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Comparison rate is true only for the examples given and may not include all fees and charges. Comparison rate is calculated on a $150,000 secured loan, over a 25 year term. WARNING: Comparison rate is true only for examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate. For variable interest only loans, comparison rates are based on an initial 5 year Interest Only period. For fixed Interest Only loans, comparison rates are based on an initial Interest Only period equal in length to the fixed period. During an Interest Only period, your Interest Only payments will not reduce your loan balance. This may mean you pay more interest over the life of the loan.