Q.

I am 30 with about $50k in super and a $200k home mortgage. I was wondering if there are any banks/institutions out there that would offset the amount held in super against the mortgage? I have my mortgage and super with the same institution. I am being charged 7% on my mortgage and earning 14% on my super. With the above arrangement, I would only pay 7% on $150k. The institution would still get their normal fees and charges on the $50k super fund offsetting the 7% that they are not receiving in interest. While my super would not grow as fast - I have 30 more years after all - I�d pay off the mortgage much quicker.

There is no way I know of to do as you wish. In any event your major priority should be maximising your return on your super. If you focus on putting every spare dollar towards your mortgage, you will be amazed at how quickly it reduces.