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What is a mortgage offset account? It is like an everyday bank account, except it is linked to your home loan. You can have your income deposited into it and have any bills paid from it. Any monies that are deposited into the offset account will offset daily against the home loan principal, meaning you will have less of a loan balance to pay interest. For example if you have a home loan of $300,000 and $50,000 in an offset account, the interest you will pay will be on the difference ($250,000). This effectively means you are reducing the amount of the loan to pay interest on without actually doing it, normally if you were to deposit all of your salary into your home loan, you would inevitabl