In this Finance Friday episode of Wealth Coffee Chats, we break down one of the most powerful yet misunderstood mortgage tools: the offset account. Discover the real difference between paying your loan weekly, fortnightly, or monthly—and why it matters depending on your loan structure. Learn strategic ways to use offset accounts and credit cards together to minimise interest, manage expenses smartly, and accelerate your home loan repayment. Plus, find out what banks are signalling about upcoming interest rate cuts and how you can prepare.