✅ Fact checked
|
🗓️ Updated: April 2026
|
✍️ FinSight Editorial Team
|
⚡ Free to use — no signup required
RBA Cash Rate: 4.10% • Updated April 2026
Rate Rise Impact Calculator
See exactly how much your repayments change with each RBA rate move. Works for rate rises and rate cuts.
Current repayment
New repayment
Annual impact
Total loan impact
Old total interest
New total interest
How Does the RBA Cash Rate Affect My Home Loan?
When the RBA changes the cash rate, banks typically pass on the full change to variable rate home loans within days. A 0.25% increase on a $600,000 loan adds approximately $94/month. Multiple rate changes compound — the 13 increases from May 2022 to November 2023 added over $1,200/month for the average Australian borrower.
Fixed rate loans are not affected immediately — but when your fixed period ends and you roll to variable, you face the current market rate. If you fixed at 2% in 2021 and your term expired in 2024, you moved to rates above 6% — a massive jump.
Disclaimer: This calculator provides estimates only. Your actual repayment change depends on your specific loan terms, lender, and any fees. Always confirm with your lender.