Free calculator

Repayment stress test

See what your loan repayment would be if the rate rose by 1, 2 or 3 percentage points, and whether it still fits your budget.

Worked out only in your browser; nothing is sent or saved. We do not publish rates or fees: use the ones from your own quote.

For example 500,000

From your loan or quote

The most you could pay each month

What these numbers mean
  • The big number is your monthly repayment if your rate rose by 3 percentage points.
  • More than today shows how much extra each rise adds to every repayment.
  • Fits budget compares each repayment with the budget you entered. See serviceability.

Good to know

  • Repayments are monthly principal and interest over the full term, worked out fresh at each rate.
  • Rates can move by more or less than shown, and fees are not included.
  • This is a guide only, not a quote, an offer of finance, a borrowing limit or financial, legal or tax advice.

Ask us about a property loan Repayment calculator Fixed vs variable

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