Disclaimer & Not Financial Advice

1. General Information Only

All content published on offsetcalculator.com.au — including articles, blog posts, guides, and calculator outputs — is intended to provide general information about mortgage concepts, offset accounts, and home loan strategies in Australia. This content is educational in nature and is not tailored to your individual financial situation, objectives, needs, or circumstances.

Before acting on any information found on this website, you should consider its appropriateness to your own situation and seek independent advice from a qualified professional.

2. Calculator Results Are Estimates Only

The mortgage calculators on this website — including the Offset Calculator, Repayment Calculator, and Refinance Calculator — produce estimates only. These estimates are based on the figures you enter and simplified mathematical models. They do not account for:

• Your specific loan terms, conditions, and features
• Fees, charges, and costs associated with your loan
• Changes in interest rates over time
• Lender-specific calculation methods (some lenders calculate interest differently)
• Offset account terms and conditions that vary between lenders
• Tax implications of your financial decisions
• Government charges, stamp duty, or other costs
• Your personal financial circumstances, income, or obligations

The results shown by our calculators should be used as a starting point for your own research, not as the basis for any financial decision. Always verify figures directly with your lender or a licensed mortgage broker.

3. Not a Substitute for Professional Advice

We strongly recommend that before making any financial decision — including changing your mortgage repayments, refinancing, withdrawing from an offset account, or making investment decisions — you consult with one or more of the following qualified professionals:

• Licensed mortgage broker — for advice on your specific home loan
• Financial adviser — for advice on your overall financial plan (look for an AFSL holder or authorised representative)
• Accountant or tax professional — for advice on tax implications
• Solicitor or conveyancer — for legal advice related to property

You can find licensed financial advisers on the ASIC Financial Advisers Register and licensed mortgage brokers through the Mortgage & Finance Association of Australia (MFAA).

4. No Liability

To the maximum extent permitted by Australian law, offsetcalculator.com.au and its operators, authors, and contributors:

• Make no representations or warranties about the accuracy, completeness, or suitability of the information on this website
• Accept no liability for any loss, damage, cost, or expense (including direct, indirect, or consequential loss) arising from your use of, or reliance on, any information or calculator on this website
• Are not responsible for any errors or omissions in the content
• Do not guarantee that the website will be available at all times or free from errors

5. Information May Be Out of Date

Financial regulations, interest rates, tax laws, and lending policies change frequently in Australia. While we endeavour to keep our content accurate and current, we cannot guarantee that all information reflects the most recent changes. Always verify current rates, rules, and regulations with your lender, the ATO, ASIC, or a qualified professional.

6. Third-Party Links and Advertising

This website may contain links to third-party websites and may display advertisements from third-party providers. We do not endorse, and are not responsible for, the content, products, services, or privacy practices of any linked or advertised third parties. Any dealings you have with third parties linked from this website are solely between you and that third party.

Some links on this website may be affiliate links, meaning we may receive a commission if you click through and make a purchase or enquiry. This does not affect the price you pay and does not influence our editorial content.

7. Australian Residents

This website is intended for Australian residents only. The information provided is based on Australian law, taxation, and financial regulations. It is not intended for, and should not be relied upon by, residents of other countries.

8. Contact and Feedback

If you have any questions about this disclaimer, believe any content on this website is inaccurate, or wish to provide feedback, please contact us here.