{"id":16666,"date":"2025-05-02T14:09:45","date_gmt":"2025-05-02T02:39:45","guid":{"rendered":"http:\/\/quantiphy.com.au\/oldbackup\/?p=16666"},"modified":"2025-06-19T15:57:23","modified_gmt":"2025-06-19T04:27:23","slug":"myth-buster-do-weekly-repayments-pay-off-an-offset-loan-faster","status":"publish","type":"post","link":"https:\/\/quantiphy.com.au\/oldbackup\/myth-buster-do-weekly-repayments-pay-off-an-offset-loan-faster\/","title":{"rendered":"Myth buster: do weekly repayments pay off an offset loan faster?"},"content":{"rendered":"<p>There\u2019s a common misconception around offset account home loans that making loan repayments more frequently helps to pay off the balance much sooner. We bust that myth and reveal the real secret to harnessing the power of your offset account.<\/p>\n<p>You may have heard that\u00a0<a href=\"https:\/\/www.canstar.com.au\/home-loans\/weekly-fortnightly-monthly-repayments-better\/\" target=\"_blank\" rel=\"noopener noreferrer\">making repayments more frequently<\/a>, say weekly instead of monthly, helps pay down a loan sooner.<\/p>\n<p>That can be the case with a standard home loan.<\/p>\n<p>But if you have an offset account home loan, the secret to paying off your loan sooner is maximising the balance of the linked offset account.<\/p>\n<p>Let\u2019s look at how this works.<\/p>\n<h3>Paying weekly or fortnightly versus monthly<\/h3>\n<p>A common hack to save on home loan interest is to\u00a0<a href=\"https:\/\/moneysmart.gov.au\/home-loans\/pay-off-your-mortgage-faster\" target=\"_blank\" rel=\"noopener noreferrer\">pay half your monthly loan repayment each fortnight<\/a>. Or a quarter of your monthly repayment each week.<\/p>\n<p>The idea is that by paying that respective amount weekly or fortnightly, you\u2019ll make the equivalent of an extra month\u2019s repayment each year.<\/p>\n<p>It\u2019s a simple strategy, and the hope is that you don\u2019t really notice the extra cash being funnelled towards your home loan.<\/p>\n<p>However, if you have an offset home loan, the frequency of repayments is less important.<\/p>\n<p>What really matters is having as much spare cash as possible sitting in the linked offset account \u2013 or accounts.<\/p>\n<h3>How to harness the power of your offset account<\/h3>\n<p>An offset account is an everyday account linked to your home loan.<\/p>\n<p>For the purpose of monthly interest calculations, every dollar in the offset account is deducted from the balance of your loan \u2013 usually calculated on a daily basis.<\/p>\n<p>So if you have $20,000 in the offset account and a home loan of $500,000, you only pay interest on $480,000 ($500,000 less $20,000).<\/p>\n<p>It makes an offset account a powerful tool to reduce the loan interest you pay each month.<\/p>\n<p>Better still, as your loan repayments stay the same every month, a greater proportion of your repayment goes towards paying down the loan balance (principle), rather than interest.<\/p>\n<p>This further reduces each monthly interest charge.<\/p>\n<p>In this way, your offset account can help you fast-track your way to mortgage freedom.<\/p>\n<h3>Making the most of an offset account<\/h3>\n<p>The golden rule to maximising the interest savings of an offset account is to keep as\u00a0<a href=\"https:\/\/www.nab.com.au\/personal\/life-moments\/home-property\/pay-off-home-loan\/offset-accounts\" target=\"_blank\" rel=\"noopener noreferrer\">much money in your offset as possible<\/a>. And some home loans even let you have multiple offset accounts.<\/p>\n<p>Every day that your money is sitting in an offset account is another day you pay less interest on your home loan.<\/p>\n<p>If you can tick this box, you\u2019ll be using an offset account effectively, and the frequency of your home loan repayments won\u2019t really matter.<\/p>\n<div class=\"bt_bb_row\" data-structure=\"12\">\n<div class=\"bt_bb_column col-md-12 col-ms-12 bt_bb_align_left bt_bb_vertical_align_top bt_bb_padding_normal\" data-width=\"12\">\n<div class=\"bt_bb_column_content\">\n<div class=\"bt_bb_separator bt_bb_bottom_spacing_small bt_bb_border_style_none\"><\/div>\n<\/div>\n<\/div>\n<\/div>\n<div class=\"bt_bb_row_wrapper bt_bb_row_width_boxed_1200\">\n<div class=\"bt_bb_row\" data-structure=\"2-4-4-2\">\n<div class=\"bt_bb_column col-md-2 col-sm-4 col-ms-12 bt_bb_align_left bt_bb_vertical_align_top bt_bb_padding_normal\" data-width=\"2\">\n<div class=\"bt_bb_column_content\"><\/div>\n<\/div>\n<div class=\"bt_bb_column col-md-4 col-ms-12 bt_bb_align_center bt_bb_vertical_align_top bt_bb_padding_double bt_bb_highlight\" data-width=\"4\">\n<div class=\"bt_bb_column_content\">\n<div class=\"bt_bb_separator bt_bb_bottom_spacing_small bt_bb_border_style_none\"><\/div>\n<div class=\"bt_bb_separator bt_bb_bottom_spacing_small bt_bb_border_style_none\"><\/div>\n<div class=\"bt_bb_text\">\n<h6>Speak To An Expert<\/h6>\n<p>Schedule in a time to discuss your situation with a home loan specialist<\/p>\n<\/div>\n<div class=\"bt_bb_separator bt_bb_bottom_spacing_normal bt_bb_border_style_none\"><\/div>\n<div class=\"bt_bb_button bto btop bt_bb_icon_position_left bt_bb_color_scheme_14 bt_bb_style_filled bt_bb_width_inline bt_bb_shape_inherit bt_bb_size_normal bt_bb_align_inherit\" data-bt-override-class=\"{&quot;bt_bb_size_&quot;:{&quot;current_class&quot;:&quot;bt_bb_size_normal&quot;,&quot;xl&quot;:&quot;normal&quot;},&quot;bt_bb_align_&quot;:{&quot;current_class&quot;:&quot;bt_bb_align_inherit&quot;,&quot;xl&quot;:&quot;inherit&quot;}}\"><a class=\"bt_bb_link\" title=\"BOOK IN A CALL\" href=\"\/finance\/book-a-chat-with-tommy-biller\/\" target=\"_self\" rel=\"noopener noreferrer\"><span class=\"bt_bb_button_text\">BOOK IN A CALL<\/span><\/a><\/div>\n<div class=\"bt_bb_separator bt_bb_bottom_spacing_normal bt_bb_border_style_none\"><\/div>\n<\/div>\n<\/div>\n<div class=\"bt_bb_column col-md-4 col-ms-12 bt_bb_align_center bt_bb_vertical_align_top bt_bb_padding_double bt_bb_highlight\" data-width=\"4\">\n<div class=\"bt_bb_column_content\"><\/div>\n<\/div>\n<div class=\"bt_bb_column col-md-2 col-sm-4 col-ms-12 bt_bb_align_center bt_bb_vertical_align_top bt_bb_padding_double bt_bb_highlight\" data-width=\"2\">\n<div class=\"bt_bb_column_content\"><\/div>\n<\/div>\n<\/div>\n<\/div>\n<div class=\"bt_bb_separator bt_bb_bottom_spacing_small bt_bb_border_style_none\"><\/div>\n<h3>Want to know more about offset account home loans?<\/h3>\n<p>Offset account home loans can come in different shapes and sizes. Some only allow you to link one offset account, with others you can link many accounts, and you may also be able to attach a debit card to your offset account\/s.<\/p>\n<p>If you\u2019d like help figuring out what offset loan might be a good fit for you, <a href=\"http:\/\/quantiphy.com.au\/oldbackup\/finance\/book-a-chat-with-tommy-biller\/\">book in a call<\/a> today.<\/p>\n<p><strong>Disclaimer:<\/strong>\u00a0The content of this article is general in nature and is presented for informative purposes. It is not intended to constitute tax or financial advice, whether general or personal nor is it intended to imply any recommendation or opinion about a financial product. It does not take into consideration your personal situation and may not be relevant to circumstances. Before taking any action, consider your own particular circumstances and seek professional advice. This content is protected by copyright laws and various other intellectual property laws. It is not to be modified, reproduced or republished without prior written consent.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>There\u2019s a common misconception around offset account home loans that making loan repayments more frequently helps to pay off the balance much sooner. We bust that myth and reveal the real secret to harnessing the power of your offset account. You may have heard that\u00a0making repayments more frequently, say weekly instead of monthly, helps pay&#8230;<\/p>\n","protected":false},"author":4,"featured_media":16668,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[42,6],"tags":[],"class_list":["post-16666","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-finance","category-news"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.3 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Myth buster: do weekly repayments pay off an offset loan faster? - Quantiphy<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/finance-matters.info\/2025\/04\/30\/myth-buster-do-weekly-repayments-pay-off-an-offset-loan-faster\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Myth buster: do weekly repayments pay off an offset loan faster? - Quantiphy\" \/>\n<meta property=\"og:description\" content=\"There\u2019s a common misconception around offset account home loans that making loan repayments more frequently helps to pay off the balance much sooner. 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We bust that myth and reveal the real secret to harnessing the power of your offset account. 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