Mortgage Repayments at 5.25%
Monthly repayments at a 5.25% cash rate (7.75% variable with 2.5% margin). That's 90bp above the current rate.
Monthly repayments (30-year P&I)
| Loan size | Current (4.35%) | At 5.25% | Change |
|---|---|---|---|
| $300,000 | $1,966/mo | $2,149/mo | +$183/mo |
| $500,000 | $3,276/mo | $3,582/mo | +$306/mo |
| $750,000 | $4,914/mo | $5,373/mo | +$459/mo |
| $1,000,000 | $6,553/mo | $7,164/mo | +$612/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.