Home loan
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Offset Calculator
See how an offset account could reduce your interest and shorten your loan term.
Interest savings estimate
Offset balance impact
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What makes Domium different
One platform. From estimate to settlement.
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Keep legal work connected to the journey with an in-house team built to move from contract to settlement.
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Use reports, calculators, and platform visibility to understand the numbers and stay in control.
Related actions
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Quick summary
Loan summary
View the key details of your loan, including structure, repayments, rates, and next steps.
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Loan Repayment Calculator
Estimate your monthly repayments based on loan amount, interest rate.
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Extra Repayment Calculator
See how making additional repayments could reduce your loan term and lower your total interest paid.
Offset calculator FAQs
Key questions about how offset accounts work and when they can help reduce interest.
An offset account reduces the balance on which your loan interest is calculated. If you owe $500,000 and hold $50,000 in offset, interest is generally charged on $450,000 instead.
No. Both can reduce interest, but they work differently. An offset account is a separate transaction account, while redraw usually relates to extra repayments already made into the loan.
Not always. An offset account can give you flexibility because your money stays accessible, while extra repayments may directly reduce the loan balance.
Some fixed-rate loans offer offset features, but many do not, or they may only offer a partial offset. It depends on the lender and product structure.
Offset accounts can be especially useful for borrowers who keep savings, salary, or business cash flow sitting in the account regularly and want both interest savings and access to funds.
Results that speak
Trusted by 2,000+ property buyers, investors and SMSF clients
Read our Google reviews5.00
Settlement was smooth and team proactively chased all legal angles as and when required.
5.00
We settled our first home with Domium and it has been an excellent experience. … They are very easy to reach and highly responsive.
5.00
Doing my refinance with Domium was such an incredibly easy and straightforward process…
5.00
More specifically, the legal services team is prompt in their services.
5.00
Domium is high tech platform with a continuous one-on-one support making the whole refinancing experience easy and seamless.
5.00
The platform was easy to use and provided clear information on the current status and next steps.
5.00
Less messing about with paperwork and a quicker route to a new property. Can't recommend Domium as a business more.
5.00
In the end, Domium was the only one capable of meeting my specific needs within an exceptionally tight timeframe.
5.00
Great service. Hassle free and best process and timely updates. This is my second experience with them.
5.00
They explained everything clearly, kept me informed, and made the whole process much easier and less stressful.
5.00
Settlement was smooth and team proactively chased all legal angles as and when required.
5.00
We settled our first home with Domium and it has been an excellent experience. … They are very easy to reach and highly responsive.
5.00
Doing my refinance with Domium was such an incredibly easy and straightforward process…
5.00
More specifically, the legal services team is prompt in their services.
5.00
Domium is high tech platform with a continuous one-on-one support making the whole refinancing experience easy and seamless.
5.00
The platform was easy to use and provided clear information on the current status and next steps.
5.00
Less messing about with paperwork and a quicker route to a new property. Can't recommend Domium as a business more.
5.00
In the end, Domium was the only one capable of meeting my specific needs within an exceptionally tight timeframe.
5.00
Great service. Hassle free and best process and timely updates. This is my second experience with them.
5.00
They explained everything clearly, kept me informed, and made the whole process much easier and less stressful.