Interest Rate Change Explainer

When rates move, your inbox fills with client questions. This prompt generates a clear, jargon-free explanation you can send as an email, post on social media, or use in client conversations. It translates rate changes into actual dollar impact.

The Prompt

Write a client-facing explanation of a recent interest rate change.

Rate Change: [e.g., Bank of Canada cut by 0.25%, Fed held rates steady, 5-year fixed dropped from 5.2% to 4.9%]
Date of Change: [DATE]
Previous Rate: [OLD RATE]
New Rate: [NEW RATE]
Direction: [INCREASE / DECREASE / HOLD]
Context: [Why did this happen? e.g., inflation cooling, employment data, central bank statement]

Show the payment impact using these example scenarios:
- Home Price: [PRICE 1, e.g., $400,000] with [DOWN PAYMENT %] down
- Home Price: [PRICE 2, e.g., $650,000] with [DOWN PAYMENT %] down
- Home Price: [PRICE 3, e.g., $900,000] with [DOWN PAYMENT %] down

Write 200-300 words. Include:
1. What happened (one sentence, plain English)
2. Why it happened (2-3 sentences of context)
3. Payment impact table showing monthly payment at old rate vs. new rate for each price point
4. What this means for buyers (should they act now or wait?)
5. What this means for sellers (how does this affect demand?)
6. What this means for homeowners with variable rates or renewals coming up

No financial jargon. No hedging with "consult your advisor" disclaimers in every sentence - one disclaimer at the end is fine. Be direct about what the change means practically.

How to Use It

• Update the price points to match your actual market. A $400K example is useless if your average home sells for $1.2M.
• Send this within 24 hours of the rate announcement for maximum relevance.
• Pair with a “Want me to run your specific numbers?” call-to-action for lead generation.
• Adjust the tone for your audience - investors want data, first-time buyers want reassurance.

Example Output

The AI will generate a concise explainer with a clear headline, a simple before/after payment comparison table, and separate takeaways for buyers, sellers, and current homeowners. It reads like a smart briefing, not a textbook chapter.