Cash vs Car Finance vs Offset Calculator
Compare paying cash for a car with standalone finance and the mortgage-offset opportunity cost of using cash.
Your assumptions
Comparison
Enter your figures and calculate. Results are estimates, not a quote or credit decision.
How to use the result
The lost offset saving is a simple sensitivity using the mortgage rate and horizon; actual mortgage balances decline over time.
Retaining cash can have value, but that value should be weighed against real finance cost.
Read the calculation methodology and assumptions.
If the numbers justify a closer look, send the transaction details for an initial broker review.
Compare car-finance optionsGeneral information only. Calculator results are estimates and do not account for every fee, tax outcome, contract feature or lender rule. Finance approval and pricing are subject to lender assessment.