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I am struggling to calculate whether having an offset with fixed rate is worth it. For ease of calculation, say you have $100k in offset. On CBA fixed rate with package, the 2 year fixed rate is 5.59%. It is partial offset of 1.5%. Does that mean that with $100k in offset, you are only...

Can someone extract equity or get line of credit during a fixed period? Is this part of the restrictions associated with fixed rates?