Home Loan Offset Calculator

Save Interest Faster, Pay Off Your Home Smarter 

Want to reduce interest and pay off your home loan sooner? Our Home Loan Offset Calculator helps you understand how keeping savings in an offset account can benefit your mortgage over time.

How the Offset Calculator Works

Enter your loan amount, interest rate, loan term, and offset account balance. The calculator will show how much interest you could save and how much sooner you could pay off your loan. Keeping money in your offset account reduces the portion of your loan that’s charged interest. 

The result? Significant interest savings and a shorter loan term. You’ll also see a helpful loan balance chart that visually tracks how your loan reduces over time when an offset account is used.

Why Use a Home Loan Offset Calculator?

Whether you’re buying in Dapto, Wollongong, Shellharbour, Figtree, or Albion Park, Home Loan Offset calculator helps you understand how your everyday savings can work harder for you. It’s an innovative tool for planning and managing your mortgage more effectively.

Try it today and take control of your home loan journey.

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Disclaimer: This is a general guide only. Please consult a financial expert for personalised advice.

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Do not forget the add-ons

An investment property requires regular financial commitment beyond the loan repayments. Make sure you have the capacity to cover land, water rates, maintenance and repair costs. Tenants are entitled to repairs or replacements as quickly as possible under their rental agreement, so you will need to have the means to pay.
Apartments or units also come with body corporate fees, which can run to thousands in some modern complexes with professional landscaping and shared amenities, such as swimming pools.

Do not forget the add-ons

An investment property requires regular financial commitment beyond the loan repayments. Make sure you have the capacity to cover land, water rates, maintenance and repair costs. Tenants are entitled to repairs or replacements as quickly as possible under their rental agreement, so you will need to have the means to pay.
Apartments or units also come with body corporate fees, which can run to thousands in some modern complexes with professional landscaping and shared amenities, such as swimming pools.

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