RBA Rate Change Mortgage Calculator
Stress-test a cash-rate-sized move against your actual home-loan rate, balance and remaining term.
Use your lender's rate, not the RBA cash rate.
Assumes principal-and-interest repayments and the changed rate lasts for the entire remaining term. Lenders may pass through a different amount or timing.
What this estimate includes
- Compares current and changed monthly principal-and-interest repayments.
- Converts the monthly difference to an annual household cash-flow impact.
- Models remaining interest if the changed rate lasted for the whole term.
- Uses your lender rate rather than treating the RBA cash rate as a retail mortgage rate.
Frequently asked questions
Does an RBA cash rate move equal my mortgage rate move?
Not necessarily. The cash rate influences funding and lending rates, but each lender chooses whether, when and how much to pass through.
What is a basis point?
One basis point is 0.01 percentage points. A 25 basis-point rise changes 6.00% to 6.25%.
Why use my current mortgage rate?
The RBA cash rate is not your retail loan rate. Your current lender rate and remaining balance are the correct starting point for repayment modelling.
What does the remaining-interest change assume?
It assumes the new rate stays in place for the full remaining term, with principal-and-interest repayments and no fees or extra repayments.
Tax Accuracy & Sources
Scenario estimate for a principal-and-interest loan. Excludes lender fees, offset balances, extra repayments and future rate changes.