Offset home loan calculator

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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.



    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.


    Compare rates, features and fees across all our home loans in this easy table.