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Functionally, offset probably yes, though I havent seen the PBR that backs it, I have agreed that in principle from the evidence presented that the Firstmac offset is ok for tax purposes, subject to the borrowers own specific tax advice. Structurally, when ( note not if, but when) we go back...

small bickies in reality unless its your last loan ever in which casego and chase Heritage with a sub 4.5% rate your time may be better spent makeing a bigger pie,or indeed getting a new kitchen ta rolf