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My approach is to advise clients to use a LOC. Where this is not practical then a new offset with no other funds could be used and then a deposit back into the loan. If it is an incraese then putting it all back won't close the loan but if it is a new split then this is an issue. Some lender...

Macquarie is one.

If not LOC you could use redraw as long as you can pay direct from the loan account without temporarily parking Scenario 2 would be more promising, but what is the dominant purpose in setting this up like this? Artificially increasing dedductions to pay off the home loan sooner.

Hi Stumpie Couple of points 1. A payment made on a credit card is a loan - on credit. This mini loan can be refinanced with another loan - such as a LOC 2. Parking money into an offset account is not ideal. Use a LOC initially. Scenario 1 = capitalising interest. Just as likely to...