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I like it. Always nice to transfer the debt back onto the property when appropriate, makes it a little bit easier and neater :) No issues there.

Mick C was spot on, it's what I was suggesting in my first post and likely what your broker was suggesting from the start :) It's always nice to hear it from other sources though :)

CBA which owns Bankwest also has multiple transactional offset :) Sometimes is can be beneficial to borrow a little bit extra to get you into that higher discount bracket, it's not weird just him trying to get the best rate... be it manufactured. Rather then paying down why not keep the funds...