--- title: "How much does a rate rise add to mortgage repayments? — C..." description: "A 0.25 percentage point rate rise adds $116 a month to repayments on the average Australian mortgage of $736,000. See the impact by loan size, state, and borrow" lang: en-AU json-ld: | { "@context": "https://schema.org", "@type": "Article", "headline": "How much does a rate rise add to mortgage repayments?", "description": "A 0.25 percentage point rate rise adds $116 a month to repayments on the average Australian mortgage of $736,000. See the impact by loan size, state, and borrower type.", "image": [ "https://plus.unsplash.com/premium_photo-1661771671323-c639a299f3b2?q=80&w=1033&auto=format&fit=crop&ixlib=rb-4.1.0&ixid=M3wxMjA3fDB8MHxwaG90by1wYWdlfHx8fGVufDB8fHx8fA%3D%3D" ], "datePublished": "2026-06-08T00:00:00+00:00", "dateModified": "2026-07-02T05:03:48.474514+00:00", "author": { "@type": "Organization", "name": "CheckRate" }, "publisher": { "@type": "Organization", "name": "CheckRate" }, "mainEntityOfPage": { "@type": "WebPage", "@id": "https://checkrate.com.au/rate-rise-mortgage-repayments" } } --- [CheckRate ](/) [Library](/articles) Back Housing # How much does a rate rise add to mortgage repayments? A 0.25 percentage point rate rise adds $116 a month to repayments on the average Australian mortgage of $736,000. See the impact by loan size, state, and borrower type. 8 min read 08 June 2026 Updated 02 July 2026 Fact checked In this article 1. [What does the average Australian mortgage cost?](#what-does-the-average-australian-mortgage-cost) 2. [How interest rate rises affect mortgage repayments](#how-interest-rate-rises-affect-mortgage-repayments) 3. [Mortgage repayment increases by rate-rise size](#mortgage-repayment-increases-by-rate-rise-size) 4. [What a 0.50% rate rise adds to repayments](#what-a-050-rate-rise-adds-to-repayments) 5. [What a 1% rate rise adds to repayments](#what-a-1-rate-rise-adds-to-repayments) 6. [How loan size changes the cost of a mortgage rate rise](#how-loan-size-changes-the-cost-of-a-mortgage-rate-rise) 7. [How mortgage rate-rise costs differ by state](#how-mortgage-rate-rise-costs-differ-by-state) 8. [How rate rises affect first-home buyers](#how-rate-rises-affect-first-home-buyers) 9. [Mortgage repayment sensitivity has increased since 2019](#mortgage-repayment-sensitivity-has-increased-since-2019) 10. [Mortgage rate-rise calculator and quick reference](#mortgage-rate-rise-calculator-and-quick-reference) Key findings at a glance +$116/mo What a **0.25 percentage point rise** adds on the Dec-quarter 2025 average loan of $736,000 +$233/mo The monthly cost of a **0.50 point rise** on the national average new loan +$471/mo A full **1 percentage point rise** equals **$5,652 over a year** $736k National **average new owner-occupier loan**, December quarter 2025 Section 01 Average repayment ## What does the average Australian mortgage cost? The average new owner-occupier mortgage in Australia costs about **$4,253 a month** in scheduled repayments, based on the December quarter 2025 national average loan size of $736,000, an interest rate of 5.66%, and a 30-year principal-and-interest term. In weekly terms, that works out to $981. Over a full year, it equals **$51,039.** Monthly repayment $4,253 Dec Q 2025 · 5.66% rate · 30-yr P&I Weekly repayment $981 Dec Q 2025 · 5.66% rate · 30-yr P&I Yearly repayment $51,039 Dec Q 2025 · 5.66% rate · 30-yr P&I Even after adjusting for inflation, repayments are materially higher. In real terms, the annual cost of the 2025 average loan is $49,524 in Q1 2026 dollars, up from $30,612 in 2019, a 62% real increase. The nominal figure rose by more than 100%, but that measure also captures the effect of rising prices across the economy. Both measures show that repayments on the average new loan are much higher than they were six years earlier. Average yearly mortgage repayment in Australia, 2019 to 2025 Annual average new owner-occupier loan size and modelled repayments · 30-year P&I term Year Avg loan Rate Monthly Yearly Monthly (real) Yearly (real) 2019 $456,000 3.33% $2,005 $24,060 $2,551 $30,612 2020 $495,000 2.74% $2,019 $24,228 $2,546 $30,552 2021 $552,000 2.36% $2,140 $25,680 $2,625 $31,500 2022 $603,000 3.46% $2,693 $32,316 $3,098 $37,176 2023 $594,000 5.70% $3,449 $41,388 $3,757 $45,084 2024 $638,000 6.20% $3,906 $46,872 $4,124 $49,488 2025 $693,000 5.69% $4,019 $48,228 $4,127 $49,524 Annual average loan and rate data, modelled on a 30-year P&I term. Real figures adjusted to Q1 2026 dollars using ABS CPI. **Source:** ABS Lending Indicators; RBA Lenders' Interest Rates (F6); ABS Consumer Price Index. ![CheckRate](/__l5e/assets-v1/7bc4597d-01a6-41ce-b2ee-e3271c8e8b60/checkrate-logo.png) The largest increase occurred between 2021 and 2023, when the annual repayment rose from $25,680 to $41,388. That reflects the combined effect of larger average loan sizes and higher interest rates over the period. By 2024, the annual repayment had climbed to $46,872, before easing slightly in rate terms in 2025 while average loan sizes continued to rise. Section 02 How it works ## How interest rate rises affect mortgage repayments 01 The RBA cash rate influences borrowing costs The Reserve Bank of Australia (RBA) sets the cash rate, which is the official interest rate that influences borrowing costs across the economy. When the cash rate rises, borrowing can become more expensive across the financial system, including for banks, lenders and mortgage holders. 02 Variable home loan rates can rise after RBA decisions After an RBA cash rate increase, banks and lenders may raise variable home loan rates. In Australia, many mortgage holders have variable-rate loans, so cash rate changes can flow through to scheduled repayments more quickly than for fixed-rate loans. 03 Higher rates increase scheduled monthly repayments Most home loans are structured so the debt is repaid over a set loan term, often 30 years. When the interest rate rises, and the loan term stays the same, a higher repayment is needed to keep the loan on schedule. 04 Larger loans have larger dollar increases The same rate rise has a larger dollar impact on a larger loan balance. A 0.25 percentage point rise on a $900,000 loan adds more per month than the same rise on a $500,000 loan, even though the percentage-point change is identical. 05 Fixed-rate loans do not usually change immediately Fixed-rate home loan repayments do not usually change when the RBA moves the cash rate. However, when a fixed-rate term ends and the loan moves to a variable rate, the repayment may change based on the rate available at that time. Many borrowers who fixed at low rates in 2020 and 2021 moved onto higher rates when those fixed terms ended in 2023 and 2024. All repayment figures in this article show the immediate change in scheduled monthly repayments if the new rate is applied for the remaining loan term. The calculations use a standard 30-year principal-and-interest schedule and exclude offset balances, redraw facilities and lender-specific policies. Section 03 Rate-rise size ## Mortgage repayment increases by rate-rise size A larger rate rise creates a larger monthly repayment increase, but the dollar impact also depends on the size of the loan. On the December quarter 2025 national average new owner-occupier loan of $736,000, a 0.25 percentage point rise adds **$116 a month**, a 0.50 point rise adds **$233**, and a 1 percentage point rise adds **$471**. What does a 0.25% rate rise add to monthly repayments? On the 2025 annual average new owner-occupier loan of **$693,000**, a 0.25 percentage point rise adds **$109 a month**, or **$1,308 over the year**. Larger loans have higher dollar increases, while smaller loans have lower dollar increases. That $109 is 73% more than the $63 a quarter-point rise would have added in 2019, when the average loan was $456,000. The rate move itself is identical. The difference comes almost entirely from higher loan sizes over that period. The gap between states is significant. **In NSW, the same 0.25 percentage point rise adds $137 a month on an average new loan of $873,000. In Tasmania, where the average new loan is $504,000, it adds $79 a month.** That $58 difference comes down to loan size alone. Section 04 0.50% rise ## What a 0.50% rate rise adds to repayments What does a 0.50% rate rise add to monthly repayments? On the 2025 annual average loan of **$693,000**, a 0.50 percentage point rise adds **$219 a month**, or **$2,628 over the year**. That is roughly double the $109 from a 0.25-point rise. In NSW, the same 0.50 percentage point rise adds **$3,312 a year** on the average new loan of $873,000. That is $684 more per year than the national figure of $2,628, because of the difference in average loan size. A half-point rise is equivalent to two standard RBA moves in succession, or a single 50 basis point increase, as the RBA did in June 2022. The impact is not exactly double the 0.25-point figure, since interest compounds slightly as the rate rises. In practice, doubling the 0.25-point figure gives a close approximation. Section 05 1% rise ## What a 1% rate rise adds to repayments What does a 1% rate rise add to monthly repayments? On the 2025 annual average loan of **$693,000**, a 1 percentage point rise adds **$444 a month**, or **$5,328 over the year**. On a $1 million loan, a full percentage point rise adds **$641 a month**, or $7,692 over the year. The rate move is identical, but the larger loan balance pushes the dollar cost 44% higher than on the national average. Between May 2022 and November 2023, the RBA raised the cash rate from 0.10% to 4.35%, a total increase of 4.25 percentage points. As a sensitivity estimate, applying that full increase to the 2022 average loan of $603,000 would add around $1,480 a month if all rises took effect at once. $5,328 Annual cost of a 1 percentage point rate rise A **$693,000** loan at the February 2026 rate of 5.66% costs **$4,006 a month**. A 1 percentage point rise lifts that to about **$4,450 a month**, adding $5,328 over a full year. Section 06 By loan size ## How loan size changes the cost of a mortgage rate rise The dollar impact of a rate rise **increases with the loan balance**. Each additional $100,000 of principal adds roughly $16 to the monthly cost of a 0.25 percentage point rise, $32 for a 0.50 point rise, and $64 for a full percentage point. A $1.5 million loan has more than five times the monthly increase of a $300,000 loan from the same rate move. Monthly repayment increase by loan size Modelled at 5.66% (Feb 2026 RBA average) · 30-year P&I term +0.25%+0.50%+1.00% $693,000 is the 2025 annual average new owner-occupier loan. $873,000 is the NSW December quarter 2025 average. Base rate: 5.66% from RBA Lenders' Interest Rates, February 2026. **Source:** ABS Lending Indicators; RBA Lenders' Interest Rates (F6). ![CheckRate](/__l5e/assets-v1/7bc4597d-01a6-41ce-b2ee-e3271c8e8b60/checkrate-logo.png) Monthly repayment increase by loan size after a rate rise Modelled at 5.66% (RBA F6, February 2026) · 30-year P&I term Loan size Monthly repayment +0.25% +0.50% +1.00% $300,000 $1,734 +$48 +$96 +$194 $400,000 $2,311 +$64 +$128 +$259 $500,000 $2,889 +$80 +$160 +$324 $600,000 $3,467 +$95 +$192 +$389 $693,0002025 avg $4,005 +$110 +$222 +$449 $750,000 $4,334 +$119 +$240 +$486 $873,000NSW avg $5,045 +$139 +$279 +$565 $1,000,000 $5,779 +$159 +$320 +$648 $1,250,000 $7,223 +$199 +$400 +$809 $1,500,000 $8,668 +$239 +$480 +$971 $693,000 is the 2025 annual average new owner-occupier loan. $873,000 is the NSW Dec-quarter 2025 average. Base rate: 5.66% (RBA F6, Feb 2026). **Source:** ABS Lending Indicators; RBA Lenders' Interest Rates (F6). ![CheckRate](/__l5e/assets-v1/7bc4597d-01a6-41ce-b2ee-e3271c8e8b60/checkrate-logo.png) The relationship is close to linear. A $300,000 loan adds $47 a month from a 0.25 percentage point rise. A $600,000 loan adds $94, and a $1.5 million loan adds $236. The loan balance is the main driver of the dollar increase. Section 07 By state ## How mortgage rate-rise costs differ by state Rate rises have different dollar impacts across Australia because average new loan sizes vary widely by state. - **NSW** has the highest average new owner-occupier loan in the country at $873,000. A 0.25 percentage point rise adds $137 a month, the largest dollar impact of any state. - **Queensland** recorded the strongest annual loan growth at 15.9%, followed by Western Australia at 14.9% and South Australia at 13.6%. Higher average loan sizes increase the dollar impact of future rate changes. - **Tasmania** has the smallest average new loan at $504,000, and the lowest dollar impact from each rate-rise scenario nationally. The card grid below shows each state's monthly repayment increase under three scenarios. The table provides the full breakdown including loan size and year-on-year change. Monthly repayment increase by state Based on Dec-quarter 2025 average new owner-occupier loans at 5.66% base rate +0.25%+0.50%+1.00% NSW $873k loan +$139/mo YoY loan **+7.8%** QLD $736k loan +$117/mo YoY loan **+15.9%** WA $688k loan +$109/mo YoY loan **+14.9%** VIC $677k loan +$108/mo YoY loan **+7.1%** ACT $659k loan +$105/mo YoY loan **+1.4%** SA $658k loan +$105/mo YoY loan **+13.6%** NT $515k loan +$82/mo YoY loan **+10.8%** TAS $504k loan +$80/mo YoY loan **+6.3%** December quarter 2025 averages, seasonally unadjusted. Base rate 5.66%. **Source:** ABS Lending Indicators; RBA Lenders' Interest Rates (F6). ![CheckRate](/__l5e/assets-v1/7bc4597d-01a6-41ce-b2ee-e3271c8e8b60/checkrate-logo.png) Monthly repayment increase by state after a rate rise Dec-quarter 2025 average new owner-occupier loan · 5.66% base rate, 30-year P&I State Average new loan YoY change Monthly repayment +0.25% +0.50% +1.00% NSW $873,000 +7.8% $5,045 +$139 +$279 +$565 QLD $736,000 +15.9% $4,253 +$117 +$236 +$477 WA $688,000 +14.9% $3,976 +$109 +$220 +$446 VIC $677,000 +7.1% $3,912 +$108 +$217 +$438 ACT $659,000 +1.4% $3,808 +$105 +$211 +$427 SA $658,000 +13.6% $3,802 +$105 +$211 +$426 NT $515,000 +10.8% $2,976 +$82 +$165 +$334 TAS $504,000 +6.3% $2,912 +$80 +$161 +$326 Australia $736,000 +10.5% $4,253 +$117 +$236 +$477 Dec-quarter 2025 averages, seasonally unadjusted. Base rate 5.66% (Feb 2026), 30-year P&I. **Source:** ABS Lending Indicators; RBA Lenders' Interest Rates (F6). ![CheckRate](/__l5e/assets-v1/7bc4597d-01a6-41ce-b2ee-e3271c8e8b60/checkrate-logo.png) The ACT and SA have nearly identical average loans, at $659,000 and $658,000 respectively, **so the repayment impact is almost the same across all three scenarios**. The gap between NSW ($873,000) and Tasmania ($504,000) is $369,000, which translates to a $58 monthly difference from a **0.25 percentage point** rise and a $236 difference from a **1 percentage point** rise. Why do some figures look slightly different between sections? The **loan-size table** and state table both use the same base rate of **5.66%**, based on the February 2026 RBA average. The difference comes from the loan size used in each section. The loan-size table uses **$693,000** as the national average, based on the full 2025 calendar year. The state table uses **$736,000** as the national average, based on the December quarter 2025, which is the more recent snapshot. Both figures are accurate for their stated time periods. The $43,000 difference in loan size is why the monthly repayment figures differ slightly between sections. Section 08 First-home buyers ## How rate rises affect first-home buyers How do rate rises affect first-home buyers differently? First-home buyers borrow less on average than other owner-occupiers, so the same rate rise adds a smaller dollar amount to their repayments. In 2025, the average first-home buyer loan was **$568,000**, about $125,000 less than the all-owner-occupier average of $693,000. On a 0.25 percentage point rise, that gap means first-home buyers pay roughly **$19 less per month** than the broader borrower pool from the same rate move. First-home buyer sensitivity to rate rises has grown substantially. In 2019, a 0.25 percentage point rise added **$55 a month** to the typical first-home buyer repayment. By 2025, the same rise added **$90**, a 64% increase over six years. The increase reflects larger average first-home buyer loans, with interest rate movements adding a separate layer to repayment sensitivity. The chart below compares the monthly impact of a 0.25 percentage point rise for first-home buyers and all owner-occupiers from 2019 to 2025. In 2019, the difference between the two groups was about $8 a month. By 2025, it had grown to around $20, as average owner-occupier loan sizes increased faster than average first-home buyer loans over the period. Monthly impact of a 0.25% rate rise: all owner-occupiers vs first-home buyers Based on annual average loans for each year paired with that year's average new-loan P&I rate · 2019 to 2025 - All owner-occupiers - First-home buyers Monthly impact of a 0.25-point rise on each group's annual average loan. The gap between lines reflects loan size differences. **Source:** ABS Lending Indicators; RBA Lenders' Interest Rates (F6); ABS Consumer Price Index. ![CheckRate](/__l5e/assets-v1/7bc4597d-01a6-41ce-b2ee-e3271c8e8b60/checkrate-logo.png) Section 09 Since 2019 ## Mortgage repayment sensitivity has increased since 2019 A 0.25 percentage point rate rise now adds **$116 a month** on the December quarter 2025 average loan of $736,000, up 84% from the $63 it would have added in 2019 on the then-average loan of $456,000. The rate move is the same, but the dollar impact is higher because average loan balances have increased. Using the 2025 calendar-year average loan of $693,000, the same rise adds $110, slightly less than the December quarter figure because the calendar-year average is lower than the December quarter snapshot. Between May 2022 and November 2023, the RBA raised the cash rate by 4.25 percentage points in total. On the 2022 average loan of $603,000, that cumulative increase would have added around **$1,480 a month** to repayments if all rises had taken immediate effect. This is a sensitivity estimate, not the actual month-by-month repayment path for borrowers. The chart below shows how the monthly impact of a hypothetical 0.25 percentage point rise changed each year from 2019 to 2025. The bars increase over time even in years when average rates were lower, because average loan sizes were still rising. Monthly impact of a 0.25% rate rise on the national average loan, 2019 to 2025 Annual average owner-occupier loan sizes and average new-loan P&I rates · 2019 to 2025 Monthly impact of a **0.25 percentage point** rise on each year's annual average loan and rate, 30-year P&I. Rising bars reflect **larger average loan sizes**, not rate changes. **Source:** ABS Lending Indicators; RBA Lenders' Interest Rates (F6). ![CheckRate](/__l5e/assets-v1/7bc4597d-01a6-41ce-b2ee-e3271c8e8b60/checkrate-logo.png) Section 10 Calculator ## Mortgage rate-rise calculator and quick reference The calculator estimates repayment changes using a loan balance, current interest rate and selected rate-rise scenario. It is based on a standard 30-year principal-and-interest loan and shows the monthly, weekly and yearly repayment increase. Rate-rise repayment calculator Adjust the inputs below to model your own scenario Loan balance ($) $500kNat. avgNSW avg$1m Current interest rate (% p.a.) 5.00%5.66%6.00%6.50% Rate rise amount (pp) +0.25+0.50+1.00+2.00 Repayment impact · 30-year P&I Extra per month +$117 Before (monthly) $4,253 After (monthly) $4,370 Extra per week +$27 Extra per year +$1,405 Quick reference: monthly repayment increase by scenario Rate rise +0.25% +0.50% +1.00% On $500,000 +$80/mo +$160/mo +$324/mo On $693,000 (avg) +$110/mo +$222/mo +$449/mo On $736,000 (Dec Q) +$117/mo +$236/mo +$477/mo On $873,000 (NSW) +$139/mo +$279/mo +$565/mo On $1,000,000 +$159/mo +$320/mo +$648/mo Base rate 5.66% (February 2026), 30-year P&I. National average: December quarter 2025 ($736,000) and 2025 annual average ($693,000). ![CheckRate](/__l5e/assets-v1/7bc4597d-01a6-41ce-b2ee-e3271c8e8b60/checkrate-logo.png) Calculation note Figures are estimates based on a standard 30-year principal-and-interest loan. Headline and state figures use the December quarter 2025 national average new owner-occupier loan of $736,000 and the February 2026 rate of 5.66%. Historical comparisons use the 2025 calendar-year average loan of $693,000. The figures show the change in repayments if the rate rise applies immediately and remains in place. They exclude offset balances, redraw facilities, fees, lender policies, fixed-rate break costs and future rate changes. This is general information only, not financial advice. General information only This article is based on publicly available data from the Australian Bureau of Statistics and the Reserve Bank of Australia. It is general information only and does not constitute financial or consumer advice. It does not take into account individual loan terms, borrower circumstances, lender policies or future interest rate movements. ## References 1. 1. [ABS Lending Indicators (cat. no. 5601.0)](https://www.abs.gov.au/statistics/economy/finance/lending-indicators/dec-quarter-2025): New owner-occupier and first-home buyer housing loan commitments, December quarter 2025. State breakdowns seasonally unadjusted. 2. 2. [RBA Lenders' Interest Rates (F6 statistical table)](https://www.rba.gov.au/statistics/interest-rates/): Average interest rate on new owner-occupier variable principal-and-interest loans, February 2026. 3. 3. [ABS Consumer Price Index, Australia (cat. no. 6401.0), Table 17](https://www.abs.gov.au/statistics/economy/price-indexes-and-inflation/consumer-price-index-australia/mar-2026): All Groups CPI, Australia, quarterly. Used for CPI adjustment to Q1 2026 dollars. 4. 4. [Reserve Bank of Australia — Explainer: Monetary Policy](https://www.rba.gov.au/education/resources/explainers/what-is-monetary-policy.html): Describes the cash rate, its relationship to lending rates, and the inflation target. 5. 5. 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