Mortgage Offset Calculator
Discover how a mortgage offset account can help you save on home loan interest and pay off your mortgage sooner. By linking a transaction account to your mortgage, the balance in your offset account reduces the loan principal on which interest is calculated.
Estimated Offset Benefits:
Monthly Repayment (P&I): $2,839
Time to Pay Off (With Offset): 23 Years, 8 Months
Time to Pay Off (Without Offset): 30 Years
Total Interest Paid (With Offset): $306,260
Total Interest Paid (Without Offset): $522,020
Total Interest Saved: $215,760
Loan Paid Off Sooner By: 6 Years, 4 Months
Note: 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 advisor or lender.
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