Rate moves, by the basis point.
What ±0.25% to ±1.00% does to your repayment. Useful before an RBA meeting, or when stress-testing a loan you’re about to take on.
Your loan
$
%
years
The RBA typically moves in 25 bp increments. A 50 bp move in a single decision is rare but has happened in tightening cycles (e.g., 2022).
Current monthly repayment
$4,493
If +0.50%
+$231/mo
If −0.50%
−$226/mo
Annual range
$-2,710 ⇄ +$2,773
Monthly repayment at each rate
SponsoredBrokers can push for rate matches when your bank lags an RBA cut.
Talk to a brokerFull impact table
| RBA move | New rate | Monthly repayment | Δ monthly | Δ annual |
|---|---|---|---|---|
| -100 bps | 5.14% | $4,046 | $-446 | $-5,355 |
| -75 bps | 5.39% | $4,156 | $-337 | $-4,041 |
| -50 bps | 5.64% | $4,267 | $-226 | $-2,710 |
| -25 bps | 5.89% | $4,379 | $-114 | $-1,363 |
| No change | 6.14% | $4,493 | — | — |
| +25 bps | 6.39% | $4,608 | +$115 | +$1,379 |
| +50 bps | 6.64% | $4,724 | +$231 | +$2,773 |
| +75 bps | 6.89% | $4,841 | +$348 | +$4,182 |
| +100 bps | 7.14% | $4,960 | +$467 | +$5,605 |