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    Offset A/C and Fortnightly Payments

    Interest only and just put extra into the offset account. In practice, you'd just put as much as you can in the offset account and let the IO payments get deducted from that.
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    Offset A/C and Fortnightly Payments

    The difference being that amounts in an offset account can be easily accessed, and amounts paid off your mortgage principle cannot.
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    Offset A/C and Fortnightly Payments

    Why are you doing P&I payments at all if you have an offset?
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