The cash rate is now 4.60%. What does that mean for your loan?
The Reserve Bank has lifted rates four times this year. Use these tools to see what it’s costing you, whether a better rate would help, and how your budget holds up if rates keep climbing. When you’re ready, we’ll check your loan against over 300 products from our lender panel.
A two-minute check-up. Enter your loan details and answer four quick questions to see how the rate rises have hit your repayments and whether it’s time for a review.
Your loan
Four quick questions
Has your rate been reviewed in the last 12 months?
Does a fixed rate on your loan end in the next 12 months?
Are you paying an annual or package fee for features you don’t use?
Are your repayments harder to manage than a year ago?
Answer the four questions
Your check-up result will show here.
Found a lower rate, or been offered one? Compare it against your current loan, including the cost of switching, to see if the move actually pays off and how quickly.
Your loan
Current loan
New loan
Discharge, application, valuation and government fees
Any lender incentive
| Current | New | |
|---|---|---|
| Repayment (month) | – | – |
| Total interest, rest of loan | – | – |
Net position = repayment savings + fee savings − switching costs + cashback. Assumes both rates stay the same.
Add what comes in and what goes out, at whatever frequency suits each item. Everything is converted to monthly, and the stress test shows how much room you’d have left if rates keep rising. Your figures stay on this device.
Rate rise stress test
| If rates rise | Extra / month | Left over |
|---|
Are you feeling stressed about your home loan?
Four rate rises in one year is a lot to absorb. If your repayments are keeping you up at night, you’re far from alone, and there’s a lot you can do.
This isn’t forever
Today’s rates feel heavy, but they won’t stay here for good. Tough stretches pass, and the decisions you make now can help you come through in a stronger position.
Rates move in cycles
Interest rates have always gone up and come back down. They rose through 2022 and 2023, were cut in 2025, and are rising again now. The rate you have today isn’t the rate you’ll have for the life of your loan.
How you’re feeling is valid
Money worries are real worries. Feeling anxious, frustrated or overwhelmed is a normal response to rising costs. It doesn’t mean you’ve done anything wrong.
Knowing your situation puts you back in control
It’s better to be open, get familiar with your numbers and understand your options than to avoid them. The tools above are a good first step, and talking early gives you far more choices than waiting.
Free, confidential financial counselling is also available through the National Debt Helpline on 1800 007 007. If stress is affecting your wellbeing, you can reach Beyond Blue on 1300 22 4636 or Lifeline on 13 11 14.
General information only. These calculators give estimates based on the figures you enter and assume rates stay constant unless stated. They don’t take into account your objectives, financial situation or needs, and aren’t a credit assessment, quote or offer of credit. Lender fees, rates and eligibility criteria vary. Speak with us before making any decision about your loan.
Total Home Loan Options, Australian Credit Licence 517191. Port Augusta, South Australia. Phone 1300 468 456, email admin@totalhomeloanoptions.com.au. Read our disclaimer and privacy policy.
Cash rate source: Reserve Bank of Australia, decision of 29 September 2026. Next RBA decision: 3 November 2026.
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Your figures from the tools are included automatically.