Offset Accounts

An offset account operates like a savings account but instead of paying interest, it reduces the amount of interest you pay on your home loan.

It could save you thousands of dollars over the life of your loan. Heritage has two offset accounts to choose from depending on the type of loan you have.

Loan Offset

An everyday access account that cuts the amount of interest you pay on your eligible home or personal loan.

Mortgage Crusher

This account offers 100% interest offset on eligible home loans.

Package your home loan and save, with the Home Advantage Package

Find out more

* Based on a $150,000 loan over 25 years. WARNING: This comparison rate is true only for the examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate.

Interest rates are on a per annum basis. Rates and discounts are correct as stated and subject to change without notice. Discounts shown are for new loans and do not apply to switches or internal refinances. Discounts are not available in conjunction with any other interest rate discount or special offer. All fixed rates are fixed for the period stated and revert to the variable rate applying at expiration of the fixed term. To approved applicants only. Conditions, criteria and fees apply.

Home Advantage Variable rates include discounts shown from the Standard Variable rate. Home Advantage Living Equity rates include discounts from the Living Equity rate. Discounts are based on total lending in the package.

Generate a personalised Key Fact Sheet based on your loan amount, term and repayments. This tool is provided to help you compare home loans from Heritage with other financial institutions.