Mortgage Rate Stress Test

This tool models what happens to your monthly payment if your interest rate rises - and whether your household budget still works at that higher level. It helps you check resilience before you commit to a mortgage, rather than discovering a tight margin when rates change.

How rate rises affect monthly payments

Even a 1% rate increase adds meaningfully to monthly costs on a typical UK mortgage.

Testing against common shock scenarios

The tool runs standard stress scenarios as well as a custom rate of your choice.

What to do if the test shows a problem

Options include a smaller mortgage, a longer term to reduce payments, or a larger buffer.