Buyer Tools
Interest Rate Sensitivity Calculator
See how your mortgage repayments change if interest rates rise. Model your exposure to rate increases of 0.25% through to 2%.
APRA stress test: Since October 2021, Australian lenders must assess borrowers at their current rate plus a 3% serviceability buffer. If your rate is 6.2%, your lender is checking you can afford 9.2%. This calculator shows the real repayment impact at each rate level.
Rate Sensitivity Analysis
Scenario
Monthly
Weekly
Extra / month vs now
Principal and interest repayments only. Does not include fees, charges, or offset account effects. Rates shown are illustrative. Always consult a licensed mortgage broker or your lender for personalised advice.
Want more context? Read the full guide: Selling a House with a Mortgage in Brisbane →