Smarter loan structure
Unlock an Offset Account
Park cash, cut interest daily.
An offset account is one of the simplest, most powerful structuring tools available. Money sitting in a linked transaction account is subtracted from the loan balance for interest calculation, so every dollar there quietly cuts interest — while remaining accessible for daily spending.
Things to consider
- Not all loans include a genuine 100% offset — some products offer a 'partial offset' that behaves differently.
- An offset only saves interest if there's actually money sitting in it; small balances have minimal impact.
- Some lenders charge an annual package fee for offset-attached loans — weigh the fee against your typical offset balance.
- Consider whether the offset should sit against a fixed or variable split of the loan.
Related equity uses
Three more ways homeowners commonly put usable equity to work.
Explore whether unlock an offset account could work for you — complimentary, no obligation.
No obligation · No cost · No credit check to enquire.