Mortgage Crusher Offset Account

Our Mortgage Crusher offset account offers a 100% offset against your eligible variable home loan which can reduce the amount of interest you pay on your mortgage.



Monthly account keeping fee^

  • 100% interest offset when linked to your eligible variable home loan and your account balance is over $500
  • Visa Debit Card
  • Get money out fee free at Heritage ATMs and Big 4 Bank ATMs in Australia~
  • eStatements
  • Chequebook available upon request
  • Transact through Bank@Post 
  • Set up your digital wallet to make secure payments on the go
  • Cancel or hold your cards and block selected transaction types in our Mobile Banking App
  • 24/7 access to mobile, internet and phone banking

Available on these home loans

Limited to one offset account per eligible variable home loan.

How to open an Offset Account

When you open a Mortgage Crusher 100% Offset Account, we want to make sure it's linked to your home loan correctly, so you'll get the benefits of the account. First,  take out an eligible variable home loan with Heritage. 

If you've already done this, you can:

Front and centre of saving both money and years off your home loan is having a home loan offset account.
Transaction Fees

Transaction Type 

Fee Per Transaction

Direct credits and debits Free
Visa debit and Visa payWave Free
Counter cash deposits, withdrawals, transfers and BPAY® Free
Heritage ATM withdrawals, transfers and balance enquiries Free
Cheque deposits Free
Presented cheques 
Overseas ATM or counter withdrawals (Visa)  $5.00 plus overseas currency conversion fee 
Bank@Post Transactions Free

Our specialists are available to answer any of your questions, so you can choose the product that best suits your needs.

They can also help with internet banking, card management and lots more.  Tap here for live assistance.