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


Monthly account keeping fee

Transaction Fees

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 Free

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:

Our specialists are available to answer any of your questions, so you can choose the product that best suits your needs. They can also help with internet banking, card management and lots more.  Tap here for live assistance.