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All great tips guys thanks. As I know our weakness for spending when times get tough (just dip into savings) or we feel we would like to go out for a meal to celebrate something (just dip into savings) I will be setting the offset up in the same way in which I set up our savings to buy our...

Hi all, I think I know the answer here but waned to clarify. If I were to put $1000 per month into my offset account and leave it there, it has the same effect as paying $1000 off of the mortgage until I decide to pull it out? Is it that simple? I am about to start my first Australian...