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Calculators

Links Property Finance · Free calculator from a Sydney mortgage broker: Rate Rise Calculator

Enter what you owe, your rate, the years left and the rise. The calculator shows the new monthly repayment, the extra each month and each year, and the repayment a new lender would test you at.

Reviewed by Charles Touma Updated 29 October 2026

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How much will a rate rise add to my mortgage repayments?

A 0.25% rate rise adds about $97 a month to the repayment on a $600,000 loan with 30 years left at 6%, and a 0.50% rise about $195, or $2,341 a year.

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The more you owe and the more years are left, the bigger the change. Lenders pass a rise on from their own effective date, usually a few weeks after a Reserve Bank decision.

Part of the refinancing guide.

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What will the rise cost you?

Your repayment, after the rise

How much will a rate rise add to my repayments?

Enter what you owe, your current rate, the years left and the rise. Principal and interest at a constant rate.

$600,000
6.00%
30 years
+0.50%
  • Repayment now$3,597/mo
  • Repayment after the rise$3,792/mo
  • Extra each month+$195/mo
  • Extra each year+$2,341
  • A further 0.25% would add+$99/mo
  • Repayment at your rate plus 3%, the test a new lender uses$4,828/mo

Estimates only, principal and interest at a constant rate. Lenders set their own effective date for a change, and fixed loans do not change until the fixed term ends. Not credit advice.

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How much does each rise add, by loan size?

Extra each month on a loan with 30 years left at 6%, principal and interest.

$500,000$2,998. +$81.
$600,000$3,597. +$97.
$750,000$4,497. +$121.
$1,000,000$5,996. +$162.

Rate rises are examples, not forecasts. With fewer years left, the same rise adds a little less: $600,000 with 15 years left adds about $81 a month for 0.25%.

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When does a rate rise reach my repayment?

Each lender sets its own effective date, commonly a few weeks after a Reserve Bank decision, and writes to you with the new repayment. The RBA cash rate guide links to the Reserve Bank’s own table of decisions and meeting dates.

A fixed rate does not change until the fixed term ends, and an interest-only repayment changes with the rate straight away because it is all interest.

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What can you do before the rise lands?

Ask your lender for a lower rate; it costs nothing and a good repayment record helps. Compare your rate with the market, because a refinance can more than cancel a rise (the refinance savings calculator shows the saving after costs).

Keep savings in an offset, which reduces the interest the rise is charged on. If certainty matters, read should I fix my mortgage now before choosing a fixed or split loan, and if the repayment is already tight, the guide to mortgage stress sets out the options while you still have them.

Why does the calculator show your rate plus 3%?

A new lender tests your repayments at its rate plus a 3% buffer set by the banking regulator.

  • The testOn $600,000 at 6% over 30 years, a new lender tests a repayment of about $4,828 a month, not $3,597.
  • What it tells youRoughly the size of rise your budget was tested for when the loan was approved, if your lender used the same buffer.
  • When it mattersRefinancing: after several rises, your income must still cover the new lender’s test rate.
  • The sourceAPRA has kept the buffer at 3 percentage points since October 2021 and confirmed it again in 2026.

Common questions about rate rises

How much does a 0.25% rate rise add to a mortgage?

About $97 a month on $600,000 with 30 years left at 6%, $81 on $500,000 and $162 on $1 million.

How much does a 0.50% rise add?

About $195 a month on $600,000, or $2,341 a year, with 30 years left at 6%.

Do rate rises affect fixed loans?

Not until the fixed term ends. The loan then rolls onto the lender’s variable rate, which reflects any rises in the meantime.

Does my repayment change straight away?

Not usually. Lenders choose an effective date, commonly a few weeks after a Reserve Bank decision, and tell you the new repayment in writing.

Does the calculator include an offset account?

No. Money in an offset reduces the balance interest is charged on, so it softens a rise in the same way on every loan.

See what a move does to the whole loan with the repayments calculator, or read what the RBA cash rate means for your loan.

Check the estimate with a broker

Charles can check whether a better rate, a refinance or a split loan would soften the next rise, using your own loan figures.

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Charles Touma, mortgage broker at Links Property Finance
Reviewed by Charles Touma Director & Mortgage Broker · MFAA member · Credit Representative 579003 under ACL 389328 About Charles · The RBA cash rate · MFAA register · ASIC register · Complaints processEvery page is reviewed by Charles before it is published and checked against current lender policy and the official scheme pages linked where figures appear.

General information only, not credit advice. Figures assume principal and interest at a constant rate and are not a quote.