Calculators
Home loan offset calculator
Use this calculator to explore an indicative scenario before speaking with a broker.
01The loan
% p.a.
Loan term
Interest saved
—
Monthly repayment—
Interest with offset—
Interest without offset—
Over timeBalanceComparison
$0$0$0$0
StartHover to scrub
Balance—
Comparison—
Assumptions
The offset balance stays constant for the whole term.The contractual repayment does not change. The loan finishes earlier.Where a loan is involved, a lender still tests repayments at the interest rate plus the 3% serviceability buffer.
The calculations do not take into account all fees and charges. Results are estimates only and should not be relied on to make a loan decision. Interest rates and other costs can change. Calculator results are not an offer of credit or a pre-approval. Discuss your individual situation with a qualified Australian Credit Licensee or authorised Credit Representative.
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