Mortgage Repayments at 4.50%
Monthly repayments at a 4.50% cash rate (7.00% variable with 2.5% margin). That's 65bp above the current rate.
Monthly repayments (30-year P&I)
| Loan size | Current (3.85%) | At 4.50% | Change |
|---|---|---|---|
| $300,000 | $1,867/mo | $1,996/mo | +$129/mo |
| $500,000 | $3,111/mo | $3,327/mo | +$215/mo |
| $750,000 | $4,667/mo | $4,990/mo | +$323/mo |
| $1,000,000 | $6,222/mo | $6,653/mo | +$431/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.