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This is a private ruling and cannot be relied upon by anyone other than the applicant. But it can be used as a guide. But it only covers half the story, what if the poster had drawn money down and mixed non borrowed money with it?

I was worried that you were borrowing money and parking it in the offset accounts. If the cash is not borrowed then what you have described seems fine. But do the sums and work out if it would be more effective to do the savings account in your name.

So you are living in your own property? If so it isn't an IP now but may have been before. I don't know what this mean: But it worries me. Yes you should advise State Revenue that you are living in the place if you don't want to be sent a land tax assessment.