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home > loan guide > 100% offset account

100% offset account

With an offset account your income is paid into an account that is linked to your loan. You can use the account for all your:

  • EFTPOS
  • cheque
  • Internet banking
  • credit transactions.

The balance in the account is offset against your loan. The more money you keep in your account, the faster your loan is reduced.

These loans are usually charged at the standard variable rate or higher, and may have other fees.

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