See what a rate rise would do to your payment
This tool takes the balance, term and rate you're paying now and shows what your monthly payment could become if your rate moves higher once your fixed deal ends. It works from the figures you enter, not any lender's actual pricing, so treat the result as a starting point rather than a quote.
How to use the Variable Rate Stress Test to see what a rate rise would cost you
This tool shows what your monthly payment could look like if your rate moves higher, whether that's your lender's Standard Variable Rate (SVR) or a fixed deal at a different level. It's built for anyone whose fixed-rate deal is ending within the next few months and wants a number before talking to a lender or broker. You enter your own balance, term and rate, and this guide walks through what to put in and how to read the result.
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Enter your mortgage details
Enter your outstanding balance, remaining term and current interest rate, so the calculator has the figures it needs.
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Choose a rate to test
Choose the rate you want to test, such as a possible SVR figure or a higher fixed rate, to see how the payment changes.
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Read your result
Compare the new monthly repayment against your current one and decide what to do next, such as speaking to a broker.
Current Payment
If Rates Rise by 2%
Extra £0 per month
See what a rate rise would do to your payments
This calculator takes your outstanding balance, remaining term and current repayment, and shows what they'd look like at a higher rate. It's built for anyone whose fixed-rate deal is ending and wondering how much room a move to a variable rate would leave in the budget. The result is an illustrative estimate based on what you enter, not a quote from any lender.
No account needed · Free to use · Illustrative only
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