CalcStudio Decision

Mortgage Offset Decision Calculator

Which lender and loan structure costs the least? Compare a standard mortgage against an offset structure at each lender, with the offset amount that keeps interest lowest.

How it works

Mortgage Offset Decision Calculator

Watch again

Client scenario

Client & loan ?

Total loan amount

Term (years)

Payments

Split and rates ?

Choosing a lender fills in its carded rates. Every rate stays editable, so you can price the rate the client has actually been offered.

Bank / lender

Term	Amount	Rate
1 Year
2 Years
3 Years
5 Years
Floating

Remainder$0

Deposit rate

Tax on interest

The deposit rate comes from the lender, and the Floating row’s rate is the offset facility’s. Rates are editable starting points, not a live feed.

Savings and extra repayments ?

Average balance

Cashback

Extra per payment

Increase each year

Extra starts in year

Optimise offset for

A $1,500 fee is assumed whenever cashback is above 0%.
The offset amount is not simply the loan less the fixed splits - it is searched for, to find whichever amount costs the least interest by the point chosen under “Optimise offset for”.

Enter the client’s loan details to see the comparison.