All scenarios
What happens to your mortgage
What happens to your mortgage
if rates rise 1%?
Your bank won't model it for you. Ahead will, in about a minute, using your real repayments and cashflow.
What happens to us if our rate goes up 1%?
Ahead
On a $640,000 loan at 6.1%, a 1% rise adds about $390 a month to your repayments. Here's where that lands in your budget:
- Your spare cash after bills drops from about $1,180 to about $790 a month.
- You stay positive every month, but the gap above your cash warning line thins from about $1,100 to about $700.
- Toggle a $200 cut to non-essential spend and you can watch the buffer rebuild on the forecast.
Repayment impact
+$390 / mo
What Ahead looked at
Your actual loan balance and rate
Real repayment and offset history
Recurring bills and income
Your buffer target and cash warning line
Worked example. Figures are illustrative estimates, built from sample data to show how Ahead models a scenario. In the app, every figure comes from your own data and assumptions you can edit. Ahead shows you information, not financial or tax advice, and it doesn't recommend products.
What you can count on
- Your bank data is shared read-only under Australia's Consumer Data Right (CDR).
- Ahead is a CDR Representative of Fiskil, an ACCC-accredited CDR principal.
- Hosted in Australia (Sydney). Your data never leaves the country.
- We can't touch your money.
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- No ads. No data sold to anyone.
Now ask it about your money.
Connect your bank read-only and model this against your real numbers in about 60 seconds.