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What's the purpose of having more than one offset account? Thought most people would put most money in an offset linked to their PPOR mortgage.

Sorry Aaron, should have said my assumption that I intend to get 80% LVR but in the future may want to extract as much as possible so get hit with LMI then. Joel

A bit drastic sounding, but would a potential solution to this is refinancing in a few years to change lenders? Or are there high cost implications with this? Joel

Digging up an old post here as I'm looking for views on ING Direct's products as my MB has suggested the Orange Advantage. I don't get this point which Rolf said was an important statement "use them to duplicate to accumulate more, well, at least not at this stage." Is it referring to...