Rates move. This shows what a rise would do to your payments — and, more usefully, how much cushion you've got before it would start to feel tight. It's about knowing your headroom, not scaring you.
🔑 Free · built by a UK chartered surveyor (MRICS) · on the buyer's side
Your mortgage
Your budget so we can find your cushion
Combined, if you're buying with someone. Leave 0 to just see the payment changes.
Energy, council tax, water, insurance, upkeep — roughly. So we cost the whole home, not just the mortgage.
The stress test
If your rate rose by…+2.0%
0%+3%+6%
Also assume bills rise 15% (cost-of-living stress)
TODAY
—
total home cost / month
Mortgage—
Bills—
Of take-home—
IF RATES RISE
—
total home cost / month
Mortgage—
Bills—
Of take-home—
Your cushion
—
The rate at which it would start to feel tight.
The honest read
—
Fill in your numbers to see how much headroom you've got.
Your monthly payment as rates rise
Where the line meets the shaded zone is where it gets tight.
In plain English—
Save your stress test
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Built by a UK chartered surveyor (MRICS). Free, and only ever on the buyer's side.
This is information to help you plan — not financial or mortgage advice. The "cushion" uses rough rules of thumb, not a lender's assessment, and everyone's circumstances differ. If money worries are weighing on you, a free, impartial adviser at MoneyHelper (gov-backed) can talk it through.