You've probably seen lenders advertise an interest rate vs. comparison rate if you're looking for a home loan. If that's the case, you're probably wondering what comparison rates are and whether there's a difference between an interest rate and a comparison rate. Visit here to find out more!

A mortgage rate lock is an offer made by a lender to protect you from rising interest rates for a specified period of time. The lock guarantees that your interest rate will not change for the specified period of time, such as three or five years. If you intend to obtain or refinance a mortgage with a fixed monthly payment, a mortgage rate lock could ensure you protect the rate prior to settlement. Here are a few things to consider before locking in a new interest rate.

A home loan interest rate only indicates how much interest you will be charged annually on the principal balance of your loan, which affects your monthly installments. Comparison rates, on the other hand, compare the overall cost of the loan per year, which includes the majority of the fees and charges that may arise at the start of the loan or throughout the year. For more information, please visit the North Brisbane Home Loans website.

Vested Interest Box Set: Books 4-7 by Melanie Moreland

My rating: 5 of 5 stars


If ever there was a heartache waiting to be found, Moreland proves without a shadow of a doubt, she knows just where to look. Moreland will leave your heart spent, but empowered by the unpredictable, beauty of love.


Reid - Misjudged, misrepresented, misunderstood. Reid is a new beginning for a broken heart. I loved Aiden, Bentley and Maddox but I fell in love with Reid.


Van - Moreland has crafted a puzzle that seems totally put together, but looks can be deceiving. Hidden in the fine print, the clues are almost blinding. Emotion is the star of the show.

Halton - What happens when a man known for using his head finally listens to his heart?  Two cynical hearts are about to discover there is no logic, when it comes to falling in love. The heart is the deciding factor and we're all just along for the ride.

Sandy - Sandy forces the heart to stop and take notice. It's raw, inspiring and haunting.



View all my reviews

Sandy by Melanie Moreland

My rating: 5 of 5 stars


If ever there was a heartache waiting to be found, Moreland proves without a shadow of a doubt, she knows just where to look. Sandy forces the heart to stop and take notice. It's raw, inspiring and haunting. I found myself lost in the vulnerable, tortured by the painful and inspired the hope. Moreland will leave your heart spent, but empowered by the unpredictable, beauty of love.