Mortgage stress test calculator
Model repayment risk with rate ranges and downside assumptions instead of treating a headline rate as stable.
Monthly repayment$3,062
$602,444Total interest
$1,102,444Total paid
30y 1mPayoff
Stress Test
What happens if rates rise?
+1%
$3,394
$721,819 interest
+2%
$3,739
$845,958 interest
+3%
$4,095
$974,298 interest
Extra Repayments
Pay off faster, save interest
Offset Account
Interest savings from offset balance
Upfront Costs
Deposit, stamp duty, and settlement costs
Compare Scenarios
Score and compare loan quotes
One headline rate is not a plan. Use the range to see how fragile or resilient the loan looks once rates move against you. The useful moment is where a small rate move starts forcing trade-offs. That break point matters more than any single repayment figure.
If the scenario table already looks tight, the fix is usually a smaller loan or a different budget, not hoping rates stay put. Decide before pressure arrives.
Frequently Asked Questions
- Does this page show live lender rates today?
- No. This page runs scenario ranges for planning. It does not fetch real-time lender feeds.
- How should I use mortgage rates today in decision making?
- Use base, +1%, and +2% scenarios to confirm repayment resilience before committing to a quote or property budget.
- Why model rates as a range instead of one assumption?
- A range shows sensitivity and reduces overconfidence. Borrowers can see how small rate moves change cashflow and long-term interest.