Offset Account What it is: A transaction account linked to your home loan. The balance offsets your loan balance when interest is calculated. Pros Reduces interest payable without locking money away Funds remain accessible at any time Can help pay off the loan faster No tax payable on interest saved (for owner‑occupied homes) Cons Often comes with higher interest rates or package fees Mainly available on variable or split loans Requires discipline to maintain a balance Redraw

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