Scenario count
5 AusTax Loan Tools Stage 2 of 4: Stress
Mortgage stress test calculator (rate scenarios, not live rates)
Model repayment risk with rate ranges and downside assumptions instead of treating a headline rate as stable.
Rate movement readout
Lowest repayment
$3,844Highest repayment
$4,752Repayment delta
$908Mortgage rates today scenario table
Use as stress-test planning, not live lender quote.
5.20% p.a.
$3,844Total interest $683,759Estimated payoff 30.00 yrs5.70% p.a.
$4,063Total interest $762,609Estimated payoff 30.00 yrs6.20% p.a.
$4,287Total interest $843,422Estimated payoff 30.08 yrs6.70% p.a.
$4,517Total interest $926,101Estimated payoff 30.00 yrs7.20% p.a.
$4,752Total interest $1,010,546Estimated payoff 30.00 yrs| Rate (% p.a.) | Repayment / period | Total interest | Payoff (years) |
|---|---|---|---|
| 5.20% | $3,844 | $683,759 | 30.00 yrs |
| 5.70% | $4,063 | $762,609 | 30.00 yrs |
| 6.20% | $4,287 | $843,422 | 30.08 yrs |
| 6.70% | $4,517 | $926,101 | 30.00 yrs |
| 7.20% | $4,752 | $1,010,546 | 30.00 yrs |
Reset the anchor
One headline rate is not a plan. Use the range to see how fragile or resilient the loan looks once rates move against you.
Watch the break point
The useful moment is where a small rate move starts forcing trade-offs. That break point matters more than any single repayment figure.
Decide before pressure arrives
If the scenario table already looks tight, the fix is usually a smaller loan or a different budget, not hoping rates stay put.
Decision thresholds to use immediately
Green zone
Repayment increase under +1% stays manageable without cutting essentials.
Amber zone
+1% is manageable but +2% requires lifestyle trade-offs. Keep buffer and avoid max borrowing.
Red zone
+1% already strains monthly cashflow. Rework loan size, term, or property budget before proceeding.
Use the result differently for buyers and refinancers
Buyer next step
If the stress test still works, move back into repayment and borrowing range checks before you narrow the shortlist.
Open repayment baselineRefinance next step
If the stress test still works, compare quote quality and feature trade-offs instead of stopping at the rate number.
Open quote comparisonFrom scenario to action
After stress testing, evaluate quote quality with the same discipline.
Move to quote scoring only after your rate assumptions are survivable under downside scenarios.
Open quote decision canvasRelated Mortgage tools
FAQs
Does this page show live lender rates today?
No. This page runs scenario ranges for planning. It does not fetch real-time lender feeds.
How should I use mortgage rates today in decision making?
Use base, +1%, and +2% scenarios to confirm repayment resilience before committing to a quote or property budget.
Why model rates as a range instead of one assumption?
A range shows sensitivity and reduces overconfidence. Borrowers can see how small rate moves change cashflow and long-term interest.