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So look at taking a family equity mortgage as a part solution Another could be to re gear to 80 % and buy assets in a trust, lend or gift to trust etc. but don't take that sort of advice from a broker go and seek specific tax and legal advice pls Ta Rolf

In theory yes With most lenders the money sitting in redraw is their money which they will allow you to redraw under terms and conditions. With most lenders offset acct is ur money Buys time more than anything else T Rolf