Loan Repayment/Offset Calculator

Loan repayments consist of regular payments made to a lender, typically including both the principal amount borrowed and interest accrued. The repayment schedule, frequency, and total cost can vary depending on the loan type, term, and interest rate.

An offset account is a savings or transaction account linked to your loan, where the balance is “offset” against your loan balance to reduce the interest you pay. The higher your offset account balance, the less interest you pay on your loan.

At PRG Strategic Advisors, we help you navigate the complexities of loan repayments with tailored advice and personalised strategies. Whether you are managing residential, commercial or asset finance loans, our team works to optimise your repayment plan, saving you time, money and stress.

We also provide expert guidance on offset accounts, helping you understand how they work and how to use them effectively to reduce interest and improve your overall loan management. By leveraging this feature, we ensure your finances work smarter for your long-term goals.