Home Loan Offset Calculator

A home loan offset calculator shows how linking your savings to your mortgage can reduce the interest you pay. It illustrates how the balance in your offset account directly lowers the principal on which interest is charged, saving you money and shortening your loan term.
Copyright 2026 Finance Logic all rights reserved 
Finance Logic Group Pty Ltd (t/a Finance Logic) ACN 607 123 160 is authorised under BLSSA Pty Ltd Australian Credit Licence 391237
The information provided on this site is on the understanding that it is for illustrative and discussion purposes only. Whilst all care and attention is taken in its preparation any party seeking to rely on its content or otherwise should make their own enquiries and research to ensure its relevance to your specific personal and business requirements and circumstances. Terms, conditions, fees and charges may apply. Normal lending criteria apply. Rates subject to change. Approved applicants only.
*There may be occasions where you may be charged a fee by your broker. 
*Your broker is able to assess each lender's approval times and identify those that can provide approval quickly, however this is subject to change and can vary significantly based on how complex is your loan application and how quickly you’re able to provide the information we need.
*Not all lenders are available to all brokers. The exact details of the lenders your broker has access to is disclosed within the Credit Guide your broker gives to you when providing credit assistance or is available upon request.
​*The way in which your broker will stay in touch with you will differ, however typically this will be via email. In addition you will be able to contact them for guidance as required. You are able to opt out of these communications at any stage
  •