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Comparison rates quoted on lenders web sites or brochures can be quite misleading because due to legislated requirements they are typically based on a loan of around $250,000 over 30 years and they may be nothing like your requirements.  This calculator allows you to calculate the actual interest comparison rate for your own circumstances and therefore is much more accurate.   This will be even more evident when using the calculator for fixed interest rate loans as you can enter the actual discounted rate that your loan will revert to which is something lenders are not allowed to do.

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