Mortgage rate-rise cost
When the RBA moves, what does it actually cost you? Put in your balance and see the change to your repayment in dollars — per month, per year, and over the life of the loan.
New rate: 6.35% p.a. · a +0.25% move ≈ one standard RBA step
Principal & interest · 30-year term · same balance
This is a generic financial calculator. It produces estimates only, based on the assumptions below and the figures you enter. It is general information — not personal or financial product advice— and does not take into account your objectives, financial situation or needs. Consider whether it's right for you and seek advice from a licensed professional before making any decision. MOMONEYMOFREE does not hold an Australian Financial Services Licence and does not recommend any specific financial product.
Assumptions used →
- Principal & interest repayments on the balance you enter, over the remaining term you choose.
- Assumes the full rate move passes through to your rate and that the balance and term stay the same.
- Ignores offset/redraw balances, fees, fixed-rate periods and any repayment buffer you already pay.
- Default loan size from ABS Lending Indicators (new owner-occupier); default rate is a typical variable rate — change both to your own numbers.
- Calculated in your browser; nothing entered is stored.
Nothing entered here is sent to or stored on our servers — it's all calculated in your browser.
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