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We have money in our offset account with a fixed rate of 4.something% Does that effectively mean the offset is earning interest at the same interest rate, albeit it goes straight into the mortgage account?

On a recommendation from a friend, my wife and I (both aged 27) went to a Knowledge Source event on the weekend (don't worry, we didn't buy the $5k course!). If you don't know, Knowledge Source preaches buying CF+ properties and properties with good growth potential, instead of putting $ into...