home dollar together

Using an offset account for your mortgage

Are you wondering how to shave years off your mortgage and dollars off your weekly, fortnightly or monthly repayments.

Whether you are a home-owner or investor, you might be wondering how you can reduce the interest you pay on your mortgage.

An offset account is a great way to pay off your home loan faster. Linked to your loan, this option offsets against the principle of the loan thereby reducing the interest you pay.

There are a few important considerations, however.
 

Flexibility

The great thing about an offset account is the flexibility it provides.

You can access your money as it functions like a transaction account. This means you're not going to get caught out if any emergency costs arise, or if you just want everyday access to your funds.
 

Fees and benefits

With any account, you'll want to consider what the fees are. For example, consider how much you'll save in interest versus any account fees.

A term deposit might offer a promising interest rate, but could you better utilise your funds by reducing interest payable on your home loan and having greater flexibility?

As with any financial decision, make sure that you research the options available and make the right choice for your personal circumstances.
 

Salary

A tip to keep in mind with offset accounts is that you can channel your salary or wages into them.

This is easy to set up - just ask your employer about changing the account details they use to pay you.

This way, you'll have money going into the account without having to think about it!
 

Total offset

A 100 per cent offset account allows the entirety of the account's balance to help mitigate the interest to be paid on your loan.

This means that every cent you link to your home loan - reduces the interest payable - so it pays to have regular amounts, such as your salary, in the account.
 

100% Offset Redraw Facility

At loans.com.au we provide the extra convenience of a combined 100% offset redraw facility, where 100% of the funds are used to offset your loan balance, and you have full redraw access. You can transfer all surplus funds into this account, get 100% of the funds to offset your loan balance, plus full transactional access to redraw your extra repayments when you need them, at no cost.
 

Image credit: efffective.com

Follow loans.com.au

 
 

This information has been prepared without taking into account your individual objectives, financial situation or needs. You should, before acting on this information, consider its appropriateness to your circumstances.

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DECLARE @DocumentCulture nvarchar(max) = N'en-AU';

SELECT *
FROM View_CMS_Tree_Joined AS V WITH (NOLOCK, NOEXPAND) INNER JOIN CONTENT_Article AS C WITH (NOLOCK) ON V.DocumentForeignKeyValue = C.ArticleID AND V.ClassName = N'CMS.Article' LEFT OUTER JOIN COM_SKU AS S WITH (NOLOCK) ON V.NodeSKUID = S.SKUID
WHERE (NodeID = 2649) AND [DocumentCulture] = @DocumentCulture
Table (1 [164], 4.4 kB)
 
PageContext.CurrentPage_InitComplete 0.016
 
CloseConnection()
PageContext.CurrentPage_InitComplete N/A
OpenConnection()
CMSAbstractWebPart.OnInit N/A
12
(.generalselect)
DECLARE @Now datetime2 = '4/26/2017 5:52:59 PM';
DECLARE @DocumentCulture nvarchar(max) = N'en-AU';
DECLARE @CMS_C int = 1;

SELECT *
FROM (
SELECT *, ROW_NUMBER() OVER (PARTITION BY NodeID ORDER BY CASE WHEN [DocumentCulture] = @DocumentCulture THEN 1 ELSE 2 END, DocumentCulture) AS [CMS_C], ROW_NUMBER() OVER (ORDER BY NodeAliasPath) AS [CMS_ORN]
FROM View_CMS_Tree_Joined AS V WITH (NOLOCK, NOEXPAND) LEFT OUTER JOIN COM_SKU AS S WITH (NOLOCK) ON V.NodeSKUID = S.SKUID
WHERE ((NodeID IN (SELECT RightNodeID FROM CMS_Relationship WHERE LeftNodeID = 2649)) OR (NodeID IN (SELECT LeftNodeID FROM CMS_Relationship WHERE RightNodeID = 2649))) AND (([DocumentCanBePublished] = 1 AND ([DocumentPublishFrom] IS NULL OR [DocumentPublishFrom] <= @Now) AND ([DocumentPublishTo] IS NULL OR [DocumentPublishTo] >= @Now)) AND [DocumentCulture] = @DocumentCulture)
) AS SubData
WHERE [CMS_C] = @CMS_C
ORDER BY CMS_ORN
917 B
 
CMSAbstractWebPart.OnInit 0.016
 
CloseConnection()
CMSAbstractWebPart.OnInit N/A
OpenConnection()
BasicRepeater.OnLoad N/A
13
(cms.article.generalselect)
DECLARE @NodeSiteID int = 1;
DECLARE @Now datetime2 = '4/26/2017 5:52:59 PM';
DECLARE @NodeAliasPath nvarchar(max) = N'/Resources/home-loan-answers/General-Home-Loan-Answers/Using-an-offset-account-for-your-mortgage';
DECLARE @DocumentCulture nvarchar(max) = N'en-AU';

SELECT *
FROM View_CMS_Tree_Joined AS V WITH (NOLOCK, NOEXPAND) INNER JOIN CONTENT_Article AS C WITH (NOLOCK) ON V.DocumentForeignKeyValue = C.ArticleID AND V.ClassName = N'CMS.Article' LEFT OUTER JOIN COM_SKU AS S WITH (NOLOCK) ON V.NodeSKUID = S.SKUID
WHERE [NodeSiteID] = @NodeSiteID AND (([DocumentCanBePublished] = 1 AND ([DocumentPublishFrom] IS NULL OR [DocumentPublishFrom] <= @Now) AND ([DocumentPublishTo] IS NULL OR [DocumentPublishTo] >= @Now)) AND [NodeAliasPath] = @NodeAliasPath AND [DocumentCulture] = @DocumentCulture)
812 B
 
Table (1 [164], 4.4 kB)
 
BasicRepeater.OnLoad 0.000
 
CloseConnection()
BasicRepeater.OnLoad N/A
  13 queries, 11.8 kB write, 25 kB read   0.078
Macros resolved in the content of this page:
 ExpressionResultUserContextDuration
1 {% CanonicalURL != "" %} False CMSAbstractWebPart.OnInit 0.000
 
> CanonicalURL != "" False 0.000
 
2 {% NoFollow %} null 0.000
 
> NoFollow null 0.000
 
3 {% IncludeOptimizely %} null 0.000
 
> IncludeOptimizely null 0.000
 
4 {% DisclaimerContent %} null PageContext.CurrentPage_InitComplete 0.016
 
> DisclaimerContent null 0.000
 
5 {% CurrentDocument.RelatedDocuments.Any.Count > 0 %} False FIRSTMAC-srvc-kentico CMSAbstractWebPart.OnInit 0.016
 
> CurrentDocument.RelatedDocuments.Any.Count > 0 False FIRSTMAC-srvc-kentico 0.000
 
6 {% CurrentDocument.RelatedDocuments.Any.Count > 0 %} False FIRSTMAC-srvc-kentico 0.000
 
> CurrentDocument.RelatedDocuments.Any.Count > 0 False FIRSTMAC-srvc-kentico 0.000
 
7 {% pagetitle_orelse_name %} Using an Offset Account for Your Mortgage - Loans.com.au Pty Ltd DocumentBase.Load 0.000
 
> pagetitle_orelse_name Using an Offset Account for Your Mortgage - Loans.com.au Pty Ltd 0.000
 
8 {% CurrentDateTime.Hour %} 17 FIRSTMAC-srvc-kentico CMSWebParts_General_javascript.OnPreRender 0.000
 
> CurrentDateTime.Hour 17 FIRSTMAC-srvc-kentico 0.000
 
9 {% CurrentDateTime.Hour %} 17 FIRSTMAC-srvc-kentico 0.000
 
> CurrentDateTime.Hour 17 FIRSTMAC-srvc-kentico 0.000
 
      
Web farm synchronizations done by this page:
 Task typeTargetDataContext
1 DICTIONARYCOMMAND DELETEITEMINT¦om.contact_ContactID¦3159362 SimpleHandler`2.StartEvent
2 DICTIONARYCOMMAND DELETEITEMSTRING¦om.contact_ContactGUID;ContactSiteID¦1f65a5c7-b5a1-45c3-a1bc-0fe41c82f676|1
3 TOUCHCACHEITEM om.contact|all¦om.contact|byid|3159362¦om.contact|byguid|1f65a5c7-b5a1-45c3-a1bc-0fe41c82f676 SimpleHandler`2.StartEvent
4 DICTIONARYCOMMAND DELETEITEMINT¦om.contact_ContactID¦3159362 SimpleHandler`2.StartEvent
5 DICTIONARYCOMMAND DELETEITEMSTRING¦om.contact_ContactGUID;ContactSiteID¦1f65a5c7-b5a1-45c3-a1bc-0fe41c82f676|1
6 INVALIDATEOBJECT om.contact 3159362 SimpleHandler`2.StartEvent
     
ViewState used by the controls of this page:
 Control IDIs dirtyViewStateTotal size
1 form Yes
action = "/resources/home-loan-answers/general-home-loan-answers/using-an-offset-account-for-your-mortgage" (96 B)
96 B
 
2 p
pnlPage
Yes
CssClass = "PagePlaceholder" (15 B)
15 B
 
3 ScriptWebparts
Firstmac_RetailGTMDataLayer
ctrlSessionId1
Yes
Text = "vwkjsyruaamn3wca4lelt3vp" (24 B)
24 B
 
4 ScriptWebparts
Firstmac_RetailGTMDataLayer
ctrlSessionId2
Yes
Text = "vwkjsyruaamn3wca4lelt3vp" (24 B)
24 B
 
5 ScriptWebparts
Firstmac_RetailGTMDataLayer
ctrlSessionId3
Yes
Text = "vwkjsyruaamn3wca4lelt3vp" (24 B)
24 B
 
6 ScriptWebparts
Firstmac_RetailGTMDataLayer
ctrlSessionId4
Yes
Text = "vwkjsyruaamn3wca4lelt3vp" (24 B)
24 B
 
7 pageplaceholder
p
pnlPage
Yes
CssClass = "PagePlaceholder" (15 B)
15 B
 
8 ZoneA
repeater
repItems
Yes
Yes
Yes
Yes
Yes
Yes
Yes
Yes
Yes
Yes
ZeroRowsText = "No data found" (13 B)
DataSourceName = "" (0 B)
EnablePaging = False
NestedControlsID = "" (0 B)
ShowDeleteButton = False
AlternatingTransformationName = "" (0 B)
ShowEditButton = False
_!ItemCount = 1
TransformationName = "CMS.Article.Article_LoansComAu" (30 B)
HideControlForZeroRows = True
43 B
 
9 dbg
pnlDebugContainer
No
CssClass = "debug" (5 B)
5 B
 
     Total viewstate size: bytes