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Your broker is in a better position to comment than us but I recommend sitting down with him/her and talking about what you want to do short and long term and then planning for it accordingly. Tons of products out there which are cheaper than Adelaide Bank but there are other elements to the...

Ok so thats good but still should try and get the lender right now. All I'm saying is don't box yourself in by choosing only a lender that does fixed offset. There is much more to it than that.

Can you not estimate the approx amount you will have saved up and keep that amount as your variable split? I think you are seriously cornering yourself by going to a lender just so it has an offset against the fixed portion. Also is the LVR under or above 80%?

Have you considered a combo loan part fixed part variable? This will broaden your options. The variable portion needs to be the approximate amount you will need to offset for say 3 years (or however long you need to fix). One of the majors is doing 4.69% for 2 year fixed rate.