Offset Calculator

Our offset calculator allows you to calculate how much interest you could save on your home loan by keeping savings in your offset account.

Low rates and fees

Read our guide to learn how mortgage repayments work, how much they will be and how you might be able to save.

Our guide covers the most essential information you need for refinancing home loans.

Read our first home buyers guide to understand how the home buying process works.

Your home loan deposit determines what loan you qualify for and what property you can afford.

An offset account gets set up at the point your home loan settles. The offset account is a separate sub-account to your loan account.
The offset account acts like a transactional account. You can keep a money balance in this account and make payments.
Interest on your home loan gets calculated daily and is offset by the balance in your offset account. For example, if your loan is $250,000 and you have $5,000 in your offset account, then interest is calculated on $245,000.
You can set up your loan repayments to be made out of your offset account.
As time progresses, the offset account helps you minimise the amount of interest you pay and pay off your loan faster!

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