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NextHouse

Mortgage
Stress Test

Find out exactly how much more you'd pay if rates rise — and whether your budget can handle it.

Rate Shock Scenario
Repayment Lift
Risk Gauge
Buffer Insights
RBA cash rate: 4.10%  ·  Next decision: May 2025  ·  Market pricing: 1–2 cuts expected this year
Your Loan
Current Loan Balance
$
Years Remaining
Current Interest Rate
% p.a.
Gross Annual Income
$
Test Rate Scenario
8.0%
Test interest rate per annum
7%7.5%8%8.5%9%
Current Repayment
$3,939
per month at 6.2%
At 8.0%
$4,631
+$691/month
NextHouse.com.au provides general property information and educational tools only. Nothing on this website constitutes financial product advice, credit assistance, legal advice, or taxation advice within the meaning of the Corporations Act 2001 or the National Consumer Credit Protection Act 2009. NextHouse Pty Ltd does not hold an Australian Financial Services Licence (AFSL) or Australian Credit Licence (ACL). RBA rate history sourced from the Reserve Bank of Australia. Repayment calculations assume principal and interest on the loan term entered. Always seek independent advice from a licensed mortgage broker or financial adviser before making property or financial decisions.
© 2026 NextHouse Pty Ltd · nexthouse.com.au · Last updated: April 2026