What is a 100% Offset Account?

A common bank account known as an offset account is linked to your mortgage. You may use that account as a salary account or a savings account. The amount that is left over after the loan amount has been subtracted is offset against the loan amount. The quicker you can repay the loan, the more money you should have set aside as an offset amount.

How Does an Offset Account Work?

A daily transaction account known as an offset account is connected to your mortgage. The offset loan account functions in a manner similar to that of a typical bank account.

The distinction is that any funds held in your offset account are deducted from the remaining balance of your mortgage. The end-of-day amount in your offset account is used to compute daily interest on your loan, so the more money you have there, the less interest you might pay on your mortgage.

For instance, if your loan is for $230,000 and you have $30,000 in your offset, interest will only be applied to the first $200,000 of your loan. An offset can speed up the process of paying down your mortgage while preserving access to the funds in your account because you pay less interest.

Are you ready to apply?

Get started on your home loan journey with APW Home Loans. We’re here to help! Speak to one of our professional lenders today.

How Our Home Loan Offset Calculator Can Help You?

This loan offset calculator can be used to determine the offset amount in your account. You will find it quite simple to repay the loan quickly if you can build up a significant amount of offset value. You can negotiate a lower interest rate and begin adding the money you save to the loan’s principal. Simply enter the values in the house loan offset calculator, and it will provide the information.

Details that you are required to input include,

  • Your loan amount
  • Interest rate
  • The frequency of the repayment amount (monthly or fortnightly)
  • The term of your loan
  • Net monthly contribution
  • Your starting account balance
comparison rate calculator

Why Choose Us


We became the top-rated broker in Australia with our commitment to helping people by employing sound judgement, communication and negotiation skills.


Many of our long-time clients still use us to finance their new house purchases, and industry experts also acknowledge our standing.


We understand the lengthy loan process and the anticipation involved. Our expert team features high approval rates based on experience and reliable strategic alliances.


In a competitive market, long-term client relationships go a long way. Reliable mortgage brokers are regarded as trusted advisors, as is frequently remarked.


At APW Finance, we work with a team of individuals who are committed to providing quality service that exceeds your expectations.


We believe in adapting to the latest market trends and working with technologies that allow us access to property reports and changes in the real estate market.

testimonial & partner

What our clients says?

Testimonials 1
Jack wadle
Star rating

Very satisfied. Thank you APW Finance, can rely on this team when I need funds straight away. Excellent process handling.

Testimonials 2
Trupti Patel
Star rating

Thanks Anupa Wadhwani @ APW Finance for helping us in making our dreams comes true.

Testimonials 3
Chintu Dudhatra
Star rating

Thanks Anupa Wadhwani, for helping us throughout the process and being patience.

Joy Cook
Star rating

Everything was smooth going, easy and efficient. Amazing service even during an emergency and long weekends. Best experience.

Arpit Jain
Star rating

APW has been immensely helpful in sorting my finances. They are extremely helpful and professional. Highly recommended