The official cash rate has gone up eight times this year, but it hasn't increased Felix and Georgia Daniels's mortgage repayments at all.
Like many borrowers, they locked in an ultra-low fixed rate last year on their $600,000 mortgage.
However, they are worried about how they will afford an extra $1,000 a month, or more, on their repayments when their fixed-rate term comes to an end next year.
