If rates move, can your portfolio still service?
See your repayment and debt-service ratio at current rates and across five rate-rise scenarios — including the APRA assessment floor. For general information only.
This is general information only and an indicative estimate. Not credit assistance, a loan offer, or a quote. Figures are estimates and may differ from a lender's assessment.
Your loan position
Important information
This is general information only and an indicative estimate, not credit assistance, a loan offer, or a quote. Figures are estimates and may differ from a lender's assessment. Consider your circumstances and seek advice before acting.
The debt-service ratio benchmarks (comfortable / manageable / stretched / stressed) are illustrative only. Lenders apply their own serviceability policies and credit assessment criteria, which vary significantly. The APRA assessment rate shown is a simplified illustration of the buffer requirement (actual rate plus 3%, floor of 9%) and does not represent any individual lender's assessment methodology.
LenderBridge is pursuing its credit licence pathway. Nothing here is, or should be taken as, licensed credit assistance.
Understanding rate sensitivity and serviceability
When interest rates rise, so does your monthly repayment — and the question is whether your income can still comfortably cover the total cost. This tool runs your loan balance through six scenarios to show how your repayment and debt-service ratio change at each rate level, including the floor lenders use under APRA's serviceability buffer rules.
Common questions
What is the APRA serviceability buffer?
APRA requires lenders to assess borrowers at their actual rate plus a 3% buffer, with a floor of 9%. This stress test illustrates how your debt-service ratio holds up at that assessment rate.
What is a debt-service ratio (DSR)?
Your DSR is the percentage of gross monthly income that goes towards total loan repayments and living expenses. Most lenders become uncomfortable above 45–50%, though their own policies vary.
What does the verdict mean?
The verdicts — comfortable, manageable, stretched, stressed — are general benchmarks based on the debt-service ratio at each rate scenario. They are indicative only; lenders apply their own policies and credit assessments.
General information only. This is not credit assistance, a credit quote or an offer of finance, and the figures are indicative estimates — confirm with a lender before you rely on them.