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Use an offset account to save more on home loan repayments
Find out how much in interest you can save through the life of your loan using our Offset Calculator. By opting for an offset account, you can reduce your total loan repayments. How does this work? The offset account is linked to your mortgage and evens out the balance of your loan using your own savings, so you pay less interest on less principal.
Enter the loan amount, interest rate, and other details. Then enter the savings you will have in the Offset Account. The Offset Calculator will do the rest.
Curious about repayments on Principal and Interest (P&I) versus Interest Only? See our P&I / Interest Only Calculator.
Need a hand?
Remember, you can talk directly to one of our accredited Personal Finance Managers on 1300 REDUCE (733 823). They’ll answer any of your questions and you can even apply for a home loan on the spot.
Want a call back? Fill in a no-obligation enquiry form or speak to our live chat representatives and the next available Personal Finance Manager will call you back.
HOME LOAN CALCULATORS
Extra repayment calculator
Pay off your loan quicker with extra repayments. Find out how much quicker with this calculator.
how much can i borrow?
Find out how much you can expect our funders to lend you based on your income and living expenses.
With an offset account attached to your loan, you can reduce the amount of interest you pay.
Compare repayments between principal and interest, and interest only options, or find the total cost of these loans.
Purchasing a property? Find out how much stamp duty you’ll pay based on your state and purchase price.
Curious about your own budget? Calculate your finances and figure out your cash flow here.
If you’ve got a goal for your savings, this calculator can help you understand how long till you reach it.
Calculate how much you can save with regular deposits in a savings account accruing interest over time.
Find the Cheapest Home Loan that’s right for you
No matter what stage of the home loan journey you’re at, we’re here to help you find a great rate across variable, fixed or a mix of both.
Our home loan range also offer great features and flexibility, so you can apply with confidence.
Why choose Reduce?
COMPARE OUR HOME LOANS
Compare rates, features and fees across all our home loans in this easy table.