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I strongly suggest you do otherwise at a later date you may find yourself painted into a corner.

Yes it certainly can be. A IP savvy mortgage broker has access to lots of various banks & non bank lenders products & services.. They can advise you on the lender who has the best products tailored to your personal situation, goals & time frames. Dealing with the one bank they can only sell...

I take it you deal direct through 1 bank and not a mortgage broker then?

Sounds like an investment loan with offset savings account attached. If so, no need to stick it back into the loan as the interest being earned whilst sitting in the savings account will offset the interest having to be paid against the loan. I personally would have just set up a LOC for...