Mortgage stress test
Rate Change Impact Calculator
Convert a rate rise, cut or APRA-style buffer into monthly and annual repayment changes.
Rate sensitivity
Model repayment changes from rate moves
Estimate the monthly and annual repayment impact of RBA or lender rate changes.
| Rate move | New rate | Monthly repayment | Monthly change | Annual change |
|---|---|---|---|---|
| -1.00% | 5.25% | $4,142 | -$476 | -$5,716 |
| -0.50% | 5.75% | $4,377 | -$241 | -$2,893 |
| -0.25% | 6.00% | $4,497 | -$121 | -$1,455 |
| +0.25% | 6.50% | $4,741 | +$123 | +$1,472 |
| +0.50% | 6.75% | $4,864 | +$247 | +$2,959 |
| +1.00% | 7.25% | $5,116 | +$498 | +$5,981 |
| +3.00% | 9.25% | $6,170 | +$1,552 | +$18,626 |