A line graph shows the interest rates for first- and second-year mortgages from 2019 to 2023, as well as dots indicating the serviceability rates periodically tested by major banks. It shows rates around 4% in June 2019, dipping to lowes near 2% in 2020, and then increasing again to more than 6% in 2023. Rates are now above most serviceability tests from 2021.