Mortgage Offset Calculator
Discover how offset accounts can save you thousands in interest and reduce your loan term. Compare scenarios with different offset balances.
Average balance maintained in offset account
Offset Benefits Analysis
$2,839
Principal & Interest
6 Years, 4 Months
Earlier payoff
$215,760
Total savings
$450,000
Loan minus offset
With Offset Account
Loan Term: 23 Years, 8 Months
Total Interest: $306,260
Without Offset Account
Loan Term: 30 Years
Total Interest: $522,020
Important: This calculator provides an estimate for illustrative purposes. It assumes the offset balance remains constant and repayments are principal and interest. Actual savings may vary based on loan features, fees, and individual circumstances. Consult with a financial adviser or lender.
Buying & Borrowing
Essential calculators for home buyers and mortgage planning
Borrowing Power Calculator
Estimate how much you could borrow based on your income, expenses, and current interest rates. Essential for property budget planning.
Loan Repayment Calculator
Calculate your mortgage repayments with different loan amounts, interest rates, and terms. Perfect for understanding your monthly, fortnightly, or weekly commitments.
Stamp Duty Calculator
Calculate stamp duty costs across all Australian states and territories. Includes first home buyer concessions and investment property surcharges.
Investment Analysis
Tools for property investors to analyze returns and tax benefits
Investment Return Calculator
Analyse rental yields, cash flow, and capital growth potential. Calculate ROI and make informed property investment decisions.
Rental Yield Calculator
Calculate gross and net rental yields for investment properties. Compare returns across different properties and understand your ROI.
Property Depreciation Calculator
Calculate tax deductions from depreciation. Estimate capital works and plant & equipment deductions for investment properties.
Capital Gains Tax Calculator
Calculate CGT on property sales with discount eligibility, main residence exemption, and accurate tax calculations based on your income.
Decision Tools
Compare options and make informed property decisions
Rent vs Buy Calculator
Compare the long-term financial outcomes of renting versus buying. Factor in property appreciation, investment returns, and opportunity costs.
Mortgage Offset Calculator
Discover how offset accounts can save you thousands in interest and reduce your loan term. Compare scenarios with different offset balances.
Ready to Turn Your Calculations into Reality?
Connect with 58 verified mortgage brokers who can help you secure the best rates and turn your property dreams into reality.
Access to 50+ Lenders
Compare rates from major banks and specialist lenders
Expert Guidance
Navigate complex loan structures and maximise borrowing power
Free Service
Brokers are paid by lenders, not by you
Verified Brokers
Lender Partners
Cost to You
Response Time