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What if mortgage rates go up? How to cope with rising home loan costs

Rising mortgage rates can be difficult to deal with but there are ways you can make it easier

Ben Tutty
Last updated: 6 August 2025 | 4 min read

How to cope with rising interest rates

Find out what your new rate and repayment amount will be

Understand and control your spending

Restructing your loan can make repayments easier.

Restructure your loan

Try interest only or take a mortgage holiday

There is help available if you're struggling with your mortgage.

Get help when you need it

When will interest rates go down?

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Ben Tutty Ben Tutty