Check This Date Before Your Payments Jump!

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Издатель Jan 8, 2026

Check This Date Before Your Payments Jump! | Real Estate Australia

Low repayments feel great until your bank lifts your monthly bill. That jump is repayment shock, and it often hits when an Interest Only loan flips to Principal and Interest. I have seen families scramble for hundreds more each month, sometimes over $800, and some are even forced to sell.

Do this now (5-minute plan):
1. Open your banking app and find your Interest Only end date.
2. Use your bank’s calculator to estimate your new P&I repayment.
3. Set a weekly transfer to your offset account. Target a buffer worth at least three months of the higher repayment.
4. Add a calendar reminder 90 days before the flip so you have time to adjust.
5. Stress test for 60 days by paying the difference into your offset to make sure your budget works.

Pro tips:
- If the numbers look tight, talk to your lender or broker early about options such as splitting the loan or extending IO where appropriate.
- Review discretionary spending now so the buffer grows faster.

Comment READY if you set your transfer today, then watch the full breakdown here: https://yt.oia.bio/IOvsPI
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