Investment Property Loans › Can I have an offset account on an investment loan?

Can I have an offset account on an investment loan?

Yes. Most lenders offer offset accounts on variable rate investment loans. Money in the offset reduces the balance interest is charged on, while staying accessible, which can lower your interest without locking funds away.

Written by Ross McFarlane, Licensed Mortgage Broker (Credit Representative 526725). About the author

Why this matters

An offset on an investment loan can be a useful place to park rental income or spare cash, lowering daily interest while keeping the money available. There can be tax considerations around offset versus paying down the loan directly, so it is worth a quick word with your accountant about which suits your structure.

The key points

Offered on most variable rate investment loans.
Money in the offset lowers interest charged.
The funds stay accessible.
Ask your accountant about offset versus extra repayments.

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Last reviewed: June 2026

General information only. This page provides general information about home loans and is not financial or credit advice, a quote, or a guarantee, and your personal circumstances have not been considered. Lending policies, interest rates, fees and eligibility vary by lender and change over time. Always confirm your own situation with a licensed mortgage broker or lender before acting. Ross McFarlane (Credit Representative 526725) is an authorised Credit Representative of Australian Associated Advisers Pty Ltd t/a Keylend, Australian Credit Licence 392169.