Two rises in six weeks. What is it costing you?

The RBA has moved twice since February and more rises are forecast. Use the calculator to see your exact monthly impact, then find out if you can do better across 40+ lenders.

$256
extra every month on a $550,000 mortgage if rates rise 3 more times this year — on top of what you’re already paying.
Your mortgage impact calculator

See your exact repayment impact

The RBA now meets 8 times a year; decisions can land any month. Move the sliders to your situation and see what further rises mean for your budget.

$550,000
3 rises
25 years
Per rise
$85
extra/month
Total monthly impact
$256
extra/month
Extra over 12 months
$3,076
per year
Potential savings if you refinance ~$172/month
 

*Based on a principal & interest loan at the current average variable rate of 6.0% (reflecting February and March 2026 RBA hikes). Indicative only - actual impact depends on your lender and loan structure.

**Based on the RBA's normal operating procedure for rate rises.

Is it worth reviewing?

Four signals your loan may be working against you

Last reviewed

 🚩 6+ months ago

On the lender’s standard rate

🚩 Loyalty tax: 0.30–0.50% extra

Fixed rate expiry approaching

🚩 Revert rate is usually the highest

Offset account in use

✅ Key tool for reducing interest

 How PictureWealth can help

One review. Real money back in your pocket.

Recent client result
 6 
 years cut off their loan term
$65K
saved in interest

Just by reviewing their existing setup. No new loan. No drama. 

40+

Lenders compared

We shop the whole market — not just your bank.

0 expensive surprises 

Total cost analysis

Every switching cost laid bare, so you know it actually pays.

3 options

Smart strategies

Restructure, consolidate, or offset, not just refinance.