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Can rent from my investment property go into the offset against my home loan?
Bayley Clarke · Mortgage broker on the road · Last checked 11 November 2026 · 3 min read
The short answer
Yes, of course you can have the rent paid into the offset account linked to the home loan you live in. Every dollar sitting against that loan cuts the interest the bank charges you and gives you a better shot at paying it off sooner.
This is all about structuring your money around two kinds of debt. Investment debt is generally tax deductible. The loan on the home you live in isn't. So the home loan is the one you want working hardest, and parking the rent against it does exactly that.
The 90 second version, filmed from the driver's seat. The rest of this page is the detail underneath it.
Why the home loan offset is the place for it
Your offset reduces the balance the bank charges interest on, dollar for dollar. Put the rent there and you're cutting interest on your home loan, which is the debt you can't claim anything back on.
If the same money sat against the investment loan instead, it would reduce interest you could generally claim at tax time anyway. So from a structure point of view, the home loan is where every spare dollar earns its keep. Compound interest compounds, and over the years that moves the needle.
The investment bills can come out of the same account
You can also have the investment's direct debits come out of that same offset account: the investment loan repayment, rates, insurance and so on. You don't need a separate account just to keep the property's money apart.
At the end of the day your accountant mainly wants the loan statement for the investment property, showing how much interest was charged over the financial year. They don't really need to see the account the rent lands in, because chances are your property manager gives you an end of financial year summary with all the rent, outgoings and expenses.
What to hand your accountant
Hand over that year-end summary, the investment loan statement, your depreciation schedule, insurance policies and any receipts for one-off repairs sitting in your inbox. Your accountant chucks it all in the mix when they do your tax return.
The one thing to keep clean is the investment loan itself. Don't redraw from it for personal spending, because mixing what that debt was used for is what makes the tax side messy. The rent coming into your home offset is fine. Personal money coming out of the investment loan isn't.
The honest bit: your accountant has the final say
This is a common, simple structure, and it's how I'd generally set it up. But how your income and deductions are reported is your accountant's call, so run it past them before the first rent payment lands.
And you need the right loans for it: an offset on your home loan, and an investment loan you leave alone. If you haven't got that structure now, it's worth sorting.
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Can I use redraw on my investment loan?Why doesn’t redraw work on an investment loan? Because paying extra into the loan pays it down.
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The full guide: Offset, redraw and paying your loan off faster The full guide: Keeping your home as a rental The full guide: Interest only vs principal and interest What is an offset account? What is debt recycling, and how does it help me buy an investment property? How much of the rent does the bank actually count? Should my emergency fund live in a savings account or in my offset account?Not your question? Book a call and ask it, or call 0437 189 939.