It is essential to assess the impact that an interest rate rise will have on your loan. Ask yourself whether you will realistically be able to afford your mortgage on your current income if the RBA increased interest rates.
You should be able to afford a rate rise of up to 2%, so a good tip is to add this rate to your current home loan and calculate whether you would be able to make these repayments.
If you can cover the rise then you will avoid falling behind with your mortgage.