Tools

Interest rate sensitivity. What a rate move costs you.

Adjust your loan and rates to see the change in repayments and cash flow as you go.

Your loan

Loan amount $600,000

$100k $3M

Loan term 25 years

5 years 30 years

Weekly rent $650/wk

$200 $3,000

Repayments

Rates

Current rate 6.25%

1% 12%

Scenario rate 6.50%

1% 12%

6.25% 6.50% +0.25% Latest RBA rise

Your repayments rise by

$93 a month

That's $1,119 a year.

Now Scenario Monthly repayment $3,958 $4,051 Monthly cash flow −$1,141 −$1,235

How much of your repayment the rent covers

Now 71%

Scenario 70%

$650 a week is $2,817 a month, before tax, fees and expenses.

Estimates only and not financial advice. Results exclude tax, property management fees, maintenance and other costs. Speak with a qualified financial adviser before making investment decisions.

You can't control rates. You can control your rent.

Proactive management keeps vacancy low and rent at market, whatever the cash rate does.

Get started More tools