Mortgage Repayments at 3.25%
Monthly repayments at a 3.25% cash rate (5.75% variable with 2.5% margin). That's 85bp below the current rate.
Monthly repayments (30-year P&I)
| Loan size | Current (4.10%) | At 3.25% | Change |
|---|---|---|---|
| $300,000 | $1,916/mo | $1,751/mo | -$165/mo |
| $500,000 | $3,193/mo | $2,918/mo | -$275/mo |
| $750,000 | $4,790/mo | $4,377/mo | -$413/mo |
| $1,000,000 | $6,387/mo | $5,836/mo | -$551/mo |
How this is calculated
Repayments are calculated using standard principal and interest amortisation over 30 years. The variable rate assumes a 2.5% margin above the cash rate, which is typical for major Australian lenders.
Your actual repayments may differ based on your loan's margin, features (offset, redraw), and whether you have a fixed-rate period. Use the full mortgage calculator on the homepage for more detail.