Get the best deal on your mortgage by learning how to compare interest rates and If you're able to keep $20,000 of savings in the offset, you'll pay interest on with an offset account? Mozo compares offset home loans from a range of lenders to help you save even more on your mortgage. Offset home loan comparisons on Mozo - page last updated 18 March 2020. interest rate. comparison rate*. 26 Jan 2017 Typically, if you compare the headline rate of an offset mortgage with a conventional mortgage, it does not look competitive. Staying competitive.