Cash flow & interest savings

Offset Accounts

How offset and revolving-credit accounts work in New Zealand, and how to use them to pay your mortgage off years earlier.

Latest guides

Articles in offset accounts.

Offset Accounts01

Offset vs revolving credit vs standard table loan

Three tools, three different mechanics — and when each one wins.

5 min read
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Offset Accounts02

How much can an offset account really save you?

The maths, with a realistic Kiwi salary and mortgage as the example.

4 min read
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Offset Accounts03

Common offset mistakes that quietly cost thousands

The four traps I see most often with new offset users.

4 min read
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