Briana McDonagh — Mortgage Adviser

Rate stress test

See how your repayments would change if interest rates moved. Banks test your ability to service a loan at a higher rate than you're actually paying — this shows you the same thing, in both directions.

Your current loan

Loan balance

Current interest rate (%)

Loan term remaining (years)

Repayment frequency

How long will you be on interest-only? (years)

What this means for you

Repayment breakdown

Scenario	Rate	Repayment	Change

This is an estimate for illustration only, based on the figures you've entered, and doesn't account for fees, offset structures, or what happens after any interest-only period ends. Get in touch for an accurate assessment based on your actual situation.

Why this matters

Over the lifetime of your loan, interest rates will rise and fall. That's just the normal rate cycle, it's not a sign anything has gone wrong. It's not something you can control, but it is something you can plan for. Knowing roughly what your repayments could look like if rates move either way means you're prepared whichever direction they go, rather than being caught off guard.