Mortgage rates have been at record lows since the global financial crisis, but it can't forever.
"The Reserve Bank has indicated it would like to increase capital requirements for banks, which means funding costs for banks are likely to increase," economist Christina Leung told The AM Show on Friday.
"If they were to fully pass on these costs, we're likely to see retail mortgage rates rise over the coming years."
But how fast will they rise? And when?
Watch the full interview.