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Hi Mr. Equity, doing very well and trusting the same for you and yours mate :) Your post above is correct. From an asset protection perspective (trusts aside) it can provide a type of hedge proportionate to the LVR one has on the PPOR and the funds drawn into an offset. I have toyed with this...

It is nearly always cheaper to rent in the area you wish to live than to have a mortgage on the same property. hobo-jo, you and there are some others on this site, do just that. Pay less to rent and invest the arbitrage (saved interest and running costs) in income/growth producing assets...