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I think its worth splitting mainly for the offset need As to for each property is up to the borrower. For some it makes book keeping easier - for some they prefer a single facilty for all their deposits and they run an excel. ta rolf

Hiya LOC by def doesnt have offset. A financially similar outcome for you can be to attach and offset to the 80% loan assuming thats variable loan. if thats not emotionally great, then use a variable split on the home for the 20 % you have just spent and park offset against that...