How we source rates
Every rate is prefilled from an official source — a central bank or national statistics body. The table below shows exactly where each comes from, how often it updates, and any usage requirements.
| Country | Source | Cadence | Notes |
|---|---|---|---|
| US | Freddie Mac PMMS via FRED | Weekly (Thursday) | Citation required per FRED terms. |
| UK | Bank of England IADB | Monthly | 2yr fixed 75% LTV series (IUMBV42). |
| CA | Bank of Canada Valet API | Weekly | Posted conventional mortgage rates. No API key required. |
| AU | Reserve Bank of Australia Table F6 | Monthly | Housing lending rates. |
| IE / DE / NL / FR / ES | ECB Data Portal — MIR statistics | Monthly | MFI interest rates, new house purchase loans. |
| NZ / SG / IN | Manually curated | Quarterly review | Sourced from RBNZ, MAS, and RBI respectively. |