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Home Loan Offset Calculator

Ready For The Next Step?

Compare Home Loans.

Rates from % p.a. Comparison Rate % p.a.

Instantly check your eligibility with over 50 lenders online.

Helpful Resources

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About our Home Loan Offset Calculator

1. Enter your loan amount, interest rate, and loan term.
2. Input your offset account balance.
3. See how much interest you could save and how much sooner you could be mortgage-free.

An offset account is a transaction account linked to your home loan. Instead of earning interest, the money in this account reduces the balance on which interest is calculated.

For example:

• Loan Balance – $400,000
• Offset Account Balance – $50,000
• Interest is charged on – $350,000 instead of $400,000

Benefits of an Offset Account

• Save on Interest – Reduce your mortgage interest without making extra repayments.
• Pay Off Your Home Loan Faster – A lower interest bill means more of your repayment goes to the principal.
• Flexible Access to Funds – Unlike extra repayments, money in an offset account is still available when you need it.

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