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If my assumptions are correct, then it should be fairly easy to fix as has already been outlined.

It could, depending on the specific uses of the loan before and after the initial refinances. It could also solve the problem. The real tricky part is determining how much of the loan is tax deductable right now.

Move $100k from the offset account back into the redraw of the loan account. Then split the loan into two accounts of $280k & $100k (with the $100k account with no funds owing and the $280k loan fully drawn). The solution is fairly simple, but figuring out the deductability of the loans from...

Whilst an accountant is the right person to give you tax advice, a lot of accountants aren't going to give you ideal loan structuring advice. This should come from a broker, but unfortunately a lot of brokers aren't as good at this as they should be. My suggestion would be: 1. Move the...