Chart: Principal vs Interest
Amortisation Schedule (click year to expand)
Loan Balance: With vs Without Offset
"What If" Offset Scenarios
Strategy Comparison Over Time
⚠️ Key Consideration: Offset provides a guaranteed, tax-free return equal to your mortgage rate. Investing offers potentially higher but uncertain returns. The offset strategy carries zero market risk — your "return" is the interest you don't pay.
Strategy Allocation: Offset ↔ Investments
50% to Offset | 50% to Investments
Repayments Across Rate Scenarios
