A home loan with a linked offset account, gives you the flexibility of using your income and savings to reduce the balance of your home loan, thus saving you interest.

The best offset products allow 100% of your savings to be used to offset the balance of your home loan. Accordingly, the balance of your offset account is deducted from your loan amount, before calculating interest.

Home Loans with an Offset account are best suited to borrowers who have excess funds available to them but also require the flexibility to use them at any given time.

Offset accounts can be used in the same way as a Line of Credit as long as the lender calculates interest on a daily basis. While an attractive proposition, it is important to bear in mind that Home Loans with an Offset account are at times priced with a slightly higher interest rate.

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