Your offset.
Your money.It should work.

You shouldn’t pay the price for your bank’s mistakes.

The Senate is examining mortgage offset accounts. If yours wasn’t set up, linked or managed as promised, Senator Andrew Bragg wants to hear what happened.

Tell us what happenedYour experience matters.

Australian Parliament House at night — Bringing mortgage offset failures before the Senate.

Why this matters

Banks must deliver
what they promise.

An offset that doesn’t work can leave you paying more interest than you should. The inquiry will examine where things went wrong and how affected customers are treated.

Was it working?

How mortgage offset accounts are established, linked to loans, managed and monitored.

What did it cost?

The costs and benefits of offset accounts, and the impact of failures on interest charges, repayments and home ownership.

Was it put right?

How banks identify and remedy failures, and whether affected customers are properly compensated.

Read Andrew’s statement

“Australians should not be left paying more interest because an offset account was not properly established, linked or managed.”
Senator Andrew Bragg
15 September 2026

Your story, in your words

You don’t need to have every answer.

Not sure whether your offset was linked correctly? Still waiting for an explanation from your bank? Share what you know, and say what you’re unsure about.

Go to the story form

What should I include?

Explain what you expected, when you noticed a problem and what your bank told you. Include approximate dates or costs if you know them, and label estimates clearly.

Read the background

Senate to examine mortgage offset accounts — Andrew Bragg Senate launches inquiry into bank offset failures — The Adviser