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Ok, so I would just need to make sure I have two off-set accounts linked to the same loan? One to keep the borrowed funds (until I need to use them for a deposit) and the other to keep my savings?

Rolf - really, no borrowed funds in the off-set? Why would that make a difference? If you borrowed from one lender you're paying interest on it, and then putting it into the off-set you're reducing interest right, so all works out neutral if the rates are the same?