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Huge difference between paying into a loan and an offset - this is good that you used the offset. Just because some has experience and is good at sales doesn't necessarily mean they are smart!

Hi. 1. 75% is unusual, why didn't you go for 80%? (not that it matters). Accountant is probably confused about mixing borrowed and non borrowed money 2. Don't talk about parking money - paying into a loan is a repayment. So what you would be doing is borrowing money and repaying a loan...