When rent lands in an offset account against your own loan, it cuts interest for every day it sits before you spend it. See the saving.
Your numbers
Rent that flows through the offset each month.
Time from rent arriving to being spent or distributed. ~15 if drawn mid-month.
Interest saved per year
Modest by design — the saving is real but bounded by how long rent actually sits idle. The longer it stays offset before you spend it, the more it earns.
This is one small lever. Arrears, rent reviews, outgoings recovery — the levers that move real money are the ones we run every day. Send your details and Nick will show you what that looks like on your asset.
Indicative only and not personal financial, investment, or taxation advice. Assumes the rent is your own funds offsetting your own loan; it does not apply to rent held on behalf of a lessor, which must be held in a statutory trust account. Saving assumes a constant interest rate and excludes account fees and tax. Represent Commercial — REIQ Corporate Licence 4949809. Obtain independent advice before acting.