Important Simulator Information: This tool compares a fixed-interest loan with a hypothetical variable-interest loan scenario based on the rate changes you define. Actual future movements of variable interest rates are unpredictable and cannot be guaranteed by this simulator. The variable-rate loan results are for illustrative and comparative purposes only. Real-world variable loan payments and total costs could be significantly different. This tool does not constitute financial advice. Always consult with lenders for specific product details and a financial advisor for personalized guidance.