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Thanks Rofl. Didn't know TD's could be used as security, I currently do have the 100k in TD atm (paying ALOT of tax) so it should be an easy transition

This topic of offset has really intrigued me and I've been trying to understand this also Can anyone confirm if this is the case in my scenario of: A $400K mortgage on a PPOR that I plan to turn into a IP after 6 months + $100K in an offset account leaves the benefit of the same amount of...