THE SIDELO GUIDES · AUSTRALIA
Make sense of
your mortgage.
What changes when you save a little more? Start with the mechanics of your offset, then explore the numbers for yourself.
Start with how offsets workA few things worth understanding
04 practical guidesThe basics · 4 MIN READ
How does an offset account work?
Understand what a mortgage offset changes, what it leaves unchanged and how the interest calculation works, with a simple Australian home-loan example.
Repayments explained · 4 MIN READ
Does an offset account reduce your repayments?
An offset can reduce interest without reducing the scheduled repayment. See how principal-and-interest and interest-only payments differ.
The milestone · 4 MIN READ
What happens when your offset equals your mortgage?
Fully offset is different from paid off. Understand the two milestones and Sidelo’s options for modelling what happens next.
The numbers · 4 MIN READ
How much interest could an offset account save?
Worked examples of offset interest reductions, why balances and timing matter, and how to interpret lifetime savings in the Sidelo calculator.
WHY SIDELO EXISTS
Saving feels different when
you can see where it leads.
Sidelo began as a tool its creator used to plan expenses, set a savings goal and see how those choices could change mortgage interest over time.
Seeing that connection helped make saving more purposeful. The aim is to make the same kind of clarity accessible to other people with a mortgage, free of charge.
It won’t tell you which loan to choose or what you should do with your money. It gives you a way to explore your own assumptions.