal Charter for a new London-based joint stock bank to operate in the colonies of New South Wales and Victoria. A manager and clerk staff were sent from England to New South Wales on the Harbinger in May 1853. Branches in Collins Street, Melbourne and George Street, Sydney opened in July 1853, the latter occupying the former premises of the defunct Bank of Australia, with a Geelong branch following in October 1853. A succession of branches in regional mining centres followed in 1855-56, with Ballarat, Beechworth and Dunolly among them. By 1893, the bank had main offices in Melbourne and Sydney, thirty-four branches in Victoria, five other city and suburban branches in Sydney, eight regional New South Wales branches (Bourke, Broken Hill, Deniliquin, Hay, Katoomba, Newcastle, Waverley and Wilcannia) and four branches in Queensland (Brisbane, Ipswich, Townsville and Charters Towers). In August 1920, the bank announced that it had received a takeover proposal by the English, Scottish and Australian Bank (ESandA - now part of ANZ) seeking a controlling interest in the bank and that the directors had reached a provisional agreement for amalgamation into the ES&A Bank if sufficient shareholders were willing to sell. The ES&A Bank was successful in the takeover, and the London Bank ceased to exist when the ES&A Bank assumed control of its business from 2 May 1921. Pictured is the Brisbane City building on the corner of Creek and Queen Street, Brisbane. It was demolished in 1976. [ View Image ]

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