Mortgage Crusher Offset Account

Our Mortgage Crusher offset account offers a 100% offset against your eligible variable home loan which can reduce the amount of interest you pay on your mortgage.

  • 100% interest offset when linked to your Standard Variable Home Loan and your account balance is over $500
  • $0 monthly account keeping fee
  • Access your money with a Visa Debit Card
  • No Fees~ on a network of over 10,000 ATM's across Australia
  • 24/7 award winning local customer service

More features

  • eStatements available
  • Chequebook available upon request
  • Transact through Bank@Post*
  • Experience the flexibility of using your device to make secure payments on the go
  • Cancel or hold your cards and block selected transaction types in our Mobile Banking App
  • Free internet, phone and mobile banking transactions
What is an offset account?
Front and centre of saving both money and years off your home loan is having a home loan offset account.
Available with these loans
Available on these home loans
How to open an Offset Account

When you open a Mortgage Crusher 100% Offset Account, we want to make sure it's linked to your home loan correctly, so you'll get the benefits of the account.

That's why we ask that to you complete our Offset Account Opening Form.  Simply type into the form, print, sign and return to Heritage.

Alternatively, you can:



Monthly account-keeping fee

Transaction Type 

Fee Per Transaction

Direct credits and debits Free
Visa debit and Visa payWave Free
Counter cash deposits, withdrawals, transfers and BPAY® Free
Heritage ATM withdrawals, transfers and balance enquiries Free
Cheque deposits Free
Presented cheques 
Overseas ATM or counter withdrawals (Visa)  $5.00 plus overseas currency conversion fee 
Bank@Post Transactions* $3.00
*Bank@Post transactions are free for members for which a residential postcode recorded by Heritage is within the range 0000 to 3999 or 4311, 4312, 4313, 4360, 4361 and 4385 to 9999. 
Ways to bank with us

Make payments on the go with smart payment technology including Apple Pay, Google Pay, Samsung Pay, Fitbit Pay, and Garmin Pay.

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We are here to help

Our specialists will help you find the right product and support you through every step of your Home Loan purchase.

Enquire now

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